AIA Beyond Critical Care: Premium Refund on Top of Extensive Critical Illness Coverage

Covers you against 43 major stage critical illnesses and 5 rediagnosed or recurred critical illnesses – until age 85 or for at least 30 years, whichever is later – with up to 200% of the coverage amount. Upon the first diagnosis, 100% of the coverage amount will be paid to you in one lump sum, allowing you to focus solely on recovery.

Further your protection for 104 early, intermediate, and major critical illnesses until age 75 with a coverage amount of up to S$350,000 when you add on the Early Critical Cover Extra rider.

Cast your financial worries aside in the event of a critical illness. Waive future premiums of your AIA Beyond Critical Care upon diagnosis of any of the covered 103 early, intermediate, or major critical illnesses with Early Critical Protector Waiver of Premium rider.

First in market! Bolster your financial confidence, knowing that at the end of the policy term, you will be refunded a lump sum of the base plan's total annual premiums (less any claims paid), including those that were waived.

First in market! AIA Beyond Critical Care also pays an additional 20% of the coverage amount (up to S$50,000 per claim) until age 75 for 5 prominent mental illnesses such as Major Depressive Disorders and Obsessive Compulsive Disorder.

We will reimburse you the cost of your health screening (up to S$200) so that you can better take control of your health.

Receive medical advice on your diagnosis and treatment from over 50,000 leading global specialists.

Review and re-evaluate your critical illness condition with medical recommendation based on reviewed diagnosis.

Provide ongoing guidance and support for as long as it is needed. Service is available daily from 0900 – 2100 hrs, except public holidays in English and Mandarin.

At age 85, John's AIA Beyond Critical Care plan terminates. He receives a refund of the total annual premiums (less any claims) under his base plan, including those that were waived. Total payout to John: S$211,591 (including early CI payout). Total premiums John paid: S$34,101.

At age 55, John is diagnosed with Major Stage Lung Cancer and receives S$100,000. At age 56, mental stress results in Major Depressive Disorder diagnosis, receiving additional S$20,000. At age 60, he suffers a relapse and receives another S$100,000. Total received: S$320,000 in payouts.

Covered with additional 20% of coverage amount payout, up to S$50,000 per claim.

Comprehensive coverage for this serious mental health condition.

Protection against this mood disorder with significant impact on daily life.

Coverage for this anxiety disorder affecting daily functioning.

Specialized coverage for this neurological condition in younger individuals.

Rediagnosed Major Cancer coverage provides additional protection if cancer returns.

Recurred Heart Attack and Repeated Heart Valve Surgery coverage for ongoing heart health protection.

Recurred Stroke coverage recognizing the possibility of multiple stroke events.

Repeated Major Organ / Bone Marrow Transplantation coverage for complex medical situations.

43 major critical illnesses plus 5 rediagnosed/recurred conditions provide extensive protection against life's unexpected health challenges.

First in market 100% premium refund if you remain healthy throughout the policy term, making it a win-win investment in your health.

First in market mental illness coverage with additional 20% payout for 5 prominent mental health conditions, addressing modern health concerns.

Future premiums waived upon critical illness diagnosis, allowing you to focus on recovery without financial stress .

Access to AIA Critical Assist and Teladoc Health for comprehensive medical support throughout your recovery journey.

AIA Vitality integration with up to 15% premium discounts rewards you for maintaining a healthy lifestyle.