In today's uncertain world, critical illness can strike unexpectedly, potentially derailing your financial stability and life plans. AIA Power Critical Cover offers a comprehensive solution to this challenge, providing extensive protection against multiple critical illnesses. This innovative product goes beyond traditional critical illness coverage, offering support from the early stages of illness through potential relapses. With its wide-ranging benefits and unique features, AIA Power Critical Cover aims to give you peace of mind and financial security when you need it most.
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AIA Power Critical Cover provides an extensive range of protection, covering various stages of critical illnesses and offering multiple claim options. This comprehensive coverage ensures that you're protected against a wide array of health challenges, from early-stage conditions to major illnesses and even relapses.
AIA Power Critical Cover protects you against 175 conditions, including 150 multi-stage critical illnesses, 10 pre-early conditions, and 15 special conditions. This broad coverage ensures you're protected against a wide range of health challenges.
The plan covers early, intermediate, and major stages of critical illnesses. This multi-stage approach allows for claims at different severity levels, providing financial support when you need it most.
With the Power Reset Benefit, your coverage amount is fully restored 12 months after each claim. This allows for multiple claims up to 500% of your coverage amount, ensuring ongoing protection against different critical illnesses.
The plan offers additional coverage for 15 special conditions, including osteoporosis and severe gout. You can receive up to 20% of your coverage amount (maximum S$25,000) for each of these conditions, with up to ten claims allowed.
AIA Power Critical Cover goes beyond basic critical illness protection, offering a range of additional benefits designed to provide comprehensive support throughout your health journey. These features enhance the overall value of your coverage and address various aspects of critical illness care.
This unique feature provides up to 200% of your coverage amount if you experience a relapse of specific critical illnesses, such as major cancer, heart attack, or stroke. It offers crucial financial support during challenging times of recurrence.
Receive 10% of your coverage amount (up to S$10,000) for early detection of chronic conditions like Type 2 Diabetes or cardiovascular diseases. This benefit encourages early intervention and management of potential health issues.
The AIA Power Critical Cover Life Plan offers a maturity benefit of 100% of your coverage amount at age 100, less any critical illness benefits paid. It also provides a surrender benefit of 75% to 99% of your coverage amount, ensuring financial value even if you don't make a claim.
In the unfortunate event of death, your beneficiaries will receive 100% of your coverage amount (less any critical illness benefits paid) plus an additional S$5,000 compassionate benefit to help with immediate expenses.
| Age | What suggestion covers | Premium |
|---|---|---|
| 23, Female making $2,300 a month | annual limit $1,200,000 ward Up to Private hospital A ward (can also stay in Govt hospital) | $221.05 annual |
AIA Power Critical Cover offers flexible policy terms to suit different life stages and protection needs. Understanding the policy term options and renewability features can help you choose the most suitable coverage for your long-term financial planning.
AIA Power Critical Cover is available for individuals aged 1 to 65 years old. This wide age range makes the plan accessible to both young adults starting their financial planning journey and older individuals seeking comprehensive critical illness protection.
The plan offers two coverage period options: the Value Plan, which provides coverage up to age 75, and the Life Plan, which extends coverage up to age 100. This allows you to choose the duration that best aligns with your protection needs and financial goals.
While specific renewability options are not mentioned in the provided information, AIA typically offers guaranteed renewability for their critical illness plans. It's advisable to consult with an AIA representative for detailed information on the renewability terms for AIA Power Critical Cover.
AIA Singapore is committed to providing efficient claims processing and responsive customer support for AIA Power Critical Cover policyholders. To file a claim, you can contact the AIA Customer Care Hotline at 1800 248 8000, available Monday to Friday from 8:45am to 5:30pm. For general inquiries or assistance, you can visit the AIA Singapore website at aia.com.sg or visit their office at 1 Robinson Road, AIA Tower, Singapore 048542. AIA also offers value-added services such as health consultations and medical support through partners like Medix, ensuring comprehensive care throughout your health journey.
AIA Power Critical Cover is an excellent choice for individuals seeking comprehensive critical illness protection with flexible coverage options. It's particularly well-suited for those who want protection against multiple critical illnesses, including coverage for early stages and relapses. The plan is also ideal for individuals looking for long-term financial security, with options for coverage up to age 100 and guaranteed cash value features.
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