Critical Illness

AIA Glow of Life: Empowering Women with Tailored Health Protection

As a woman, you're unique. Your health needs are unique too. Did you know that breast cancer accounts for 32% of cancer cases among women in Singapore? This startling statistic underscores why women need specialized health coverage. Enter AIA Glow of Life, a critical illness plan designed specifically for women's unique protection needs. Let's dive deep into what this plan offers and how it can help you embrace life with confidence.

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What is AIA Glow of Life?

AIA Glow of Life is a comprehensive critical illness insurance plan tailored to address the specific health concerns that women face . It's not just about coverage; it's about empowering you to take charge of your health while ensuring financial protection against female-related critical illnesses.

Key Features That Make AIA Glow of Life Stand Out

Female-Specific Coverage

Protects against female cancers, systemic lupus erythematosus (S.L.E) with lupus nephritis, and rheumatoid arthritis. Covers age-related conditions like osteoporosis and urinary incontinence.

Comprehensive Benefits

Includes coverage for carcinoma-in-situ of female organs. Provides reimbursement for reconstructive surgery due to accidents or burns.

Second Opinion on Cancer

Allows you to seek a second medical opinion if diagnosed with cancer.

Complimentary Health Screening

Offers a free health check-up once every two years.

Policy Renewal Rewards

Enjoy a 5% bonus on your coverage amount for each policy renewal, up to five years.

What Does AIA Glow of Life Cover?

Female Dreaded Illness Benefit (100% of Coverage Amount)

  • Female Cancers: Covers cancers of the breast, cervix uteri, uterus, ovary, fallopian tube, and vagina/vulva

  • Systemic Lupus Erythematosus (S.L.E) with lupus nephritis

  • Rheumatoid Arthritis

Female Health Benefit

  • Osteoporosis: 30% of coverage amount

  • Urinary incontinence requiring surgical repair: 5% of coverage amount

  • Carcinoma-in-situ of female organs: 20% of coverage amount

  • Reconstructive surgery reimbursement due to accidents or burns: 100% of coverage amount

How Much Coverage Do You Get?

AIA Glow of Life offers two plan options:

  1. Standard Plan: S$25,000 coverage amount
  1. Executive Plan: S$50,000 coverage amount

Both plans include the second opinion on cancer benefit and the health check-up programme.

How Much Does It Cost?

The premium depends on your age and the plan you choose. Here's a simplified breakdown for the Standard Plan (S$25,000 coverage):

  • Ages 16-25: From S$183 per year
  • Ages 26-30: From S$215.50 per year
  • Ages 31-35: From S$248.25 per year
  • Ages 36-40: From S$291.25 per year
  • Ages 41-45: From S$344.75 per year
  • Ages 46-50: From S$420.75 per year
  • Ages 51-55: From S$517.75 per year
  • Ages 56-59: From S$604 per year

For the Executive Plan (S$50,000 coverage), the premiums are approximately double the Standard Plan.

You can choose to pay annually, semi-annually, or monthly. Monthly payments are available for those who prefer smaller, more frequent payments.

Why Compare AIA Glow of Life with other Critical Illness Options through Whatins?

Traditional Approach

  • Limited visibility into critical illness definitions
  • Single insurer's critical illness criteria
  • May miss important coverage distinctions

Whatins Advantage

  • Compare critical illness definitions across insurers
  • Understand early, intermediate, and late stage differences
  • See how different critical illness plans complement each other
  • Compare exclusions and waiting periods

Real-Life Scenarios

Breast Cancer Diagnosis

Imagine you're diagnosed with breast cancer at age 40. With AIA Glow of Life: You'd receive 100% of your coverage amount (S$25,000 or S$50,000 depending on your plan) . You could seek a second opinion on your cancer diagnosis. Your next health check-up would be covered, helping with early detection of any other issues.

Osteoporosis in Later Years

If you're diagnosed with osteoporosis at age 55: You'd receive 30% of your coverage amount. This could help cover treatment costs and any lifestyle adjustments needed.

Reconstructive Surgery After an Accident

If you need reconstructive surgery following a severe accident: You'd be reimbursed up to 100% of your coverage amount for the surgery costs . This could significantly reduce your out-of-pocket expenses for what can be a costly procedure.

Unique Benefits of AIA Glow of Life

Focus on Women's Health

Unlike general critical illness plans, AIA Glow of Life specifically addresses health issues that women face, providing targeted protection.

Preventive Care

The complimentary health check-up every two years encourages regular health monitoring, potentially catching issues early.

Growing Coverage

The 5% renewal bonus means your coverage can increase over time without additional cost to you.

Affordable Entry Point

With plans starting from S$183 per year for younger women, it's an accessible way to get specialized coverage.

Flexibility

Choose between two coverage amounts and three payment frequencies to fit your budget and needs.

Pros and Cons

Pros

  • Specialized coverage for women's health issues

  • Includes less common benefits like coverage for systemic lupus erythematosus and rheumatoid arthritis

  • Complimentary health screenings promote preventive care

  • Renewal bonus increases coverage over time

  • Affordable entry point for younger women

Cons

  • Coverage amounts (S$25,000 or S$50,000) may be low for some critical illnesses

  • Limited to two plan options

  • Premiums increase significantly with age

  • Annual policy renewal is not guaranteed

Frequently Asked Questions

Can I get this plan if I have pre-existing conditions?

Pre-existing conditions may affect your eligibility or coverage. It's best to discuss this with an AIA representative.

Is there a waiting period before I can claim?

Yes, there may be waiting periods for certain conditions. Check the policy contract for specific details.

What happens if I'm diagnosed with a non-female specific critical illness?

This plan is designed for female-specific illnesses. For broader critical illness coverage, you might need to consider an additional, more comprehensive plan.

Can I increase my coverage amount later?

The policy doesn't mention this option. You'd need to check with AIA about possibilities for increasing coverage.

What if I can't pay my premium one month?

It's crucial to maintain your premium payments to keep your coverage active. If you're facing financial difficulties, contact AIA to discuss your options.

Conclusion

AIA Glow of Life offers a unique, women-centric approach to critical illness coverage. Its focus on female-specific health issues, coupled with preventive care benefits and renewal rewards, makes it an attractive option for women looking to protect their health and financial well-being.

However, the relatively low coverage amounts mean it might work best as a supplement to a more comprehensive health insurance plan. The increasing premiums with age and non-guaranteed renewal are also factors to consider carefully.

Ultimately, the right choice depends on your individual health needs, financial situation, and existing insurance coverage. While AIA Glow of Life offers valuable protection against women's health issues, it's important to view it as part of your overall health and financial protection strategy.

Get Expert Advice

Ready to take the next step in protecting your health and financial future? Don't rely on just one perspective. Get expert insights tailored to your unique needs as a woman. Sign up now to receive 5 expert opinions on critical illness insurance for women. These professionals will review your specific situation and provide personalized recommendations, helping you make the most informed decision possible.

By consulting with multiple experts, you'll gain a comprehensive understanding of your options and ensure you're choosing the best coverage for your unique needs as a woman. Don't leave your health protection to chance – get the expert advice you deserve today .

Click here to get 5 expert opinions on critical illness insurance for women