Have you ever wondered what would happen if you or a loved one were diagnosed with a critical illness? It's a sobering thought, but one that's important to consider. AIA Power Critical Cover is designed to provide extensive protection against multiple critical illnesses, from early stages to potential relapses. Let's dive into the details of this comprehensive plan and see how it can offer you peace of mind.
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AIA Power Critical Cover is a critical illness insurance plan that goes above and beyond traditional coverage. It's designed to support you financially through every stage and outcome of critical illnesses , from the detection of chronic conditions to the diagnosis of major illnesses, and even in the face of relapses or different critical illnesses.
Covers 10 pre-early conditions , including chronic diseases and cardiovascular issues. Protects against 150 multi-stage critical illnesses. Includes 15 special conditions like osteoporosis and severe gout.
Restores 100% of your coverage amount 12 months after each claim . Allows multiple claims up to 500% of your coverage amount.
Provides up to 200% coverage for relapses of the same critical illness . Covers re-diagnosed major cancer, recurred heart attacks or strokes, and repeated major organ transplants.
Choose between two plan options: a) Value Plan (coverage up to age 75) b) Life Plan (coverage up to age 100 with maturity and surrender benefits).
Access to personalized medical support through Medix. Telemedicine consultations for convenience.
| Age | What suggestion covers | Premium |
|---|---|---|
| 22, Female making $2,300 a month | sum assured $750,000 late stage ci $150,000 early stage ci $150,000 | $85.18 |
Pays 10% of your coverage amount (up to S$10,000) for chronic diseases. Covers conditions like Type 2 Diabetes and certain cardiovascular issues.
Pays 100% of your coverage amount for early and intermediate stage diagnoses . Covers a wide range of conditions from early-stage cancers to heart-related issues.
Pays 100% of your coverage amount for major stage diagnoses . Includes severe conditions like advanced cancer, heart attacks, and strokes.
Pays an additional 20% of your coverage amount (up to S$25,000) for 15 special conditions. Includes conditions like severe rheumatoid arthritis and diabetic complications.
Restores your coverage to 100% after 12 months from your last claim . Allows you to claim up to 500% of your original coverage amount.
Provides up to 200% additional coverage for relapses of specific critical illnesses . Applies to conditions like re-diagnosed major cancer or recurred heart attacks.
Let's look at how this plan could work for someone like David:
In this scenario, David has received total payouts of S$330,000, which is 330% of his original coverage amount, and still maintains S$100,000 of coverage for future claims.
Extensive coverage for a wide range of conditions
Multiple claim capability with Power Reset and Power Relapse benefits
Coverage for early to advanced stages of critical illnesses
Value-added services like telemedicine and personalized medical support
Guaranteed cash value options
Premiums may be higher compared to basic critical illness plans
Waiting periods apply between claims
Coverage amount reduces by 50% after age 75 for most benefits
The cost of AIA Power Critical Cover varies based on factors like your age, gender, smoking status, and the coverage amount you choose. It's best to consult with an AIA Financial Services Consultant for a personalized quote.
100% of your coverage amount, less any critical illness benefits paid
Additional S$5,000 payout upon death
Up to 15% discount on premiums for maintaining a healthy lifestyle
Waives future premiums if you're diagnosed with any of 149 covered conditions
Waives premiums for your child's plan if you're diagnosed with a critical illness, disabled, or pass away
Waives premiums for your child's plan if you're disabled or pass away
It's best to choose the right coverage from the start, but you can discuss adjustment options with your AIA consultant.
Like most insurance policies, there are exclusions such as pre-existing conditions and self-inflicted injuries.
AIA Vitality is a wellness program that rewards healthy behaviors. You can earn discounts on your premiums by maintaining a healthy lifestyle.
This is a standalone plan, but you can discuss complementary coverage options with your AIA consultant.
The Power Reset and Power Relapse benefits allow for multiple claims, subject to waiting periods and specific conditions.
AIA Power Critical Cover offers a comprehensive shield against the financial impact of critical illnesses. Its unique features like the Power Reset and Power Relapse benefits provide an extra layer of protection that goes beyond traditional critical illness plans. While it may come at a higher premium, the extensive coverage and multiple claim capabilities offer valuable peace of mind.
Remember, the best insurance plan is one that fits your specific needs and budget. If you're considering AIA Power Critical Cover or any other critical illness protection, it's crucial to get personalized advice.
Ready to explore your critical illness protection options? Don't rely on just one perspective. Get expert insights tailored to your unique situation. Sign up now to receive 5 expert opinions on critical illness coverage. These professionals will review your specific needs 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 protection for you and your loved ones. Don't leave your future to chance – get the expert advice you deserve today.
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