AIA Ultimate Critical Cover with UCC Enhancer
/5
Category
Type
Covers
Optional add-on Riders
Overview
- Pays out 100% of Sum Assured in event of diagnosis of early, intermediate or late-stage CI.
- After each successful claim, benefits will drop to zero but it resets to 100% of Sum Assured after a waiting period.
- With the UCC Enhancer Rider, Insured will get an additional 100% of Sum Assured for selected late-stage CI conditions.
- The UCC Enhancer Rider also pays out 50% of Sum Assured for recurrence of selected late-stage CI conditions.
For Whom
Suitable For
Not Suitable For
For What Purpose?
Income replacement for dependants or self in case of:
The plan pays out 100% of the sum assured for early or intermediate-stage critical illnesses, 200% for selected late-stage critical illness, and 50% for recurrence of selected CI conditions.
What are the Pros & Cons?
Pros
Competitive Pricing:
One of the most competitively priced multi-pay CI plans in the market based on coverage.
Additional coverage for Late-stage CI:
pays out additional 100% of Sum Assured for selected late-stage CI conditions.
Additional Features:
Pays 100% of Sum Assured in the event of Accidental Death and provides access to tele-consultation programmes.
Cons
This plan only pays out additional late-stage CI benefit once, and offers a lower Sum Assured for recurrent conditions compared to other similar products in the market
The plan has waiting periods ranging from 1 or 2 years between the reset, leading to non-payout scenarios if conditions are diagnosed during these waiting periods.
Critical illness plans are subject to premium change
What's the Cost?
| Age | Annual Male Premium | Annual Female Premium |
| 25 | $700 | $915 |
| 35 | $1,132 | $1,392 |
| 45 | $1,792 | $1,862 |
Things to Note
- Optional UCC Enhancer rider must be added to enjoy additional Late-stage CI and Recurrent CI benefits.
- Recurrent CI conditions must be of Late-stage to be eligible for payout.
- After claiming once for the additional Late-stage CI benefit, future Late-stage CI claims for a new CI condition will only be paid under the base policy at 100% of the Sum Assured.
Disclaimer: This publication has not been reviewed by the Monetary Authority of Singapore. The information contained herein does not have any regard to the specific investment objective(s), financial situation or particular needs of any individual. Buying insurance is a long-term commitment and should be based on your unique needs and the suitability of the products. It is advisable to seek advice from a financial adviser to assess your needs and guide you on the features and details of the products before making any financial decisions. The coverage, benefits, premiums, and terms of insurance policies may vary depending on individual circumstances and insurance providers. Individuals are encouraged to review their own insurance needs and policies and seek advice tailored to their specific situation. While every reasonable care is taken to ensure the accuracy of the information provided, no responsibility can be accepted for any loss or inconvenience caused by any error or omission.
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