This product introduction page is shared by David Wu, a Financial Advisory Manager | Certified Financial Planner representing Financial Alliance Pte Ltd. Learn More




AIA Ultimate Critical Cover (UCC)

Allow yourself the space to restore, refuel and reset when recovering from critical illness.


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Ultimate Protection to Help You Stay Resilient

Flexible Policy Coverage Length

Choose your preferred coverage term of up to age 65, 75, or 85, depending on your needs.

Wide Coverage for Multiple Stages

Get yourself covered for 150 medical conditions across early, intermediate and major stages.

Multiple Claims with Reset Benefit

Coverage resets every 12 months1 from the last claim, allowing you to make multiple claims against different critical illnesses for major stages2. It also allows you to make multiple claims totalling up to 500%3 of your coverage amount.

 

Peace of Mind for Your Family

In the event of death4, your loved ones will receive 5% of coverage amount. If the death was accidental, payout will be 100% of coverage amount.

Exclusive UCC Enhancer Add-On to Enjoy Relapse Benefit

You may still claim again if the same critical illness relapses5. Each Claim pays the lower of 50% of your coverage amount or your remaining coverage. You can claim up to 100% of your coverage amount.

Exclusive UCC Enhancer Add-On to Enjoy Catastrophic Critical Illness Benefit

Should catastrophic critical illness6 strike, you will receive an additional 100% of your coverage amount, regardless of any claims made previously.

 



Footnotes

1. The current coverage amount will be reset to 100% of the coverage amount if the UCC policy is in force 12 months after the last critical illness claim.

2. Unlimited claims apply to major stage of critical illnesses. Only one claim is payable for each stage of a critical illness. The total amounts payable for all stages of a critical illness shall not exceed 100% of the coverage amount. Maximum claim limit of 500% of coverage amount applies to early and intermediate stage of critical illnesses.

3. Applicable for early and intermediate stage critical illnesses covered by UCC policy. The total amounts payable for the early and intermediate stage of the same critical illness shall not exceed S$350,000 per life combined across all the UCC policies covering the same insured.

4. The UCC policy will terminate after the death benefit or accidental death benefit is paid out.

5. Two-year waiting period applies. We will only admit a claim for Ultimate Relapse Critical Illness Condition if we have previously paid 100% of the coverage amount under the Critical Illness Benefit for any stage of the same critical illness.

6. This benefit is payable once and terminates thereafter.

Take Action Today

Ensure you have the the ultimate critical illness protection needed for confidence and peace of mind. Act now to safeguard the future for you and your loved ones.

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Buy AIA Ultimate Critical Cover


Need Advice?

Meet Your #ChooseQuality
Financial Adviser Representative


David Wu

Financial Advisory Manager | Certified Financial Planner

About David Wu

I am a Financial Coach, Certified Financial Planner, and Life Enthusiast.

With over 15 years of experience in international banking and financial services, I am dedicated to empowering individuals to take control of their financial lives. My mission is to demystify complex financial concepts, helping clients right-size their resources and explore a broader spectrum of life choices.

As a passionate advocate for financial literacy, especially within underrepresented communities, I combine holistic, unbiased advice with practical strategies. I believe that living a simple, purposeful life is the key to achieving true financial independence. I am also the founder of minimalistinthecity.com, where I promote minimalism as a pathway toward clarity, purpose, and financial freedom.

Beyond my advisory work, I actively contribute to the digital finance space through platforms like CPF, The Financial Coconut, and iFast, sharing insights that foster financial wellness and literacy. My approach centers on building lasting relationships, walking side by side with my clients on their journey toward financial clarity and personal fulfillment.

I am a firm believer in "living a simple and meaningful life," and I help my clients discover their ikigai and craft tailored financial plans aligned with their passions. My dedication to education goes beyond one-on-one coaching—I frequently speak at conferences, seminars, and community events, inspiring audiences to embrace deliberate financial and life choices.

When I’m not guiding clients or sharing insights, I enjoy adventures in nature, with goals to climb Mt. Kilimanjaro and trek across Patagonia—reminding us all to seek fulfillment through exploration and purpose.

Let’s collaborate to unlock your financial potential or inspire others to take charge of their financial future.

You can see some of my publicly available work here: https://engage.fa.com.sg/davidwu/

Please feel free to contact me for a no-obligation exploratory chat.

 

Frequently Asked Questions

By definition, a FA firm is one that sells the products from more than one insurer or business partner.

However, you should consider whether the FA firm can ensure that financial advice given is free from the undue financial influence.

Ever since our founding more than two decades ago, Financial Alliance is committed  to offer impartial and client-centric financial advice.

We have your best interest at heart and will leave you to make your decision.

If suitable and impartial financial advice is what you seek, then you should only engage a trusted FA firm.

At Financial Alliance, we are dedicated to offering our clients the best financial advice.