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

 
 



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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Need Advice?

Meet Your #ChooseQuality
Financial Adviser Representative


Esther Chew

Financial Advisory Manager (AFP, AWP, MDRT)

About Esther Chew

Hi, I'm Esther.

I advise professionals, doctors, and high-net-worth families on protecting, growing, and preserving their wealth through thoughtful financial planning.

My philosophy is simple: every dollar should have a purpose. Rather than accumulating unnecessary policies or investments, I help clients build efficient portfolios that balance wealth accumulation, risk management, liquidity, and legacy planning—helping them achieve financial independence with confidence.

As a fee-based financial planner, every recommendation begins with your objectives. Whether you're reviewing an existing portfolio or planning for retirement, your children's education, or intergenerational wealth transfer, my advice is tailored to your unique circumstances and long-term goals.

With access to solutions from 18 leading life insurers, together with a broad range of investment platforms and asset managers, I provide tailored advice and objective comparisons, allowing clients to make informed decisions without being limited to a single institution.

My clients value discretion, technical expertise, and honest advice delivered without pressure. Over the years, I have had the privilege of guiding clients through many of life's most significant financial milestones. My goal is to remain a trusted adviser for every stage of that journey.

If you're looking for a long-term financial partner who combines strategic thinking with personalised service, I'd be delighted to connect.

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.