This product introduction page is shared by HADI WIJAYA, a SENIOR FINANCIAL SERVICES MANAGER 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


HADI WIJAYA

SENIOR FINANCIAL SERVICES MANAGER

About HADI WIJAYA

My mission is to serve and help people to grow their money in a sustainable and realistic way through carefully selected stocks/ETFs, tailor-made using a proprietary system, combining the power of Fundamental Analysis and unconventional Technical Analysis. High hurdle rate is applied to ensure clients receive first, before giving any remuneration to me (give first, take later approach). People who typically approach me are those tired and disappointed at poor performance of Unit-Trust due to its upfront high cost and the fact that clients were still charged despite losing money. My principle is that it is only right to charge clients after they make relatively high percentage of return.

I love to work together with friends from all walks of life, particularly:

  • Those who appreciate the risk-adjusted return concept, aiming 7-8% per annum portfolio performance over 3-5 years (extra percentage will be a bonus)
  • Professionals such as doctors, lawyers, or software engineers who are busy doing things that they love and are great at
  • Those who regard me as their partner in driving them safely towards their life goals
  • Retirees who are looking for better cashflow/passive income without taking extra risk

Feel free to speak to me or Whatsapp me at +65 80641990. I would love to hear your aspirations in life! 

Frequently Asked Questions

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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.