This product introduction page is shared by Lee Jireh 李以勒, a Financial Advisory Manager 财务顾问经理 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


Lee Jireh 李以勒

Financial Advisory Manager 财务顾问经理

About Lee Jireh 李以勒

Lee offers impartial financial advice that is in the clients’ interest instead of providing unbiased advice that is unduly influenced by his business/insurer partners’ sales quotas or higher commissions.
We have stuck to this principle from day one so that our clients benefit fully from impartial advice and put in place the best-suited financial plans.

With over a decade of experience in the finance industry, Lee has a wealth of knowledge and expertise that he brings to every client interaction. He has helped individuals and families achieve their financial goals and has earned a reputation as the go-to financial adviser for his clients.

What sets Lee apart is his ability to simplify complex financial concepts and make them easy to understand for his clients. As Lee believes that "Education is a Powerful Medicine", he is committed in educating his clients on all aspects of personal finance and takes the time to explain the pros and cons of different options in the market with no biasness to any of his business/ insurers partners. He empowers his clients to make informed financial decisions that are in line with their goals and ideals.

Lee is also known for his exceptional customer service. He has a team of dedicated professionals who work with him to provide his clients with the highest level of support and guidance. He believes in building strong, long-lasting relationships with his clients.

Lee is currently managing portfolio of clients from the US, China, India, Italy, Japan and ASEAN profiles. 

 

李提供的是符合客户利益的公正理财建议，而不是被他的业务/保险公司合作伙伴的销售配额或高佣金所过度影响的有偏见的建议。作为一家理财顾问公司，我们从一开始就坚持这一原则，使我们的客户能够完全受益于公正的建议，并制定最适合的理财计划。

凭借在金融行业超过十年的经验，李拥有丰富的知识和专业技能，并将这些带到每一次与客户的互动中。他帮助了个人和家庭实现他们的财务目标，并赢得了高净值客户的首选财务顾问的声誉。

李的与众不同之处在于他能够简化复杂的金融概念，使客户容易理解。因为李相信“教育是一剂强有力的药方”，他致力于在个人理财的各个方面教育客户，并花时间解释市场上不同选项的优缺点，而不偏袒任何商业或保险公司合作伙伴。他赋予客户做出符合其目标和理想的明智财务决策的能力。

李还以其卓越的客户服务而闻名。他有一支敬业的专业团队，与他一起为客户提供最高水平的支持和指导。他相信与客户建立强大且持久的关系。

李目前管理着来自美国、中国、印度、意大利、日本和东盟的客户组合。

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.