This product introduction page is shared by 朱杰琳 Jolin Zhu, a 理财顾问经理 Financial Advisory 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.


Buy Now
Learn More



 


 
Image

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.

Buy Now

Buy AIA Ultimate Critical Cover


Need Advice?

Meet Your #ChooseQuality
Financial Adviser Representative


朱杰琳 Jolin Zhu

理财顾问经理 Financial Advisory Manager

About 朱杰琳 Jolin Zhu

在我国，高净值人群对理财的需求日益增强，但大多数人面临理财知识匮乏的挑战。传统的理财机构，如私人银行和第三方理财公司，虽然在一定程度上满足了高净值客户的需求，但由于管理环节繁琐和效率低下，往往无法提供最佳的解决方案。此外，这些机构的理财经理受到销售业绩压力，可能会向客户推荐不适合的理财产品，这使得客户在理财过程中面临诸多痛点。 针对这一现状，我致力于提供全面、以客户为中心的独立理财规划服务，旨在解决高净值人群在理财中遇到的问题。我擅长的领域包括新加坡各类保险规划，退休规划、基金投资建议、房贷介绍、遗嘱及家族信托安排、家族办公室服务以及传承规划等。通过一站式服务，我能够为客户量身定制合适的理财方案，确保他们的财富能够得到合理配置和有效传承。 我的目标是帮助客户建立全面的理财规划体系，让每位高净值客户都能享受到专业、高效且透明的理财服务。

In China, the demand for wealth management among high-net-worth individuals is on the rise, yet many face the challenge of insufficient financial knowledge. Traditional financial institutions, such as private banks and third-party wealth management firms, partially meet the needs of high-net-worth clients. However, their complex management processes and inefficiencies often prevent them from providing optimal solutions. Additionally, financial advisors in these institutions may face pressure to meet sales targets, leading them to recommend products that may not be suitable for their clients, thus creating several pain points in the wealth management process.

In response to this situation, I am committed to offering comprehensive, client-centered independent financial planning services aimed at addressing the challenges faced by high-net-worth individuals in managing their wealth. My areas of expertise include various insurance planning in Singapore, retirement planning, fund investment advice, mortgage introductions, estate planning and family trust arrangements, family office services, and legacy planning. Through a one-stop service approach, I am able to tailor appropriate financial solutions for my clients, ensuring that their wealth is effectively allocated and preserved for future generations.

My goal is to help clients establish a comprehensive financial planning system, allowing each high-net-worth individual to enjoy professional, efficient, and transparent wealth management services.

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.