AIA Ultimate Critical Cover (UCC)
Allow yourself the space to restore, refuel and reset when recovering from critical illness.
Allow yourself the space to restore, refuel and reset when recovering from critical illness.
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.
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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I’m a financial consultant with a heart for real life — and real people. With close to a decade of experience in finance and accounting, my journey has taken me through roles at Deloitte, regional MNCs, and cross-border ventures. But what truly shaped me is more than the work — it’s the seasons of caregiving, motherhood, and conscious life planning that brought depth to my perspective.
I work closely with individuals and families navigating life’s pivotal stages — from young adults laying their foundation, to parents raising children, and sandwich-generation families supporting both kids and aging parents.
Many clients come to me when they feel:
- Overwhelmed by competing financial priorities, trying to balance today’s needs with tomorrow’s goals
- Uncertain about where to begin, despite knowing they want more clarity and control
- Disappointed with generic advice that doesn't reflect their real life, values, or aspirations
To me, financial planning isn’t just about growing wealth — it’s about creating the space to live with peace of mind, hit meaningful milestones, and shape a life that feels aligned.
My mission?
To support as many families and individuals as I can — through sincere advice, practical wisdom, and purpose-driven strategies that empower you to live life on your terms.
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