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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As a Senior Consultant with over 16 years of experience, I’ve had the privilege of walking alongside more than 100 families and guiding hundreds of individuals toward financial clarity and long-term security. Whether you’re planning for your children’s education, preparing for retirement, or managing generational wealth, I offer objective, relevant, and competitive solutions tailored to your unique life goals.
Because life is short, how you use it—and the purpose behind your financial choices—ultimately determines its value. My approach is grounded in trust, transparency, and a deep understanding of family dynamics and human behavior. I take pride in simplifying complex financial concepts into clear, actionable strategies — helping you make informed decisions with confidence and clarity.
I view active financial planning as a way to help you make authentic choices that protect your family and unlock your fullest potential. It’s about finding peace of mind through life’s uncertainties, securing your financial future, and shaping a legacy that reflects what truly matters to you. Just as companies grow by investing in their people, you can create a richer, more fulfilling life by investing in your future self, your loved ones, and the life you want to live.
Outside of work, I enjoy jogging, cycling, music, and engaging in meaningful conversations with people from all walks of life. To me, personal financial planning is more than protection and wealth accumulation — it’s about using our limited resources purposefully to live meaningfully, care deeply, and leave behind a legacy aligned with our values and purpose.
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