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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Financial & Certified Islamic Wealth Adviser | Certified Wakaf Practitioner | Trusted Partner in Your Financial Journey
With over two decades of experience walking alongside clients through the ups and downs of life, I specialise in Islamic wealth advisory, with a strong focus on values-based financial planning, legacy structuring, and wakaf solutions.
What sets me apart is not just what I do — but how I do it. I believe in staying present for my clients whether they’re:
- growing their wealth,
- navigating health claims, or
- facing life’s crossroads.
My practice is rooted in sincerity, clarity, and barakah — because success is not just about the bottom line, but the impact we leave behind.
From helping a young woman weigh between full-time postgraduate studies and career acceleration, to holding space for families navigating grief and inheritance, to migrating clients' financial portfolio from conventional to Islamic portfolio — I bring both technical expertise and emotional insight to the table.
I am a proud mother of three independent daughters and a lifelong learner. Most recently, I completed a course in Islamic Business Management jointly offered by IIIT and IIUM. Over the years, I’ve come to define success as living with integrity, doing things right with kindness, and empowering others to do the same.
Let’s walk this journey together — building wealth with purpose, leaving legacies with meaning, and striving for barakah that endures beyond this life.
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