AIA Ultimate Critical Cover

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.

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Client Acknowledgement

This insurance plan is underwritten by AIA Singapore Private Limited (Reg. No. 201106386R) (“AIA”) and distributed by Financial Alliance Pte Ltd. All insurance applications are subject to AIA's underwriting and acceptance.

This is not a contract of insurance. The precise terms and conditions of this plan, including exclusions whereby the benefits under your policy may not be paid out, are specified in the policy contract. Waiting period and survival period are applicable before the benefits will be payable. Any claim or benefit payable is subject to deduction of any amounts owing to us. You are advised to read the relevant policy contract for details and the definition of all covered conditions.

Buying health insurance products that are not suitable for you may impact your ability to finance your future healthcare needs. You are discouraged from switching from an existing insurance policy to a new one without considering whether the switch is detrimental, as there may be potential disadvantages with switching. The new policy may cost more or have fewer benefits at the same cost.

This policy is protected under the Policy Owners' Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact your insurer or visit the GIA/LIA or SDIC websites (www.gia.org.sg or www.lia.org.sg or www.sdic.org.sg)

This advertisement has not been reviewed by the Monetary Authority of Singapore.

By proceeding with the product application, you acknowledge and agree that:

• Financial Alliance Pte Ltd ("FAPL") may collect, use, and disclose your personal data, as provided by the insurance company to FAPL as a result of your application, for the following purpose(s) in accordance with the Personal Data Protection Act 2012 and our data protection policy:

a) the processing of your application; and
b) the administration and servicing of your policy

Please visit our website for further details on our data protection policy, including how you may access and correct your personal data or withdraw consent to the collection, use or disclosure of your personal data.

• All information submitted through this website will be your own, and will be true, accurate, and unaltered.

• Insurance plays an important role in your financial planning, and buying an insurance product is a long-term commitment. You should read the product summary and seek financial advice from your Financial Consultant before purchasing this policy. Should you choose not to, you shall be responsible for ensuring that the policy is suitable and appropriate in meeting your financial needs and objectives.

I accept the Terms & Conditions and acknowledge that my information will be used for the aforementioned purposes.

Need Advice?

Meet Your #ChooseQuality
Financial Adviser Representative

Xu Lini

Financial Advisory Manager

About Xu Lini

感恩相遇~

我是许丽妮，您可以叫我Abby，或者丽妮都可以。

我在新加坡定居15年，就职于新加坡最大的理财公司，同时也是新移民群体的网络主播。

在小红书，油管，抖音，快手，微博等知名网络平台创建自己的频道，全网粉丝超3万。涉及关于新加坡的多方面领域，例如：移民，留学，保险，投资等。全网同名：Abby在新加坡

我的定位：

为个人和企业提供一站式，中立，专业的全方面的金融理财服务，提供优质的财富管理和财务规划解决方案。包含理财三大板块：

保险板块

投资板块

传承板块

新加坡金融管理局注册牌照金融公司：

新加坡最大的独立理财顾问公司 Financial Alliance(鑫盟理财) ，我们公司的业务伙伴️：
19家寿险公司
30多家普通保险公司(意外险、火险、工程险、汽车保险、旅游险等等）
4家基金交易券商平台(Havenport, iFAST奕丰, FAME, Navigator)
70多家国际和本地基金公司(1000多只全球市场基金)
16家房贷银行(房贷推荐)
4家家族信托公司(推荐)

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.

AIA Ultimate Critical Cover (UCC)

Ultimate Protection to Help You Stay Resilient

Flexible Policy Coverage Length

Wide Coverage for Multiple Stages

Multiple Claims with Reset Benefit

Peace of Mind for Your Family

Exclusive UCC Enhancer Add-On to Enjoy Relapse Benefit

Exclusive UCC Enhancer Add-On to Enjoy Catastrophic Critical Illness Benefit

Take Action Today

Buy AIA Ultimate Critical Cover

Client Acknowledgement

Meet Your #ChooseQuality
Financial Adviser Representative

Xu Lini

Frequently Asked Questions

AIA Ultimate Critical Cover (UCC)

Ultimate Protection to Help You Stay Resilient

Flexible Policy Coverage Length

Wide Coverage for Multiple Stages

Multiple Claims with Reset Benefit

Peace of Mind for Your Family

Exclusive UCC Enhancer Add-On to Enjoy Relapse Benefit

Exclusive UCC Enhancer Add-On to Enjoy Catastrophic Critical Illness Benefit

Take Action Today

Buy AIA Ultimate Critical Cover

Client Acknowledgement

Meet Your #ChooseQualityFinancial Adviser Representative

Xu Lini

Frequently Asked Questions

Is an FA Firm one that offers products from multiple product providers?

How does a financial advisory firm being progressive benefit me as a consumer?

Meet Your #ChooseQuality
Financial Adviser Representative