Critical Illness (Policy)AIA Singapore (Insurance)

AIA Power Critical Cover – Get up to 5x of your coverage amount.

Choose between "Value Plan" for coverage to age 75, or "Power Plan" for coverage to age 100 with surrender value (75% to 99%) of your coverage amount less any critical illness benefits paid.

AIA Power Critical Cover – Comprehensive critical illness plan with coverage against all stages of critical illnesses. Choose between a value plan or power plan to best fit your financial and coverage needs.

By InsuranceFIRST Last updated Jul 2, 2021

AIA Power Critical Cover journeys with you through the unpredictable event of multiple critical illnesses, from the pre-early stages to relapses. Have minimal financial disruption to you and your family while you focus on rest and recovery.

Maximum coverage age: Up to age 100

Premium term/ payable: Yearly for the duration of the policy

Cash value and Withdrawal benefit(s)	Yes	No
AIA Power Critical Cover (Product Details at a glance)
Policy cash value
Surrender/ Maturity value		X
Renewable/ Convertible features		X
Health and Insurance coverage(s)	Yes	No
Death coverage
Terminal Illness coverage		X
Total and Permanent Disability coverage		X
Critical Illness coverage
Early Critical Illness coverage
Optional insurance rider(s)	Yes	No
Insurance riders to enhance coverage		X
Additional product feature(s)	Yes	No

Additional product feature(s) on AIA Power Critical Cover

Detailed features and unique selling points of AIA Power Critical Cover:

Cash value option (Life Plan)

Choose between AIA Power Critical Cover Value Plan or AIA Power Critical Cover Life Plan.
AIA Power Critical Cover Value Plan – Coverage up to age 75 with no policy cash value.
AIA Power Critical Cover Life Plan – Coverage up to age 100 with Maturity Benefit(at age 100) of 100% of your coverage amount less any critical illness benefits paid.

Wide coverage of up to 175 conditions

Get coverage for 150 multi-stage critical illnesses and 15 special conditions including osteoporosis, diabetic complications and severe gout.
10 conditions under the Pre-Early Benefit, namely chronic diseases, cardiovascular diseases, and benign and borderline malignant tumours.

Power reset benefit to restore coverage

Power reset benefit will restore your coverage 12 months after your claim up to 500% of your sum assured.

Covers relapse of critical illness

Power Relapse Benefit – Covers relapse of critical illness (re-diagnosed major cancer, recurred heart attack or stroke, and repeated major organ/bone marrow transplantation or heart-valve surgery) after 2 years waiting period from the last claim.

Additional riders for AIA Power Critical Cover

The following riders can be added on to your AIA Power Critical Cover plan at an additional cost:

Early Critical Protector Waiver of Premium II – Waive of future premiums once you are diagnosed with any of the 149 covered conditions.
Early Critical Protector Payor Benefit II – Waive of all future premiums of your child’s AIA Power Critical Cover plan should you be diagnosed with any of the 149 covered conditions, suffer a total and permanent disability or pass away, so your child stays protected when it matters most.
Payor Benefit – Waive all future premiums of your child’s AIA Power Critical Cover plan and continue to protect them, should you suffer a total and permanent disability or pass away.

Who should take up an AIA Power Critical Cover?

AIA Power Critical Cover is a critical illness insurance plan. This category of insurance plans are suitable or unsuitable depending on the following factors:

AIA Power Critical Cover is suitable for

Comprehensive coverage for all stages of critical illnesses
Supplement your existing coverage to provide financial support upon the diagnosis of critical illnesses
High multiplied payout based on the sum assured value of the policy

AIA Power Critical Cover is not suitable for

High returns on wealth accumulation or retirement income (Savings Plans, Retirement Plans)
High insurance payout in the event of death (Term Plans, Whole Life Plans)
Limited premium commitment as the insurance premium has to be paid yearly for the policy to stay in force

Sample policy illustration for AIA Power Critical Cover

Coming soon.

Learn more about AIA Power Critical Cover

Leave your personal details via the critical illness contact form to receive your personalised quote. You may also compare plans similar to AIA Power Critical Cover using the Critical Illness plan comparison portal.

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Alternatively, contact us to know how this critical illness plan fits your insurance portfolio.