AIA Ultimate Critical Cover (UCC) offers multiple claims for multi-stage critical illnesses, and against relapses with an enhanced rider.
Continual protection with Ultimate Reset Benefit
Coverage fully resets every 12 months* from the last claim. With this benefit, you are covered against different critical illnesses with unlimited claims for major stages**. It also allows you to make multiple claims totalling up to 500%*** of your coverage amount.
* 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.
** 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.
*** 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.
AIA Ultimate Critical Cover (UCC) coverage
Flexible coverage length: Coverage term of up to age 65, 75, or 85.
Wide coverage for multiple stages: Covered for 150 medical conditions across early, intermediate and major stage.
Death benefit: In the unfortunate event of death, loved ones will receive 5% of the coverage amount. Should accidental death occur, they will receive 100% of the coverage amount. The UCC policy will terminate after the death benefit or accidental death benefit is paid out.
Option to include UCC Enhancer rider
The UCC Enhancer provides additional protection with the Ultimate Relapse Benefit and Catastrophic Critical Illness Benefit.
Ultimate Relapse Benefit
When a relapse occurs, this benefit allows you to claim again for the same critical illness your AIA Ultimate Critical Cover (UCC) paid out.#
For every claim, you will receive the lower of 50% of your coverage amount; or your current coverage amount. You can claim up to 100% of your coverage amount.
• Re-diagnosed Major Cancer
• Recurred Stroke
• Recurred Heart Attack
• Repeated Major Organ or Bone Marrow Transplant
• Repeated Heart Valve Surgery
# Two-year waiting period applies. AIA Singapore will only admit a claim for Ultimate Relapse Critical Illness Condition if it has previously paid 100% of the coverage amount under the Critical Illness Benefit for any stage of the same critical illness.
Catastrophic Critical Illness Benefit
Should catastrophic critical illness## strike, you will receive an additional 100% of your coverage amount, regardless of any claims made previously. This payout does not reduce the coverage amount of your AIA Ultimate Critical Cover (UCC).
• Major Cancer
• Heart Attack
• Major Organ Transplant (heart and lung)
• Paralysis (loss of use of limbs)
## This benefit is payable once and terminates thereafter.
Optional Premium Waiver Riders
Riders to ensure your plan’s continuity:
Future premiums of your AIA Ultimate Critical Cover (UCC) and eligible riders (if any) will be waived, upon diagnosis of any of the covered: 149 early, intermediate, or major stage critical illnesses with Early Critical Protector Waiver of Premium (II) rider; or 72 major critical illnesses with Critical Protector Waiver of Premium (II) rider.
Riders to secure your child’s plan:
Waive future premiums of your child’s AIA Ultimate Critical Cover (UCC) and eligible riders (if any) until your child’s 25th birthday or the end of your premium waiver rider term (whichever is earlier) upon diagnosis of any of the covered: 149 early, intermediate, or major stage critical illnesses, total and permanent disability, or upon your passing with Early Critical Protector Payor Benefit (II) rider; or Upon your passing or diagnosis of disability, with Payor Benefit rider.
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