PD TM AIA CCC Brochure dd by jennyyingdi

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									PROTECTION   AIA COMPLETE CRITICAL COVER




                       This is what he does
                       to pay for his
                       father’s cancer
                       Your loved ones suffer too when critical illness strikes you




                       AIA.COM.SG
This is what she
does to pay for her
daughter’s cancer
                                                         AIA COMPLETE CRITICAL COVER




Every day
in Singapore,


28
people
are diagnosed
with cancer *

                                                                     Less
                                                                     than
                                                                20
                                                            of Singaporeans
                                                               are financially
                                                                                        %
                                                        prepared to deal with
                                                             a Critical Illness**



* Source: The Global Cancer Burden - The Straits Times, 4 February 2012
** Source: AIA Singapore Nationwide Protection Survey conducted by The Nielsen Company in June 2011
Women
have a


52.8
and men
                                      %
have a


40.7%
chance of
surviving
from cancer ^




^ Source: Women have better cancer survival rate than men - The Straits Times, 1 February 2012
                                                           AIA COMPLETE CRITICAL COVER             4




Many eventualities, one
solution – AIA Complete
Critical Cover
Life is unpredictable, especially
when it comes to illnesses.
And when you buy insurance, you want it to provide you with financial assistance at the
times where it will be most relevant and effective. Especially if you are the breadwinner, your
loved ones should not be burdened or deprived when you have huge medical bills to pay.


AIA Complete Critical Cover may be what you need. It is a critical illness protection plan
designed to give you comprehensive financial support to battle against an unexpected
critical illness. It covers early, major, and catastrophic critical illnesses, including cancer,
heart disease and stroke. But what’s unique about this plan is it pays for major cancer
relapse too. And you can make multiple claims with total payouts of up to 200% of your
insured amount. Such benefits make it one of the most attractive plans in town.
Benefits of this plan include:
Comprehensive protection for your peace of mind                          ENHANCED




     AIA                             Catastrophic Critical Illness
    Covers                           Up to 200% payout
     You
   200%
                                     Major Cancer Relapse
                                     Up to 50% payout


     Your                            Major Critical Illness
   Insured                           Up to 100% payout
   Amount
   100%
                                     Early Critical Illness
                                     Up to 50% payout ±



Early payouts so you can seek prompt treatment
               o     ca                                                ENHANCED


Early treatment is important towards recovery. Enjoy peace of mind knowing that upon
early diagnosis, you can seek treatment to prevent illnesses from progressing to more
advanced stages. The plan pays out up to 50% of the insured amount or up to $75,000
(applies to some Early Critical Illnesses) in the event of a qualifying diagnosis of any of
the Early Critical Illnesses described on pages 7 and 8.

For some prevalent diseases such as diabetic complications‡ and angioplasty, the plan
pays up to 25% of the insured amount (subject to a limit of $25,000), whichever is lower,
upon early diagnosis.
                                                     AIA COMPLETE CRITICAL COVER             6




Immediate payouts up to 200% in the event
of a Catastrophic Critical Illness
For Catastrophic Illnesses, you will receive a lump sum of up to 200% of the insured
amount (less any amount(s) paid out previously).



Multiple claims so you remain covered
AIA Complete Critical Cover does not terminate in the event of an Early Critical Illness
or a Major Critical Illness claim. Should your condition take a turn for the worse, you
may make further claims up to 200% of the insured amount. It is possible to claim for a
combination of multiple Early, Major or Catastrophic Critical Illness up to a maximum of
200% of the insured amount. Please note that there is a waiting period between some
claims, which is briefly described in the Frequently Asked Questions on page 11.



Major Cancer Relapse Benefit                 ENHANCED


You will receive a payout of up to 100% of the insured amount for a claim for cancer
under Major Critical Illness.

Recognising that cancer is unpredictable, should there be a relapse after a year from your
remission, you may be eligible for a further payout of 50% of the insured amount (subject
to a maximum total claim limit of 200% of the insured amount payable under your policy).
This ensures you have the financial support to continue back on the road of recovery.



Premium waiver with continued protection for you
After you have made successful claim(s) for a Major Critical Illness or 2 Early Critical
Illness (whichever is earlier), you will no longer have to pay future premiums while
still being protected for the remaining balance of the insured amount under the policy.
Each of the 2 Early Critical Illness claims must be at benefit level of 50% of the insured
amount (subject to applicable limits).



       LEVEL PREMIUMS+
Benefits at a glance
                                                                     Severity Level

                                                    Early Critical   Major Critical   Catastrophic
Critical                                               Illness          Illness       Critical Illness
Illness              Critical Illness Category
Group
                                                    Benefit Level     Benefit Level     Benefit Level
                                                    (% of Insured    (% of Insured    (% of Insured
                                                      Amount)          Amount)          Amount)

Group 1    Cancer1                                      50%              100%             200%

           HIV due to Blood Transfusion and                              100%
           Occupationally Acquired HIV

           Aplastic Anaemia                                              100%

           Major Organ Transplant                                        100%
           (Bone Marrow/Pancreas)

Group 2    Stroke                                       50%              100%             200%

           Heart Attack2
                                                        50%              100%             200%

           Coronary Artery Surgery   3
                                                    25% or 50%           100%

           Other Serious Coronary Artery Disease1       50%              100%

           Kidney Failure4                          25% or 50%           100%

           Heart Valve Surgery                                           100%

           Surgery to Aorta                                              100%

           Major Organ Transplant (Heart/Kidney)                         100%             200%

Group 3    Fulminant Hepatitis                                           100%

           End Stage Liver Failure                                       100%

           Major Organ Transplant (Liver)                                100%

Group 4    Chronic Lung Disease                         50%              100%

           Pulmonary Hypertension                                        100%

           Major Organ Transplant (Lung)                                 100%

Group 5    Multiple Sclerosis                                            100%

           Muscular Dystrophy                                            100%

           Alzheimer’s Disease/Severe Dementia                           100%

           Motor Neurone Disease                                         100%

           Parkinson’s Disease                                           100%
                                                                AIA COMPLETE CRITICAL COVER                      8




                                                                           Severity Level

                                                          Early Critical   Major Critical   Catastrophic
    Critical                                                 Illness          Illness       Critical Illness
    Illness             Critical Illness Category
    Group
                                                          Benefit Level      Benefit Level     Benefit Level
                                                          (% of Insured     (% of Insured    (% of Insured
                                                            Amount)           Amount)          Amount)

    Group 6    Blindness (Loss of Sight)5                  25% or 50%          100%

               Paralysis (Loss of Use of Limbs)   6
                                                              25%              100%              200%

               Coma                                                            100%

               Deafness (Loss of Hearing)                                      100%

               Loss of Speech                                                  100%

               Benign Brain Tumour                                             100%

               Major Burns                                                     100%

               Major Head Trauma                                               100%

    Group 7    Bacterial Meningitis                                            100%

               Encephalitis                                                    100%



Major Cancer Relapse is a Critical Illness with a payout of 50% of Insured Amount and is not classified
in any of the 7 Critical Illness Groups.
1
  Maximum payout for Early Critical Illness benefit is subject to the lower of 50% of the Insured Amount or
  up to $75,000 per Insured.
2
  Maximum payout for Early Critical Illness benefit in relation to:
  (a) the insertion of a permanent cardiac pacemaker; or (b) the undergoing of pericardectomy or keyhole
  cardiac surgery, is subject to the lower of 50% of Insured Amount or up to $75,000 per Insured;
  (c) Diagnosis of cardiomyopathy, the maximum payout is subject to 50% of Insured Amount per Insured.
3
  Maximum payout for Early Critical Illness benefit in relation to:
  (a) the correction of narrowing or blockage of 1 or more coronary arteries via “keyhole” surgery is
  subject to the lower of 50% of Insured Amount or up to $75,000 per Insured; or
  (b) the undergoing of balloon angioplasty or similar intra arterial catheter procedure is subject to the
  lower of 25% of Insured Amount or up to $25,000 per Insured.
4
  Maximum payout for Early Critical Illness benefit in relation to:
  (a) the complete surgical removal of 1 kidney is 50% of Insured Amount per Insured;
  (b) Diabetic Nephropathy is subject to the lower of 25% of Insured Amount or up to $25,000 per Insured.
5
  Maximum payout for Early Critical Illness benefit in relation to:
  (a) the total and irreversible loss of sight of 1 eye is subject to the lower of 50% of Insured Amount or up
  to $75,000 per Insured;
  (b) Diabetic Retinopathy is subject to the lower of 25% of Insured Amount or up to $25,000 per Insured.
6
  Maximum payout for Early Critical Illness benefit is subject to the lower of 25% of Insured Amount or up
  to $25,000 per Insured.
Example 1
Mr. Tan is a 34-year-old non-smoker who has AIA Complete Critical Cover. He pays an
annual premium of S$1,819 for S$100,000 of coverage.

At age 37 he is diagnosed with early stage Prostate Cancer.

He makes an Early Critical Illness claim and receives an immediate payout of S$50,000,
seeks immediate treatment, and makes a full recovery.

At the age of 45 he undergoes an insertion of cardiac pacemaker due to a heart
complication which has no relation to his Prostate Cancer. He makes an Early Critical
Illness claim and receives a further payout of S$50,000.

His future premium payments are waived by AIA.

At age 62 he suffers a serious Heart Attack and makes a successful claim for a
Catastrophic Critical Illness. He receives a further S$100,000 and uses the money
to pay for nursing care at home.



                                                                   Policy Terminates

       AIA
    Covers You        Age 62: Catastrophic Critical Illness
     200%             Heart Attack – Group 2
                      (200% x S$100,000) - S$100,000 = S$100,000




                                                                   Premium Waived
                      Age 45: Early Critical Illness
       Your           Heart Attack – Group 2
  Insured Amount      50% x S$100,000 = S$50,000

     100%
                      Age 37: Early Critical Illness
                      Prostate Cancer – Group 1
                      50% x S$100,000 = S$50,000




  Mr Tan pays: 11 years x S$1,819 = S$20,009
  AIA pays: S$50,000 + S$50,000 + S$100,000 = S$200,000
                                                       AIA COMPLETE CRITICAL COVER       10




Example 2
Mrs Lim is a 32-year-old non-smoker who has AIA Complete Critical Cover. She pays
an annual premium of S$1,459 for S$100,000 of coverage.

At age 38 she detects a lump in her left breast. The lump is diagnosed as Carcinoma-
In-Situ of breast. She makes an Early Critical Illness claim and receives a payout of
S$50,000. She makes a complete recovery.

At age 49 she is diagnosed with Cervix Uteri Cancer and makes a Major Critical Illness
claim, receiving a payout of S$50,000. Following successful treatment, her cancer
goes into remission and she is able to return to work.

Her future premium payments are waived by AIA.

At age 58 she experiences a relapse of the Cervix Uteri Cancer and makes a
successful claim for Major Cancer Relapse, receiving a further payout of S$50,000
representing 50% of the insured amount.

She continues to be covered under her policy.


                                                             Policy Remains In-force
                       Remaining Critical Illness Benefit:
       AIA             (200% x S$100,000) - S$150,000 = S$50,000
    Covers You
      200%
                       Age 58: Major Cancer Relapse
                       Cervix Uteri Cancer – Group 1
                       50% x S$100,000 = S$50,000

                       Age 49: Major Critical Illness                 Premium Waived

       Your            Cervix Uteri Cancer – Group 1
  Insured Amount       (100% x S$100,000) - S$50,000 = S$50,000

      100%
                       Age 38: Early Critical Illness
                       Cancer-Carcinoma-In-Situ of breast – Group 1
                       50% x S$100,000 = S$50,000




   Mrs Lim pays: 17 years x S$1,459 = S$24,803
   AIA pays: S$50,000 + S$50,000 + S$50,000 = S$150,000
   Remaining Critical Illness Benefit: (200% x S$100,000) - S$150,000 = S$50,000
Frequently Asked Questions
It is always our intention to write in plain English, and to be as transparent as possible
when describing our products. The questions and answers below reflect the most common
concerns raised by our customers. If you have any other questions not addressed here,
please ask your AIA Financial Services Consultant for more information. Alternatively,
you may visit our website at AIA.COM.SG or contact our Customer Care Hotline at
1800 248 8000.

Q1. Who can apply for AIA Complete Critical Cover?
You can apply if you are aged between 6 months and 65 years old on your last birthday.

Q2. What Critical Illnesses are covered?
The Critical Illnesses covered under this policy include the most prevalent Critical
Illnesses (e.g. Cancer, Stroke and Heart Attack) diagnosed in Singapore and are listed
on pages 7 and 8. For a more detailed description of the Critical Illnesses, please refer
to the Product Summary.

Q3. What limitations apply to multiple claims?
A brief summary is provided below. Please refer to the product summary for the limitations
applicable to multiple claims.
There are 7 groups of Critical Illnesses covered under the plan. Within each Critical Illness
Group, you may only make 1 claim each for:
• Early Critical Illness with benefit level of 25% of the insured amount (if applicable)
  (subject to applicable limits),
• Early Critical Illness with benefit level of 50% of the insured amount (if applicable)
  (subject to applicable limits),
• Major Critical Illness, and
• Catastrophic Critical Illness (if applicable).
Within each Critical Illness Group, once a claim for a Critical Illness is paid, no further
benefit is payable for future Critical Illness claims at the same or lower Benefit Level. Within
each Critical Illness Group, the benefits payable for subsequent Critical Illness claims (at
higher Benefit Level) are reduced by prior paid Critical Illness claims (at the lower Benefit
Level).
In all instances, the maximum amount which may be claimed under the policy is 200% of
the insured amount. Waiting periods apply to claims on the Critical Illness. A brief summary
of waiting periods is provided in the FAQs below.

Q4. Is there a waiting period before I can make a claim?
A brief summary of waiting periods is provided below. For details of the applicable waiting
periods, please refer to the Product Summary.
• In relation to the categories of Heart Attack, Cancer or Coronary Artery Surgery or for
  Diabetic Nephropathy under Early Critical Illness of Kidney Failure, Diabetic Retinopathy
                                                      AIA COMPLETE CRITICAL COVER               12




  under Early Critical Illness of Blindness (Loss of Sight) or amputation that has occurred
  as a result of complication of diabetes under Early Critical Illness of Paralysis (Loss
  of Use of Limbs), there is a waiting period of 90 days, that is, the date of Diagnosis of
  the Medical Condition or the date of Diagnosis of conditions leading to performance
  of Surgical Procedure must be more than 90 days from the later of the Issue Date,
  the Reinstatement Date or date of endorsement of the Basic Policy.
• In relation to the categories of Carcinoma-In-Situ or Prostate Cancer T1a or T1b, there is
  a waiting period of 180 days, from the later of the Issue Date, the Reinstatement Date or
  date of endorsement of the Basic Policy.
• In relation to all other Critical Illnesses, there is a waiting period of 30 days, that is,
  the date of Diagnosis of the illnesses or the date of Diagnosis of conditions leading to
  performance of these Surgical Procedures must be more than 30 days following the later
  of the Issue Date, the Reinstatement Date or date of endorsement of the Basic Policy.

Q5. Is there any waiting period between claims?
There is no waiting period between different Early Critical Illness claims, and no
waiting period between claims for progressive severity levels of Critical Illnesses from
the same Critical Illness Group (e.g. if an Early Critical Illness progresses quickly to a
Major Critical Illness, you may make a claim immediately). There is a 12-month waiting
period between claims for a Major Critical Illness and any subsequent Critical Illness from
a different Critical Illness Group.

Q6. Is there a survival period before I can make a claim?
The Insured must be alive after 30 days following the diagnosis of a Medical Condition or
performance of Surgical Procedure.

Q7. What conditions are excluded from this policy?
Common exclusions include HIV/AIDS (except HIV Due to Blood Transfusion
and Occupationally Acquired HIV), conditions related to congenital defects, pregnancy
and pre-existing conditions. For more information on exclusions, please refer to
the Product Summary.

Q8. How will I receive my claim payout?
The benefits are paid in lump sum cash payments, giving you the freedom to choose
whether to use your payout to cover your medical expenses, experimental/pioneering
treatments, to replace lost income, pay for nursing care, or even take a convalescent break.

Q9. Can I change my mind and cancel the policy after I’ve purchased it?
Yes. You may cancel the plan by writing to us within 14 days from the date you receive your
policy document (free-look period) and receive a refund of your premium (less any medical
expenses incurred).
±
    Subject to applicable limits
‡
    Diabetic Nephropathy, Diabetic Retinopathy and amputation of the entire foot due
    to gangrene
+
    Your premium will be based on your age at the time the policy is issued, and remains
    level over the life of the policy. By payment of your premiums due on each premium due
    date, your plan will provide coverage up to the policy anniversary immediately following
    your 75th birthday. Premiums payable under the plan are not guaranteed. We may revise
    the premiums payable subject to our future obligations under the plan and any future
    amendments to the laws and regulations of Singapore. The premiums revision would
    not be on an individual policy basis.


    Important Notes:
    All terms in upper case set out in this brochure are defined in the Basic Policy contract.
    This insurance plan is underwritten by AIA Singapore Private Limited (Reg. No.
    201106386R) (“AIA”). All insurance applications are subject to AIA’s underwriting and
    acceptance. This brochure is not a contract of insurance. The precise terms and conditions
    of this plan, including exclusions whereby the benefits under this plan will not be paid out,
    are specified in the policy contract. You are advised to read the policy contract.
    Buying a life insurance policy is a long-term commitment. You should consider carefully
    before terminating the policy or switching to a new one as there may be disadvantages
    in doing so. The new policy may cost more or have fewer benefits at the same cost.
    The information in this brochure is correct at the time of printing (5 March 2012).
                                               AIA COMPLETE CRITICAL COVER        14




About AIA Group
AIA Group Limited and its subsidiaries (collectively “AIA” or “the Group”)
comprise the largest independent publicly listed pan-Asian life insurance group
in the world. It has wholly-owned main operating subsidiaries or branches in
14 markets in Asia Pacific – Hong Kong, Thailand, Singapore, Malaysia, China,
Korea, the Philippines, Australia, Indonesia, Taiwan, Vietnam, New Zealand,
Macau and Brunei and a 26 per cent joint venture shareholding in India.


The business that is now AIA was first established in Shanghai over 90 years
ago. It is a market leader in the Asia Pacific region (ex-Japan) based on life
insurance premiums and holds leading positions across the majority of its
markets. It had total assets of US$114,461 million as of 30 November 2011.


AIA meets the savings and protection needs of individuals by offering a range
of products and services including retirement planning, life insurance and
accident and health insurance. The Group also provides employee benefits,
credit life and pension services to corporate clients. Through an extensive
network of agents and employees across Asia Pacific, AIA serves the holders
of more than 24 million individual policies and over 10 million participating
members of group insurance schemes.


AIA Group Limited is listed on the Main Board of The Stock Exchange of
Hong Kong Limited under the stock code “1299” with American Depositary Receipts
(Level 1) traded on the over-the-counter market (ticker symbol: “AAGIY”).
                                                                                                                               SGPD2012004-052-05032012 TM 3300038 (03/2012A)




                                      AIA Singapore Private Limited (Reg. No. 201106386R)
1 Robinson Road, AIA Tower, Singapore 048542 Monday - Friday: 8.45am - 5.30pm AIA Customer Care Hotline: 1800 248 8000 AIA.COM.SG

								
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