AIA Beyond Critical Care Review

The complete Pros and Cons on AIA Beyond Critical Care

AIA Beyond Critical Care is a term life plan that pays up to 2x against selected recurring Critical Illnesses and a first in market protection against mental illnesses.

AIA Beyond Critical Care product details

  • Non-participating policy – Term policy
  • Critical Illness Coverage
    • 100% of Sum Assured against 43 major stage Critical Illness (CI) for the first diagnosis or different CI
    • 200% of Sum Assured against 5 Recurring/Rediagnosed Critical Illnesses
    • 12 month waiting period inbetween first and subsequent claims
  • Death Coverage
    • Be protected 100% of Sum Assured against Death
    • Additional S$10,000 Compassionate Benefit will be paid
  • Mental Well-being Benefit
    • Be protected 20% of Sum Assured in the event you are diagnosed with any of the 5 prominent mental illnesses
  • 100% Refund of Premium
    • All premiums will be refunded at the end of the policy term less any benefits paid out

Features of AIA Beyond Critical Care at a glance

Cash and Cash Withdrawal Benefits

Cash value: Yes
Cash withdrawal benefits: No

Health and Insurance Coverage

Death: Yes
Total Permanent Disability: No
Terminal Illness: No
Critical Illness: Yes
Early Critical Illness: No

Health and Insurance Coverage Multiplier

Death: No
Total Permanent Disability: No
Terminal Illness: No
Critical Illness: Yes
Early Critical Illness: No

Optional Add-on Riders

  • Early Critical Protector Waiver of Premium
  • Critical Protector Waiver of Premium

Additional Features and Benefits

Yes.

For further information and details, refer to AIA website. Alternatively, fill-up the form below and let us advise accordingly.

AIA Beyond Critical Care may be suitable if you are looking for

AIA Beyond Critical Care may potentially be a good fit if the following matters to you:

  • High Health and Protection coverage
  • High insurance coverage for Death and Critical Illness
  • Lower initial premium compared to other types of insurance policies
  • Looking to boost insurance coverage or fill shortfalls in an insurance portfolio
  • Insurance policy with a 100% premium refund when policy matures

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AIA Beyond Critical Care may not be suitable if you are looking for

AIA Beyond Critical Care may potentially be a bad fit if the following matters to you:

  • High insurance coverage for Early Critical Illness, Total Permanent Disability or Terminal Illness
  • Long-term cash accumulation
  • Regular cash payout
  • A one-time premium commitment with no further cash commitment

Read Also: No budget for financial planning?

Further considerations on AIA Beyond Critical Care

  • How is AIA or AIA Beyond Critical Care payout and claims based on past track record?
  • How does AIA Beyond Critical Care compare with Term policy from other insurance companies?
  • Can AIA Beyond Critical Care fulfill my financial, insurance, health, and protection needs?

The above information may not fully highlight all the product details and features on AIA Beyond Critical Care. Talk to us or seek advice from a financial adviser before making any decision about AIA Beyond Critical Care.

Always ensure your long-term financial goals and objectives are aligned with the financial product you are considering to take up.

Read About3 things to consider before taking up a new financial product

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Is AIA Beyond Critical Care suitable for me?

Contact InterestGuru using the form below. Our panel of Independent Financial Advisers will advise accordingly, based on your financial profile and protection needs.

All financial reviews and proposals provided are 100% free of charge. There will be no obligation to take up any proposed financial products or services in any way.

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Financial Solutions Enquiry Form

What kind of insurance do you require more information with?

What kind of protection products are you looking at ?

For which event do you wish to be protected for?

DeathTotal and Permanent DisabilityCritical Illness (Early stage)Critical Illness (Advance and Late stage)Income in the event of Disability

How many year are you willing to make payment for?


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Would you expect to do partial withdrawal in the short term for this sum of money?

How much funds are you looking to achieve? (in SGD)

How many year are you looking to save for this amount of fund?

How many years would you expect to require the full sum of fund?


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We are not sure too, let us work out your financial needs with you.

 
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Before you go...
AIA Beyond Critical Care may be a good fit towards your current financial goals. However, there could be way more plans out there with features and/ or benefits that could be more relevant to you at a lower cost.
Drop us a message and find out about customised options across multiple insurance companies. You deserve to get the best out of your hard-earned savings!
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