AIA Power Critical Cover Review

The complete Pros and Cons on AIA Power Critical Cover

AIA Power Critical Cover is a term/whole life plan that covers you against Death and multiple claims of multi-stage Critical Illnesses with riders to waive future premiums for you and your child.

AIA Power Critical Cover product details

  • Non-participating policy – Term policy
  • Coverage; be protected against
    • 10 conditions such as cardiovascular diseases under the Pre-Early Benefit
    • 150 early to advance stage Critical Illnesses
    • 15 special conditions such as osteoporosis
  • Power Reset Benefit
    • You can make multiple claims up to 500% of the Sum Assured for different illnesses, resets every 12 months
  • Relapse Protection
    • You are protected up to 2x the Sum Assured from the same critical illness once 24 months passes from the previous claim
  • 2 Options
    • AIA Power Critical Cover Value Plan (Term Life)
      • Coverage up to age 75
      • The policy has no cash value upon maturity
    • AIA Power Critical Cover Life Plan (Whole Life)
      • Coverage up to age 100
      • Receive 100% of Sum Assured when the policy matures at age 100
      • Receive 75% – 99% of Sum Assured less any benefits paid when you surrender this policy
  • Death Benefit
    • Be protected 100% of Sum Assured in the event of Death and an additional S$5,000 Compassionate Benefit

Features of AIA Power Critical Cover at a glance

Cash and Cash Withdrawal Benefits

Cash value: No (Yes if choose Value Plan)
Cash withdrawal benefits: No

Health and Insurance Coverage

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

Health and Insurance Coverage Multiplier

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

Optional Add-on Riders

  • Early Critical Protector Waiver of Premium II
  • Early Critical Protector Payor Benefit II
  • Payor Benefit

Additional Features and Benefits


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

AIA Power Critical Cover may be suitable if you are looking for

AIA Power Critical Cover may potentially be a good fit if the following matters to you:

  • High Health and Protection coverage
  • High insurance coverage for Death, Early Critical Illness, 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

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AIA Power Critical Cover may not be suitable if you are looking for

AIA Power Critical Cover may potentially be a bad fit if the following matters to you:

  • High insurance coverage for Total Permanent Disability or Terminal Illness
  • Long-term cash accumulation
  • Regular cash payout
  • A one-time premium commitment with no further cash commitment
  • Insurance policy with a surrender value (Yes if choose Value Plan)

Read Also: No budget for financial planning?

Further considerations on AIA Power Critical Cover

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

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

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

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

Is AIA Power Critical Cover suitable for me?

Contact InterestGuru using the form below. Our panel of licensed 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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    Before you go...
    AIA Power Critical Cover 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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