You’ve got critical illness coverage.
But is it built for more than one claim?
Recovery can take time.
And sometimes, life doesn’t stop at the first diagnosis.
01.
Your family still
depends on you.
If you are unable to work for months, your mortgage, daily expenses, and family commitments continue. A single payout may not be enough if recovery takes longer than expected.
02.
The first claim may not
be the last.
Many people assume one payout solves the problem. But critical illness can happen more than once, or a different condition can arise years later.
03.
Be prepared if illness
comes back
Cancer, stroke, and heart conditions can relapse. The right coverage should give you confidence that you are still protected if it happens again.
Critical illness is not always a one time event
Many plans are designed to pay once. But recovery can take time, illness can return, and financial responsibilities do not disappear. The real question is whether your protection is built to continue.
01.
Your family still
depends on you.
If you are unable to work for months, your mortgage, daily expenses, and family commitments continue. A single payout may not be enough if recovery takes longer than expected.
02.
The first claim may not
be the last.
Many people assume one payout solves the problem. But critical illness can happen more than once, or a different condition can arise years later.
03.
Be prepared if illness
comes back
Cancer, stroke, and heart conditions can relapse. The right coverage should give you confidence that you are still protected if it happens again.
Critical illness is not always a one time event
Many plans are designed to pay once. But recovery can take time, illness can return, and financial responsibilities do not disappear. The real question is whether your protection is built to continue.
Critical illness does not just affect your health. It affects the life your family depends on.
Critical illness does not just affect your health. It affects the life your family depends on.
Most plans pay once.
UCC is built to protect again.
Critical illness is not always a one time event. Recovery can take time, illness can return, and life does not always stop after the first diagnosis.
AIA Ultimate Critical Cover (UCC) is designed for long-term resilience, with protection that can continue even after you have claimed.
Because critical illness is not always one chapter, protection should not be either.
Meet AIA Ultimate Critical Cover
Unlimited claims, 100% coverage reset
Coverage resets back to full after 12 months from the last critical illness claim, subject to policy terms.
Continuous coverage even during relapses
Designed to support you even if a critical illness returns, so protection does not stop at the first event.
Wide coverage across multiple stages
Protection spans early, intermediate and major stages of critical illness, subject to policy terms.
First and only in Singapore
A differentiated approach to critical illness coverage, built for recurrence scenarios.
Most plans pay once.
UCC is built to protect again.
Critical illness is not always a one time event. Recovery can take time, illness can return, and life does not always stop after the first diagnosis.
AIA Ultimate Critical Cover (UCC) is designed for long-term resilience, with protection that can continue even after you have claimed.
Because critical illness is not always one chapter, protection should not be either.
Meet AIA Ultimate Critical Cover (UCC)
Unlimited claims, 100% coverage reset
Coverage resets back to full after 12 months from the last critical illness claim, subject to policy terms.
Continuous coverage even during relapses
Designed to support you even if a critical illness returns, so protection does not stop at the first event.
Wide coverage across multiple stages
Protection spans early, intermediate and major stages of critical illness, subject to policy terms.
First and only in Singapore
A differentiated approach to critical illness coverage, built for recurrence scenarios.
Meet Robert, a 43 year old father
A simple story on how UCC helped a father beyond the first critical illness claim.
The First Diagnosis
At 43, Robert receives an early stage critical illness diagnosis.
Everything pauses in that moment, and the road ahead suddenly feels uncertain.
Payout and Recovery
Robert receives a payout that helps ease financial pressure during recovery, supporting daily expenses and allowing him to focus on getting better.
Twelve months after his claim, Robert’s coverage resets back to full, restoring his protection, subject to policy terms. That reassurance stays with him as life moves forward.
Reset and Reassurance
Supported Again
Years later, when a major critical illness strikes again, Robert receives another payout. Even in relapse, his protection was designed to continue.
Because critical illness is not always one chapter, protection should not be either.
Meet Robert, a 43 year old father
A simple story on how UCC helped a father beyond the first critical illness claim.
The First Diagnosis
At 43, Robert receives an early stage critical illness diagnosis. Everything pauses in that moment, and the road ahead suddenly feels uncertain.
Payout and Recovery
Robert receives a payout that helps ease financial pressure during recovery, supporting daily expenses and allowing him to focus on getting better.
Twelve months after his claim, Robert’s coverage resets back to full, restoring his protection, subject to policy terms. That reassurance stays with him as life moves forward.
Reset and Reassurance
Supported Again
Years later, when a major critical illness strikes again, Robert receives another payout. Even in relapse, his protection was designed to continue.
Because critical illness is not always one chapter, protection should not be either.
Make sure your protection does not stop at the first claim.
If you already have critical illness coverage, it may be time to review whether it is built to support more than one event.
Speak with a consultant to understand how AIA Ultimate Critical Cover is structured and whether it fits your long term protection needs.
Frequently asked questions
1. How does the 100% coverage reset work?
Under AIA Ultimate Critical Cover, your coverage can reset back to 100% 12 months from your last critical illness claim, subject to policy terms. This means your full coverage amount may be restored, allowing continued protection beyond the first event.
2. Can I make multiple claims, and is there a limit?
Yes. UCC is designed to support more than one critical illness event over time, including the ability to make multiple claims, subject to policy terms and conditions. In certain structures, claims may accumulate up to 500% of the original coverage amount. A consultant can explain how this works based on your selected coverage.
3. What happens if the same illness returns?
With the Ultimate Relapse Benefit (available under the UCC Enhancer), you may be able to claim again for the same critical illness if a relapse occurs, subject to policy terms and definitions.
4. What illnesses and stages does UCC cover?
AIA Ultimate Critical Cover provides coverage for up to 150 medical conditions across early, intermediate and major stages of critical illness, including major conditions such as cancer, stroke and heart attack, subject to policy definitions and terms. Coverage can also be structured up to age 65, 75 or 85, depending on your preference and suitability.
5. Does UCC provide additional support for more severe scenarios?
Yes. Under the UCC Enhancer, the Catastrophic Critical Illness Benefit may provide an additional payout should a catastrophic critical illness occur, regardless of previous claims, subject to policy terms.
6. Can I claim again even after I have already claimed once?
That is one of the key differentiators of UCC. With features such as coverage reset and relapse support, UCC is designed so that protection does not necessarily stop after the first claim, subject to policy terms.