Your health is an asset. Don t let critical illness turn it into a liability.

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1 Your health is an asset. Don t let critical illness turn it into a liability. 100% lump sum payout for critical illness1 including early stage My Early Critical Illness Plan Be financially prepared for the expenses that come with critical illnesses, from day one 2.

2 It is never too early to be prepared We live in a world where good health can t be taken for granted. Critical illness can happen to anyone, at anytime Every day, 37 people in Singapore are diagnosed with cancer 3 Cancer cases have jumped by about 17% since The number of stroke patients aged 30 to 34 in Singapore grew by 58% from 2005 to

3 What are you doing to protect yourself? With today s medical advancements, early diagnosis of illness is possible. There s good evidence that treatment of critical illnesses at the early stages can improve your chances of recovery. Yet according to our survey, 61% of Singaporeans are not confident of their financial security if diagnosed with a serious illness such as cancer 6. 53% of Singaporeans don t have any form of critical illness protection 7. This means that they ll be left to grapple with not only the emotional stress of coping with critical illness but also the financial burden that comes with it. So, it s important to ensure that you have the financial freedom to seek the best treatment right from the beginning and not having to worry about the loss of income, mounting debts, other financial priorities such as children s education fees and your own long-term care expenses. That s why having immediate financial payout upon diagnosis of critical illness during the early or intermediate stage could make all the difference for you and your loved ones.

4 Introducing My Early Critical Illness Plan There s nothing more important than your health. From the early and intermediate stages of critical illness 1, we re here to help you manage the financial expenses that come with it so you can focus on treatment and recovery. My Early Critical Illness Plan provides you with an upfront, lump sum payout upon diagnosis 2 so that you are financially prepared for the expenses that will come. It s the peace of mind that you deserve. Key benefits at a glance Get 100% upfront lump sum payout of up to $200,000 for any one of the covered Critical Illnesses 1 at the early, intermediate or severe stage Get Special Benefit - an additional payout of 20% of the Critical Illness Benefit sum assured for selected medical conditions 8 without compromising the Critical Illness Benefit or Death Benefit Claim up to 6 times for different medical conditions covered under Special Benefit 8 Receive coverage up to age 99 9 Death Benefit of $5, Premium rates remain the same throughout the policy term 11

5 Coverage Payout in lump sum If Sum Assured is $200,000 Special Benefit for 18 Medical Conditions Early / Intermediate / Severe stage for 51 Critical Illnesses 20% of Sum Assured (capped at $25,000) + $25,000* 100% Sum Assured $200,000 Total Coverage: $225, *Special Benefit allows claim up to 6X for different conditions

6 Be financially prepared for these Critical Illnesses Cancer and carcinoma in-situ 2. Heart Attack of Specified Severity* 3. Cardiomyopathy 4. Specified Surgical Procedures of the Cardiovascular System 5. Stroke* 6. Specified Surgical Procedures of Central Nervous System 7. Coronary Artery By-pass Surgery and other specified cardiac procedures 8. Nephrectomy 9. Kidney Failure or Chronic Kidney Disease 10. Aplastic Anaemia* 11. Reversible Aplastic Anaemia 12. Blindness (Loss of Sight) 13. Severe Asthma 14. Surgical Removal of One Lung 15. End Stage Lung Disease* 16. End Stage Liver Failure* 17. Liver surgery 18. Liver Cirrhosis 19. Coma 20. Severe Epilepsy 21. Deafness (Loss of Hearing)* 22. Partial loss of hearing 23. Cochlear implant Surgery 24. Heart Valve Surgery 25. Loss of Speech* 26. Loss of Speech due to neurological disease 27. Major & Mild Burns 28. Major Organ / Bone Marrow Transplantation 29. Multiple Sclerosis 30. Muscular Dystrophy 31. Viral Encephalitis 32. Parkinson s Disease 33. Surgery to Aorta 34. Alzheimer s Disease / Dementia 35. Motor Neurone Disease 36. Pulmonary Hypertension 37. HIV due to Blood Transfusion, Assault, Organ Transplant & Occupationally Acquired HIV 38. Benign Brain Tumor* 39. Bacterial Meningitis 40. Facial Re-constructive Surgery 41. Spinal Cord Injury 42. Major Head Trauma* 43. Systemic Lupus Erythematosus with Lupus Nephritis* 44. Paralysis (Loss of Use of Limbs)* 45. Terminal Illness* 46. Progressive Scleroderma 47. Apallic Syndrome* 48. Other Serious Coronary Artery Disease* 49. Poliomyelitis* 50. Loss of Independent Existence* 51. Fulminant Viral Hepatitis * Severe-stage Critical Illnesses (Version 2014) as defined by the Life Insurance Association Singapore (LIA). Please refer to the LIA website ( for more information. The definitions of the Critical Illnesses are available in the Product Summary.

7 Special Benefit 14 under My Early Critical Illness Plan In addition to the Critical Illness Benefit, My Early Critical Illness Plan includes Special Benefit 14 to protect you against other medical conditions. Special Benefit 14 can be claimed up to six times without reducing your Critical Illness Benefit or Death Benefit. Here s the list of medical conditions covered under Special Benefit Diabetic Complications 2. Angioplasty & Other Invasive Treatment for Coronary Artery 3. Osteoporosis with Fractures 4. Severe Rheumatoid Arthritis 5. Mastectomy 6. Chronic Adrenal Insufficiency (Addison s Disease) 7. Chronic Relapsing Pancreatitis 8. Hysterectomy due to Cancer 9. Dengue Haemorrhagic Fever 10. Wilson s Disease 11. Severe Juvenile Rheumatoid Arthritis (Stills Disease) 12. Severe Haemophilia 13. Rheumatic Fever with Valvular Impairment 14. Osteogenesis Imperfecta 15. Insulin Dependent Diabetes Mellitus 16. Kawasaki Disease 17. Glomerulonephritis with Nephrotic Syndrome 18. Type I Juvenile Spinal Amyotrophy The coverage of the above conditions (1) to (10) will be up to a maximum age of 85. The coverage of the above conditions (11) to (18) will be up to a maximum age of 18.

8 How does My Early Critical Illness Plan work? John Chan is 35 years old, married and working as an IT analyst in Singapore. Having recently welcomed his second child, John started to think about his future and what would happen to him, and his family, if he were to fall seriously ill. Given the rising medical costs as well as the growing number of critical illness cases in Singapore, John decided to get My Early Critical Illness Plan to protect him and his family. He receives $25,000 as a Special Benefit payout under My Early Critical Illness Plan. He receives a lump sum payout of $200,000 and his policy will end after he receives the lump sum payout. Age 35 Age 45 Age 50 John decides to protect himself with My Early Critical Illness Plan at a Sum Assured of $200,000 for $ per month. He suffers from Diabetic Complications He is diagnosed with Prostate Cancer

9 Want to know how this could apply to you? Speak with your Financial Adviser or visit to find out more.

10 Footnotes 1 Please refer to Product Summary for the complete list of covered Critical Illnesses at the early, intermediate or severe stage and Special Benefit covered in this plan. Please note that the maximum limit of Sum Assured for early critical illness cover per life is $200,000 in Singapore currency. 2 No benefit shall be payable if Critical Illness or condition is diagnosed within the Waiting Period of 90 days from the Policy Issue Date, the Benefit Commencement Date and the Reinstatement Date of the policy. The Life Assured must survive a period of 7 days after the date of the diagnosis of the Critical Illness or condition for Special Benefit before it is payable. For more details, please refer to the Product Summary. 3 Source: Cancer is the Number 1 Killer in Singapore, Singapore Cancer Statistics, 1 Sep Source: Sharp rise in number diagnosed with cancer, The Straits Times, 21 Jun Source: Trends in stroke in Singapore , Stroke Registry Report no. 4, Ministry of Health final.pdf?sfvrsn=0 6,7 Based on survey findings from Aviva s Consumer Attitudes to Saving, March An additional 20% of the Critical Illness Benefit sum assured (capped at $25,000 per life per condition) is payable to the Life Assured if he or she is diagnosed with any of the conditions listed. Each condition can only be paid once and up to a maximum of 6 claims for different conditions stated under the Special Benefit covered conditions. 9 Policy Term is from 10 years and up to 99 age next birthday (ANB). 10 Death Benefit of $5,000 will be paid in the respective contract currency. Please refer to Product Summary for details. 11 Premium rates are level and non-guaranteed. Aviva reserve the right to revise the rate based on future experiences. 12 Coverage of $225,000 consists of the Critical Illness Benefit and one-time claim for Special Benefit capped at $25, Please refer to Product Summary for more details of the critical illnesses covered under Critical Illness Benefit.

11 14 Please refer to Product Summary for more details of the conditions covered under Special Benefit. 15 Based on monthly rate for sum assured of $200,000 for a 30-year policy term, male, non-smoker, 35 age next birthday (ANB), residing in Singapore. All values illustrated are in Singapore currency. Important Notes The policy is underwritten by Aviva Ltd. This brochure is published for general information only and does not have regard to the specific investment objectives, financial situation and the particular needs of any specific person. A copy of the Product Summary may be obtained from Aviva Ltd and the participating distributor s offices. You should read the Product Summary before deciding whether to purchase the policy. You may wish to seek advice from a financial adviser, before making a commitment to purchase the product. In the event that you choose not to seek advice from a financial adviser, you should consider whether the product in question is suitable for you. This brochure is not a contract of insurance. Full details of the standard terms and conditions of this plan can be found in the relevant policy contract. Buying a life insurance product, including a direct purchase product, is a long-term commitment. An early termination of the policy usually involves high costs and the surrender value payable, if any, may be less than the total premiums paid. Buying health insurance products that are not suitable for you may impact your ability to finance your future healthcare needs. This is not a contact of insurance. Full details of the standard terms and conditions of the plan can be found in the relevant policy contract. Information is accurate as at Oct This policy is protected under the Policy Owners Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact us or the Life Insurance Association Singapore or SDIC website ( or

12 Aviva Ltd 4 Shenton Way #01-01, SGX Centre 2, Singapore Tel: Company Reg. No.: K GST Reg. No.: MR Aviva_My EarlyCriticalIllness_A5_v1.0_Oct2015

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