This is what he does to pay for his father s cancer

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1 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

2 01 PROTECTION AIA COMPLETE CRITICAL COVER Every day in Singapore, 32 people are diagnosed with cancer * 1 in 3 Singaporeans does not have critical illness cover ** * Source: Singapore Cancer Registry, Interim Annual Registry Report, Trends in Cancer Incidence in Singapore, ** Source: AIA Singapore Health Matters Survey (with adults aged 40-70) conducted by Nielsen in March 2014

3 AIA COMPLETE CRITICAL COVER PROTECTION 02 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

4 03 PROTECTION AIA COMPLETE CRITICAL COVER Critical illness plans I m concerned about the cost associated with a major illness, like Cancer. Hospital income, or hospital cash plans I m concerned about loss of income or expenses not covered by my basic medical plan. Disability income plans I m concerned about loss of income for 3 months or more due to disability through accidents or illness Medical or hospital expense plans I m concerned about paying for medical expenses if I am hospitalised. Personal accident plans I m concerned about medical bills and loss of income if I am injured in an accident.

5 AIA COMPLETE CRITICAL COVER PROTECTION 04 Many eventualities, one solution- AIA Complete Critical Cover Life is unpredictable, especially when it comes to illnesses 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 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.

6 05 PROTECTION AIA COMPLETE CRITICAL COVER Benefits of this plan Comprehensive protection for your peace of mind AIA Covers You 200% Catastrophic Critical Illness Up to 200% payout Major Cancer Relapse Up to 50% payout Your Insured Amount 100% Major Critical Illness Up to 100% payout Early Critical Illness Up to 50% payout ± Early payouts so you can seek prompt treatment 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. Immediate payouts of 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). LEVEL PREMIUMS +

7 AIA COMPLETE CRITICAL COVER PROTECTION 06 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 of 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 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). AIA Complete Critical Cover does more than protect. It keeps you healthy too. Getting protection comes with a cost. But with AIA Vitality, you can enjoy up to 15% # savings on your AIA Complete Critical Cover (S$) premiums as you get healthier, giving you more motivation to maintain a healthy lifestyle. That s why our plans do more than protect you financially. They keep you healthy too. So, let s partner you on this journey to better health. Visit

8 07 PROTECTION AIA COMPLETE CRITICAL COVER Benefits at a glance Severity Level Critical Illness Group Critical Illness Category Early Critical Illness Benefit Level (% of Insured Amount) Major Critical Illness Benefit Level (% of Insured Amount) Catastrophic Critical Illness Benefit Level (% of Insured Amount) Group 1 Cancer 1 50% 100% 200% HIV due to Blood Transfusion and Occupationally Acquired HIV 100% Aplastic Anaemia 100% Major Organ Transplant (Bone Marrow/Pancreas) 100% Group 2 Stroke 50% 100% 200% Heart Attack 2 50% 100% 200% Coronary Artery Surgery 3 25% or 50% 100% Other Serious Coronary Artery Disease 1 50% 100% Kidney Failure 4 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% Primary 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%

9 AIA COMPLETE CRITICAL COVER PROTECTION 08 Severity Level Critical Illness Group Critical Illness Category Early Critical Illness Benefit Level (% of Insured Amount) Major Critical Illness Benefit Level (% of Insured Amount) Catastrophic Critical Illness Benefit Level (% of Insured 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% Viral 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 in relation to amputation of 1 foot due to diabetes complications is subject to the lower of 25% of insured amount or up to $25,000 per insured.

10 09 PROTECTION AIA COMPLETE CRITICAL COVER 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 200% Age 62: Catastrophic Critical Illness Heart Attack Group 2 (200% x S$100,000) - S$100,000 = S$100,000 Your Insured Amount 100% Age 45: Early Critical Illness Heart Attack Group 2 50% x S$100,000 = S$50,000 Age 37: Early Critical Illness Prostate Cancer Group 1 50% x S$100,000 = S$50,000 Premium Waived 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

11 AIA COMPLETE CRITICAL COVER PROTECTION 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. AIA Covers You 200% Policy Remains In-force Remaining Critical Illness Benefit: (200% x S$100,000) - S$150,000 = S$50,000 Age 58: Major Cancer Relapse Cervix Uteri Cancer Group 1 50% x S$100,000 = S$50,000 Your Insured Amount 100% Age 49: Major Critical Illness Cervix Uteri Cancer Group 1 (100% x S$100,000) - S$50,000 = S$50,000 Age 38: Early Critical Illness Cancer-Carcinoma-In-Situ of breast Group 1 50% x S$100,000 = S$50,000 Premium Waived 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

12 11 PROTECTION AIA COMPLETE CRITICAL COVER 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 or Insurance Representative. You may also visit our website at aia.com.sg or call our AIA Customer Care Hotline at 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.

13 AIA COMPLETE CRITICAL COVER PROTECTION 12 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, Coronary Artery Surgery or other Serious Coronary Artery Disease or for Diabetic Nephropathy under Early Critical Illness of Kidney Failure, Diabetic Retinopathy 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).

14 13 PROTECTION AIA COMPLETE CRITICAL COVER ± 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 75 th 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. # Premium discount is only applicable to premiums based on a standard life. It is not applicable to any extra premiums due to loading. Discount applicable from the second policy year onwards will depend on the AIA Vitality Status attained. The discount is capped at 15%. Important Notes: This insurance plan is underwritten by AIA Singapore Private Limited (Reg. No R) ( 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 your policy may not be paid out, are specified in the policy contract. You are advised to read the policy contract. Buying a life insurance policy can be 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 is correct as at 2 January 2015.

15 About AIA AIA Group Limited and its subsidiaries (collectively AIA or the Group ) comprise the largest independent publicly listed pan-asian life insurance group. It has operations in 17 markets in Asia-Pacific wholly-owned branches and subsidiaries in Hong Kong, Thailand, Singapore, Malaysia, China, Korea, the Philippines, Australia, Indonesia, Taiwan, Vietnam, New Zealand, Macau, Brunei, a 97 per cent subsidiary in Sri Lanka, a 26 per cent joint venture in India and a representative office in Myanmar. 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$159 billion as of 31 May AIA meets the long-term savings and protection needs of individuals by offering a range of products and services including life insurance, accident and health insurance and savings plans. The Group also provides employee benefits, credit life and pension services to corporate clients. Through an extensive network of agents, partners and employees across Asia-Pacific, AIA serves the holders of more than 28 million individual policies and over 16 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 ).

16 AIA Singapore Private Limited (Reg. No R) 1 Robinson Road, AIA Tower, Singapore Monday - Friday 8.45am pm AIA Customer Care Hotline: aia.com.sg SGPD TM (04/ / /2015)

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