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1 PROTECTION AIA PRIME CRITICAL COVER When it s hard to get the help you need, we ll make it easy. AIA Prime Critical Cover gives you easy access to critical illness protection with coverage up to age 100. aia.com.sg

2 01 PROTECTION AIA PRIME CRITICAL COVER 1 in 3 Singaporeans does not have critical illness cover* 1 in 3 will need to downgrade their standard of living should critical illness strike them in the future* * Source: AIA Singapore Health Matters Survey (with adults aged 40-70) conducted by Nielsen in March 2014

3 AIA PRIME CRITICAL COVER PROTECTION 02 69% of Singaporeans have at least 1 health condition* By 2050, Singapore s diabetic population will reach 1 million + + Source: How to keep patients healthy and hospital-free, AsiaOne, 9 February 2014

4 03 PROTECTION AIA PRIME CRITICAL COVER AIA Prime Critical Cover gives you protection during the years when you need it the most. Medical advances have helped Singaporeans enjoy a longer lifespan. However, while Singaporeans are living longer, they are spending more of their later years in poor health 1. We understand that even as you celebrate your longevity, the worry of taking ill becomes greater. Your risk of contracting age-related illnesses increases with each passing year. Getting insurance coverage in your later years can be difficult, with expensive premiums, the hassle of numerous medical checkups, or if you have a pre-existing condition. AIA Prime Critical Cover is designed to provide adults aged 40 to 70 years long-term and comprehensive protection against 40 conditions, up to age 100. Because getting protected should be easy, even as the years go on.

5 AIA PRIME CRITICAL COVER PROTECTION 04 Benefits of AIA Prime Critical Cover Easier Access Easier Access to Protection We have reduced the need for complicated medical examinations at the point of application so you can enjoy easier access to wider critical illness coverage at an affordable premium. Coverage up to age 100 Guaranteed Critical Illness Coverage up to Age 100 AIA Prime Critical Cover offers you critical illness coverage up to age 100, with additional 50% coverage during your later years. Receive 100% of the insured amount when you are diagnosed with a critical illness Receive additional 50% of the insured amount when the diagnosis occurs after age 85 2

6 05 PROTECTION AIA PRIME CRITICAL COVER Early Payouts Receive Early Payouts for 7 Conditions Early treatment ensures that you can properly treat and manage your condition to maximise your chances of recovery. We have included a Special Condition Benefit that offers early payouts, up to age 100. You can make a one-time claim for each of the following special conditions. Your insured amount and premium will be reduced accordingly after each payout. Special Condition Benefit 1. Angioplasty & Other Invasive Treatment for Coronary Artery 2. Carcinoma in situ of specified organs 3. Cardiac defibrillator insertion 4. Cardiac pacemaker insertion 5. Early Parkinson s Disease 6. Moderately Severe Alzheimer s Disease Diagnosed before age % of insured amount Up to S$25,000 10% of insured amount Up to S$150,000 Diagnosed after age % of insured amount Up to S$25,000 15% of insured amount Up to S$150, Osteoporosis 10% of insured amount Up to S$25,000 m 15% of insured amount Up to S$25,000 Health Screenings Benefit Protection does not stop at getting sufficient coverage. Keeping check of your health regularly is equally critical to ensure that you re able to detect and treat any illness early. That is why we offer you reimbursements of up to S$250 for your health screening expenses once every 3 years, from the 4 th policy year onwards.

7 AIA PRIME CRITICAL COVER PROTECTION 06 Example Albert Lee is a 45-year-old manager with 2 young children. He is worried about contracting age-related illnesses and wants to increase his critical illness coverage. He takes up an AIA Prime Critical Cover plan for an insured amount of S$150,000. Albert goes for his first health screening at age 49 & subsequently once every 3 years Albert is diagnosed with coronary artery disease and underwent angioplasty Albert is diagnosed with Moderately Severe Alzheimer s disease His Alzheimer s disease reaches a critical stage Age 45 Age 49 Age 55 Age 86 Age 88 1st payout under Special Condition Benefit: S$15,000 (10% of S$150,000) 2nd payout under Special Condition Benefit: S$20,250 (15% of S$135,000) Final payout: S$182,250 (150% of S$121,500) His insured amount is reduced to: S$135,000 His insured amount is reduced to: S$121,500^ His plan terminates after this payout Albert s premium is adjusted based on the reduced insured amount Total payout Albert received from AIA: S$217,500 ^ Insured amount is reduced by 10% or the payout amount, whichever is lower

8 07 PROTECTION AIA PRIME CRITICAL COVER List of Critical Illnesses No. Critical Illness 1. Alzheimer s Disease / Severe Dementia 2. Aplastic Anaemia 3. Bacterial Meningitis 4. Benign Brain Tumour 5. Blindness (Loss of Sight) 6. Coma 7. Coronary Artery By-pass Surgery 8. Deafness (Loss of Hearing) 9. Encephalitis 10. End Stage Liver Disease 11. End Stage Lung Disease 12. Fulminant Hepatitis 13. Heart Attack 14. Heart Valve Surgery 15. HIV Due to Blood Transfusion and Occupationally Acquired HIV 16. Kidney Failure 17. Loss of Speech 18. Major Burns 19. Major Cancers 20. Major Head Trauma 21. Major Organ / Bone Marrow Transplantation 22. Motor Neurone Disease 23. Multiple Sclerosis 24. Muscular Dystrophy 25. Other Serious Coronary Artery Disease 26. Paralysis (Loss of Use of Limbs) 27. Parkinson s Disease 28. Primary Pulmonary Hypertension 29. Stroke 30. Surgery to Aorta 31. Progressive Scleroderma 32. Systemic Lupus Erythematosus 33. Terminal Illness

9 AIA PRIME CRITICAL COVER PROTECTION 08 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. You may also visit our website at aia.com.sg or contact our AIA Customer Care Hotline at Q1. Am I eligible to apply for AIA Prime Critical Cover? You can apply for AIA Prime Critical Cover if you are aged between 40 years old and 70 years old. Q2. Are my premiums guaranteed? Your premiums are not guaranteed. We may revise the premiums but we will not do so on an individual basis. Q3. Does AIA Prime Critical Cover pay a death benefit? Yes, your family will receive 5% of the insured amount to defray immediate expenses in the event of your passing, while the policy is in force. Q4. Is there a waiting period before I can make a claim? Yes, no benefit will be payable for the following conditions if the date of diagnosis or date of surgery falls within 90 days from the date of issue or date of reinstatement of the policy, whichever is later. Angioplasty & other invasive treatment for coronary artery surgery Carcinoma in situ of specified organs Cardiac defibrillator insertion Cardiac pacemaker insertion Coronary artery by-pass surgery Heart attack Major cancers Other serious coronary artery disease Q5. Is there a survival period before I can make a claim? The Insured must be alive after 7 days following the diagnosis of a critical illness or performance of a surgery. This is not applicable to Special Condition Benefit.

10 09 PROTECTION AIA PRIME CRITICAL COVER Q6. What conditions are not covered by AIA Prime Critical Cover? The following are some of the exclusions. For the full list of exclusions, please refer to the product summary. Diagnosis of Fulminant Hepatitis or major cancers directly or indirectly due to an Acquired Immunodeficiency Syndrome (AIDS) or infection by any Human Immunodeficiency Virus (HIV). Diagnosis of a critical illness/special condition before the age of six, which is directly or indirectly caused by a birth defect. Pre-existing conditions (unless the condition is declared and accepted by AIA). Q7. Can I change my mind and cancel the policy after I ve purchased it? Yes, you can. You may cancel your policy by writing to us within 14 days from the date you receive your policy document and receive a refund of your premiums paid (less any medical expenses incurred). 1 Source: Singaporean Living Longer in Good Health - and Bad, The Straits Times, 19 December Refers to policy anniversary on or after the 85 th birthday 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 in this brochure is correct as at 10 April 2014.

11 AIA PRIME CRITICAL COVER PROTECTION 10 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$147 billion as of 30 November AIA meets the savings and protection needs of individuals by offering a range of products and services including life insurance, accidental 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 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 ).

12 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

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