AIA Absolute Critical Cover (ASCC)
Product Review
4.0
Introduction
AIA Absolute Critical Cover (ASCC) is a standalone multi-pay critical illness term plan that provides multiple payouts of up to 5 times against critical illness arising from different stages of severity. The plan covers 73 different critical illness groups.
How it Benefits you?

Coverage and Benefits

  • Policy term options with coverage to Age 65/75/100
  • Death benefit: 5% of insured amount or surrender value (if any)

  • Covers 73 different Critical illness group and 25 different special benefits conditions

  • Multi payout feature for critical illness up to 5 times,  with one year waiting period between each CI claim

Coverage and Benefits

  • Pre-early Benefit: Pays 10% of sum assured for Benign Tumour and Borderline Malignant Tumour benefit
  • Chronic Disease benefit: Pays 10% of sum assured if insured is diagnosed with Chronic Disease Condition
  • Senior Silver Benefit: Pays 10% of sum assured if insured is suffering from a Senior Silver Condition
  • Senior Silver Benefit: Pays 10% of sum assured if insured is suffering from a Senior Silver Condition

  • Surrender benefit: Cash value available at age 75 for AIA ASCC (coverage till age 100)

 
What we like about the plan?

1. Surrender benefit available at 75th birthday or 60th policy anniversary if policy term selected is coverage till 100.

 

2. Covered Chronic Disease conditions:
1) Thyroid disorders
2) Severe presbycusis (Age related hearing loss)
3) Varicose veins requiring surgery
4) Severe Obstructive or Mixed Sleep Apnoea
5) Age related macular degeneration with visual impairment 
6) Psoriatic arthritis
7) Severe Hypertension

 

Covered Senior Silver Conditions:
1) Benign prostatic hyperplasia requiring surgery
2) Glaucoma requiring surgery
3) Urinary incontinence requiring surgical repair

 

Case Studies

Source : AIA

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