- Overview
- Benefits
- Terms & Conditions
Benefits
Frequently Asked Questions
A-Plus Critical Recovery is a recovery-focused critical illness insurance plan that provides ongoing income support and access to medical guidance throughout your recovery journey, helping you focus on what matters most, getting better.
A‑Plus Critical Recovery combines ongoing income support with professional medical guidance, helping you navigate recovery with greater confidence.
Key benefits:
- 5 years of annual income support -
Receive annual income support for 5 years if you are diagnosed with a covered condition that affects your ability to live independently or return to your normal daily activities.
- Personal Medical Case Management (PMCM) -
Access medical guidance, remote medical consultations, specialist opinions, and support in understanding treatment options and reaching the right diagnosis.
- Flexible use of payouts -
Use the annual income support however you need, including daily living expenses, recovery-related costs, caregiver support, or other financial commitments.
Personal Medical Case Management (PMCM) is a value-added service provided by AIA through Teladoc Health that offers end-to-end support throughout your medical and recovery journey.
PMCM helps you:
- Better understand your medical condition
- Review your diagnosis and treatment options
- Access medical opinions and specialist recommendations
- Explore suitable treatment options
- Receive ongoing medical guidance and support
Through PMCM, you gain access to global medical expertise to help you make informed decisions about your care and recovery.
Recovering from a serious illness can take months or even years, and the impact often extends beyond hospital treatment.
Recovery protection helps provide ongoing financial support during this period, helping to cover:
- Daily living expenses
- Recovery and rehabilitation costs
- Income interruption
- Additional care and support needs
With the right protection in place, you can focus on your recovery while managing your financial commitments with greater confidence.
A-Plus Critical Recovery provides 5 years of annual income support if you are diagnosed with a covered critical illness that may affect your ability to live independently or return to your normal daily activities. This helps ease financial pressure and provides greater peace of mind during recovery and rehabilitation. The covered critical illnesses are:
- Alzheimer’s Disease / Severe Dementia;
- Parkinson’s Disease;
- Motor Neuron Disease;
- Muscular Dystrophy;
- Severe Rheumatoid Arthritis;
- Major Head Trauma;
- Loss of Independent Existence; or
- Total and Permanent Disability (TPD)
Like most insurance plans, A-Plus Critical Recovery includes certain exclusions that are not covered under the policy. These may include pre-existing conditions, illnesses diagnosed during the waiting period, or conditions specifically excluded in the policy contract. You are encouraged to read the exclusions section carefully to avoid misunderstandings during the claims process.
Yes, like most critical illness insurance plans, A‑Plus Critical Recovery includes a waiting period.
This means you will need to wait for a specified period after the policy starts before you can make a claim for certain conditions (subject to policy terms).
It’s important to check the waiting period terms carefully to better understand when the coverage becomes eligible.
Most critical illness plans provide a lump sum payout upon diagnosis of a covered critical illness. While A‑Plus Critical Recovery adds an extra layer of support during the recovery phase through long-term income support and medical guidance.
A‑Plus Critical Recovery is designed to complement plans such as A‑Plus Critical Multi and A‑Plus Critical Assure by providing ongoing support during recovery through long-term income support and medical guidance.
This can be particularly valuable for selected serious medical conditions that may affect your ability to live independently, return to your normal daily activities, or require a prolonged recovery period.
Together, these plans can provide more comprehensive critical illness protection, from diagnosis and treatment to recovery and rehabilitation.
A critical illness is a serious medical condition that can significantly impact your health, lifestyle, and finances. Common examples include cancer, heart attack, and stroke.
Treatment and recovery may require ongoing medical care, rehabilitation, and time away from work, which can create additional financial challenges.
A medical plan and critical illness insurance serve different purposes and work best together.
A medical plan helps cover hospital and treatment costs, while critical illness insurance provides a cash payout if you're diagnosed with a covered critical illness.
The payout can help cover:
- Loss of income
- Daily living expenses
- Loan repayments
- Recovery and rehabilitation costs
Having both plans can provide more complete financial protection.
A serious illness can affect your ability to work while your financial commitments continue.
Critical illness insurance provides a cash payout upon diagnosis, which can help you:
- Replace lost income
- Manage daily expenses
- Pay ongoing financial commitments
- Cover recovery-related costs
This can help reduce financial stress and give you a peace of mind during recovery.
Terms & Conditions
- The information above is not exhaustive. It is recommended that you request for a copy of the Product / Sales Illustration, Product Disclosure Sheet and Fund Fact Sheet (if applicable) to know more about this product. For a detailed explanation of its benefits, exclusions, terms and conditions, please refer to the policy contract.
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