AIA Ultimate Critical Cover (UCC) has the first and only in Singapore, 100% coverage reset option for a standalone critical illness coverage plan.

Terms and Conditions as follows:

1. Unlimited claims apply to major stage of critical illnesses. Only one claim is payable for each stage of a critical illness. The total amounts payable for all stages of a critical illness shall not exceed 100% of the coverage amount. Maximum claim limit of 500% of coverage amount applies to early and intermediate stage of critical illnesses.
2. The current coverage amount will be reset to 100% of the coverage amount if the UCC policy is in force 12months after the last critical illness claim.
3. Applicable for early and intermediate stage critical illnesses covered by UCC policy. The total amounts payable for the early and intermediate stage of the same critical illness shall not exceed S$350,000 per life combined across all the UCC policies covering the same insured.
4. The AIA Ultimate Critical Care policy will terminate after the death benefit or accidental death benefit is paid out.
5. Two-year waiting period applies. AIA will only admit a claim for Ultimate Relapse Critical Illness Condition if AIA has previously paid 100% of the coverage amount under the Critical Illness Benefit for any stage of the same critical illness.
6. Catastrophic Critical Illness Benefit is payable once and terminates thereafter. 
7. The AIA Vitality 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%.