Summary of Product Version 1.

Group Term Life & Total Permanent Disability and Group Accelerated Critical Illness

Benefits Table
* Optional plans for upgrading from basic plan only

LIFE OPTION ─ Sum Assured (S$)

Group Term Life and Total and Permanent
Disability Plan 1 Plan 2 Plan 3 Plan 4* Plan 5*
 Provides lump sum payment of the sum
assured upon death due to any cause,
including illness and accident
 Provides Total and Permanent Disability1
coverage due to an illness or accident prior
to the Insured Member’s 65th birthday
 Provides advance payment of death benefit
upon diagnosis of a Terminal Illness (an
illness which is highly likely to lead to death 50,000 80,000 120,000 250,000 500,000
within 12 months)
 Covers dismemberment involving the loss of
two or more limbs by amputation, or loss of
sight of both eyes, due to an illness or
accident
 24-hour worldwide coverage2

Optional Cover for - Group Term Life and Total and Permanent Disability - Group Accelerated Critical
Illness3
 Provides lump sum payment of the sum
assured for any of the covered 37 critical
illnesses. Please refer to the policy contract
for the definition of critical illness
 Upon payout of this benefit, the Group 25,000 40,000 60,000 125,000 250,000
Accelerated Critical Illness benefit will cease
 24-hour worldwide coverage²

1
Total and Permanent Disability means the Insured Member is unable to engage in any gainful employment or
occupation for the rest of his life, and such disability or paralysis has continued uninterrupted for at least 90
consecutive days.

2
Excluding Iran, North Korea, Libya, South Sudan, Congo, Yemen, Sudan, Somalia, Eritrea, Cuba, Central
African Republic, Syria, Lebanon, Iraq, Cote D’Ivoire (Ivory Coast), Vanuatu, Uganda, Western Balkans (Western
Balkans include Albania and the former Yugoslavia, which is made up of Bosnia and Herzegovina, Croatia,
Macedonia, Montenegro and Serbia) and Ethiopia. Please note that the list of countries is subject to change.
Please contact your AIA Financial Services Consultant or Insurance Representative for the most updated list.

3
All conditions covered under the Group Accelerated Critical Illness benefit are subject to a waiting period.
The waiting period refers to the period whereby no benefit will be payable under the plan if the date of
diagnosis of an illness or condition leading to the performance of the surgical procedure was made within 30
days from the date of issue or date of reinstatement, whichever is later. However, the following critical
illnesses are subject to a 90-day waiting period:
· Major Cancers;
· Coronary Artery By-pass Surgery;
· Heart Attack; and
· Angioplasty & Other Invasive Treatment for Coronary Artery

The plan will pay out the insured amount upon diagnosis of any of the 37 covered critical illnesses prior to age
69. However, for Angioplasty & Other Invasive Treatment for Coronary Artery, a Limited Advance Payment
benefit equal to 10% of the insured amount, subject to a maximum amount of S$25,000 will be payable. The
Limited Advance Payment benefit is payable once only. After such a payment, the insured amount will be
reduced by the benefit paid.
 The 37 covered Critical Illnesses are:

1 Major Cancers 20 Fulminant Hepatitis

2 Heart Attack of Specified Severity 21 Motor Neurone Disease
3 Stroke 22 Primary Pulmonary Hypertension
4 Coronary Artery By-pass Surgery 23 HIV Due to Blood Transfusion and
Occupationally Acquired HIV
5 Kidney Failure 24 Benign Brain Tumour
6 Aplastic Anaemia 25 Viral Encephalitis
7 End Stage Lung Disease 26 Bacterial Meningitis
8 End Stage Liver Failure 27 Angioplasty & Other Invasive Treatment
For Coronary Artery
9 Coma 28 Blindness (Loss of Sight)
10 Deafness (Loss of Hearing) 29 Major Head Trauma
11 Heart Valve Surgery 30 Paralysis (Loss of Use of Limbs)
12 Loss of Speech 31 Terminal Illness
13 Major Burns 32 Progressive Scleroderma
14 Major Organ / Bone Marrow 33 Apallic Syndrome
Transplantation
15 Multiple Sclerosis 34 Systemic Lupus Erythematosus with Lupus
Nephritis
16 Muscular Dystrophy 35 Other Serious Coronary Artery Disease
17 Parkinson’s Disease 36 Poliomyelitis
18 Surgery to Aorta 37 Loss of Independent Existence
19 Alzheimer’s Disease / Severe Dementia

Main Exclusions (please refer to the policy contract for the full list of exclusions)

Group Term Life and Total and Permanent Disability

 No benefit shall be payable for any loss or disability caused by pre-existing conditions which have existed
during the 12 months preceding the entry date of the Insured Member, whether known or unknown to
the Insured Member in so far as the cause and pathology of the conditions have already existed unless the
Insured Member affected by these conditions has been insured under the policy continuously for 12
months.
 No benefit shall be payable for suicide unless the Insured Member has been insured under the policy for
12 months.

Group Accelerated Critical Illness

 No benefit is payable if any Critical Illness was diagnosed due, directly or indirectly to a congenital defect
or disease which has manifested or was diagnosed before the Insured Member attains 17 years of age.
 No benefit is payable for Coronary Artery Surgery and/or Other Serious Coronary Artery Disease if the
Insured Member had a diagnosis of “heart attack” prior to the effective date of his coverage.
 No benefit is payable for any Critical Illness which, as it can be established, was diagnosed prior to the
effective date of coverage of the respective Insured Member.
 No benefit is payable for any Critical Illness if it can be established that the Insured Member sought
advice or treatment for symptoms which, in the opinion of AIA, had contributed directly or indirectly to
the Critical Illness prior to the effective date of coverage of the respective Insured Member.
OPTION COVER 1
Group Accidental Death & Dismemberment
Plan 1 Plan 2 Plan 3 Plan 4* Plan 5*
Pays 100% of the sum assured in the event of Death (S$) (S$) (S$) (S$) (S$)
or Permanent Dismemberment due to an accident 50,000 80,000 120,000 250,000 500,000
* Optional plans for upgrading from basic plan only.

Main Exclusion (please refer to the policy contract for the full list of exclusions)

Group Accidental Death & Dismemberment

 Self-destruction or any attempt threat, while sane or insane.
Group Hospital and Surgical

MEDICAL OPTION
Plan 1 Plan 2 Plan 3 Plan 4a**
(S$) (S$) (S$) Plan 4*(S$) (S$)
Group Hospitalisation & Surgical Benefits apply on a per disability basis unless otherwise stated, for
(GHS) each Insured Member.

4-bedded
4-bedded 2-bedded Single Room in
1a. Daily Room & Board Benefit
Room in Room in Room in Government 200 per
Room and Board charges (maximum
Private Private Private & day
120 days).
Hospital Hospital Hospital Restructured
Hospital
1b. Intensive Care Unit (ICU) Benefit
ICU charges, up to maximum limit as 600 per
10,000 10,000 10,000
stated in the policy contract or up to 30 day
days, whichever is earlier.
2. Other Hospital Services Benefit
(including implants)
Expenses excluding accommodation, 6,000
surgeon and in-hospital doctor's
attendance fee.
3. Surgical Benefit
Surgeon's fee of more than S$1,500 is 15,000 per
subject to Surgical Schedule for Policy Year
admission in private hospitals. Waiver of subject to 4-
Surgical Schedule for admission in bedded
Singapore Government and Room in a 7,000
Restructured Hospitals or if referred by Singapore
AIA panel of Specialists. Surgical Government
Schedule will apply if staying at a higher or
ward from the Room and Board Restructured
entitlement. Hospital (S-
4. In-Hospital Doctor’s Consultation Pass and
Benefit 15,000 20,000 25,000 Work Permit
Holder Only) 60
In-hospital doctor's visits during a
Per day
hospital confinement (maximum 120
days).
5. Pre- & Post-Hospitalisation
Specialist Consultation, Diagnostic
X-ray and Laboratory Test Benefit;
Post-Hospitalisation Traditional
1,000
Chinese Medicine (TCM) Treatment
Benefit (with referral)
Expenses incurred 90 days prior to
admission and 90 days after discharge.
6. Emergency Accidental Outpatient
Treatment Benefit
Expenses incurred within 31 days of
accident, provided treatment is sought
N.A. N.A.
within 24 hours of accident (including
Accidental Dental treatment).
7. Accidental Miscarriage Benefit As per benefit limits (item 1 to 6) N.A. N.A.
Includes ectopic pregnancy.

8. Overseas Hospitalisation for

Accident Benefit
When the Insured Member or
dependant sustains an accidental injury
while travelling outside Singapore and
150% of items 1, 2, 3, 4, 5 & 6 N.A. N.A.
requires hospitalisation overseas. This
is only applicable for employees
residing in Singapore and the overseas
trip does not exceed more than 180
days.
9. Natural and Accidental Death
If the Insured Member passes away due 5,000 3,000 3,000
to a natural cause or an accident.
10. Outpatient Kidney Dialysis /
10,000
Cancer Treatment N.A. N.A.
Up to maximum limit per Policy Year.
 11. Rehabilitation Benefit
Up to maximum limit as stated in the 5,000
N.A. N.A.
policy contract or up to 30 31 days,
whichever is earlier.
Extended Major Medical
1. In-Hospital Benefit
Eligible expenses per basic GHS if
a) Hospitalisation is ≥ 20 days; or 40,000 60,000 80,000
b) Surgical Percentage is ≥ 75% per
incision
N.A. N.A.
2. Deductible per claim As per basic GHS

3. Co-insurance by employee 20%

Notes:

*GHS Plan 4 can only be taken up if there is a minimum take-up rate of 3 employees for any of the GHS Plans 1
to 3. If the Insured Member stays in a Ward other than the Room and Board entitlement, the benefits in GHS
Plan 4 will not be applicable. Instead, the Insured Member will be covered under GHS Plan 4a.

**For GHS Plan 4a, sub-limit per Policy Year will apply if the Insured Member goes to a ward other than the
plan entitlement or private hospitals for treatment.

OPTIONAL COVER 1 - Integrated Healthcare Solutions (IHS) Outpatient

Plan 1 Plan 2 Plan 3
Group Outpatient Benefits
(S$) (S$) (S$)
Clinical Outpatient
 Visit to AIA panel of General Practitioner (GP) clinics
Cashless
 Visit to AIA panel of Traditional Chinese Medicine (TCM) clinics
Cashless; up to 6 visits per Policy
(consultation only)
Year
 Visit to government polyclinics
Full reimbursement
 Visit to the A&E Department of Singapore hospitals
100 per visit; up to 2 visits per
Policy Year
 Visit to GP clinics not appointed by AIA 25 per visit
 Visit to overseas General Practitioners 100 per visit4

Specialist Outpatient
 Visit to AIA panel of Specialists
(with referral letter by panel GP, includes coverage for
Physiotherapy treatment at panel Specialist clinics) ─ Cashless 800 per 1,000 per 1,500 per
 Visit to Singapore Government/Restructured Hospitals (with Policy Policy Policy
referral letter by panel GP) ─ On reimbursement basis Year Year Year

 Diagnostic X-ray & Laboratory Test (includes MRI and CT Scan)

o By panel Specialists - Cashless 800 per 1,000 per 1,500 per
o By Singapore Government/Restructured Hospitals – On Policy Policy Policy
reimbursement basis Year Year Year

The Integrated Healthcare Solutions (IHS) Outpatient pays for the clinical outpatient consultation, medical
fees, basic outpatient laboratory tests and plain and contrast X-ray when the Insured Member visits a General
Practitioner under the AIA panel of clinics or polyclinics. The coverage includes:
• Clinical and Specialist outpatient consultation and medication
• Basic diagnostic test, plain X-ray and laboratory test
 Island-wide network of over 300 clinics

4
Benefit payable up to S$100 per visit, excluding clinics in Johor State. For non-panel clinics in Johor State,
benefit payable is up to S$25 per visit.
• Unlimited visits per Policy Year (up to one (1) visit per day) for outpatient panel General Practitioners,
government polyclinics and overseas outpatient treatment only
• Traditional Chinese Medicine clinics – six (6) visits per Policy Year (covers consultation only and excludes
treatment and medicine)

Main Exclusions (please refer to the policy contract for the full list of exclusions)
Group Hospitalisation & Surgical including Extended Major Medical
 Pre-existing conditions which have existed during the 12 months preceding the entry date of the Insured
Member, whether known or unknown to the Insured Member in so far as the cause and pathology of the
conditions have already existed, unless the Insured Member affected by these conditions has been
insured under this policy continuously for 12 months.
 Investigation and treatment of psychological, emotional and mental and behavioural conditions,
alcoholism or drug addiction, intentional self-inflicted injuries while sane or insane, injuries sustained as a
result of a criminal act of the Insured Member or Dependant.
 Any investigation, treatment or surgical operation for congenital anomalies or complications arising from
such congenital anomalies, or physical defects present at and existing from the time of birth regardless of
the time of discovery or the time of such treatment or surgical treatment.
 Acquired Immuno-Deficiency Syndrome (AIDS) or any HIV infection.

Integrated Healthcare Solutions (IHS) Outpatient

 Any expenses incurred in relation to occupational therapy.
 Any expenses incurred in relation to mental or psychiatric cases.
 Any expenses incurred in relation to illness or disablement arising from attempted suicide, any unlawful
act or misuse of drugs.
 Any surcharge incurred due to visits outside the normal operating hours of the clinic.
OPTIONAL COVER 2 – GROUP DENTAL (DENTAL PPO-PLUS)
SCHEDULE OF ALLOWANCES
AIA Panel of
Non-AIA Panel of Dental
GROUP DENTAL (DENTAL PPO-PLUS) Dental
Clinics (S$)
Clinics
EXAMINATION
Dental Check-up 15 per visit

X-RAY
Intraoral 12
Bitewing 12
Panorex 32

TEST & LABORATORY

Biopsy and examination of tissue 48

PROPHYLAXIS
Routine 40
Complex 60

FILLING (TOOTH – COLOURED MATERIAL OR

AMALGAM) – For Posterior Teeth only
One surface 16
Two surfaces 24
Three or more surfaces 32
Reinforced Pin 9

FILLING (TOOTH-COLOURED MATERIAL) – For Anterior Teeth

and Buccal (one surface) filling of premolars only
One surface Cashless 30
Two surfaces 40
Three surfaces 50

PULPOTOMY
Pulpotomy 40
Pulp Cap 20

ROOT CANAL TREATMENT

Single root canal filing 150
Double roots canal filing 220
Three or more roots canals 350
(X-ray of the tooth involved with the diagnostic wire or wires
in place must accompany claim for payment)

EXTRACTIONS
Routine (simple) – each tooth 30

SURGICAL EXTRACTIONS
Erupted tooth or root 120
Soft tissue impaction 160
Part bony impaction 250
Completely bony impaction 320
 ALVEOPLASTY
Per quadrant, in connection with extractions 30
Per quadrant, not in connection with extractions 42
For a complete Alveoplasty involving more than one quadrant 160

EXCISION OF TUMOUR
Excision of tumour 76

FRACTURE OF JAW
Simple 500
Compound 600
(X-ray of the fracture must accompany claim for payment)

REPAIR OF PROSTHETIC APPLIANCE

Repair of broken, complete or partial denture 20
Repair of denture and replace broken tooth 40
Adding tooth to partial denture to replace extracted tooth 27
Adding tooth to partial denture plus clasp 54

SPACE MAINTAINERS
Fixed band type (uni or bilateral) 135
Removal in acrylic (uni or bilateral) 67

Main Exclusions (please refer to the policy contract for the full list of exclusions)

Group Dental (Dental PPO-PLUS)

No benefit shall be payable under this policy for the following services, products or conditions:
 Charges for any dental procedures which are not included in the Schedule of Allowances
 Any hospital charges.
 Injuries arising directly or indirectly, wholly or partly from war, declared or undeclared, revolution or any
warlike operations.
 GST is not reimbursable

IMPORTANT NOTES

This insurance plan is underwritten by AIA Singapore Private Limited (Reg. No. 201106386R) (“AIA”). All
insurance applications are subject to AIA’s underwriting and acceptance. Submission of an application and
payment of premium does not constitute and should not be construed as acceptance by AIA. AIA reserves the
right to withdraw the plan or reject applications, at any time or for any reason without notice.

This product summary does not form a part of any contract of insurance. It is intended only to be a simplified
description of the product features applicable to this plan and is not exhaustive. The contents of this product
summary may vary from the terms of cover eventually issued. Please refer to the actual policy contract for all
terms and conditions, including exclusions whereby the benefits under your policy may not be paid out. You
are advised to read the policy contract. For the avoidance of doubt, only the terms and conditions as set out in
the policy contract will bind the parties.