My Early Critical Illness PlanBe financially prepared for the expenses that come with critical illness, from day one1

It is never too early to be prepared

We live in a world where good health can’t be taken for granted. Critical illness can happen to anyone, at anytime…

Every day, 36 people in Singapore are diagnosed with cancer2

Cancer cases have jumped by about 17% since 20102

1 in 10 stroke patients in Singapore is under 50 years old3

What are you doing to protect yourself?

With today’s medical advancements, early diagnosis of illness is possible. There’s good evidence that treatment of critical illnesses at the early stages can improve your chances of recovery.

Yet according to our survey,

This means that they’ll be le� to grapple with not only the emotional stress of coping with critical illness but also the financial burden that comes with it.

So, it’s important to ensure that you have the financial freedom to seek the best treatment right from the beginning and not having to worry about the loss of income, mounting debts, other financial priorities such as children’s education fees and your own long-term care expenses.

That’s why having immediate financial payout upon diagnosis of critical illness during the early or intermediate stage could make all the di�erence for you and your loved ones.

of Singaporeans are not confident of their

financial security if diagnosed with a serious illness

such as cancer4.

63% of Singaporeans

don’t have any form of critical illness

protection4.

57%

IntroducingMy Early Critical Illness Plan

There’s nothing more important than your health. From the early and intermediate stages of critical illness5, we’re here to help you manage the financial expenses that come with it – so you can focus on treatment and recovery.

My Early Critical Illness Plan provides you with an upfront, lump sum payout upon diagnosis1 so that you are financially prepared for the expenses that will come. It’s the peace of mind that you deserve.

Key benefits at a glance

• Get 100% upfront lump sum payout of up to $250,000 for any one of the covered Critical Illnesses5 at the early, intermediate or severe stage

• Get Special Benefit - an additional payout of 20% of the Critical Illness Benefit sum assured for selected medical conditions6 without compromising the Critical Illness Benefit or Death Benefit

• Claim up to 6 times for di�erent medical conditions covered under Special Benefit6

• Receive coverage up to age 997

• Death Benefit of $5,0008

• Premium rates remain the same throughout the policy term9

Total Coverage:

Coverage If Sum Assured is $200,000

Payout in lump sum

Special Benefit for 18 Medical Conditions $25,000*20% of Sum Assured

(capped at $25,000)

+Early / Intermediate /

Severe stage for 51 Critical Illnesses

$200,000100% Sum Assured

$225,00010

*Special Benefit allows claim up to

for di�erent conditions

6X

* Severe-stage Critical Illnesses (Version 2014) as defined by the Life Insurance Association Singapore (LIA). Please refer to the LIA website (www.lia.org.sg) for more information. The definitions of the Critical Illnesses are available in the Product Summary.

Be financially prepared for these Critical Illnesses11

1. Cancer and Carcinoma in-situ2. Heart Attack of Specified Severity*3. Cardiomyopathy4. Specified Surgical Procedures of the Cardiovascular System5. Stroke*6. Specified Surgical Procedures of Central Nervous System7. Coronary Artery By-pass Surgery and Other Specified Cardiac Procedures8. Nephrectomy9. Kidney Failure or Chronic Kidney Disease10. Aplastic Anaemia*11. Reversible Aplastic Anaemia and Myelodysplastic Syndrome or Myelofibrosis12. Blindness (Loss of Sight) or Optic Nerve Atrophy with Low Vision13. Severe Asthma14. Surgical Removal of One Lung15. End Stage Lung Disease*16. End Stage Liver Failure*17. Liver Surgery18. Liver Cirrhosis19. Coma20. Severe Epilepsy21. Deafness (Loss of Hearing)*22. Partial Loss of Hearing23. Cochlear Implant Surgery24. Heart Valve Surgery

25. Loss of Speech*26. Loss of Speech due to Neurological Disease and Permanent (or Temporary) Tracheostomy27. Major and Mild Burns28. Major Organ / Bone Marrow Transplantation29. Multiple Sclerosis30. Muscular Dystrophy31. Viral Encephalitis32. Parkinson’s Disease33. Surgery to Aorta34. Alzheimer’s Disease / Dementia35. Motor Neurone Disease36. Pulmonary Hypertension37. HIV due to Blood Transfusion, Assault, Organ Transplant & Occupationally Acquired HIV38. Benign Brain Tumor*39. Bacterial Meningitis40. Facial Re-constructive Surgery41. Cervical Spinal Cord Injury42. Major Head Trauma*43. Systemic Lupus Erythematosus44. Paralysis (Loss of Use of Limbs)*45. Terminal Illness*46. Progressive Scleroderma47. Apallic Syndrome*48. Other Serious Coronary Artery Disease*49. Poliomyelitis*50. Loss of Independent Existence*51. Fulminant Viral Hepatitis

Special Benefit12 under My Early Critical Illness Plan

In addition to the Critical Illness Benefit, My Early Critical Illness Plan includes Special Benefit12 to protect you against other medical conditions.

Special Benefit12 can be claimed up to six times without reducing your Critical Illness Benefit or Death Benefit.

Here’s the list of medical conditions covered under Special Benefit12.

The coverage of the above conditions (1) to (10) will be up to a maximum age of 85.

The coverage of the above conditions (11) to (18) will be up to a maximum age of 18.

1. Diabetic Complications2. Angioplasty & Other Invasive Treatment for Coronary Artery3. Osteoporosis with Fractures4. Severe Rheumatoid Arthritis5. Mastectomy6. Chronic Adrenal Insu�iciency (Addison’s Disease)7. Chronic Relapsing Pancreatitis8. Hysterectomy due to Cancer9. Dengue Haemorrhagic Fever10. Wilson’s Disease

11. Severe Juvenile Rheumatoid Arthritis (Stills Disease)12. Severe Haemophilia13. Rheumatic Fever with Valvular Impairment14. Osteogenesis Imperfecta15. Insulin Dependent Diabetes Mellitus16. Kawasaki Disease17. Glomerulonephritis with Nephrotic Syndrome18. Type I Juvenile Spinal Amyotrophy

How does My Early Critical Illness Plan work?John Chan is 35 years old, married and working as an IT analyst in Singapore. Having recently welcomed his second child, John started to think about his future—and what would happen to him, and his family, if he were to fall seriously ill.

Given the rising medical costs as well as the growing number of critical illness cases in Singapore, John decided to get My Early Critical Illness Plan to protect him and his family.

He is diagnosed with Prostate Cancer

He su�ers from Diabetic Complications

He receives $25,000as a Special Benefitpayout underMy Early CriticalIllness Plan

He receives a lump sum payoutof $200,000 and his policy will end a�er he receives the lump sum payout.

John decides to protect himself with My Early Critical Illness Plan at a Sum Assured of $200,000 for $155.7013

per month.

Want to know how this could apply to you?

Speak with your financial adviser representative or visit www.aviva.com.sg to find out more.

Footnotes:

1. No benefit shall be payable if Critical Illness or condition is diagnosed within the Waiting Period of 90 days from the Policy Issue Date, the Benefit Commencement Date and the Reinstatement Date of the policy. The Life Assured must survive a period of 7 days a�er the date of the diagnosis of the Critical Illness or condition for Special Benefit before it is payable. For more details, please refer to the Product Summary.

2. Source: Sharp rise in number diagnosed with cancer, The Straits Times, 21 Jun 2015. http://www.straitstimes.com/singapore/health/sharp-rise-in-number-diagnosed- with-cancer

3. Source: 1 in 10 stroke patients here aged under 50, The Straits Times, 19 Nov 2016. http://www.straitstimes.com/singapore/1-in-10-stroke-patients-here-aged- under-50

4. Based on survey findings from Aviva’s Consumer Attitudes, Jun 2018.

5. Please refer to Product Summary for the complete list of covered Critical Illnesses at the early, intermediate or severe stage and Special Benefit covered in this plan. Please note that the maximum limit of Sum Assured for early critical illness cover per life is $250,000 in Singapore currency.

6. An additional 20% of the Critical Illness Benefit sum assured (capped at $25,000 per life per condition) is payable to the Life Assured if he or she is diagnosed with any of the conditions listed. Each condition can only be paid once and up to a maximum of 6 claims for di�erent conditions stated under the Special Benefit covered conditions.

7. Policy Term is from 10 years and up to 99 age next birthday (ANB).

8. Death Benefit of $5,000 will be paid in the respective contract currency. Please refer to Product Summary for details.

9. Premium rates are level and non-guaranteed. Aviva reserve the right to revise the rate based on future experiences.

10. Coverage of $225,000 consists of the Critical Illness Benefit and one-time claim for Special Benefit capped at $25,000.

Important Notes

The policy is underwritten by Aviva Ltd.

This brochure is published for general information only and does not have regard to the specific investment objectives, financial situation and the particular needs of any specific person. A copy of the Product Summary may be obtained from Aviva Ltd and the participating distributor’s o�ices. You should read the Product Summary before deciding whether to purchase the policy. You may wish to seek advice from a financial adviser representative, before making a commitment to purchase the product. In the event that you choose not to seek advice from a financial adviser representative, you should consider whether the product in question is suitable for you.

As this product has no savings or investment feature, there is no cash value if the policy ends or if the policy is terminated prematurely. Buying health insurance products that are not suitable for you may impact your ability to finance your future healthcare needs. This is not a contact of insurance. Full details of the standard terms and conditions of the plan can be found in the relevant policy contract.

Information is accurate as at December 2018.

This advertisement has not been reviewed by the Monetary Authority of Singapore.

This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact us or the Life Insurance Association Singapore or SDIC website (www.lia.org.sg or www.sdic.org.sg).

Footnotes:

11. Please refer to Product Summary for more details of the critical illnesses covered under Critical Illness Benefit.

12. Please refer to Product Summary for more details of the conditions covered under Special Benefit.

13. Based on monthly rate for Sum Assured of $200,000 for a 30-year policy term, male, non-smoker, 35 age next birthday (ANB), residing in Singapore. All values illustrated are in Singapore currency.

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Aviva Ltd 4 Shenton Way, #01-01, SGX Centre 2 Singapore 068807Tel: (65) 6827 9933 Website: www.aviva.com.sgCompany Reg. No.: 196900499K GST Reg. No.: MR-8500166-8