Product Summary for AIA Solitaire PA (II)

Version 1.2

This insurance plan is underwritten by AIA Singapore Private Limited (Reg. No. 201106386R) (“we, our, us, AIA
Singapore”).

Benefits Table
Basic Benefits
Please tick the required plan    
Insured Amount (S$)
Benefit
Plan 1 Plan 2 Plan 3 Plan 4
1 Accidental Death Benefit 100,000 250,000 500,000 750,000
2 Accidental Major Dismemberment Benefit 300,000 750,000 1,500,000 2,250,000
3 Accidental Permanent Total Disability Benefit 300,000 750,000 1,500,000 2,250,000
4 Accidental Dismemberment and Burns Benefit 100,000 250,000 500,000 750,000
Additional Payout for Accidental Death Benefit
5 100,000 250,000 500,000 750,000
(on Public/Private Transport/Pedestrian/PMD user/Building Fire)
6 Accident Medical Reimbursement Benefit 2,000 3,000 4,000 5,000
Traditional Chinese Medicine/ Chiropractic Reimbursement
7 500 750 1,000 1,250
Benefit
Renewal Bonus
8 Yes Yes Yes Yes
(Up to 30% increase in Insured Amount on Items 1 to 5)
Optional: Lifestyle Maintenance Benefits Group
Please tick if you are purchasing this optional benefit group.
The plan type must be the same or lower than that selected    
under the Basic Benefits.
Insured Amount (S$)
Benefit
Plan 1 Plan 2 Plan 3 Plan 4
9 Weekly Income Benefit 100 200 300 400
10 Mobility Aids Reimbursement Benefit 1,000 1,000 2,000 2,000
11 Home Modification Reimbursement Benefit 5,000 10,000 15,000 20,000
12 Family Support Fund Benefit 30,000 60,000 100,000 150,000
Optional: Accidental Hospitalisation Benefits Group
Please tick if you are purchasing this optional benefit group.
The plan type must be the same or lower than that selected    
under the Basic Benefits.
Insured Amount (S$)
Benefit
Plan 1 Plan 2 Plan 3 Plan 4
13 Daily Accidental Hospital Income Benefit 50 150 250 350
14 Daily Accidental Intensive Care Unit (ICU) Benefit 50 150 250 350
15 Ambulance Services Benefit 200 200 200 200
16 Broken Bones Benefit 8,000 12,000 16,000 20,000
17 Emergency Medical Evacuation and Repatriation Benefit 10,000 25,000 50,000 75,000
Optional: Monthly Disability Care Benefit
Please tick if you are purchasing this optional benefit.
The plan type must be the same or lower than that selected    
under the Basic Benefits.
Insured Amount (S$)
Benefit
Plan 1 Plan 2 Plan 3 Plan 4
18 Monthly Disability Care Benefit 500 1,000 1,500 2,000

AIA Singapore Private Limited (Reg. No. 201106386R)

1 Robinson Road, AIA Tower, Singapore 048542 AIA Customer Care Hotline: 1800 248 8000 AIA.COM.SG
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Premium Table (inclusive of 9% GST)

For ages 16-65 last birthday

First Year and Renewal Premium For Occupational Classes 1 and 2 For Occupational Classes 3 and 4
(in S$, inclusive of 9% GST) Plan 1 Plan 2 Plan 3 Plan 4 Plan 1 Plan 2 Plan 3 Plan 4
Annual Premium 224.11 371.82 595.93 855.69 392.20 651.96 1,044.15 1,512.75
Basic Benefits Semi-annual
116.54 193.35 309.88 444.96 203.94 339.02 542.96 786.63
Premium
Monthly Premium 19.50 32.35 51.85 74.45 34.12 56.72 90.84 131.61
Annual Premium 67.45 108.06 177.53 222.23 118.17 189.39 311.11 389.49
Optional: Lifestyle
Semi-annual
Maintenance 35.08 56.20 92.31 115.56 61.45 98.48 161.78 202.54
Premium
Benefits Group
Monthly Premium 5.86 9.40 15.45 19.34 10.28 16.47 27.06 33.88
Optional: Annual Premium 40.70 70.61 106.49 140.89 71.22 123.61 186.25 246.38
Accidental Semi-annual
21.18 36.72 55.38 73.26 37.03 64.27 96.85 128.13
Hospitalisation Premium
Benefits Group Monthly Premium 3.55 6.14 9.26 12.26 6.20 10.75 16.20 21.44
Annual Premium 52.97 81.48 122.22 162.96 103.90 158.90 238.35 317.80
Optional: Monthly
Semi-annual
Disability Care 27.54 42.37 63.55 84.74 54.03 82.63 123.94 165.26
Premium
Benefit
Monthly Premium 4.61 7.09 10.63 14.18 9.04 13.82 20.74 27.65

For ages 66-79 last birthday

First Year and Renewal Premium For Occupational Classes 1 and 2 For Occupational Classes 3 and 4
(in S$, inclusive of 9% GST) Plan 1 Plan 2 Plan 3 Plan 4 Plan 1 Plan 2 Plan 3 Plan 4
Annual Premium 336.17 560.28 896.44 1,283.55 590.84 983.04 1,568.78 2,246.21
Semi-annual
Basic Benefits 174.81 291.35 466.15 667.45 307.24 511.18 815.77 1,168.03
Premium
Monthly Premium 29.25 48.74 77.99 111.67 51.40 85.52 136.48 195.42
Annual Premium 101.08 161.94 265.98 332.83 177.26 284.07 466.65 584.23
Optional: Lifestyle
Semi-annual
Maintenance 52.56 84.21 138.31 173.07 92.17 147.72 242.67 303.81
Premium
Benefits Group
Monthly Premium 8.80 14.08 23.14 28.96 15.42 24.71 40.60 50.84
Optional: Annual Premium 61.02 105.90 159.39 210.83 106.91 185.55 279.60 369.91
Accidental Semi-annual
31.74 55.06 82.88 109.64 55.61 96.48 145.40 192.36
Hospitalisation Premium
Benefits Group Monthly Premium 5.31 9.20 13.86 18.34 9.30 16.14 24.33 32.19
Annual Premium 264.85 407.46 611.19 814.92 516.47 794.56 1,191.84 1,589.12
Optional: Monthly
Semi-annual
Disability Care 137.72 211.88 317.82 423.76 268.56 413.17 619.76 826.34
Premium
Benefit
Monthly Premium 23.04 35.45 53.17 70.90 44.93 69.13 103.69 138.25

Notes:
1. The total distribution cost of this product is 73% of annual premiums for the first year and 40% of annual
premiums for renewal years. Distribution cost, charges and expenses will be available upon written request.
2. The last entry age is 70 at last birthday. Ages 71 at last birthday and above apply to renewals only.
3. The coverage for the optional benefits will terminate on the Renewal Date on or immediately following the
Insured’s 75th birthday and no premiums will be applicable from Age 76 at last birthday and above

AIA Singapore Private Limited (Reg. No. 201106386R)

1 Robinson Road, AIA Tower, Singapore 048542 AIA Customer Care Hotline: 1800 248 8000 AIA.COM.SG
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A. PRODUCT INFORMATION

AIA Solitaire PA (II) is a personal accident plan that provides 24/7 worldwide coverage against accidental injuries,
disability and death. You can also supplement the plan’s basic benefits with the optional benefits for a more
comprehensive coverage.

BASIC BENEFITS

The Insured Amount for the following Basic Benefits will be reduced by 50% with effect from the renewal date on or
immediately following the Insured’s 75th birthday:

1. Accidental Death Benefit

2. Accidental Major Dismemberment Benefit
3. Accidental Permanent Total Disability Benefit
4. Accidental Dismemberment and Burns Benefit
5. Additional Payout for Accidental Death Benefit
6. Accident Medical Reimbursement Benefit
7. Traditional Chinese Medicine/Chiropractic Reimbursement Benefit

ACCIDENTAL DEATH BENEFIT

We will pay the Insured Amount of this benefit if the Insured dies due to an injury within 365 days from the date of the
accident after deducting any and all amounts paid or payable under the Accidental Dismemberment and Burns
Benefit, Accidental Permanent Total Disability Benefit and Accidental Major Dismemberment Benefit..

ACCIDENTAL MAJOR DISMEMBERMENT BENEFIT

We will pay the Insured Amount for this benefit if the Insured suffers an Injury which results in any of the following
events within 365 days from the date of the Accident after deducting any and all amounts paid or payable under the
Accidental Dismemberment and Burns Benefit and Accidental Permanent Total Disability Benefit.

Where a disability is on “Permanent” basis, we will pay this benefit according to the terms of this policy after 6
consecutive calendar months from the date of the disability as diagnosed by a Physician and the Insured is beyond
any hope of improvement or recovery.

Events
1. Permanent Total Loss of Sight of both eyes
2. Loss of or the Permanent Total Loss of Use of 2 Limbs
3. Loss of or the Permanent Total Loss of Use of 1 Limb and the Permanent Total Loss of Sight of 1 eye
4. Permanent Total Loss of Speech and Hearing

ACCIDENTAL PERMANENT TOTAL DISABLILITY BENEFIT

We will pay the Insured Amount for this benefit if the Insured suffers Permanent Total Disability due to an injury
within 365 days from the date of the accident after deducting any and all amounts paid or payable under the
Accidental Dismemberment and Burns Benefit and Accidental Major Dismemberment Benefit.

We will pay this benefit according to the terms of this policy after 6 consecutive calendar months from the date of the
disability as diagnosed by a Physician and the Insured is beyond any hope of improvement or recovery.

“Permanent Total Disability” means as a result of an injury, being totally and continuously disabled, on a Permanent
basis, and prevented from:
(a) engaging in each and every occupation or employment for compensation or profit for which the Insured is
reasonably suited by reason of his education, training or experience; or
(b) performing 3 or more Activities of Daily Living if the Insured has no occupation at the time of sustaining the injury.

AIA Singapore Private Limited (Reg. No. 201106386R)

1 Robinson Road, AIA Tower, Singapore 048542 AIA Customer Care Hotline: 1800 248 8000 AIA.COM.SG
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 “Activities of Daily Living” refers to the following and always requiring the physical assistance of another person:
(a) Washing the ability to wash in the bath or shower (including getting into and out of the bath or shower) or
wash satisfactorily by other means;
(b) Dressing the ability to put on, take off, secure and unfasten all garments and, as appropriate, any braces,
artificial limbs or other surgical appliances;
(c) Transferring the ability to move from a bed to an upright chair or wheelchair and vice versa;
(d) Mobility the ability to move indoors from room to room on level surfaces;
(e) Toileting the ability to use the lavatory or otherwise manage bowel and bladder functions so as to maintain a
satisfactory level of personal hygiene;
(f) Feeding the ability to feed oneself once food has been prepared and made available.

ACCIDENTAL DISMEMBERMENT AND BURNS BENEFIT

We will pay the percentage of the Insured Amount for this benefit according to the Schedule of Indemnity below if the
Insured sustains any of the following losses within 365 days from the date of the accident as diagnosed by a
Physician.

Schedule of Indemnity
Event % of Insured Amount
1. Permanent Total Loss of Sight of 1 eye 100
2. Loss of or the Permanent Total Loss of Use of 1 Limb 125
3. Permanent and incurable insanity 100
4. Permanent total loss of hearing
- both ears 75
- 1 ear 25
5. Permanent total loss of speech 50
6. Total loss of the lens of 1 eye 50
7. Loss of or the Permanent Total Loss of Use of four Fingers and thumb of a hand 70
8. Loss of or the Permanent Total Loss of Use of four Fingers of a hand 40
9. Loss of or the Permanent Total Loss of Use of 1 thumb
- both phalanges 30
- 1 phalanx 15
10. Loss of or the Permanent Total Loss of Use of a Finger
- 3 phalanges 10
- 2 phalanges 7.5
- 1 phalanx 5
11. Loss of or the Permanent Total Loss of Use of Toes
- all toes of 1 foot 15
- great toe– 2 phalanges 5
- great toe– 1 phalanx 3
- a toe other than the great toe 1
12 Fractured leg with established non-union or patella with established non-union 10
13 Shortening of leg by at least 5 cm 7.5
14. Third Degree Burns
Area damage as a percentage of total body surface area
Head – equals to or greater than 2% but less than 5% 50
Head – equals to or greater than 5% but less than 8% 75
Head – equals to or greater than 8% 100

Body – equals to or greater than 10% but less than 15% 50

Body – equals to or greater than 15% but less than 20% 75
Body – equals to or greater than 20% 100

The percentage of the Insured Amount payable for losses which are not specifically set out in the Schedule of
Indemnity table above will be determined at our sole and absolute discretion.

No claim shall be payable under this benefit additionally for any specific item which is part of a greater item for which
a claim is payable under this Policy. In particular, if a claim is payable for the loss of a whole member of the body,
then no claim shall be payable for loss of part of that member.

AIA Singapore Private Limited (Reg. No. 201106386R)

1 Robinson Road, AIA Tower, Singapore 048542 AIA Customer Care Hotline: 1800 248 8000 AIA.COM.SG
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 If we admit any of the losses listed in the table above as being in a Permanent state, we will pay for such loss under
this benefit in accordance with the terms of this Policy upon the expiry of six (6) consecutive calendar months from
the date of the disability as Diagnosed by a Physician and provided that on the expiry of such period, the Insured
shall be beyond any hope of improvement or recovery.

Any number of events listed in the table above arising from the same Accident may be payable provided that the
aggregate sum payable from the same such Accident shall not exceed 125% of the Insured Amount.

ADDITIONAL PAYOUT FOR ACCIDENTAL DEATH BENEFIT

(PUBLIC TRANSPORT / PRIVATE TRANSPORT / PEDESTRIAN / PERSONAL MOBILITY DEVICE USER / BUILDING FIRE)

We will pay the Insured Amount of this benefit on top of Accidental Death Benefit after deducting any and all
amounts paid or payable under the Accidental Dismemberment and Burns Benefit, Accidental Permanent Total
Disability Benefit and Accidental Major Dismemberment, if the Insured suffers an Injury and dies within 365 days
from the date of the Accident:

(a) while travelling as a fare-paying passenger in a Public Transport,

(b) while travelling as a passenger or as the driver in a Private Transport;
(c) as a pedestrian where such loss is caused by Public Transport, Private Transport or Personal Mobility Device;
(d) Personal Mobility Device user; or
(e) arising from building fire.

ACCIDENT MEDICAL REIMBURSEMENT BENEFIT

If the Insured sustains an Injury and requires medical treatment, we will reimburse the Reasonable and Customary
expenses incurred for:
(a) treatment by a Physician;
(b) treatment by a Physiotherapist as recommended in writing by a Physician;
(c) admission in a Hospital; and/or
(d) the employment of a Licensed or Graduate Nurse.

subject to the following:

(i) such expenses are incurred within 365 days from the date of the Accident;
(ii) the total reimbursements under this benefit arising from the same Accident shall not exceed the Insured Amount
for this benefit, regardless any and all renewals of this Policy;
(iii) no reimbursement will be made for expenses incurred as a result and in respect of any Injury for which
compensation is payable under any law or government programs or for which benefits are payable under any
other insurance policies except to the extent that such charges are not reimbursed by such laws, programs or
other policies.

For the avoidance of doubt, costs of appliances, devices and equipment to assist with or facilitate movement of or by
the Insured (including but not limited to walking sticks, canes, walking frames, braces, crutches, walkers,
wheelchairs, and motorised scooters) and all other types of medical appliances, devices and equipment are
expressly excluded from coverage under this benefit.

This benefit shall not be applicable to this policy if the Insured is not a citizen or permanent resident of Singapore or
does not have a valid pass in Singapore on the date of the accident, and the medical expenses are incurred outside
Singapore.

TRADITIONAL CHINESE MEDICINE (TCM) / CHIROPRACTIC REIMBURSEMENT BENEFIT

If the Insured sustains an Injury and requires treatment by a Traditional Chinese Medicine Practitioner or
Chiropractor, we will reimburse such Reasonable and Customary medical expenses incurred, provided that:

(a) such expenses are incurred within 365 days from the date of the Accident;
(b) the total reimbursements under this benefit arising from the same Accident shall not exceed the Insured Amount
for this benefit, regardless any and all renewals of this Policy; and

AIA Singapore Private Limited (Reg. No. 201106386R)

1 Robinson Road, AIA Tower, Singapore 048542 AIA Customer Care Hotline: 1800 248 8000 AIA.COM.SG
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 (c) no reimbursement will be made for expenses incurred as a result and in respect of any Injury for which
compensation is payable under any laws, government programs or for which benefits are payable under any
other insurance policies except to the extent that such charges are not reimbursed by such laws, programs or
other policies.

This benefit shall not be applicable to this policy if the Insured is not a citizen or permanent resident of Singapore or
does not have a valid pass in Singapore on the date of the Accident and the medical expenses are incurred outside
of Singapore.

RENEWAL BONUS BENEFIT

Upon renewal of the policy, a 5% renewal bonus on the respective Insured Amounts of the Accidental Death Benefit,
Accidental Major Dismemberment Benefit, Accidental Permanent Total Disability Benefit, Accidental Dismemberment
and Burns Benefit and Additional Payout for Accidental Death Benefit will be given up to a maximum of 6 years,
provided that:

(a) no claim has been admitted on the Accidental Dismemberment and Burns Benefit before the policy year in which
the renewal bonus applies; and
(b) once a claim on the Accidental Dismemberment and Burns Benefit has been admitted, this Renewal Bonus
Benefit shall terminate and shall not apply to all renewals of the policy. Termination of this Renewal Bonus Benefit
shall not affect renewal bonuses which have already been accrued to the policy prior to the termination.

If there is a change in the selected plan at renewal, the renewal bonus shall be derived from the revised Insured
Amount, starting the first day of cover in the policy year in which the change of plan was effected.

For clarity, any amounts payable under the Accidental Death Benefit, Accidental Major Dismemberment Benefit,
Accidental Permanent Total Disability Benefit, Accidental Dismemberment and Burns Benefit and/or Additional
Payout for Accidental Death Benefit shall take into account the relevant renewal bonuses accrued to the policy in
relation to the respective benefits.

Note: You could refer to the policy contract for the full definitions, exclusions and benefit limitations of Basic
Benefits.

OPTIONAL: LIFESTYLE MAINTENANCE BENEFITS GROUP

The following benefits shall only apply if the Lifestyle Maintenance Benefits Group has been specifically elected by
you subject to our acceptance (if required) and stated on the Policy Schedule or an endorsement. These benefits
are issued in consideration of your payment in advance of all additional premiums applicable to these benefits.

The coverage of all the benefits under Lifestyle Maintenance Benefits Group will terminate on the renewal date on
or immediately following the Insured’s 75th birthday.

WEEKLY INCOME BENEFIT

(a) Weekly Income Benefit for Temporary Total Disability

If the Insured suffers Temporary Total Disability due to an injury within 90 days from the date of the accident, we will
pay the Insured Amount of the Weekly Income Benefit for every full seven days the Insured suffers the disability (or a
pro-rated sum, if the disability does not extend to the full seven days), beginning from the date of the disability as
diagnosed by a Physician.

“Temporary Total Disability” means being totally and continuously disabled on a temporary basis as a result of an
injury and prevented from performing each and every duty pertaining to the Insured’s occupation, domestic duties or
attending school as the case may be.

(b) Weekly Income Benefit for Temporary Partial Disability

If:
(i) the Insured suffers Temporary Partial Disability due to an injury within 90 days from the date of the accident; or
(ii) the Insured experiences Temporary Partial Disability immediately following a period of Temporary Total
Disability under sub-benefit (a) above,

AIA Singapore Private Limited (Reg. No. 201106386R)

1 Robinson Road, AIA Tower, Singapore 048542 AIA Customer Care Hotline: 1800 248 8000 AIA.COM.SG
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 we will pay 25% of the Insured Amount of the Weekly Income Benefit for every full seven days the Insured suffers
the disability (or a pro-rated sum, if the disability does not extend to the full seven days) beginning from the date of
the disability as diagnosed by a Physician.

“Temporary Partial Disability” means being partially and continuously disabled on a temporary basis as a result of
an injury and prevented from performing one or more duties necessary to the Insured’s occupation, domestic duties
or attending school as the case may be.

(c) Sub-benefits (a) and (b) above are subject to the following conditions:
(i) a medical certificate or equivalent must be issued by a Physician certifying that the Insured is medically unfit for
and exempt from usual duties such as work, school or domestic duties;
(ii) both sub-benefits (a) and (b) will not be paid together for the same period of disability;
(iii) this benefit is not payable in excess of 52 weeks for the same accident, regardless of all renewals of the policy
and all claims admitted for the same accident which comprise sub-benefits (a) and/or (b) ;
(iv) if we admit a claim under (a) or (b), our liability shall accrue from the date of the disability as diagnosed by a
Physician and provided that proof by you of the disability has been received and accepted by us; and
(v) if we require at any time, you shall furnish satisfactory proof of the continuance of the disability during the
payment period at your cost.

This benefit under (a) and/or (b) shall not be applicable to this policy if the Insured is not a citizen or permanent
resident of Singapore or does not have a valid pass in Singapore on the date of the Accident, and the Physician who
has diagnosed such disability is registered with a medical council outside Singapore.

MOBILITY AIDS REIMBURSEMENT BENEFIT

If the Insured requires the use of mobility aids as recommended by a Physician, we will reimburse the Reasonable
and Customary expenses incurred in the purchase of the mobility aids up to the Insured Amount for this Mobility Aids
Reimbursement Benefit, provided that:
(a) such expenses are incurred within 90 days from the date of the accident;
(b) all claims admitted under this benefit for the same accident shall not exceed the said Insured Amount;
(c) no claims shall be admitted for charges incurred as a result of any injury for which compensation is payable
under any laws, government programs or other insurance policies except to the extent that such charges are
not reimbursed by such laws, programs or other policies; and
(d) we shall have sole and absolute discretion in admitting claims for any items that are not listed in the definition of
“Mobility Aids” below.

For purpose of this benefit, “Mobility Aids” shall mean equipment to assist walking or movement from place to place
including but not limited to walking sticks, canes, walking frames, braces, crutches, walkers, wheelchairs, and
motorised scooters.

HOME MODIFICATION REIMBURSEMENT BENEFIT

We will reimburse the Reasonable and Customary expenses incurred for home modification up to the Insured
Amount for this benefit, provided that:
(a) such expenses are incurred within 90 days from the date of the accident;
(b) either 50% or more of the Insured Amount of the Accidental Major Dismemberment Benefit Accidental
Dismemberment and Burns Benefit or Accidental Permanent Total Disability Benefit suffered by the Insured; is
paid or payable for the same injury;
(c) a written certification has been issued by a practitioner in rehabilitative services or similar medical professional
recommending that home modification is reasonably necessary;
(d) all claims admitted under this benefit for all accidents during the Insured’s lifetime should not exceed the
Insured Amount of this benefit;
(e) claims for all items not expressly set out in the definition of “Home Modifications” shall be assessed and
determined at our sole and absolute discretion; and
(f) no claims shall be admitted for charges incurred as a result of any injury for which compensation is payable
under any laws, government programs or other insurance policies except to the extent that such charges are
not reimbursed by such laws, programs or other policies.

For the purpose of this benefit, “Home Modification” means modifying the physical and/or certain structural parts of
the Home for the sole purpose of adapting the Home to facilitate movement by the Insured in and around the Home
in view of certain disabilities suffered by the Insured. Such modifications and related expenses include the following:

AIA Singapore Private Limited (Reg. No. 201106386R)

1 Robinson Road, AIA Tower, Singapore 048542 AIA Customer Care Hotline: 1800 248 8000 AIA.COM.SG
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 (a) fixing bath safety grip handles and grab bars, raised toilet seats, walk in bath tubs, widening the bathroom doors
and repositioning an existing sink in the bathroom and toilets;
(b) modifying the width of the entrances, exits and doorways to accommodate a wheelchair, lowering the locks on
doors and fixing ramps for entrances, exits and doorways;
(c) fixing wall mounted rails and grab bars in the bedrooms; and
(d) cost and expenses arising from obtaining a written certification from a practitioner in rehabilitative services or
such similar medical professional recommending that home modification is reasonably necessary.

FAMILY SUPPORT FUND BENEFIT

If we admit a claim under either the Accidental Death Benefit or Accidental Permanent Total Disability Benefit, we will
pay the Insured Amount of this Family Support Fund Benefit.

Note: You could refer to the policy contract for the full definitions, exclusions and benefit limitations for Lifestyle
Maintenance Benefits group.

OPTIONAL: ACCIDENTAL HOSPITALISATION BENEFITS GROUP

The following benefits shall only apply if the Accidental Hospitalisation Benefits Group has been specifically elected
by you subject to our acceptance (if required) and stated on the Policy Schedule or an endorsement. These benefits
are issued in consideration of your payment in advance of all additional premiums applicable to these benefits.

The coverage of all the benefits under Accidental Hospitalisation Benefits Group will terminate on the renewal date
on or immediately following the Insured’s 75th birthday.

DAILY ACCIDENTAL HOSPITAL INCOME BENEFIT

If the Insured is confined in a hospital due to an injury, we will pay the Insured Amount of the Daily Accidental Hospital
Income Benefit for each day of the confinement, provided that:
(a) this benefit shall not be payable in excess of 365 days for the same accident; and
(b) we will not pay more than the Insured Amount of this benefit for each day of confinement.

This benefit shall not be applicable to this policy if the Insured is not a citizen or permanent resident of Singapore or
does not have a valid pass in Singapore on the date of the accident and is confined in a hospital outside of
Singapore.

DAILY ACCIDENTAL INTENSIVE CARE UNIT BENEFIT

If the Insured is confined in an ICU in a hospital due to an injury, we will pay the Insured Amount of this benefit, in
addition to the Daily Accidental Hospital Income Benefit, for each day of the confinement in the ICU, provided that:
(a) the Insured Amount of Daily Accidental Hospital Income Benefit is payable for each day of confinement in the ICU;
(b) this benefit shall not be payable in excess of 30 days for the same accident; and
(c) we will not pay more than the Insured Amount of this benefit for each day of confinement in the ICU.

This benefit shall not be applicable to this policy if the Insured is not a citizen or permanent resident of Singapore or
does not have a valid pass in Singapore on the date of the accident and is confined in a hospital outside of
Singapore.

AMBULANCE SERVICES BENEFIT

If the Insured sustains an injury and requires an ambulance to transport him to a local hospital by land, we will
reimburse the Reasonable and Customary expenses incurred (inclusive of attendants), up to the Insured Amount of
this benefit and we will not pay more than the Insured Amount of this benefit for the same accident.

No claims shall be admitted for charges incurred as a result of any injury for which compensation is payable under
any laws, government programs or other insurance policies except to the extent that such charges are not
reimbursed by such laws, programs or other policies.

AIA Singapore Private Limited (Reg. No. 201106386R)

1 Robinson Road, AIA Tower, Singapore 048542 AIA Customer Care Hotline: 1800 248 8000 AIA.COM.SG
PS-SPA(II)_ver 1.2 (052024)
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 BROKEN BONES BENEFIT

If the Insured sustains any of the following injuries within 90 days from the date of the accident as diagnosed by a
Physician, we will pay a percentage of the Insured Amount of the Broken Bones Benefit according to the Schedule of
Injuries table below:

Schedule of Injuries
Fractures of: % of Insured Amount
A. Hip or Pelvis (excluding thigh and coccyx)
Multiple Fractures, one Compound, one Complete 60
All other Compound Fractures 30
Multiple Fractures, at least one Complete 15
All other Fractures 12
B. Thigh or Heel
Multiple Fractures, one Compound, one Complete 30
All other Compound Fractures 24
Multiple Fractures, at least one Complete 15
All other Fractures 12
C. Lower leg, skull, clavicle, ankle, elbows, upper or lower arm
(including wrist but excluding Colles' fracture)
Multiple Fractures, one Compound, one Complete 24
All other Compound Fractures 15
Multiple Fractures, at least one Complete 12
Depressed fracture of the skull needing surgical intervention 7.2
All other Fractures 6
D. Colles' Fracture of the lower arm
Compound 12
Other 6
E. Shoulder blade, knee cap, sternum, hand (excluding fingers and
wrist), foot (excluding toes and heel)
All Compound Fractures 12
All other Fractures 6
F. Spinal Column (vertebrae but excluding coccyx)
All compression Fractures 12
All spinous, transverse process or pedicle Fractures 12
Fracture leading to permanent neurological damage 12
All other vertebral Fractures 6
G. Lower Jaw
Multiple Fractures, one Compound, one Complete 15
All other Compound Fractures 12
Multiple Fractures, at least one Complete 9.6
All other Fractures 4.8
H. Rib or ribs, cheekbone, coccyx, upper jaw, nose, toe or toes,
finger or fingers
Multiple Fractures, one Compound, one Complete 9.5
All other Compound Fractures 7.2
Multiple Fractures, at least one Complete 4.8
All other Fractures 2.4
I. Dislocations requiring surgery under anaesthesia
(a) Spine or back, diagnosed by x-ray (excluding slipped disc) 48
(b) Hip 30
(c) Knee 15
(d) Wrist or elbow 12
(e) Ankle, shoulder blade or collarbone 6
(f) Fingers, toes, or jaw 2.4
J. Internal injuries or concussion
Internal injuries resulting in open abdominal or thoracic or
15
cardiothoracic surgery (excluding hernia)
Concussion characterised by loss of consciousness and some degree
15
of amnesia

AIA Singapore Private Limited (Reg. No. 201106386R)

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 Fractures of: % of Insured Amount
K. Injury requiring admission in a hospital for a minimum period of
48 hours, and where no other benefits from A to J of the Schedule 1.2
of Injuries is payable

Provided that:
(i) any amount payable under this benefit shall be reduced by all amounts previously paid or payable under this
benefit; and
(ii) the aggregate sum payable for all claims admitted under this benefit shall not exceed 100% of the Insured
Amount of this benefit during the Insured’s lifetime.

we will admit a claim for the following items under this benefit only once during the Insured’s lifetime:
(a) each of the injuries listed from (a) to (f) under sub-paragraph (l) of the Schedule of Injuries table; and
(b) sub-paragraphs (A) to (H) of the Schedule of Injuries table, where a subsequent injury involves or covers:
(i) fracture of a bone where an earlier claim for the fracture of the same bone was admitted; and/or
(ii) the same injury which was earlier admitted.

EMERGENCY MEDICAL EVACUATION AND REPATRIATION BENEFIT

The Insured will have access to the following services provided by service providers appointed by us, or their
authorised representatives (“External Service Provider”).

(a) Emergency Medical Evacuation

If the Insured sustains an injury while travelling outside Singapore, the Insured’s Home Country and his usual
place of residence or employment and requires Emergency Medical Evacuation as determined to be medically
appropriate and necessary by us or the External Service Provider, we or the External Service Provider shall
arrange for such evacuation using the means best suited to do so, based on the medical severity of the Insured’s
condition.

All decisions on the means of transportation and the destination, to which the Insured should be transported, shall
be made by us or the External Service Provider and will be based solely upon medical necessity.

The expenses covered will be for services provided and/or arranged by us or the External Service Provider for the
transportation, medical services and medical supplies incurred as a result of providing the Emergency Medical
Evacuation, up to the Insured Amount for this benefit. We shall pay directly to the External Service Provider or
any third party for the covered expenses for the evacuation.

“Emergency Medical Evacuation” means: (a) the Insured’s medical condition warrants immediate transportation
from the place where the Insured is injured to the nearest hospital where appropriate medical treatment can be
obtained as determined at our or the External Service Provider’s sole discretion; and/or (b) after being treated at
a local hospital, the Insured’s medical condition warrants transportation to Singapore to obtain further medical
treatment.

(b) Repatriation
If the Insured sustains an injury and dies as a result of the same accident within 365 days from the date of the
accident while travelling outside of Singapore, the Insured’s Home Country and his usual place of residence or
employment, we or the External Service Provider shall make the necessary arrangements for the return of the
Insured’s remains to Singapore or to his Home Country, or arrange for local burial at the place of death.

This benefit covers expenses for services provided and/or arranged by us or the External Service Provider for the
transportation costs and expenses, incurred as a result of returning the Insured’s mortal remains to Singapore or
to his Home Country or burial costs and expenses at the place of death up to the Insured Amount for this benefit.
We shall pay directly to the External Service Provider or any third party for the covered expenses.

We will not cover any expenses incurred for (a) and (b) above if they:
(a) incurred for services provided by parties other than the External Service Provider, or any expenses already
included in the cost of a scheduled trip;
(b) not approved nor arranged by the External Service Provider, unless the Insured or his travelling companions
cannot for reasons beyond their control notify the External Service Provider during a medical emergency. In
such event, we reserve the right to only reimburse for such expenses which would have been incurred by the

AIA Singapore Private Limited (Reg. No. 201106386R)

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 External Service Provider under the same circumstances, and only up to the Insured Amount of this Emergency
Medical Evacuation and Repatriation Benefit for each policy year; and
(c) that exceed the Insured Amount of this Emergency Medical Evacuation and Repatriation Benefit for each policy
year.

Note: You could refer to the policy contract for the full definitions, exclusions and benefit limitations for Accidental
Hospitalisation Benefits group.

OPTIONAL: MONTHLY DISABILITY CARE BENEFIT

The following benefits shall only apply if the Monthly Disability Care Benefit has been specifically elected by you
subject to our acceptance (if required) and stated on the Policy Schedule or an endorsement. These benefits are
issued in consideration of your payment in advance of all additional premiums applicable to these benefits.

The coverage of all the benefits under Monthly Disability Care Benefit will terminate on the renewal date on or
immediately following the Insured’s 75th birthday.

Monthly Disability Care Benefit

If the Insured sustains an injury within 180 days from the date of the Accident and is unable to perform at least two
(2) of the six (6) “Activities of Daily Living” as diagnosed by a Physician, we will pay the Insured Amount of this
benefit following the expiry of the Deferment Period, subject to the following:

(i) the total payment under this benefit shall not exceed more than 120 months during your lifetime, regardless any
and all renewals of the Policy;
(ii) this benefit shall cease to be payable as soon as the Insured no longer satisfies the requirement this benefit;
and
(iii) When two (2) or more periods of such disability are separated by 12 months or more from the last payment of
this benefit, then it shall be treated as a new disability and a fresh Deferment Period shall apply.

While the Monthly Disability Care Benefit is payable following the expiry of the Deferment Period, we will waive the
premium on this benefit. We will refund any premiums (without interest) which have been paid in respect of the
period during which this benefit is paid.

Premiums shall be payable by you once the benefit ceases to be payable.

This benefit that may be payable shall not be applicable to this policy if the Insured is not a citizen or permanent
resident of Singapore or does not have a valid pass in Singapore on the date of the Accident, and the Physician who
has diagnosed such disability is registered with a medical council outside Singapore.

Proof of Continuance of disability under Monthly Disability Care Benefit

Though proof of disability under Monthly Disability Care benefit may have been accepted as satisfactory by us, we
will be entitled to demand, at reasonable intervals from time to time and at your cost, the proof of the continuance of
such disability. The Monthly Disability Care Benefit shall cease if the evidence required by us is not provided or is not
satisfactory

“Activities of Daily Living” refers to the following and always requiring the physical assistance of another person:
(a) Washing the ability to wash in the bath or shower (including getting into and out of the bath or shower) or
wash satisfactorily by other means;
(b) Dressing the ability to put on, take off, secure and unfasten all garments and, as appropriate, any braces,
artificial limbs or other surgical appliances;
(c) Transferring the ability to move from a bed to an upright chair or wheelchair and vice versa;
(d) Mobility the ability to move indoors from room to room on level surfaces;
(e) Toileting the ability to use the lavatory or otherwise manage bowel and bladder functions so as to maintain a
satisfactory level of personal hygiene;
(f) Feeding the ability to feed oneself once food has been prepared and made available.

Note: You could refer to the policy contract for the full definitions, exclusions and benefit limitations for Monthly
Disability Care Benefit.

AIA Singapore Private Limited (Reg. No. 201106386R)

1 Robinson Road, AIA Tower, Singapore 048542 AIA Customer Care Hotline: 1800 248 8000 AIA.COM.SG
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B. KEY PRODUCT PROVISIONS
The following are some key provisions found in the policy contract of this plan. This is only a brief summary and you
are advised to refer to the actual terms and conditions in the policy contract. Please consult your AIA Financial
Services Consultant or Insurance Representative should you require further explanation.

1. Free Look
After purchasing the policy, you have a 14-day free-look period starting from the day you receive your policy
documents to review the documents carefully. During this time, if you choose to cancel your policy, the insurer will
refund you the premiums without interest, inclusive of any Goods and Services Tax (“GST”) you have paid, less any
medical fees and other expenses, such as payments for medical check-ups and medical reports, incurred by the
insurer.

If you opted for an electronic copy of your Policy, the 14-day free-look period will start when you receive our SMS or
email notification, informing you that the policy contract documents are available for your viewing on our customer
portal.

If we have posted your Policy to you, the 14-day free-look period will start seven (7) days from the date of our posting
of your Policy to you.

2. Cancellation Clause
This is a short-term accident and health policy and we are not required to renew this policy. We may terminate this
policy by giving you 30 days’ notice in writing. Should such cancellation occur, we shall return the unearned portion
of premium provided there is no claims admitted under the policy for the same policy year.

Should you decide to cancel the coverage under this policy, we shall return the unearned portion of premium
provided there is no claims admitted under the policy for the same policy year.

3. Terms of Renewal
The policy is issued for a period of 1 year commencing from the effective date or each renewal date. This policy is
not guaranteed yearly renewable may be renewed, subject to the following:
(a) this policy is in force on the date of renewal and has not been cancelled under the Cancellation clause;
(b) renewal is only available on each policy anniversary date, up to the policy anniversary date prior to the
Insured's 80th birthday;
(c) we receive and accept payment of this policy’s premium according to the premium rates applicable to the
Insured's age last birthday on the date of renewal.

4. Premium
Premium payable for this policy are not guaranteed and are subject to our review from time to time at our absolute
discretion. We will send you written notification at least 31 days in advance of any change in premium rate.

This policy is not a Medisave-approved policy and you may not use Medisave to pay the premium for this policy.

5. Policy Extensions
Coverage shall extend to the following under the respective benefits while the policy is in force and subject to the
terms and conditions of the respective benefits and the policy. You are advised to read the policy contract for the full
list of policy extension.

(a) Strike, riot and civil commotion

(b) Terrorism
(c) Drowning and suffocation by smoke, poisonous fumes, gas or drowning
(d) Exposure to natural disasters such as floods, hurricanes, volcanic eruptions, earthquakes, tsunamis and landslides
(e) Disappearance where body of the Insured is not found within 12 months from the date of disappearance following
the sinking, wrecking or destruction of an aircraft or other conveyance in which the Insured was travelling
(f) Hijack, murder and assault
(g) Food poisoning
(h) Private flight (as a non fare-paying passenger in a properly licensed private aircraft and/or helicopter while on
a business trip when traveling outside Singapore)
(i) Insect/animal bites, stings or attacks (including dengue Fever and Zika)
(j) Amateur sports or activities as a form of recreation
(k) Motor-cycling (rider and pillion)

AIA Singapore Private Limited (Reg. No. 201106386R)

1 Robinson Road, AIA Tower, Singapore 048542 AIA Customer Care Hotline: 1800 248 8000 AIA.COM.SG
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6. Exclusions
There are certain conditions whereby the benefits under this plan will not be payable. These are stated as exclusions
in the contract. The exclusions for this plan include, but are not limited to the following conditions. You are advised to
read the policy contract for the full list of exclusions.

(a) War-related events

- war (whether declared, undeclared or otherwise), invasion, civil war, revolution or any warlike operations;

(b) Deliberate acts that endanger own self

- violation or attempted violation of the law or resistance to arrest; or
- suicide or attempted suicide or intentional self injury or from deliberate exposure to exceptional danger
(except in an attempt to save human life), whether sane or insane;

(c) Health-related or Pre-existing Conditions

- childbirth, pregnancy, miscarriage, abortion, sterilisation, contraception, infertility or any complications and
treatment arising from any of the foregoing notwithstanding that such event may have been accelerated or
induced by Injury, and/or any treatment arising from any such event therefrom;
- any form of dental care or treatment (unless necessitated by Injury and provided that such dental care
and/or treatment shall be applied to Sound Natural Teeth). Dentures and all related expenses are
expressly excluded;
- any form of cosmetic, plastic or elective surgery unless necessitated by Injury;
- treatment of alcoholism, drug abuse or any other complications arising there-from, or Accidents caused by
or whilst under the influence of drugs or alcohol or drug overdose (whether intentional, accidental or
otherwise);
- congenital abnormalities and physical defects from birth, and/or any treatment arising from any such event;
- any kind of disease or illness save as expressly covered under Policy Extensions (Food Poisoning and
Insect/Animal Bites, Stings or Attacks);
- AIDS and HIV or any complications associated with any HIV; or
- any Pre-existing Condition.

(d) Adventurous, Competitive activities or Occupations related

- engaging or taking part in air, military, naval training, exercises, manoeuvres, warlike operations or
handling of explosives and demolition materials or while under orders for restoration of public order,
whether in time of peace, declared, undeclared war or otherwise, except where operationally ready
national service duties are carried out in Singapore or overseas (if applicable) pursuant to the Enlistment
Act (Cap.93);
- engaging in air travel (except as a fare-paying passenger in any properly licensed private and/or
commercial aircraft, or as a crew member in a properly licensed commercial aircraft operated by a
commercial passenger airline on a regular scheduled passenger trip over its established passenger route,
or as covered under Policy Extensions (Private Flight);
- engaging in a sport in a professional capacity or where the Insured would or could earn income or
remuneration from engaging in such sport; or
- engaging in racing of all kinds (other than on foot and swimming); save expressly covered under Policy
Extensions (Amateur Sports).

7. Change of Occupation
You must notify us in writing if the Insured’s occupation changes as soon as possible We shall increase or reduce the
premiums according to the risk classification for the new occupation. We reserve the right to terminate or decline to
renew the policy.

8. Change of Country of Residence or Citizenship

You must notify us in writing as soon as possible, if there is a change in your and/or the Insured’s citizenship and/or
usual country of residence or plans to stay outside Singapore for more than 180 consecutive days in a year, other than
for leisure or social purposes. We reserve the right to terminate or decline to renew the policy or continue cover on
prevailing or varied terms and conditions.

AIA Singapore Private Limited (Reg. No. 201106386R)

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9. No Cover
This Policy shall not cover or provide for the payment of claims or benefits to specific persons or entities where the
application of or compliance with certain laws and regulations (as may be applicable to us, our parent company and/or
our ultimate controlling entity, our reinsurers, their parent company and/or ultimate controlling entity) prohibit
performance under the Policy based on:

(a) the identity, domicile, residence, place of incorporation, establishment (whether incorporated or unincorporated), or
citizenship, of you, the Insured or claimant or the parent company and ultimate controlling entity of you, the Insured
or claimant; or
(b) the country where the claim arises.

Should any person or entity be found to have been erroneously enrolled under this policy, insurance coverage for such
person or entity shall cease with immediate effect and any unearned premiums paid in respect of such person or entity
shall, subject to compliance with laws and regulations, be refunded without interest to you. Should any claim for
payment of any nature be found to have been made under this policy by a person or entity excluded by this provision,
no such payment will be made.

10. Deferment Period

For any loss described as “Permanent” in the policy, it must have continued for a period of 6 consecutive calendar
months from the date of the disability as diagnosed by a Physician and on the expiry of such period, the Insured
shall be beyond any hope of improvement or recovery before we pay out any benefits according to the terms of the
policy.

For any loss due to inability to perform Activities of Daily Living as described under Monthly Disability Care Benefit, it
must have continued for a period of 90-day from the date of such disability.

11. Termination
Your Policy shall automatically terminate on the earliest occurrence of the following:
(a) on the premium due date if any premium on your Policy remains unpaid at the end of the Grace Period;
(b) upon effective cancellation under the General Provisions (Cancellation) of your Policy;
(c) on the policy anniversary occurring on or immediately following the Insured’s 80 th birthday;
(d) upon the Insured’s death;
(e) when we exercise our right of termination under General Provisions (Change of Occupation), (Change of Country
of Residence or Citizenship) or (No Cover)
(f) the date of the Insured’s Accident resulting in the aggregated payment of 100% or more of the Insured Amount
under the Accidental Death, Accidental Major Dismemberment Benefit, Accidental Permanent Total Disability
Benefit, Accidental Dismemberment and Burns Benefit and Additional Payout for Accidental Death Benefit.

Termination of this Policy will not affect an insured event that has arisen prior to such termination or loss resulting
from such insured event. Our acceptance of any premium after termination will not create a liability for us.

12. Claims Procedures

We must receive written notice of claim for loss within 60 days from the date of such loss. You could refer to the
policy contract for details on claims procedures. You may also contact your AIA Financial Services Consultant,
Insurance Representative or AIA Customer Care Hotline at 1800 248 8000.

Important Notes:

This insurance plan is underwritten by AIA Singapore Private Limited (Reg. No. 201106386R) (“AIA”).

All insurance applications are subject to our underwriting and acceptance. Submission of an application and payment of
premium does not constitute and should not be construed as acceptance by us. We reserve the right to withdraw the plan
or reject applications, at anytime 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.

Buying health insurance products that are not suitable for you may impact your ability to finance your future healthcare
needs. You are discouraged from switching from an existing accident and/or health insurance policy to a new one without

AIA Singapore Private Limited (Reg. No. 201106386R)

1 Robinson Road, AIA Tower, Singapore 048542 AIA Customer Care Hotline: 1800 248 8000 AIA.COM.SG
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considering whether the switch is detrimental, as there may be potential disadvantages with switching. A penalty may be
imposed for early policy termination and the new policy may cost more or have fewer benefits at the same cost.

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 your insurer or visit the GIA/LIA or SDIC web-sites (www.gia.org.sg or www.lia.org.sg or
www.sdic.org.sg).

The benefits of this policy will only be payable upon an accident occurring.

AIA Singapore Private Limited (Reg. No. 201106386R)

1 Robinson Road, AIA Tower, Singapore 048542 AIA Customer Care Hotline: 1800 248 8000 AIA.COM.SG
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