My MultiPay Critical Illness Plan III

Because you don't give up, neither will we

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Critical Illness: the crucial cover that Singaporeans most desperately lack

According to national Protection Gap Study 2017, Singaporeans are only covered for 20% of their Critical Illness needs*. But what's stopping them from getting ample coverage?

"My other insurance plans probably already offer this coverage"

Think that Critical Illness coverage is part of your hospitalisation or long-term care plans? These are actually different plans that serve different needs.

"I'm young and healthy; I'll never be afflicted with a Critical Illness"

You can continue to gamble on your health, but truth is, Critical Illness can strike anyone, anytime, even if you don’t have a family history of such illnesses.

"It's costly and not an immediate need, so I'll consider it later"

This is one of the misconceptions about Critical Illness plans – but premiums are actually lower the younger you start. So why not take advantage of youth?

*Working adults have inadequate cover if critical illness strikes, says study, The Straits Times (26 April 2018)

Be well-covered when illness gets critical

Because you deserve more during life's crucial moments

Up to 5 lump sum payouts

Upon diagnosis of Critical Illness (CI) across Early, Intermediate or Severe Stages.

Payout for recurring illnesses

Up to 2 payouts if re-diagnosed with cancer or recurring heart attack or stroke1

High amount of benefit payout to help you with expenses

Receive a total benefit payout of up to 600% of the chosen Sum Assured1

The plan that covers you again

Protecting you across every stage of Critical Illness

Upon diagnosis of the following: Number of lump sum payment Payout amount
Layer 1 Early or Intermediate Stage of CI2 Up to 2X Up to 200% of Sum Assured3
Layer 2 36 Severe Stage CI 1X 300% of Sum Assured less claims made on the Early or Intermediate Stage4
Layer 3

First-time CI: Major Cancers, Heart Attack, Stroke or

Re-diagnosed Cancer, Recurrent Heart Attack, Recurrent Stroke5

1X 150% of Sum Assured6
Layer 4

First-time CI: Major Cancers, Heart Attack, Stroke or

Re-diagnosed Cancer, Recurrent Heart Attack, Recurrent Stroke5

1X 150% of Sum Assured7
Total Up to 5X lump sum payouts Up to 600% of the chosen Sum Assured

Other benefits

Summary of Cover Coverage / Options
Special benefit8
An additional 20% of your Sum Assured is payable upon diagnosis of any one of 24 conditions such as diabetes complications or autism
In the event of death
Lump sum payout of S$5,000 (or equivalent currency)
Future premiums waived Upon diagnosis of Severe Stage CI
Choice of coverage term Ranging from 10 years to age 99 (age next birthday)

We've enhanced our critical illness coverage to give you greater peace of mind. For details, click here.


True inspirations: The undefeatable human spirit

It's amazing how strong the human spirit is. It doesn't matter what Critical Illness strikes, or how many times it comes back – we fight, every single time. Watch how these survivors did it. 

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Ready to talk about Critical Illness protection?

When it comes to matters close to the heart, like your protection needs, there's nothing better than personal advice. Make an appointment with an Aviva consultant today!

The policy is underwritten by Aviva Ltd.

This 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 offices. 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. Early termination of the policy usually involves high costs and the surrender value payable, if any, may be less than the total premiums paid. This is not a contract of insurance. Full details of the standard terms and conditions of this 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 Aviva Ltd or visit the Life Insurance Association Singapore or SDIC websites ( or