Should I upgrade my AIA Triple Critical cover (till 100) to Power Critical Cover (till 100)? Can I add on riders after the plan has started?

Hi there, I represent my clients at AIA Singapore - let me see if I can help you.

In most cases, it may be valued to consider the upgrade, especially if the premium difference is not huge. Here is some of the reasons why:

1. Covers a total of 150 critical illness conditions now

2. Enhanced coverage of $250k for early critical illness

3. 5 times power reset feature

4. 200% of insured amount for power relapse feature

5. Includes coverage for pre-early conditions, e.g. Type 2 Diabetes

With some of these benefits in mind, it has certainly set a new benchmark in the industry, especially with the first and only in the market pre-early cover (#5)

Addition of rider is only for AIA Power Critical Cover and is subject to underwriting approval.

I hope this helps. =)

P.S.

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No knowledge of TCC / PCC but on the rider piece; you can generally add riders after initial purchase - but do note there would be underwriting done (and due to concerns about anti-selection, any concessions on initial sale unlikely to be given so expect a fairly full scale UW)