AIA Plans that Cover Dengue

According to the NEA web site, there have been close to 5,000 cases of dengue fever in the first quarter of 2020.  This has largely been overshadowed by the Coronavirus pandemic, but it is still a health concern.  The breakdown may be fund here: https://www.nea.gov.sg/dengue-zika/dengue/dengue-cases.  The following are AIA plans, and the key areas of coverage in the event of a dengue infection.

Hospitalisation Benefit

This pertains to medical and health plans that provides coverage for hospitalisation.  They include the AIA Healthshield Gold with both the Vital Health rider, or the older Essential rider; AIA Platinum Health; and the Hospital Income and Hospital Income Special riders.  Hospitalisation due to dengue fever is covered by all these plans.

Accident Benefit

This pertains to personal accident plans that provides coverage for accidents and injuries.  They include AIA Solitaire PA, AIA Platinum Accident Care, and AIA Star Protector Plus.  Dengue fever is covered as these plans provide coverage for accidents and injuries caused by animal or insect bite, including dengue fever, subject to terms and conditions of the policy.

Disability Income Benefit

This pertains to plans that pay out an income arising from disability.  The only such plan is AIA Premier Disability Cover.  Dengue fever is covered as this plan provides coverage for income protection due to illness or injury.

Travel Benefit

This pertains to travel insurance.  The only such plan is AIA Around the World Plus.  Dengue fever is covered as this plan provides coverage for accident and sickness during overseas trip.

Critical Illness Benefit

This pertains to critical illness plans and riders that provide early, intermediate, or major stage critical illness coverage.  They include AIA Power Critical Cover, AIA Beyond Critical Care, AIA Early Critical Protector Plus; and all critical illness riders such as Critical Protector Life, Critical Protector Life (II), Early Critical Protector Life (II), Early Critical Cover Extra, Critical Cover Extra, and others.

Dengue fever is not a critical illness condition, meaning that the critical illness benefit will not be paid out.  However, dengue haemorrhagic fever is covered under the special conditions benefit of some critical illness plans and riders.  If dengue fever fulfils the definition of dengue haemorrhagic fever, the special conditions benefit may be claimable, subject to the terms and conditions in the policy.

Complications due dengue fever may be admissible for a critical illness benefit claim or premium waiver, subject to fulfilment of the definition of the critical illness condition covered in the policy.  If the critical illness plan has death benefit, then death due to dengue fever is covered, subject to the terms and conditions in the policy.

Pre-Natal Benefit

This pertains to coverage for the mother or the unborn.  The only riders are Baby Protect Plus (II) and Baby Assurance (II).  Dengue haemorrhagic fever is stated in the list of “Other Infectious Diseases” under the hospital care benefit for child, and it will be covered.

Death Benefit

This pertains to payout upon death.  This includes all life, savings, and investment-linked plans and riders that provide death coverage.  Death due to dengue fever is covered, regardless.