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PROTECTION
AIA WOMAN OF WISDOM
A plan designed to cater
to the protection needs
of today’s women
AIA.COM.SG

AIA WOMAN OF WISDOM 1
It doesn’t matter if you are single or married, or whether your priorities lie in building a career
or a family - or both. What matters, as any wise woman will tell you, is that you’ve got a plan.
Not just a plan to help you achieve the successes you want in the various facets of life, but
one that will also help you face unforeseen demands.
AIA Woman of Wisdom is a comprehensive health plan that helps you celebrate
womanhood - and more. Besides covering you for a range of critical illnesses and
diseases, the plan especially covers you in the event of a uniquely female illness or
condition (including complications during pregnancy, and reconstructive surgery after an
accident). It also provides medical check-ups every two years.
No one wants to imagine the possibility of trying times ahead. But with AIA Woman of
Wisdom you’ll have security in knowing that the plan will help meet your changing needs.
The plan provides for you financially, and looks after your medical costs should you be
diagnosed with a health condition or critical illness. This plan also provides you with an
income benefit should you be unable to work.
If you’re female and between 16 and 59 years old, AIA Woman of Wisdom is the plan
for you.
Here are the benefits of being an AIA Woman of Wisdom
AIA Woman of Wisdom provides cover of up to 100% of the Principal Sum or up to
S$100,000 in the event of diagnosis of a female-related illness, reconstructive surgery or
pregnancy complications.
Core Benefits
% of Principal Sum
1. Female Dread* Illness or Health Benefit*
a. Female Cancer (Includes cancers pertaining to the female organs including
100
the Breast, Cervix Uteri, Uterus, Ovary, Fallopian Tube and Vagina / Vulva)
b. Systemic lupus erythematosus with Lupus Nephritis 100
c. Rheumatoid Arthritis 100
d. Reconstructive Surgery Reimbursement due to accident or accidental burns 100
e. Osteoporosis 30
f. Female Carcinoma-In-Situ 20
g. Urinary Incontinence 5
2. Maternity Benefit (For ages below 45)
(Cover for pregnancy complications which include Death # , Ectopic Pregnancy,
Pre-eclampsia, Disseminated Intravascular Coagulation, Fatty Liver
of Pregnancy, Choriocarcinoma and Hydatidiform Mole and Miscarriage
due to an accident)
20
* We will pay only the first Diagnosis of these conditions.
#
The benefit will be payable in the event of death during child delivery or within 90 days following child delivery as a
result of complications arising out of the delivery.

‘Safety Net’ Benefits
In addition to all the core benefits listed, AIA Woman Of Wisdom includes extra
benefits to make this plan complete:
3. Critical Illness Benefit
A lump sum equal to 50% of the Principal Sum or up to S$50,000 will be payable in the
event you are diagnosed with one of the 26 Critical Illnesses listed below:
1. Major Cancer excluding Female Cancer
2. Heart Attack
3. Coronary Artery By-pass Surgery
4. Stroke
5. Major Organ / Bone Marrow Transplantation
6. Kidney Failure
7. Paralysis (Loss of use of Limbs)
8. Muscular Dystrophy
9. Multiple Sclerosis
10. Total Blindness (Loss of Sight)
11. Other Serious Coronary Artery Disease
12. Surgery to Aorta
13. Heart Valve Surgery
14. Alzheimer’s Disease / Severe Dementia
15. Fulminant Hepatitis
16. Primary Pulmonary Hypertension
17. Coma
18. Deafness (Loss of Hearing)
19. Loss of Speech
20. Major Burns
21. Terminal Illness
22. End-stage Lung Disease
23. End-stage Liver Disease
24. Motor Neurone Disease
25. Parkinson’s Disease
26. Aplastic Anaemia
This benefit is only payable once regardless of the number of Critical Illnesses suffered.
4. Death Benefit
In the event of death due to an Accident or any illness or disease which is covered
by the Female Dread Illness Benefit, Female Health Benefit, Critical Illness Benefit or
Maternity Benefit under this plan, AIA shall pay a lump sum of S$10,000.

AIA WOMAN OF WISDOM 3
5. Daily Hospital Benefit
AIA will pay a daily amount of S$200 for up to 180 days in the event you are confined
due to an illness or disease which is covered by the Female Dread Illness Benefit,
Female Health Benefit or Critical Illness Benefit.
6. Monthly Maintenance Income Benefit
This extra cash comes in handy if you are unable to work # due to an illness or disease
which is covered by the Female Dread Illness Benefit or Female Health Benefit and
provided such benefit is paid. She will receive a monthly cash benefit of S$1,000 starting
from the 7 th month of such disability for up to 12 months.
7. Biennial Medical Check-Up Program
To ensure that you enjoy a healthy lifestyle, she will be entitled to a Medical Check-up
every two years while the policy is in force. The first medical check-up will be available
during the 3 rd policy year.
8. Renewal Bonus
Increase coverage without increase in premium. Enjoy a 5% increase in the Principal
Sum upon each renewal for up to 5 years.
#
This benefit is payable if you are totally and continuously unable to perform every occupational duty or unable to
perform at least 2 Activities of Daily Independent Living for more than 6 consecutive months.
Benefits & Coverage
Benefits Plan 1 (S$) Plan 2 (S$) Plan 3 (S$) Plan 4 (S$)
Principal Sum 25,000 50,000 75,000 100,000
Death Benefit 10,000 10,000 10,000 10,000
Daily Hospital
Care Benefit
Monthly Maintenance
Income Benefit
200 200 200 200
1,000 1,000 1,000 1,000
Maternity Benefit 5,000 10,000 15,000 20,000
Medical Check-up ✔ ✔ ✔ ✔

Premium S$ (Inclusive of 7% GST)
Plan 1 - S$25,000
Age Annual (S$) Semi-Annual (S$) Monthly (S$)
16 - 25 367.55 191.12 31.98
26 - 30 432.82 225.06 37.65
31 - 35 492.74 256.22 42.87
36 - 40 558.01 290.16 48.56
41 - 45 622.21 323.55 54.14
46 - 50 720.65 374.74 62.69
51 - 55 883.29 459.31 76.84
56 - 59 1,095.15 569.48 95.28
Plan 2 - S$50,000
Age Annual (S$) Semi-Annual (S$) Monthly (S$)
16 - 25 588.50 306.02 51.21
26 - 30 706.20 367.22 61.44
31 - 35 813.20 422.86 70.75
36 - 40 930.90 484.07 81.00
41 - 45 1,048.60 545.27 91.24
46 - 50 1,230.50 639.86 107.05
51 - 55 1,519.40 790.09 132.18
56 - 59 1,904.60 990.39 165.71
Plan3 - S$75,000
Age Annual (S$) Semi-Annual (S$) Monthly (S$)
16 - 25 808.92 420.64 70.38
26 - 30 979.05 509.11 85.17
31 - 35 1,133.13 589.23 98.59
36 - 40 1,303.26 677.70 113.39
41 - 45 1,474.46 766.72 128.28
46 - 50 1,739.82 904.71 151.36
51 - 55 2,154.98 1,120.59 187.47
56 - 59 2,713.52 1,411.03 236.08

AIA WOMAN OF WISDOM 5
Plan 4 - S$100,000
Age Annual (S$) Semi-Annual (S$) Monthly (S$)
16 - 25 1,030.41 535.81 89.66
26 - 30 1,252.97 651.54 109.00
31 - 35 1,454.13 756.15 126.52
36 - 40 1,676.69 871.88 145.88
41 - 45 1,901.39 988.72 165.43
46 - 50 2,250.21 1,170.11 195.77
51 - 55 2,791.63 1,451.65 242.87
56 - 59 3,523.51 1,832.23 306.56
1. There is a waiting period of 90 days before benefits are payable. For Breast Cancer and
Female Carcinoma-In-Situ, the waiting period is 180 days.
2. The Maternity Benefit is only payable if the policy has been in force for 12 consecutive
months from the policy effective date or last date of reinstatement, whichever is later.
3. Entry age: 16 to 59 years old. Renewal is available up to the policy anniversary prior to
your 65 th birthday. This Policy is not guaranteed yearly renewable, and any renewal will
be based on our approval and acceptance of renewal premium.
4. Premium rates are not guaranteed. The rates are subject to review by AIA and may be
adjusted based on future experience. We will send you a written notification at least 31
days in advance of such change in premium rates.
Important Notes:
This brochure is not a contract of insurance. The precise terms and conditions of this
plan including exclusions whereby the benefi ts under your plan may not be paid out are
specifi ed in the policy contract. You are advised to read the policy contract.
All insurance applications are subject to AIA Singapore Private Limited’s (AIA’s)
underwriting and acceptance.
The information in this brochure is correct as at November 2011.

SGPD2011018-017-11112011 TM 3311022 (08/2009 01/2012)
AIA Singapore Private Limited (Reg. No. 201106386R)
1 Robinson Road, AIA Tower, Singapore 048542 Monday - Friday 8.45am - 5.30pm AIA Customer Care Hotline: 1800 248 8000 AIA.COM.SG