AVIVA My Multipay Critical Illness vs AIA Triple Critical Cover (Critical Illness Coverage)


(Check new post Aviva MPCI vs Manulife RCC Critical illness plans)

AVIVA My Multipay (MPCI) plan and AIA Triple Critical Cover (TCC) plan are two unique Critical Illness Plans currently in the market. Both of them can potentially pay out for Early Critical illness and both can potentially allow you to claim more than once!


Early Critical Illness (ECI in short) plans generally includes conditions that are easier to meet the required definitions for payout. Therefore, it is priced at a few time more expensive than your usual Critical Illness (CI) coverage.

With modern health screening, early onset of cancer conditions for example can be picked up with cancer market test and stools analysis test. Naturally, treatment can take place much earlier.


Why would you need to purchase early critical illness benefits?
Assuming you have a hospital insurance (Integrated Shield Plan aka IP plan), a large part (if not all) of your hospital bill will be taken care off. Hence, the sole purpose of the payout for early critical illness can be used to protect your loss of potential income, especially so if you need to be on prolonged hospital leave.
Tip: Sum assured coverage amount to be maybe 6-12months of your annual income with inflation forecast. Allocate more for critical illness coverage if you deems necessary.

Key similarity

Both the AVIVA MPCI and AIA TCC plans are designed to include multiple levels of early critical illness coverage for you. Unlike other early critical illness single payout term plans (such as AVIVA My Early Critical Illness Plan, GE Smart Early Critical Care, Pru Early Stage Crisis Cover, TM EarlyCare, AXA Earlystage criticare), they allow you to claim for two separate conditions of early critical illnesses.

1) 30days waiting period between different early critical illnesses

The AVIVA MPCI classifies illnesses into 3 “pots”. As long as claims are made from a different pot, the waiting period is a short 30 days. While the AIA TCC is more liberal in allowing claims for any other early critical condition, the waiting period is 1 year (which is also known as the “reset button”).

2) 3x of sum assured is paid out for a critical illness claim

The AVIVA MPCI will pay 3x of sum assured if claims is for a critical illness. Plan remain in-force and becomes Free of charge as premiums are waived. AIA TCC only pays 1x of the sum assured for a critical illness claim.

3) Up to a further 2x of sum assured for re-diagnosed cancer

The AVIVA MPCI provides you with a further 2x of re-diagnosis cancer claims after a critical illness claim. This brings the total payable amount for cancer claims to be up to 5x the sum assured value. As there is always the risk of a cancer relapse, this is a useful benefit.

4) 5 more conditions under “special benefits” which are capped at $25k

Special benefits are claimable in addition to the basic sum assured. The following 5 conditions are found in both plans. Based on feedback from a trained medical professional, they are extremely useful benefits to have and it is quite commonly diagnosed with.

1. Diabetic Complications

2. Angioplasty & Other Invasive Treatment for Coronary Artery

3. Osteoporosis with Fractures

4. Severe Rheumatoid Arthritis

5. Mastectomy

The AVIVA MPCI provides you with a further 5 conditions (Total 10 special benefits coverage) for claims under “special benefits”. However, based on feedback from a trained medical professional, these additional 5 conditions are quite rare.

1) Death benefit of sum assured

The AIA TCC pays out sum assured + a $5,000 compassionate benefit. AVIVA MPCI only pays $5,000 for death. Hence, the survival period of 7days is even more crucial for this plan.

2) 7 more Critical Illness conditions covered and 2 more Early/Intermediate Critical Illness

The AIA TCC provides you with a further 9 conditions which can be claimable. However, based on feedback from a trained medical professional, these additional 9 conditions are the rare occurrences.

Premium comparison

For illustration purchases using Male 34 with sum assured $100,000 till age75

  • AVIVA MCPI premium is $1,577/y
  • AIA TCC premium is $1,918/y

In comparison, the TM EarlyCare plan is priced at $1,892/y providing a payout based on a single Early Critical Illness claim. The AVIVA SAF Living Care Plus rider cost a mere $96/y at age 34. However, the premium rises drastically at a later age and the plan covers for only a few conditions.

You may wish to gather an official benefit illustration to compare for your age and duration of coverage desired.

Make your critical illness planning come true

Cancer is the largest cause for a claim of critical illness and is increasingly diagnosed at an earlier age. With adequate insurance coverage, you can safeguard your family from financial distress if such a situation arises.

Insurance premium is cheaper when you are at a younger age. Talk to us today.



Click on the link to view the brochure of AVIVA My Multipay Critical Illness or AIA Triple Critical Cover!

The author holds independent views about the merits of the above mentioned plans and is not a direct representative of any of the insurers. The author is not covered by any of the above mentioned plans.


Josh Tan

I graduated with an Accountancy degree in from Nanyang Technological University but did not join an audit firm. Being keen on investing and personal finance matters, I started a journey in the financial planning industry and have been blessed to share what I am passionate about for the last 10 years. Currently, I practice in Promiseland Independent Pte Ltd, one of the reputable independent financial advisory firms in Singapore As a dad now, I have a new found perspective on financial matters concerning parents. I share many of the concerns that you have and as I search for answers myself, I'll share them through my articles.

2 thoughts on “AVIVA My Multipay Critical Illness vs AIA Triple Critical Cover (Critical Illness Coverage)

  • June 6, 2017 at 11:25 pm

    Hi Josh.

    I clicked on both the online brochures of both companies.
    How do you know that AIA covers 8 more conditions than Aviva as I could not find how many illness that are covered by Aviva where AIA states 104+5 Special Conditions?

    • June 23, 2017 at 11:51 am

      Hi there

      The conditions covered under Mymultipay are found on the product summary only.

      There are 36 CI conditions and 59 Early/Intermediate CI conditions.

      There is also the 10 special benefits conditions covered for adults.


Leave a Reply

Your email address will not be published. Required fields are marked *