- Overview
- Benefits
- Terms & Conditions
Benefits
Frequently Asked Questions
AIA Critical Illness Cover is a yearly renewable critical illness insurance plan which provides coverage for 39 critical illnesses up to age 70.
This plan is commission-free and no intermediaries are involved in the sales or marketing of AIA Critical Illness Cover.
The amount of coverage you need depends on your affordability, current financial obligations and the future financial needs of you and your family. You can calculate your estimated protection needs by clicking on the “Know Your Budget” button here.
Benefit | Coverage Amount* |
---|---|
Critical Illness | RM 50,000 RM 100,000 RM 150,000 RM 200,000 RM 250,000 |
* Subject to a maximum of RM250,000 per life, per insurance plan.
The 39 covered critical illnesses under this plan are:
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*In the event of Angioplasty and Other Invasive Treatments for Coronary Artery Disease, 10% of the coverage amount shall be payable, subject to a maximum of RM 25,000 (limited to 1 payment only). The coverage amount shall be reduced by this advance payment.
Please refer to the Policy Contract for the exact definitions of the covered critical illnesses listed above.
Note: For more information about claims or nomination, please refer to the Claims FAQ.
Terms & Conditions
- Benefits are payable if you survive at least 15 days from the date of diagnosis of any of the 39 critical illnesses or a covered surgery.
- The premium payable will increase depending on your attained age when the premium is due.
- The premiums for this plan is not guaranteed and AIA reserves the right to revise the premium by giving you 3 months' written notice.
- The premiums paid for this plan may qualify you for a personal tax relief, subject to the final decision of the Inland Revenue Board of Malaysia.
- You will have to serve a waiting period before you can make any claims under this plan. Different waiting periods shall apply for different illnesses.