Critical Illness Protection

AIA i-Critical Illness Cover

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AIA i-Critical Illness Cover

An affordable takaful plan that covers you for 39 critical illnesses at an affordable price. This plan is suitable if you’re looking for basic critical illness coverage plan.

Coverage Period
Yearly renewable up to 70 years old
Eligible Age
16 - 55 years old
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Benefits

Critical illness protection

Receive a lump sum payment of 100% of your coverage amount if you are diagnosed with one of the 39 covered critical illnesses, except for angioplasty and other invasive treatments for coronary artery disease.

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Critical illness protection

Receive a lump sum payment of 100% of your coverage amount if you are diagnosed with one of the 39 covered critical illnesses, except for angioplasty and other invasive treatments for coronary artery disease.

Angioplasty and other invasive treatments

10% of the coverage amount shall be payable, subject to a maximum of RM25,000 (limited to 1 payment only).

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Angioplasty and other invasive treatments

10% of the coverage amount shall be payable, subject to a maximum of RM25,000 (limited to 1 payment only).

Flexibity in coverage amount

Choose your coverage, from RM50,000 to RM250,000.

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Flexibity in coverage amount

Choose your coverage, from RM50,000 to RM250,000.

Surplus distribution

If there is any excess from the takaful risk fund at the end of every year, AIA PUBLIC Takaful will share it with the eligible participants at a 50:50 ratio.

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Surplus distribution

If there is any excess from the takaful risk fund at the end of every year, AIA PUBLIC Takaful will share it with the eligible participants at a 50:50 ratio.

Frequently Asked Questions

Takaful is a mutual assistance scheme based on the principles of solidarity, brotherhood, and cooperation. Each participant agrees to contribute on the basis of Tabarru’ (donation) into a fund called Participants’ Risk Fund (PRF), which will be used to assist each other in times of need. AIA PUBLIC Takaful Bhd. (AIA PUBLIC) as a Takaful Operator is entrusted to properly invest and manage this fund in accordance with the investment strategy that complies with Shariah principles.

AIA i-Critical Illness Cover is a yearly renewable critical illness takaful plan which provides coverage for 39 critical illnesses up to age 70.

This plan is commission-free and no intermediaries are involved in the marketing of AIA i-Critical Illness Cover.

This plan is available to individuals aged 16 to 55, subject to underwriting.

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.

Note: For more information about claims or nomination, please refer to the Claims FAQ.

Read the FAQ to learn more about AIA i-Critical Illness Cover

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 contribution payable will increase depending on your attained age when the Contribution is due.
  • The contributions for this plan is not guaranteed and AIA PUBLIC reserves the right to revise the contribution by giving you 90 days written notice.
  • The contributions made 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 critical illnesses.
  • This plan is underwritten by AIA PUBLIC Takaful Bhd. (AIA PUBLIC) and AIA PUBLIC is licensed under Islamic Financial Services Act 2013 and regulated by Bank Negara Malaysia.

Member of PIDM

Protection by PIDM on benefits payable from the unit portion of this certificate / policy / product is subject to limitations. Please refer to PIDM’s TIPS Brochure or contact AIA or PIDM. 
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