AIA Vitality programme is operated in Malaysia by AIA Health Services Sdn. Bhd (AHS) (a member of the AIA group of companies).

These terms and conditions apply to the AIA Vitality programme in Malaysia and the provision of any benefits thereunder.

The most up-to-date version of these terms and conditions is available on the AIA  website. Alternatively, you can request a hard copy by contacting us at 1 300 88 1899, for overseas customers call 603-2056 1111. We recommend that you periodically check these terms and conditions, the AIA Vitality Terms of Use, the AIAV PICS, and the membership guide on the AIA website. The date of the latest version of these terms and conditions can be found at the end of this document under the heading 'Last Updated'.

You must read these terms and conditions before you apply to become a member of the AIA Vitality programme. These terms and conditions contain important information. 

If you do not understand these terms and conditions or have any questions about these terms and conditions, please contact us at https://www.aia.com.my/en/help-support/contact-us/enquiry-form.html. Our representatives will be happy to assist you and answer any question you may have. 

By applying to become an AIA Vitality programme member, by paying the annual AIA Vitality membership fee to AHS or by participating in the AIA Vitality programme or by accessing any benefit or reward, you will be deemed to have:

1. read and agreed to be bound by these terms and conditions, the AIA Vitality Terms of Use applicable to our websites, online facilities, smart phone/tablet applications, tools, information, materials and contents relevant to the AIA Vitality programme and the membership guide;
2. consented to the collection, use (including without limitation, handling and processing) and disclosure of your personal information in accordance with the AHS Privacy Policy and AIAV PICS applicable to the AIA Vitality programme; and
3. acknowledged and agreed that AHS may make changes to the terms and conditions, AIA Vitality Terms of Use, membership guides, AIAV PICS, AHS Privacy Policy at any time and agree to be bound by these documents as amended and any other rules, regulations, policies or procedures that may be adopted, promulgated, implemented, modified or varied by AHS from time to time. AHS have the sole right to interpret, apply and disapply the terms and conditions, AIA Vitality Terms of Use, membership guide, AIAV PICS, AHS and any other rules, regulations, policies or procedures.

Once you are an AIA Vitality member, you have a choice on whether or not to access or use the benefits on offer under the AIA Vitality programme. If you choose to access or use a benefit, in addition to these terms and conditions, the AIA Vitality Terms of Use, AIAV PICS and the AHS Privacy Policy, you will be bound by any additional terms and conditions set out in the relevant membership guide, as well as any other requirements which may be stipulated in writing by a partner of the AIA Vitality programme from time to time. You can obtain the full set of membership guide from the AIA website, or alternatively, please contact us at https://www.aia.com.my/en/help-support/contact-us/enquiry-form.html.

AHS shall have the sole discretion to unilaterally (1) modify AIA Vitality programme structure, make changes, in whole or in part, with or without notice, to any aspect of the AIA Vitality programme, benefits, rules, regulations, policies, procedures, conditions of participation or other features including these terms and conditions, the AIA Vitality Terms of Use, the AIAV PICS, the AHS Privacy Policy, the membership guide and any other terms and conditions communicated in any other materials relating to the AIA Vitality programme, even though changes may affect the points earned (or to be earned) and accumulated and the benefits entitlement; and (2) terminate, suspend, cancel, deactivate, recall or revoke AIA Vitality programme (in whole or in part) at any time, upon reasonable notice where it is possible and/or practical to give such notice. Any revised version of the terms and conditions shall be effective as at the date of publication on the website. Any continuous subscription or use of, or participation in, AIA Vitality programme by you will be deemed as your unequivocal acceptance of any amendment to these terms and conditions. AHS, AIA Bhd., AIA PUBLIC Takaful Bhd, the AIA group of companies and their partners shall not be liable for any loss or damage resulting from any amendment to these terms and conditions.

It is your responsibility to keep yourself up to date in respect of AIA Vitality programme and these terms and conditions.

We also reserve the right to change the identity and range of partners, benefits structure / incentives / discounts / cash back (including status thresholds, benefit, and reward entitlements) and eligibility conditions at any time.

For example, AHS may, among other things:

A. Change the ways in which AIA Vitality points and AIA Vitality status levels (also known as points and status throughout these terms and conditions) are earned, credited, accumulated or structured;

B. Change the number of points required to access or use a benefit;

C. Change the ways in which points or benefits may be redeemed;

D. Add, limit, change, replace or remove partners;

E. Add, limit, change, replace, limit, cancel, withdraw or remove any benefit, incentive or cash back;

F. Change the annual membership fees;

G. Change any other features, concessions or benefits of the AIA Vitality programme; and/or

H. Adopt or implement any legal requirement, decision, recommendation, regulatory guidance or standard of any court, tribunal, ombudsman service or regulator.

We shall use reasonable effort to notify the AIA Vitality members of changes or variations to the AIA Vitality programme by posting details of the changes on the AIA website. Where we consider that changes to the AIA Vitality programme will be significant, we shall endeavour to provide AIA Vitality members with reasonable notice of the changes in advance. This notice may be provided electronically, including by email (sent to your last notified email address) or by posting details of the change(s) on the AIA website.

If you are not satisfied with any changes or variations to the AIA Vitality programme, you may terminate your membership under clause 9 (Termination of membership) of these terms and conditions.

AIA Vitality membership is granted based on the sole discretion of AHS and AHS may refuse membership to any applicant.

AIA Vitality membership year commences on the date the AIA Vitality membership begins and runs for a 12-month period. The AIA Vitality membership year can start on any day of the calendar year.

You may become an AIA Vitality member in one of three ways:

A. You are named as a life insured under a new Eligible Policy/Certificate with AIA Bhd. or AIA PUBLIC Takaful Bhd. (collectively referred to as “AIA”) and fulfil the AIA Vitality requirement (if any) of the policy. You may apply for AIA Vitality at the same time and your membership will be activated following registration and receipt of payment details for the payment of your AIA Vitality membership fee.

B. You are named as a life insured /certificate holder under an existing Eligible Policy/Certificate with AIA and fulfil the AIA Vitality requirement (if any) of the policy. You may apply for AIA Vitality at any time and your membership will be activated following registration and receipt of payment details for the payment of your membership fees.

C. You are a member of any of AIA Corporate Solutions insurance policy/takaful certificate where your employer elected to provide this AIA Vitality programme for you. Your spouse or dependent may be eligible if so elected by your employer; however this shall be subjected to AHS’ discretion.

AHS may, in its absolute discretion, allow other methods of applying for an exclusive membership of AIA Vitality programme. Please refer to clause 10.6 of these terms and conditions for further information relating to exclusive memberships.

To qualify as an AIA Vitality member, you have to meet the following requirements:

A. You must be 16 years or older (as of last birthday)

B. You must be the current life-insured /person covered of an Eligible Policy/Certificate or the insured member/covered member under your employer’s Corporate Solutions policy;

C. You must provide a valid unique email address and identification number; and

D. Your annual membership fee is duly paid.

The AIA Vitality member must be a living individual, and membership is not available to corporations or other legal entities. Membership is granted at the sole discretion of AHS. Each individual is entitled to only one AIA Vitality membership in each jurisdiction.

AHS may, in its absolute discretion, allow certain individuals who do not meet the qualifying conditions set out above to become an AIA Vitality member (exclusive memberships). Please refer to clause 10.6 of these terms and conditions for further information relating to exclusive memberships.

AIA Vitality members will be issued a membership number and electronic membership card (e-membership card) which is available within the AIA+ app. The use of this number / e-membership card or associated benefits is deemed to be an acceptance of these terms and conditions and any other applicable rules, regulations, policies or procedures related to the benefit provided by AHS and their partners.

You will receive your AIA Vitality e-membership card after AHS accepts your application. AHS shall not be responsible in the event of any error in your application or your failure to receive your AIA Vitality e-membership card due to the provision of incomplete or inaccurate particulars or information (including payment details) or an obsolete, incomplete or inaccurate mailing or email address.

You may need to present your AIA Vitality e-membership card and/or your AIA Vitality membership number at our partners to earn points and enjoy the benefits. If you fail to present your AIA Vitality e-membership card at our partners when requested, you may not be able to claim such points and benefits retrospectively.

AIA Vitality programme membership and AIA Vitality e-membership card are non-transferable and non-assignable, and will be used exclusively only by you. You will remain liable for all transactions incurred from usage of the AIA Vitality e-membership card (whether authorised or otherwise), where investigations made by AHS reveal that you are a party to any actions regarding any transactions effected through the use of the AIA Vitality e-membership card.

You will have to notify AHS of any suspected or actual unauthorised use of your AIA Vitality e-membership card, and obtain confirmation of your notification. Without such notification, you will be deemed to be liable for transactions using your AIA Vitality e-membership card or under your username and password.

By applying for and using the AIA Vitality e-membership card, you agree and undertake:

A. Not to use the AIA Vitality e-membership card for any commercial, fraudulent or unlawful purposes or purposes which are deemed unacceptable by AHS or which are prohibited by these terms and conditions;

B. To promptly notify AHS of any unauthorised use, of the AIA Vitality e-membership card;

C. To change your password immediately and notify AHS immediately and request a new password if you have reason to suspect that the security and/or confidentiality of your password has been compromised;

D. To pay all fees relating to the use of your AIA Vitality e-membership card as AHS may prescribe from time to time; and

E. To only use the AIA Vitality e-membership card in good faith and in accordance with these AIA Vitality terms and conditions.

Your AIA Vitality e-membership card is and will at all times remain AHS 's property and you will not have access to the card nor its benefits immediately upon termination of your AIA Vitality e-membership or on our request due to a breach by you of these terms and conditions, the Terms of Use or for breach of any membership guide or the terms or conditions of any other membership documentation.

Should you have any technical issues or enquiries regarding your AIA Vitality e-membership card, please contact us at https://www.aia.com.my/en/help-support/contact-us/enquiry-form.html.

AIA Vitality is a unique insurance/takaful and health programme that actively supports and rewards you for making healthy choices every day so you can live a healthier, longer and better life. It aims to reward AIA Vitality members who are proactive about improving their health and general well-being by providing benefits which may include discounts, exclusive offers, cash back rewards and other benefits relating to goods and/or services offered by AHS and our partners from time to time. For more information, please refer to the AIA website.

Unless otherwise set out in the relevant membership guide, only an AIA Vitality member can enjoy the benefits. Benefits may only be used for personal and not business purposes.

As a general rule, you will be eligible to access benefits when you have been notified by us that your membership has been accepted. Certain benefits may not be accessible immediately and may be subject to a processing or waiting period. The relevant membership guide will explain when that benefit will be available and the relevant terms and conditions applicable to obtaining each benefit. Please refer to the membership guide on the AIA website for more information.

In some cases, certain benefits or partner discounts will not be applied at the point of sale. Instead these benefits or discounts may be consolidated on a periodic basis in the form of rebates. Where applicable, you will receive such rebates by electronic funds transfer or vouchers, or such other method as may be determined by us from time to time at our sole discretion and subject to applicable laws. For more information, please refer to the relevant membership guide on the AIA website.

Additional fees, including but not limited to, activation fees, monthly fees and subscription fees, may be payable for the utilisation of certain benefits. The fees may be payable directly to the partner or to AHS. Please refer to the membership guide on the AIA website for more information. Where possible, we will endeavour to give you advance notice of the introduction of, or increase to, any fees payable for the utilisation of certain benefits. This notice may be provided electronically, including by email (sent to your last notified email address) or by posting details of the change(s) on the AIA website.

If you are not satisfied with the introduction of, or increase to, any fees payable for the utilisation of certain benefits, you may terminate your membership under clause 9 (Termination of membership) of these terms and conditions.

Benefits are provided by our partners. These partners are separate and independent entities, and AHS and/or AIA shall not be responsible for the nature or quality of products or services provided by those partners, nor for any solicitation efforts by those partners. The products and services offered by our partners are not sold or marketed by AHS, and the provision of the same may also be subject to certain terms and conditions of our partners. Our partners may apply additional terms and conditions with regard to the availability and eligibility of earning AIA Vitality points.

AHS makes no representations or warranties, express or implied, of any kind with respect to any benefit, including price, availability, quantity, quality, accuracy, timeliness, usefulness, merchantability or fitness of any product or service provided as part of a benefit, including without limitation, success rate or fitness for a particular purpose and quality.

AHS will not be liable for any loss, injury, claim or damage suffered or incurred as a direct or indirect result of an AIA Vitality member’s use of a product or service or reliance upon advice with respect to any benefit. AHS shall have no liability for partner withdrawals from the AIA Vitality programme or for award changes or cancellations caused by partner withdrawals, discontinued partner service, or award or point accrual cancellations for any reason.

Any dispute about any products or services provided as part of a benefit must be resolved directly with the relevant partner.

By joining and participating in the AIA Vitality programme, you understand and acknowledge that your name, address and certain other personal data of yours may be shared with some or all of our partners for the purpose of providing you with the services in relation to AIA Vitality programme.

In addition to the above, you may opt in, by indicating as such in the application form or other available channels to receive promotional materials, mailings or emails from AHS, AIA with respect to insurance or takaful products or our partners with respect to the partners’ products and services. For details, please refer to clause 10.3 below, AIAV PICS and AHS Privacy Policy.

A partner (alone or jointly with AHS) may issue a membership guide which sets out the rules governing the use and access to a benefit. You can obtain the full set of membership guide from the AIA website, or alternatively, please contact us at https://www.aia.com.my/en/help-support/contact-us/enquiry-form.html.

Representations in the membership guide made on behalf of our partners are based upon information that AHS has received from them, such information having been provided to us along with assurances from our partners that it is accurate.

AHS does not assume any legal liability or responsibility for the completeness, accuracy, adequacy or currency of the contents of any membership guide or any other advice or information provided with respect to any benefit.

All information in a membership guide and other information provided with respect to any benefit is general information only and are not in any way intended to be financial, medical, nutritional, health, fitness, legal or other advice or as a substitute for such advice. Any such information is not provided to promote or influence you to acquire any product or service.

Membership guide and other information provided in respect of benefits do not take into account your personal circumstances and are subject to change. You should obtain professional advice from a medical practitioner, pharmacist, dentist, nutritionist or other appropriate health professional in relation to your own personal circumstances or in relation to the diagnosis or treatment of any medical condition. If necessary, you should consult with such a professional. Importantly, the results of any benefits, devices, services, software available, assessments, health checks, consultations or tools cannot replace any advice a doctor or other health professional gives. You should not change or discontinue any assistance or treatment you may be receiving on the basis of information provided in relation to any benefits, devices, services, software available, assessments, health checks, consultations or tools accessed or used without first consulting your healthcare provider. Medicines you use for your physical or mental health may also affect the results of any benefits, devices, services, software available, assessments, health checks, consultations or tools accessed or used. You should also seek professional advice immediately should any symptoms you may be experiencing persist or change.

By taking part in the AIA Vitality fitness assessment with an AIA Vitality gym partner (and/or its franchisees) and/or by using the AIA Vitality gym partner’s and/or its franchisees’ services and/or facilities (Activity) you:

A. Authorise, agree and consent to AHS collecting, using (including handling and storing) and/or disclosing personal and sensitive information in connection with the Activity or the AIA Vitality programme in accordance with the AIAV PICS and AHS Privacy Policy available at aia.com.my

B. Authorise, agree and consent to the relevant gym partner collecting, using (including handling and storing) and/or disclosing personal and sensitive information in connection with the Activity or the AIA Vitality programme in accordance with its Privacy Policy available on its website and in the absence of such a provision, in all cases to AHS;

C. Acknowledge and agree that to the extent permitted by law, AHS and the relevant gym partner exclude any and all liability to you under contract, tort, statute, equity or in any other manner, for any injury (including without limitation death, personal, bodily or mental injury), damage or loss of any kind whatsoever (including without limitation, any liability for direct, indirect, special or consequential loss or damage) sustained by you or any other person, or for any costs, charges or expenses incurred by you or any other person arising from or in connection with the Activity and/or any act or omission of AHS and/or the relevant gym partner, except to the extent that such injury, damage or loss is caused by the gross negligence (meaning that the act was done or omitted to be done with reckless disregard, with or without consciousness for the consequences of the act or omission) of AHS and/or the relevant gym partner. In such case, the liability of the respective party will be limited to the injury, damage or loss directly caused by that partys gross negligence. This clause does not exclude, or intend to exclude, any consumer guarantees applicable to the Activity and to the extent that it does this clause has no effect;

D. Represent that you are in good physical and mental condition and have no health and medical reason, impairment or disability that might prevent you from undertaking the Activity. You acknowledge that neither AHS nor the gym partner is in a qualified position to provide you with medical advice related to your physical condition and/or inability to undertake the Activity;

E. Agree to obtain professional advice from a medical practitioner, pharmacist, nutritionist or other appropriate health professional in relation to your own personal circumstances or in relation to the diagnosis or treatment of any health / medical condition. If necessary, you agree that you will regularly consult with such a professional. You also agree to seek professional advice immediately should any symptoms you may be experiencing persist or change; and

F. Acknowledge and agree that the results of the Activity are not a substitute for medical advice or treatment and must not be used for diagnosing or treating a health problem or to replace your doctor or healthcare professional. You agree not to change or discontinue any assistance, medication or treatment you may be receiving on the basis of information provided in relation to the Activity without first consulting your doctor or health professional. Medicines you use for your physical or mental health may affect the results of the Activity. Any reliance by you on the information provided in undertaking the Activity will be at your own risk. AHS and the gym partner make no express or implied representation or warranty regarding the completeness, accuracy, reliability or currency of the information or results provided.

By taking part in the nutrition benefits including Nutrition Management, Weight Management and Diabetes Management programmes with an AIA Vitality nutrition partner (and/or its franchisees) and/or by using the AIA Vitality nutrition partner’s and/or its franchisees’ services (Activity) you:

A. Authorise, agree and consent to AHS collecting, using (including handling and storing) and/or disclosing personal and sensitive information in connection with the Activity or the AIA Vitality programme in accordance with the AIAV PICS and AHS Privacy Policy available at aia.com.my;

B. Authorise, agree and consent to the relevant nutrition partner collecting, using (including handling and storing) and/or disclosing personal and sensitive information in connection with the Activity or the AIA Vitality programme in accordance with its Privacy Policy available on its website and in the absence of such a provision, in all cases to AHS;

C. Acknowledge and agree that to the extent permitted by law, AHS and the relevant nutrition partner exclude any and all liability to you under contract, tort, statute, equity or in any other manner, for any injury (including without limitation death, personal, bodily or mental injury), damage or loss of any kind whatsoever (including without limitation, any liability for direct, indirect, special or consequential loss or damage) sustained by you or any other person, or for any costs, charges or expenses incurred by you or any other person arising from or in connection with the Activity and/or any act or omission of AHS and/or the relevant nutrition partner, except to the extent that such injury, damage or loss is caused by the gross negligence (meaning that the act was done or omitted to be done with reckless disregard, with or without consciousness for the consequences of the act or omission) of AHS and/or the relevant nutrition partner. In such case, the liability of the respective party will be limited to the injury, damage or loss directly caused by that partys gross negligence. This clause does not exclude, or intend to exclude, any consumer guarantees applicable to the Activity and to the extent that it does this clause has no effect;

D. Agree to obtain professional advice from a medical practitioner, pharmacist, nutritionist or other appropriate health professional in relation to your own personal circumstances or in relation to the diagnosis or treatment of your health / medical condition. If necessary, you agree that you will regularly consult with such a professional. You also agree to seek professional advice immediately should any symptoms you may be experiencing persist or change; and

E. Acknowledge and agree that the results of the Activity are not a substitute for medical advice or treatment and must not be used for diagnosing or treating a health problem or to replace your doctor or healthcare professional. You agree not to change or discontinue any assistance, medication or treatment you may be receiving on the basis of information provided in relation to the Activity without first consulting your doctor or health professional. Medicines you use for your physical or mental health may affect the results of the Activity. Any reliance by you on the information provided in undertaking the Activity will be at your own risk. AHS and the nutrition partner make no express or implied representation or warranty regarding the completeness, accuracy, reliability or currency of the information or results provided.

As a new AIA Vitality member, your default status will be Bronze. Points earned throughout your AIA Vitality membership year are added towards your status. The more points you earn, the higher the status you will achieve. The different status levels are: Bronze, Silver, Gold and Platinum. To move up a status, you will need to accumulate a sufficient number of points to reach the relevant status. The table below sets out how many points are needed for each status at the date of these terms and conditions.

As your status changes, the benefits you are entitled to and the terms relating to those benefits may change. Please refer to the membership guide for further information.

As an AIA Vitality member, you will earn points for completing certain activities. Additional rules such as age and gender rules apply to some activities. Please refer to the partner membership guide on our website for further details. The number of points you can earn will depend on a range of factors such as the activity you are doing and your health goals and risk factors. We may adjust the number of points you can earn for each activity depending on your individual health status or how important the activity is to your health status. Certain activities and/or groups/categories of activities may have limits as to how many points you can earn over a certain time period.

Additional terms and conditions may apply to each activity. Please refer to the relevant membership guide for further details.

AIA Vitality Points will be awarded to you in accordance with the terms and conditions as determined by us and the respective partner from time to time. In some cases, it may take approximately 30 days for your points to be reflected. We assume no control, responsibility or liability as to the awarding of or any delay in the awarding of points or posting of transactions into your membership account by the respective partners.

AHS and its partners may run promotions from time to time offering bonus AIA Vitality Points. Qualification for these bonus points is subject to terms and conditions of each individual promotion. Where a promotion requires pre-registration, bonus points will only be credited if members complete the registration process at our website prior to purchase or consumption of our partner’s products and services.

AHS and its partners may exclude specific activities from the crediting of AIA Vitality Points with or without notice to members. In some cases, AIA Vitality Points may not be earned in conjunction with other promotions or discounts offered by AHS and/or its partners. You are advised to check with us and/or our partners.

It is your responsibility to check that all points are reflected accurately.

AHS reserves the right to audit any and all your activities to ensure compliance with these terms and conditions and other applicable rules, regulations, policies or procedures relating to the AIA Vitality programme, without notice to you. During the course of audit or investigation, we may share your account information with our partners and also third parties with whom we have contracted to assist in perform such audit or investigation. In the event that an audit reveals discrepancies or possible violations, we may delay the processing of the awarding of AIA Vitality Points, cancel any outstanding redemption, withhold statements or suspend your account pending completion of an audit. Upon completion of an audit, if discrepancy or violation has been determined by us, in addition to any other remedies we may have, the AIA Vitality Points may be removed from your account and/or your AIA Vitality Status may be downgraded to remedy any such discrepancy or violation with or without notice to you.

Any disputes in connection with or arising from the points awarded must be notified to us as soon as possible and in any event, within 45 days from the date of activity, by contacting us at https://www.aia.com.my/en/help-support/contact-us/enquiry-form.html. We may need you to provide us with supporting documents wherever applicable to assist us in settling any disputes. If we do not receive any notifications from you within the stipulated timeframe of any disputes or inaccuracies on your points, the points statement will be taken to be correct, final and binding on you. Our decision on any such dispute shall be final and conclusive.

You can monitor your points by logging on to the AIA website, via the AIA+ app or by contacting us at https://www.aia.com.my/en/help-support/contact-us/enquiry-form.html. There may be a delay for points to be loaded and / or reflected on your points statement or on any of the above platforms.

Your status will remain in place from the time you earn the relevant status until the end of the next AIA Vitality membership year unless changes are made to your membership. At the anniversary of your AIA Vitality membership, AIA Vitality members will carry over their status earned from the previous year. However, in the year after that AIA Vitality membership year, you will lose your status if you do not earn enough points to maintain it.

Your points will expire at the end of the AIA Vitality membership year in which the points are earned. No points will be carried over into the subsequent year. Points earned in one AIA Vitality membership year must be claimed within 30 days from the anniversary of your AIA Vitality membership. If you do not submit the proof of participation or required documents within this period, the points will not be awarded.

The membership of AIA Vitality programme is personal to you and will not be assigned at law or in equity. Accrued AIA Vitality Points do not constitute your property.

AIA Vitality Points generated under this AIA Vitality programme apply to certain qualified benefits offered by the partners in Malaysia only. They are not transferrable to other AIA vitality schemes operated elsewhere in the world (and vice versa).

Except as provided otherwise in these terms and conditions or in any other documents relating to AIA Vitality programme, you cannot transfer, assign, sell, barter or pledge your points, your status, membership rights or rights to benefits or points to another person or another membership. AIA Vitality Points cannot be bequeathed or devised. Points cannot be redeemed for cash and cannot be returned for any other consideration.

If points, awards or benefits are purchased from an unauthorised source, such transactions are voidable and you will be liable for the full, unrestricted value of awards issued as a result of improper or fraudulent transfers and/or redemptions and otherwise in violation of the terms of the AIA Vitality programme.

On some benefits you may be required to utilise and/or purchase the partner’s facility, goods and/or services a specified minimum number of times or amounts. Failure to meet these minimum utilisation rules could result in your rights to the benefit being altered or terminated. Please see the relevant membership guide on the AIA website for more details.

Participation and membership in AIA Vitality programme is subject to the payment of an annual membership fee. All annual membership fee will be payable to us on or before your annual membership fee due date. Annual membership fees may be collected together with, or separately from, your AIA insurance policy premiums or takaful contribution as determined by AHS.

Where required by AIA and where permitted by law, you must procure that the policy owner of the Eligible Policy/ Certificate or Corporate Solutions policy pays the annual membership fee for the AIA Vitality membership.

You will be advised to pay the annual membership fee for any renewal year prior to the annual membership fee due date. We reserve the right to vary the annual membership fee provided we notify you in advance of the new annual membership fee prior to the annual membership fee due date. If you are not satisfied with the revised fee amount, you may terminate your membership in accordance with clause 9 of these terms and conditions.

You must pay your annual membership fee on an annual or such other periodic basis and using such payment methods as may be approved by us. Each periodic payment is an instalment of the current year’s annual membership fee.

For members under the Corporate Solutions policies, the membership fee is paid by the respective employers.

If we do not receive payment of your annual membership fee by the end of the grace period, your AIA Vitality membership will automatically terminate. Your AIA Vitality membership, points and status will remain in force during the grace period.

If you cease to be insured/covered by AIA under an Eligible Policy/Certificate or Corporate Solutions policy as elected by that insured's employer.

If you cease to be insured/covered under an Eligible Policy/Certificate, your membership is automatically terminated when your annual membership fee is due or if you are paying your membership fee other than on an annual basis, at the next membership fee due date, whichever is earlier.

If you cease to be insured/covered under a Corporate Solutions policy, your membership is automatically terminated at point of cessation of the Corporate Solutions policy.

Your membership is also automatically terminated in the event of member’s demise, and all AIA Vitality Points accumulated by the deceased member will be void.

You may request for a refund of the unused portion of your paid annual membership fee PROVIDED you have not utilised any of the benefits under your AIA Vitality membership.

If you do not wish to continue with your AIA Vitality membership, you may choose to stop paying your membership fee and your membership will expire accordingly.

On termination of your AIA Vitality membership, you may or may not automatically terminate your existing relationship with partners as you may still be subject to the notice period of certain partners and to any other relevant terms and conditions of such partners.

We reserve the right to terminate, suspend, cancel, deactivate, recall or revoke the AIA Vitality programme (in whole or in part) at any time and do not guarantee that the AIA Vitality programme will continue indefinitely or that it will be managed and owned by us.

We further reserve the right to terminate, suspend or deactivate your AIA Vitality membership (in whole or in part, including your access and right to utilise one or more of the benefits), your transaction(s), AIA Vitality e-membership card, points and/or forfeit the accumulated points, for reasons which include (but are not limited to):

A. if we detect or suspect any unusual, irregular, suspicious, fraudulent or unauthorised use or activity or any conduct/misconduct

B. detrimental to the interests of AHS and/or AIA, any threatened or actual breach by you of the AIA Vitality terms and conditions, AIA Vitality Terms of Use or of any membership guide;

C. if you do not or no longer qualify (or we suspect that you do not or no longer qualify) for an AIA Vitality membership under these terms and conditions;

D. if you do not pay the AIA Vitality Membership Fee or any other fees payable to us or any of our partners;

E. if we believe that you are abusing or misusing the benefits, awards or privileges of the programme;

F. if you are no longer a life insured/covered person of an eligible plan to which the AIA Vitality membership is linked, or the primary insured of Corporate Solutions policy.

In the event of termination of the AIA Vitality programme or the cancellation of membership in the AIA Vitality programme, we shall notify you in writing of such termination or cancellation by posting details on the AIA website, and/or by sending an email to the last notified email address as specified by you.

Subject to the terms of our agreement with relevant partners, we shall use reasonable endeavours to allow AIA Vitality members to access their benefits ordered as at the date of termination of the AIA Vitality programme for a period of 45 days from when we issue notification of the termination of the AIA Vitality programme.

If your membership is terminated for any reason:

A. Subject to the terms of our agreements with the relevant partners and any other relevant terms and conditions of the relevant partners, your rights to discounts, benefits and rewards will cease upon the termination of your AIA Vitality membership.

B. You may be entitled to any outstanding cash back that you earned less any outstanding fees due to AHS, subject to the terms and conditions of the applicable partner cash back programme.

C. In the event that there are any unpaid sums owed to AIA Bhd or AIA PUBLIC Takaful Bhd or any of our partners in connection with your AIA Vitality membership, upon the termination of your AIA Vitality membership, we reserve the right to deduct any such unpaid sums from the benefits that you may have earned.

D. Any discounts or added benefits which may have applied in respect to your existing Eligible Policy/ Certificate will cease immediately upon termination of your AIA Vitality membership.

E. Any points and status will cease upon the termination of your AIA Vitality membership.

Membership of the AIA Vitality programme does not give rise to any legal relationship with AHS or AIA, other than being bound by these terms and conditions and the other governing documentation referred to in clause 1 of these terms and conditions, and when entitled to do so, to receive any benefits.

Nothing herein shall be construed as a representation by us that AIA Vitality programme and/or AIA Vitality e-membership card is/are available for use in geographic areas or jurisdictions other than Malaysia.

The AIA Vitality terms and conditions and other governing documentation (including but not limited to the AIA Vitality Terms of Use, AIAV PICS, Privacy Policy and membership guide) and the use of the AIA Vitality e-membership card shall be governed by and construed in accordance with the laws of Malaysia.

If for any reason, any provision or part of the AIA Vitality terms and conditions or any provision or part of any other governing documentation is found to be void or unenforceable, such provision or part of the AIA Vitality terms and conditions or of any other governing documentation shall be deemed to be severed from the AIA Vitality terms and conditions or such other governing documentation and the remainder of such provision or of the AIA Vitality terms and conditions or such other governing documentation, as the case may be, shall remain in full force and effect and may be enforced to the fullest extent possible.

Other benefit promotions, special discounts, competitions, exclusive offers etc. may be offered from time to time, including from us, our partners or affiliates. If they are offered, other terms and conditions may apply, which may be notified by mail, email, SMS, or the AIA website www.aia.com.my or other facility.

You consent to receive documents and other information in relation to your AIA Vitality membership and any other arrangements you have with us by way of electronic communication to your most recent email address we have in our records and authorise us to act on instructions received electronically. You also consent to us communicating electronically where some information can be obtained by following a hyper-link or by accessing an electronic address set out in the communication. You acknowledge that these consents and authority have effect to the maximum extent that we are permitted by law to act and provide information to you in accordance with these consents and authority.

We shall be entitled from time to time to contact you via electronic transmission (e.g. email), mail, SMS, MMS, telephone, fax and other means of communication (via any of your telephone numbers, whether registered in Malaysia or otherwise) in respect of your membership and participation in the programme. You acknowledge that hard copy documents and information may not be given and that electronic communications must be regularly checked. Notwithstanding these consents, we may still decide to send you hard copy documents and information in certain circumstances.

Any notice or other information to be given to you may be given in the form of updates to the AIA website, online facilities, electronic transmission (e.g. email), mail, SMS, MMS, telephone, fax and other means of communication (by any of your telephone numbers, whether registered in Malaysia or otherwise), at the address as may from time to time be notified in writing.

We shall use reasonable endeavours to transmit statements, notices and other material relevant to AIA Vitality members to advise you of various matters of interest, including changes to the programme, but we shall not be responsible for correspondence lost or destroyed. Any statement, notice or other material shall be deemed to have been given by us if it is uploaded to the AIA website or if it is sent to the email or physical mail address last notified to us by the AIA Vitality member for the AIA Vitality programme. You are responsible for advising us of any change in your contact details, including email and physical mail address, and ensuring that your email address remains current and unblocked and that communications from us are not filtered or placed in a location where you do not see them so that we can provide documents and other information to you. AHS shall not be liable for failure to deliver a notice to you where you have failed to comply with the foregoing.

By way of summary, we collect personal, health and sensitive information in a range of circumstances, including on registration, when you contact us, make an enquiry or use or request our products or services or the products or services of our partners. The types of personal and sensitive information we collect includes (amongst other things) your name and contact details, identifying information (e.g. date of birth), demographic and profile information (sex, age, etc.) and health and medical-related information. We also collect personal information about your interactions with us, including any contact we have with you by telephone, email or online. You hereby agree that any information provided by you for use in relation to the AIA Vitality programme is on a voluntary basis for your membership and participation in the AIA Vitality programme.

In order to provide you with proper advice and service, the servicing agent of your insurance policy/takaful certificate under which you are named as the life insured/person covered will have access to certain information related to your AIA Vitality membership. The information will be restricted to your benefits and rewards. No health information will be released to the servicing agent without your prior written consent.

AHS (and for the avoidance of doubt, its related bodies, corporate, and affiliates) may also use and disclose your personal information to provide marketing communications that may be of interest to you, including without limitation, about new AIA Vitality products and services as well as partner products and services. Communications may be provided on an ongoing basis by telephone, electronic messages (e.g. email and pop-ups), online (including websites and mobile apps) and other means. Before using your personal data for the marketing purposes, we must obtain your consent, and only after having obtained such consent may we use and/or provide your personal data for any promotional or marketing purpose. If you do not wish to receive direct marketing communications please indicate this where prompted (e.g. on the application form, by following unsubscribe instructions in the communications themselves or by contacting us at https://www.aia.com.my/en/help-support/contact-us/enquiry-form.html. Please refer to the AIAV PICS and AHS Privacy Policy for more information.

Any health or medical-related personal information you provide as part of your AIA Vitality membership will not be provided to the underwriting or claims departments of AIA Bhd. or AIA PUBLIC Takaful Bhd. and therefore will not be used in the making of any future underwriting or claims decisions. Under no circumstances shall AIA Bhd. or AIA PUBLIC Takaful Bhd. be deemed to have knowledge of any AIA Vitality programme related information in respect of its underwriting and claims functions. In accordance with your duty of disclosure, you are still therefore obliged to disclose any of this information to the extent it may be relevant in the event of any future application for insurance/takaful cover, changes to existing insurance/takaful cover or claims under an insurance policy/takaful certificate with AIA Bhd. or AIA PUBLIC Takaful Bhd.

Your membership of, and participation in the AIA Vitality programme is based on mutual trust. Where dishonesty or fraud or misrepresentation or abuse of AIA Vitality programme privilege is detected, benefits may not be awarded, your AIA Vitality membership may be cancelled, and the matter may be referred to the appropriate authorities. This AIA Vitality membership may become invalid and we may take other action consistent with our legal rights.

If any act or omission by you is dishonest or fraudulent or constitutes an abuse of the AIA Vitality programme privilege, or if any dishonest or fraudulent or improper means or devices are used by you, any member of your household or anyone acting on your or their behalf in relation to the AIA Vitality programme, then all benefits under this programme may be lost or forfeited, your AIA Vitality membership may also be cancelled and you may have to return to us any payments made by us and benefits provided by us, or any of our partners (or by any other party under our direction) as a result of your actions or the actions of any member of your household or anyone acting on your or their behalf as a result of any dishonest or fraudulent actions.

Under no circumstances, including as a result of its negligent acts or omissions or those of its officers, employees, directors, agents, advisers, contractors, partners or other persons for whom in law it may be liable, shall AHS be liable for any loss or damage of any nature which you, your beneficiaries or any third parties may sustain as a result of engagement in the AIA Vitality programme. By agreeing to these terms and conditions you, your beneficiaries and any third parties indemnify AHS accordingly.

All liability of AHS, AIA Group and/or partners and their respective officers, employees, directors, agents, advisers and/or contractors for any loss, damage, claim or expense (including but not limited to indirect, incidental, special, punitive or consequential liability, economic loss, loss of profits and loss of opportunity) you may incur or suffer that arises directly or indirectly out of these terms and conditions, any other governing documentation as set out in clause 1 of these terms and conditions or the AIA Vitality programme (regardless of whether we have any control over circumstances giving rise to the claim or not) including termination or suspension of your AIA Vitality membership, termination of the AIA Vitality programme and/or termination of any benefit, is hereby excluded to the maximum extent permitted by law. To the extent permitted by law, this applies even if we have been informed that the liability, loss, damage or expense will or may result. AHS, AIA Group and/or partners and their respective officers, employees, directors, agents, advisers and/or contractors disclaim all warranties, express or implied, in connection with the AIA Vitality programme and the benefits. If AHS, AIA and/or partners are liable to you in any way, our liability shall be limited to allocating to your AIA Vitality membership the number of points and/or status which we consider is appropriate in connection with which the relevant claim arose.

To the fullest extent permitted by law, AHS disclaims all express or implied warranties including, but not limited to, warranties of availability, price, satisfactory quality, merchantability and fitness for a particular purpose. AHS and AIA Group shall not be liable for any damage or loss of any kind directly or indirectly arising from or in connection with the AIA Vitality programme, any information, software, products, services, benefits or content obtained through the AIA Vitality programme, or your dealings with our partners and third party service providers available through the AIA Vitality programme.

AHS and AIA Group shall not be liable for any disruption to the AIA Vitality programme or any delay to or inability to provide any of the benefits cause by circumstances beyond the control of AHS including, but not limited to, failure of any service provider or other third party, merchant closure, strikes or industrial disputes, acts of God, flood, weather, natural disaster, unavailability, war, hostilities (whether war be declared or not) terrorism, rebellion, revolution, insurrection, military or usurped power or confiscation or civil disturbance.

Any third party links (including those of partners) provided by us on any of our websites, communication channels and social media are provided for your convenience. Their inclusion does not imply any approval or endorsement by us. We have no control over the content of those sites and accept no responsibility or liability in respect of them.

You must evaluate and bear all risks associated with the use of the content downloaded and acquired through our/third party (including partner) websites. We shall not be liable for any damage or loss of any kind directly or indirectly arising from or in connection with your use or inability to access our website /third party (including partner) links and/or use any related documents. Please note that the material (including, without limitation, workout and exercise tips, and information contained in applications and video clips), provided on any of our websites, communication channels and social media, including all text, photographs, images, illustrations, graphics, audio, video and audio-video clips, is provided by way of general information only. Whilst we, (including our holding company, subsidiaries and/or the subsidiaries of our holding company and any joint venture partners or affiliates), endeavour to ensure that the contents of the material are accurate, errors or omissions may occur and we do not accept any liability in respect of them.

We recommend that you consult with your physician before you undertake to follow any health and fitness recommendation you may receive from AIA Vitality programme, our websites, communication channels and social media. We are not a licensed medical provider and have no expertise in diagnosing, examining, or treating medical conditions of any kind, or in determining the effect of any specific exercise on a medical condition. AIA Vitality programme does not provide any medical advice or treatment. AIA Vitality programme is not intended to be a substitute for professional medical advice, diagnosis, treatment or management of care following an assessment in the event of abnormal health screen results. No recommendation is intended to be to be instructional for medical diagnosis or treatment. Should you have any health-related questions, please call or see your healthcare provider or doctor promptly. In the event of an emergency, call your healthcare provider or doctor immediately.

You expressly agree that your athletic activities carry certain inherent and significant risks of property damage, bodily injury or death and that you voluntarily assume all known and unknown risks associated with these activities even if caused in whole or part by the action, inaction or negligence of us or by the action, inaction or negligence of others (including partners). You also expressly agree that we do not assume responsibility for the inspection, supervision, preparation, or conduct of any race, contest, group athletic activity or event that may earn you points.

If you ever start to feel unwell or have discomfort at any time after trying the workout or exercise, stop immediately and seek further advice from your healthcare professionals. Do not disregard, avoid or delay obtaining medical or health related advice from your healthcare professional because of what you may have read on any of our website, communication channels and social media. Current health and fitness research may exist that could impact the information provided by us; information provided may not be based on the most recent findings or developments. We shall not be held responsible for any injuries and/or damages that may result from your participation in or engagement of the workout or exercise or any health and wellness programme, of which the information has been provided to or shared with you on any of our websites, communication channels and social media.

We do not accept any liability with respect to death, injury or any consequential damage or loss arising from or in connection with the AIA Vitality programme generally or from the supply of a benefit or service or from the loss, theft or destruction of a benefit (including, but not limited to vouchers).

You may incur a tax liability or disclosure obligation through joining or use of AIA Vitality programme. You should obtain your own financial or tax advice regarding any benefit you may receive through AIA Vitality. AHS is not liable for any financial or tax consequences that may arise. AHS reserves the right to provide any tax authorities with full details of any member’s accrual and redemption of benefits, upon request of a tax authority. AHS excludes all liability for cooperating with tax authorities in this matter.

Please also refer to the AIA Vitality Terms of Use, AIAV PICS, AIA Vitality Privacy Policy and other governing documentation set out in clause 1 of these terms and conditions.

From time to time and in our sole and absolute discretion, we may select individuals and offer exclusive memberships to them for AIA Vitality programme. In such circumstances the individual will be deemed to satisfy the eligibility criteria in these terms and conditions and other additional eligibility criteria as may be determined by us for the exclusive membership offer at our sole and absolute discretion. We may at our sole and absolute discretion waive the annual membership fee, the requirement to be insured under an eligible AIA Insurers insurance policy and/or takaful certificates, or other requirements of AIA Vitality membership. Whether a selected individual is offered an exclusive membership and the eligibility and rules applicable to such exclusive membership are in the absolute discretion of AHS.

These terms and conditions apply to such exclusive memberships, except where the terms and conditions are inconsistent with this clause 10.6, in which case this clause 10.6 will prevail to the extent of any inconsistency. If an exclusive membership is offered, other terms and conditions may apply, which may be notified by the AIA website, mail, email, SMS or such other facility as AHS determines in its sole and absolute discretion. We reserve the right to terminate, suspend, cancel, deactivate, recall or revoke an exclusive membership offered at any time.

To the fullest extent permitted by law, AHS disclaims all express or implied warranties including, but not limited to, warranties of availability, price, satisfactory quality, merchantability and fitness for a particular purpose. AHS and AIA shall not be liable for any damage or loss of any kind directly or indirectly arising from or in connection with the AIA Vitality programme, any information, software, products, services, benefits or content obtained through the AIA Vitality programme, or your dealings with our partners and third party service providers available through the AIA Vitality programme.

Without in any way limiting the termination rights of AHS or other rights contained in these terms and conditions or rights under rules, regulations, policies, procedures and other documentations relating to AIA Vitality programme, where a selected agent or a selected personnel of our business partner has been granted an exclusive membership, the exclusive membership will automatically be terminated on the occurrence of the earliest of one of the following applicable events: cessation of business; revocation of requisite license to distribute insurance products; cessation to be the agent or business partner (as the case may be) to distribute AIA insurance policies or takaful certificates; retirement; death. AHS reserves the right, and retains the sole discretion, to terminate or suspend the exclusive membership at any time without the need to provide reasons.

Other terms and conditions shall continue to apply to exclusive memberships and other rules, policies or procedures applicable to exclusive memberships may be adopted, implemented, amended or varied by us from time to time.

These terms and conditions, membership guide and other documentations issued by us relating to AIA Vitality programme are not intended to, and do not give any person who is not our member any right to enforce any of the provisions.

If any provision of these terms and conditions is prohibited by law or judged by a court or tribunal to be unlawful, void or unenforceable, the provision shall, to the extent required, be severed from these terms and conditions and rendered ineffective as far as possible without modifying the remaining provisions, and shall not in any way affect any other circumstances of or the validity or enforcement of these terms and conditions.

No failure or delay by AHS in exercising any or enforcing any right, power or privilege shall impair the same or operate as a waiver of the same nor shall any single or partial exercise of any right, power or privilege preclude any further exercise of the same or the exercise of any other right, power or privilege.

These terms and conditions and the relationship between you and AHS are governed by Malaysia laws. By joining the AIA Vitality programme, you agree to submit to the exclusive jurisdiction of the Malaysian courts.

If this English version of the terms and conditions do not conform to the other language version, or there is any conflict in meaning between the English version and any version or translation in other language, the English version shall prevail. In the event of dispute, AHS reserve the right to final decision.

In the terms and conditions, unless the context otherwise requires, the headings are inserted for convenience only and shall not affect the construction of these terms and conditions.

The following expressions have the following meanings:

Information is correct as of 19 March 2025.

AIA Vitality is a health and wellness programme, encouraging you to get healthier and earn great rewards. In order for AIA Vitality-related services to be provided to you, it will be necessary for us to collect, use and share certain personal data about you. Customers and potential customers expect us to maintain their information accurately, protected against manipulation and errors, secure from theft and free from unwarranted disclosure. We protect the data security of our customers and potential customers by complying with the Personal Data Protection Act 2010, and all relevant local laws, and ensure compliance by our staff with strict standards of security and confidentiality.

This statement ("AIAV PICS") provides you with notice as to why your personal data is collected, how it is intended to be used, to whom your personal data may be provided, from whom your personal data may be collected and how to access, review and amend your personal data. The provision of your personal data is voluntary: you may choose not to provide us with the requested data, but failure to do so may inhibit AIA Vitality's ability to provide you with its services.

AIA Vitality is operated by AIA Group Limited, AIA Company Limited, AIA Health Services Sdn. Bhd (collectively, the "AIA Vitality Operator") and members of the AIA group of companies ("AIA Group"). The AIA Vitality Operator will receive ongoing support from Discovery Limited (a company based in South Africa) and/or its affiliates ("DSY"),the [global operators of the AIA Vitality programme].

It is also important for you to note that [the underwriting and claims departments of] AIA Company Limited, AIA International Limited, AIA Bhd., AIA PUBLIC Takaful Bhd. or any other insurer/takaful operator within the AIA Group ("AIA Insurers") will not have access to your personal data (including health and medical information) provided to, or collected via, AIA Vitality. Accordingly, where you are applying for a new insurance policy/takaful certificate from the AIA Insurers, you acknowledge that any health, medical or other information that may affect the risk under an insurance policy/takaful certificate needs to be separately notified to the AIA Insurers even if you have already provided the information to the AIA Vitality Operator or the AIA Vitality Partners (as defined below). Similarly, if you are currently under any obligation to notify the AIA Insurers of the occurrence of any event or of the onset of any condition, or of the cessation of any such event or condition, then you will need to separately notify the AIA Insurers of the same even if you have already provided the information to the AIA Vitality Operator or the AIA Vitality Partners (as defined below).

By using this website, you are accepting the practices and policies in this AIAV PICS. If you object to any practices and policies in this AIAV PICS, please do not use this website to submit your personal information towards the AIA Vitality programme.

This website is for general information purpose only. While we use reasonable efforts to ensure the accuracy of the information on this website, AIA Vitality Operator and AIA Vitality Partners (as defined below) do not warrant its absolute accuracy or accept any liability for any loss or damage resulting from any inaccuracy or omission. Without prior permission from AIA Vitality Operator, no information contained on this website may be copied, except for personal use, or redistributed.

This website and our social media platforms are not intended for persons in jurisdictions that restrict the distribution of information by us or use of such social media platforms. If this is applicable to you, we would advise you to inform yourself about and observe the relevant restrictions. AIA Vitality Operator and AIA Vitality Partners (as defined below) do not accept liability in this respect.

Why we collect your personal data and how it may be used?

Personal data is collected for the following purposes:

• To process, administer, implement and effect the requests, transactions or membership services under AIA Vitality. In this regard, in addition to any personal data that the AIA Vitality Operator may collect directly from you, the AIA Vitality Operator may also need to collect from the AIA Vitality Partners (as defined below) information regarding your use of, and participation in (including progress and results from), the membership goods or services provided by the AIA Vitality Partners (as defined below);
• To design new or to enhance existing products, information and services to be provided under AIA Vitality;
• To communicate with you including to send you communications about any updates and future changes to AIA Vitality, your AIA Vitality membership and account, or this AIAV PICS;
• To provide other AIA Vitality and/or loyalty programme-related services such as online shopping at AIA Vitality website or AIA Vitality purchases;
• To personalise the appearance of our websites, mobile applications and social media platforms, provide information and services and provide targeted advertising on our website or through other channels;
• For statistical or actuarial research undertaken by the AIA Group, our partners who provide goods and services under AIA Vitality ("AIA Vitality Partners"), the financial services industry or our respective regulators;
• For advances data analytics, data matching, internal business and administrative purposes;
• to monitor and analyse your use of AIA Vitality pages in the mobile application in order to operate, evaluate and improve our services, understand your preferences and troubleshoot any problems;
• To facilitate payment for products and/or services provided by AIA Vitality Operator, any other member of the AIA Group or any AIA Vitality Partner, including but not limited to for the verification of credit card details with credit card issuers or other third party service providers, obtaining consumer credit reports from a credit reference agency and conducting match making procedures against databases of known fraudulent transactions maintained by AIA Vitality Operator, any other member of the AIA Group, any AIA Vitality Partner or third party;
• To assist in law enforcement purposes, investigations by police or other government or regulatory authorities and to meet requirements imposed by applicable laws and regulations or other obligations committed to government or regulatory authorities;
• Other purposes as notified at the time of collection; and
• Other purposes directly relating to any of the above.

Unless permitted by applicable laws and regulations, we will obtain consent from you if we wish to use your personal data for purposes other than those stated in this Privacy Statement.

For our policy on use of your personal data for promotional or marketing purposes relating to AIA Vitality, please see the section "Use of Personal Data for Direct Marketing Purposes" below.

Who may be provided with your personal data?

Personal data will be kept confidential but may, where permitted by law or such disclosure is necessary to satisfy the purpose or a directly related purpose for which the personal data was collected, provide such personal data to the following parties:

• Any of our affiliates and to DSY and AIA Vitality for the purposes specified above;
• Any person authorised to act as an agent of the AIA Vitality Operator for the distribution of information in relation to AIA Vitality;
• The AIA Vitality Partners and their agents for the provision of membership goods and/or services, and programme administration;
• Any agent, contractor or third party service provider who provides membership servicing support including but not limited to administration, data processing, data storage, call centre services, mailing, system infrastructure and operation, website administration, marketing, finance, rewards, invoicing and training;
• Other companies who help gather your information or communicate with you, such as research companies and ratings agencies, in order to enhance the services to be provided under AIA Vitality.
• Government or regulatory authorities or any person to whom the AIA Vitality Operator (or another AIA Group company) or an AIA Vitality Partner is to make disclosure:

(a) under a legal and / or regulatory obligation in that jurisdiction applicable to that particular AIA Group company or AIA Vitality Partner; or

(b) which the AIA Group company or AIA Vitality Partner has agreed to make disclosures

From time to time, the AIA Group may purchase a business or sell one or more of its businesses (or portions thereof) and your personal data may be transferred or disclosed as part of the purchase or sale or a proposed purchase or sale. In the event that the AIA Group purchase a business, the personal data received with that business, to the extent that it is relevant to AIA Vitality, will be treated in accordance with this AIAV PICS. In the event that the AIA Group sell a business, to the extent that it is relevant to AIA Vitality, a provision will be included in the selling contract requiring the purchase to treat your personal data in the same manner required by this AIAV PICS.

Your personal data may be provided to any of the above parties who may be located in Malaysia or outside of Malaysia.

Your information may be transferred to, stored, and processed in other jurisdictions where any of the above parties is located, or jurisdictions where a third-party contractor is located or from which the third-party contractor provides us services. Where required under relevant law, we may seek your consent to the transfer of such information outside your jurisdiction to our facilities or to those third parties with whom we share it as described above. Your personal data will only be transferred to other locations, where we are satisfied that adequate levels of protection exist to protect the integrity and security of your personal data, which as minimum are comparable to the jurisdiction or territory in which you provided such personal data.

For our policy on sharing your personal data for promotional or marketing purposes relating to AIA Vitality, please see the section "Use of Personal Data for Direct Marketing Purposes" below.

Access rights to personal data

Under applicable laws and regulations, you have the right to:

• Verify whether the AIA Vitality Operator holds any personal data about you in relation to AIA Vitality and to access any such data or information about how AIA Vitality used or disclosed your personal data;
• Require the AIA Vitality Operator to correct any personal data relating to you held under AIA Vitality which is inaccurate or incomplete;
• Request deletion of your personal data under certain circumstances;
• Make a complaint about AIA Vitality Operator’s data handling; and
• Enquire about AIA Vitality Operator's policies and practices in relation to personal data.

Requests for access, correction, complaints, or other queries relating to you under the AIA Vitality programme should be addressed to us via Contact Us | AIA Malaysia

The AIA Vitality Operator has the right to charge costs which are directly related to and necessary for the processing of any personal data access request.

Use of personal data for direct marketing purposes

As well as for the purposes set out above, the AIA Group intends to use your name and contact details for promotional or marketing purposes including sending you promotional materials and conducting direct marketing in relation to the following products, services, advice and subjects: insurance; takaful; annuities; MPF/ORSO; wealth management; investment; banking; financial services; credit cards; medical/health treatment; educational; recruitment; training; reward/loyalty/privilege programmes; travel; accommodation; apparel; concerts; sporting and special events; food and beverage; household; media; social networking; spa and similar relaxation activities and other leisure services; telecommunication and mobile services; internet; other retail/consumer products and services; wellness and charitable/non-profitable causes ("Classes of Marketing Subjects").

For the purposes of direct marketing, we may provide your personal information to providers (and their agents) (whether within or outside of the AIA Group) of any of the Classes of Marketing Subjects described above so that they can contact you and/or send you promotional materials and conduct direct marketing in relation to the products and services that they offer (these materials may be sent to you by postal mail, email or other means). We may provide your personal data to providers (whether within or outside of the AIA Group) of any of the Classes of Marketing Subjects for gain.

Before using or providing your personal data for the purposes and to the transferees set out in this section, we may be required by law to obtain your written consent, and in such cases, only after having obtained such written consent, may we use and provide your personal data for any promotional or marketing purpose.

The types of personal data that AIA Group would use and provide for direct marketing purposes as described above are your name and relevant contact details, although we may possess additional personal data.

You may in future withdraw your consent to the use and provision to a third party by the AIA Vitality Operator of your personal data for direct marketing purposes and thereafter the AIA Vitality Operator shall cease to use such data for direct marketing purposes.

If you wish to withdraw your consent, please inform us by writing to the address in the section on "Access Rights to Personal Data" or sending us an email. Any such request should clearly state details of the personal data in respect of which the request is being made.

Use of cookies

Cookies are small text containing small amounts of information which are downloaded and may be stored on any of your web browsers or internet enabled devices (e.g. your computer, smartphone or tablet) that can later be read by the server - like a memory for a web page.

AIA Vitality Operator may use cookies and other tools on the website and mobile applications. By continuing to use the website, you are agreeing to us placing cookies on your computer. The information collected (including but not limited to: your IP addresses (and domain names), browser software, types and configurations of your browser, language settings, geo-locations, operating systems, referring website, pages and content viewed, and durations of visit) will be used to ensure operation of the website and enable you to log in securely, for compiling aggregate statistics on how our visitors reach and browse our websites for web enhancement and optimisation purposes, and to help us understand how we can improve your experience on it.

The cookies also enable our website to remember you and your preferences, and tailor the website for your needs. Advertising cookies will allow us to provide advertisements on our websites that are as relevant to you as possible, e.g. by selecting interest-based advertisements for you, or preventing the same advisement from constantly reappearing to you. You can find more information on the types of cookies we collect, what we use these for, and how to manage your cookie settings in our Cookie Policy.

External links

If any part of this website, mobile applications and social media platforms contains links to other websites, those sites may not operate under this AIAV PICS. You are advised to check the privacy statements on those websites to understand their policies on the collection, usage, transferal and disclosure of personal data.

Amendments to this AIAV pics

The AIA Vitality Operator reserves the right, at any time and without notice, to add to, change, update or modify this AIAV PICS, simply by notifying you of such change, update or modification. If we decide to change our personal data policy, those changes will be notified to you either on our website or in writing so that you are always aware of what information we collect, how we use the information and under what circumstances the information is disclosed. Any such change, update or modification will be effective immediately upon posting.

Additional information

If you have any questions about this AIAV PICS or would like additional information regarding the AIA Vitality Operator's data privacy policies and practices, please do not hesitate to contact us. you can contact our Data Protection Officer (DPO) using the following details:

Data Protection Officer:

• Email: MY-DPO@aia.com

Our DPO is responsible for overseeing our data protection strategy and ensuring our compliance with applicable data protection laws and regulations.

Last Updated: 11 June 2025