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The Free Cuti-Cuti Cover consists of both Accidental Road Injury coverage and Hospital Income due to Road Accident, influenza or heat stroke.

Table of Benefits

Notes:

1. The Free Cuti-Cuti Cover is offered by AIA Bhd. and AIA PUBLIC Takaful Bhd. (“AIA”).
2. AIA+ app user/non-AIA+ app user status of the Covered Person at point of claims will be used to determine the benefit amount payable.
3. Each Covered Person is limited to signing up for Free Cuti-Cuti Cover only ONCE during the coverage period.
4. During the coverage period, only one event shall be payable from each benefit, i.e., one accidental event for Accidental Road Injury and one hospitalisation event for Hospital Income due to road Accident, influenza or heat stroke. In the event the accidental event is claimable for both Accidental Road Injury and Hospital Income due to road Accident, influenza or heat stroke, the coverage shall be terminated after claim.
5. The eligibility of the benefit under Hospital Income due to influenza or heat stroke will only start after 14 days from the coverage start date. Refer to Question 5 for the coverage period.  
6. This free coverage is subject to a total claims limit of RM1 million (combined limit for AIA Bhd., AIA PUBLIC Takaful Bhd., and AIA General Berhad), whichever is earlier. This combined limit is aggregated between all the free covers.
7.  Please refer to Appendix 1 for the definitions of the capitalised terms.
8. Please refer to Question 7 for the exclusions to Free Cuti-Cuti Cover. 

You can sign up for Free Cuti-Cuti Cover from 1 September 2025 until 30 November 2025. 

To be eligible for this coverage, one needs to be:

1. A Malaysian citizen residing in Malaysia; and
2. Between the age of 15 days and 15 years old (for children) OR 16 years old and 70 years old (for adults).

Note: Only parents or the legal guardians can sign up for this Free Cuti-Cuti Cover for children under their care. 

You can reach out to any AIA Life Planner to sign up through the dedicated microsite.

Provide the relevant information below via the dedicated microsite during the registration period:

1. Individual’s information (16 years old and above)
   1. Full Name as per NRIC
   2. NRIC number
   3. Phone number
   4. E-mail address
   5. Location
   6. Where did you hear about this
2. Child’s information (15 years old and below; up to 3 children in one registration form*)
   1. Child’s name
   2. NRIC number

*Note: Only parents or the legal guardians are allowed to sign up for this Free Cuti-Cuti Cover for children under their care. For those with more than 3 children under their care, please register using a fresh registration form.

If you do not know any AIA Life Planners, please reach out to us via the enquiry form on our website following the steps below:

Go to aia.com.my > “Contact us” > “Enquiry form” > Select “Life Planner Related” under Category.

The coverage period of Free Cuti-Cuti Cover is effective upon successful registration until 31 December 2025, or upon reaching a total claims limit of RM1 million (combined limit for AIA Bhd., AIA PUBLIC Takaful Bhd., and AIA General Berhad), whichever is earlier. The combined limit is aggregated between all the free covers. AIA reserves the right to withdraw this Free Cuti-Cuti Cover at any time with prior notice.

No. Free Cuti-Cuti Cover is only eligible for Malaysians who are residing in Malaysia.

The following exclusions are applicable for road Accident coverage:

• Any Pre-Existing Conditions prior to the date this enrolment was made;
• Any Injury caused by any incident other than a road Accident within Malaysia in a private motor vehicle or public conveyance;
• Any medical treatment or hospitalisation for any Injury incurred after thirty (30) days from the date of road Accident; and
• Any treatment or hospitalisation that was not obtained in Malaysia.

The following exclusions are applicable for influenza and heat stroke coverage:

• Any Pre-Existing Conditions prior to the date this enrolment was made;
• Any signs or symptoms of influenza or heat stroke that is manifested prior to or within fourteen (14) days from the date this enrolment was made;
• Any sickness or disease other than those caused by influenza or heat stroke; and
• Any hospitalisations that are not in Malaysia.