pageheroimage

Just Get Covered! Free Cover

Frequently Asked Questions

The ‘Just Get Covered!’ Free Cover (“Free Cover”) campaign provides RM20,000 coverage against death due to road accident, influenza or dengue.

Table of Benefit:

Coverage Coverage Amount
Death due to Road Accident, Influenza or Dengue RM 20,000

 

Notes:

  1. This Free Cover is offered by AIA Bhd. and AIA PUBLIC Takaful Bhd. (“AIA”).
  2. This Free Cover is offered to selected existing AIA customers who holds at least one (1) policy or certificate with AIA Bhd. or AIA PUBLIC Takaful Bhd.
  3. If you are the selected existing AIA customer, you are entitled to enroll in the Free Cover only ONCE during the coverage period. You will be notified upon successful enrolment.  
  4. This Free Cover also extends to immediate family members of selected existing AIA customers. However, please note that only one (1) claim is payable per family. 
  5. Waiting Period of 14 days from enrolment date applies to death due to influenza or dengue. Waiting Period is defined as the time you or your immediate family members must wait after enrolment before the coverages on death due to influenza and dengue become effective.
  6. This Free Cover is subject to a total claim limit of RM1 million (combined limit for all free covers offered by AIA Bhd., AIA PUBLIC Takaful Bhd., and AIA General Berhad). 
  7. Please refer to Appendix 1 for the definitions of the capitalised terms.
  8. Please refer to Question 8 for the exclusions to this Free Cover.

You can sign up for Just Get Covered! Free Cover from 16 May 2025 until 30 June 2025 ("Registration Period").

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

  1. selected existing AIA customers who holds at least one (1) policy or certificate with AIA Bhd. or AIA PUBLIC Takaful Bhd.;
  2. the immediate family member of the selected existing AIA customer;
  3. residing in Malaysia; and
  4. between the age of 14 days and 15 years old (for children) or 16 years old and 70 years old (for adults).
     

 Note:

  • Only parents or legal guardians can sign up for this Just Get Covered! Free Cover for children under their care.

  • Immediate family members include your spouse and children who are residing in Malaysia. If the Covered Person is a juvenile, the immediate family members will include their parents and siblings.
  • You or your immediate family member(s) is required to provide proof of relationship upon claim submission. Example of proof of relationship could be birth certificate and / or marriage certificate.

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:

  • 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. Age
  • 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 cover for children under their care. For those with more than 3 children under their care, please register using a fresh registration form.

The coverage period of Just Get Covered! Free Cover is effective upon successful enrolment until 31 May 2026, or upon reaching a total claims limit of RM1 million (for AIA Bhd., AIA PUBLIC Takaful Bhd., and AIA General Berhad, combined), whichever is earlier. The total claims limit of RM1 million is aggregated between all the free covers which are offered by AIA Bhd., AIA PUBLIC Takaful Bhd., and AIA General Berhad. 

AIA reserves the right to withdraw this free cover at any time with prior notice.

No. The Just Get Covered! Free Cover is only eligible for Malaysians who are residing in Malaysia.

Exclusions for Death due to Road Accidents

  • Any Injury caused by any incident other than a road accident within Malaysia in a private motor vehicle or public conveyance.
     

Exclusions for Death due to Influenza or Dengue

  • Any signs or symptoms of Influenza or Dengue that is manifested prior to or within fourteen (14) days from the enrollment date; or
  • Any sickness or disease other than those caused by influenza or dengue.

Upon successful enrollment, you will receive a welcome email from AIA which will be sent to your registered email address.

You will then be required to download the AIA+ mobile app via Google Play, App Store or Huawei App Gallery and register your AIA+ account. Once completed, you may view your benefits via the AIA+ app.

Do not worry. This is a system default setting in the AIA+ app and does not mean you are an AIA employee. It does not affect your eligibility for the Just Get Covered! Free Cover. This is where you can view details of your Just Get Covered! Free Cover in the AIA+ App.

Follow the guide below and you will be able to see that your coverage is shown (point 6) below: 

Kindly contact your respective AIA Life Planner or e-mail my.complaint@aia.com and include Just Get Covered! Free Cover in the email subject for assistance.

Please refer to Table of Documents below for the list of documents required when submitting a claim.

Claim can be submitted via AIA+ app / AIA customer portal:

  • Step 1: Choose “Submit Claims” in AIA+ app/AIA Customer Portal homepage
  • Step 2: Choose “Employee Benefits Claim”
  • Step 3a: Fill in the claim details under the relevant claim type and complete the rest of the claim submission process following the instructions in the app.

Claim can also be submitted via any of our Customer Centres:

  • Claim form can be downloaded via the AIA website at www.aia.com.my  > Help & Support > Form Library > Claims > Claims Form
  • For Customers: Submit the completed claim form together with the required supporting documents to your AIA Life Planner or our representative at any of our Customer Centres.
  • For Life Planners: Submit relevant documents via email at my.assist@aia.com.
     

Table of Documents

List of documents required when submitting a claim:

Documents
  • Death Certificate / Police Report of the Road Accident / Hospital Report (for Influenza / Dengue claim)
  • Copy of NRIC of the adult (if claim is for adult) and child (if claim is for child)
  • Proof of relationship between adult and child (e.g. child birth certificate / marriage certificate) (where applicable)

 

Notes:

  1. Claims must be submitted within sixty (60) days from the date of event.
  2. We may request additional information, supporting documents or medical examination when required; your early response will expedite the processing of your claim.

 

One possible reason is that you may have provided incorrect information during the claim submission process. Please resubmit the claim with the correct details or reach out your respective AIA Life Planner for assistance.

“Accident” means a sudden, unintentional, unexpected, unusual, and specific event that occurs at an identifiable time and place which shall, independently of any other cause, be the sole cause of bodily injury.

“Covered Person” shall mean the person(s) whom has/have successfully enrolled to this Just Get Covered! Free Cover.

  • Selected existing AIA customer who holds at least one (1) policy/certificate with AIA Bhd. or AIA PUBLIC Takaful Bhd.,
  • Currently residing in Malaysia; and
  • Age last birthday at the time of registration is between fourteen (14) days old and seventy (70) years old.
     

“Injury” means bodily Injury caused solely by Accident.

All ages referred to under this free coverage shall be the age of Covered Person’s last birthday.