Free Life Cover provides coverage for the Covered Person's death and the amount depends on the total annualised premium/contribution of the THS product. This Free Life Cover is given to you at no extra cost to complement your purchase of/participation in the selected Total Health Solution (THS) products from AIA during the campaign period from 1 January 2024 to 31 March 2024.

The free cover is valid from the policy/certificate’s issue date until 31 December 2024.

The insured/person covered under the THS product (“Covered Person”) is eligible for Free Life Cover. 

It provides coverage for the Covered Person’s death. The coverage amount of Free Life Cover will depend on the total annualised premium/contribution of the THS product on the date of the Covered Person’s death, as shown in the table below:

Example

• 1 Jan 2024: Alex purchased A-Life Essential Critical Care with a total annualised premium of RM2,398.
• 1 Dec 2024: Alex increased his sum assured for A-Life Essential Critical Care and his revised total annualised premium is RM5,995.
• 22 Dec 2024: Alex unfortunately passed away. The coverage amount payable for Free Life Cover is RM50,000, based on the total annualised premium of RM5,995.

Free Life Cover provides coverage to the insured/person covered under the THS product. In this scenario, the child is eligible for Free Life Cover.

Death due to suicide is not covered under Free Life Cover.

No, there is no waiting period for Free Life Cover. The coverage will start from the policy/certificate’s issue date.

Yes, for each THS product which meets the minimum total annualised premium/contribution, you are eligible for one Free Life Cover.

Example

• 1 Jan 2024: Alex purchased A-Life Essential Critical Care with a total annualised premium of RM2,398. 
• 1 Feb 2024: Alex purchased A-Life Beyond Critical Care with a total annualised premium of RM7,718.

He is eligible for two Free Life Covers with coverage amounts of RM20,000 and RM50,000 respectively (total RM70,000). Note: Any changes to the total annualised premium/contribution may also change the coverage amounts of Free Life Cover. 

No, coverage is not provided under Free Life Cover if the THS product purchased/participated is no longer in force.

However, the coverage resumes if the THS product is reinstated within the coverage period of the Free Life Cover and the AIA Vitality membership remains active until the end of coverage period.

Example

• 1 Jan 2024: Alex purchased A-Life Essential Critical Care with a total annualised premium of RM2,398.
• 1 Jul 2024: Alex did not pay premium, and his A-Life Essential Critical Care policy lapsed. He is not covered under Free Life Cover.
• 1 Sept 2024: Alex reinstated his A-Life Essential Critical Care policy. His coverage under Free Life Cover resumed.
• 1 Dec 2024: Alex unfortunately passed away. The coverage amount of RM20,000 is payable for Free Life Cover.

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

✔  Claims can be submitted via email:

• Claim form can be downloaded via the AIA website at www.aia.com.my > Help & Support > Form Library > Claims > Claims Form > Claimant’s Statement Death Claim
• For Customers: Submit the completed claim form together with the required supporting documents via email at MY.Customer@aia.com.my
• For Life Planners: Submit relevant documents via email at my.assist@aia.com

✔  Please indicate in the Subject Matter: <POLICY/CERTIFICATE NUMBER> - Free Life Cover

Table of Documents

List of documents required when submitting a claim:

Notes:

1.     Claims must be submitted within sixty (60) days from the date of event.

2.     We may request for additional information and/or supporting documents when required; early response from the claimant will expedite the processing of the claim.

The claimant may have entered the incorrect information during the claims application. Please resubmit the claim application with the correct information and contact your respective Life Planner or email MY.Customer@aia.com for assistance.

You may make a nomination by submitting the completed nomination form to your Life Planner or at any of our Customer Centres. View the guide here. 

Definitions:

1. “Covered Person” shall mean the insured/person covered under the Total Health Solution policy/certificate who is eligible for Free Life Cover.


2. “You” shall mean the owner of the Total Health Solution policy/certificate.


3. “We”, “Our” or “Us” shall mean AIA Bhd. and AIA PUBLIC Takaful Bhd.

Whenever the context requires, masculine form shall apply to feminine and singular term shall include the plural.

This Free CI Cover is given to you at no extra cost to complement your purchase of/participation in the selected Total Wealth Solution (TWS) and Total Health Solution (THS) products from AIA during the campaign period from 1 January 2024 to 31 March 2024.

The free cover is valid from the policy/certificate’s issue date until 31 December 2024.

The insured/person covered under the TWS/THS product (“Covered Person”) is eligible for Free CI Cover. 

It provides coverage for diagnosis of Cancer, Stroke or Heart Attack of the Covered Person. The coverage amount of Free CI Cover will depend on the total annualised premium/contribution of the TWS/THS product on the date of the Covered Person’s diagnosis, as shown in the table below:

Example

• 1 Jan 2024: Alex purchased A-LifeLink 2 with a total annualised premium of RM2,400.
• 1 Dec 2024: Alex increased his sum assured for A-LifeLink 2 and his revised total annualised premium is RM5,000.
• 22 Dec 2024: Alex was diagnosed with a Heart Attack. The coverage amount payable for Free CI Cover is RM50,000, based on the total annualised premium of RM5,000.

Note: Please refer to Appendix 1 for the definitions of Cancer, Stroke, Heart Attack and more. 

Free CI Cover provides coverage to the insured/person covered under the TWS/THS product. In this scenario, the child is eligible for Free CI Cover.

The following are not covered:

1. any illness other than a diagnosis of Cancer, Heart Attack or Stroke;
2. the signs or symptoms is manifested prior to or:
   
   • within sixty (60) days for Cancer and Heart Attack; or
   • within thirty (30) days for Stroke;
   from the commencement date of the Free CI Cover.
3. the Cancer, Heart Attack or Stroke arises directly or indirectly from a Pre-Existing Condition, which existed prior to the commencement date of the Free CI Cover;
4. the diagnosis of Cancer of the Covered Person, where in Our opinion, was directly or indirectly due to an Acquired Immune Deficiency Syndrome (AIDS) or infection by any Human Immunodeficiency Virus (HIV). We reserve the right to require the Covered Person to undergo a blood test for HIV as a condition precedent to any acceptance of any claim. For the purpose of this Free CI Cover:
   • the definition of AIDS shall be that used by the World Health Organization in 1987, or any subsequent revision by the World Health Organization of that definition; and
   • infection shall be deemed to have occurred where blood or other relevant test(s) indicate in Our opinion either the presence of any HIV or Antibodies to such a Virus;
5. any Cancer, Heart Attack or Stroke which was diagnosed due, directly or indirectly, to a congenital defect or disease, which was manifested or was diagnosed before the Covered Person attains seventeen (17) years of age;
6. any Cancer, Heart Attack or Stroke which was caused by a self-inflicted injury;
7. any Cancer, Heart Attack or Stroke resulting directly from alcohol or drug abuse; or
8. the Covered Person did not survive for at least fifteen (15) days after the diagnosis of a Cancer, Heart Attack or Stroke.

The waiting period will commence from the policy/certificate’s issue date.

Yes, the Covered Person must survive for at least 15 days after the diagnosis of a Cancer, Heart Attack or Stroke.

Yes, for each TWS/THS product which meets the minimum total annualised premium/contribution, you are eligible for one Free  CI Cover.

Example

• 1 Jan 2024: Alex purchased A-Life Wealth Builder with a total annualised premium of RM8,000.
• 1 Feb 2024: Alex participated in A-Life Sejuta Makna with a total annualised contribution of RM15,000.

He is eligible for two Free CI Covers with coverage amounts of RM50,000 and RM150,000 respectively (total RM200,000). Note: Any changes to the total annualised premium/contribution may also change the coverage amounts of Free CI Cover. 

No, the coverage amount of Free CI Cover is payable once (in one lump sum) upon the Covered Person’s diagnosis of Cancer, Stroke or Heart Attack.

No, coverage is not provided under Free CI Cover if the TWS/THS product purchased/participated is no longer in force.  

However, the coverage resumes if the TWS/THS product is reinstated within the coverage period of the Free CI Cover and the AIA Vitality membership remains active until the end of coverage period.

Example

• 1 Jan 2024: Alex purchased A-Life Wealth Builder with a total annualised premium of RM8,000.
• 1 Jul 2024: Alex did not pay premium, and his A-Life Wealth Builder policy lapsed. He is not covered under Free CI Cover.
• 1 Sept 2024: Alex reinstated his A-Life Wealth Builder policy. His coverage under Free CI Cover resumed.
• 1 Dec 2024: Alex was diagnosed with a Heart Attack. The coverage amount of RM50,000 is payable for Free CI Cover.

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

✔  Claims can be submitted via email:

• Claim form can be downloaded via the AIA website at www.aia.com.my > Help & Support > Form Library > Claims > Claims Form > Critical Illness Claim Form
• For Customers: Submit the completed claim form together with the required supporting documents via email at MY.Customer@aia.com.my
• For Life Planners: Submit relevant documents via email at my.assist@aia.com

✔  Please indicate in the Subject Matter: <POLICY/CERTIFICATE NUMBER> - Free CI Cover

Table of Documents

List of documents required when submitting a claim:

Notes:

1.     Claims must be submitted within sixty (60) days from the date of event.

2.     We may request for additional information and/or supporting documents when required; early response from the claimant will expedite the processing of the claim.

The claimant may have entered the incorrect information during the claims application. Please resubmit the claim application with the correct information and contact your respective Life Planner or email MY.Customer@aia.com for assistance.

Definitions:

1. Cancer – of specified severity and does not cover very early cancers

   Any malignant tumour positively diagnosed with histological confirmation and characterised by the uncontrolled growth of malignant cells and invasion of tissue. The term malignant tumour includes leukaemia, lymphoma and sarcoma.

    

   For the above definition, the following are not covered:

   1. All cancers which are histologically classified as any of the following:

   - pre-malignant

   - non-invasive

   - Carcinoma in situ

   - having borderline malignancy

   - having malignant potential

   2. All tumours of the prostate histologically classified as T1N0M0 (TNM classification);
   3. All tumours of the thyroid histologically classified as T1N0M0 (TNM classification);
   4. All tumours of the urinary bladder histologically classified as T1N0M0 (TNM classification);
   5. Chronic Lymphocytic Leukemia less than RAI Stage 3;
   6. All cancers in the presence of HIV;
   7. Any skin cancer other than malignant melanoma.


2. Stroke – resulting in permanent neurological deficit with persisting clinical symptoms

   Death of brain tissue due to inadequate blood supply, bleeding within the skull or embolisation from an extra cranial source resulting in permanent neurological deficit with persisting clinical symptoms. The diagnosis must be based on changes seen in a CT scan or MRI and certified by a neurologist. A minimum Assessment Period of three (3) months applies.

   For the above definition, the following are not covered:
   

   1. Transient ischemic attacks;
   2. Cerebral symptoms due to migraine;
   3. Traumatic injury to brain tissue or blood vessels; and
   4. Vascular disease affecting the eye or optic nerve or vestibular functions.

    

3. Heart Attack – of specified severity

   Death of heart muscle, due to inadequate blood supply, that has resulted in all of the following evidence of acute myocardial infarction:
   

   1. A history of typical chest pain;
   2. New characteristic electrocardiographic changes; with the development of any of the following: ST elevation or depression, T wave inversion, pathological Q waves or left bundle branch block; and
   3. Elevation of the cardiac biomarkers, inclusive of CPK-MB above the generally accepted normal laboratory levels or Troponins recorded at the following levels or higher:
      - Cardiac Troponin T or Cardiac Troponin I > / = 0.5 ng/ml

    

    

   The evidence must show the occurrence of a definite acute myocardial infarction which should be confirmed by a cardiologist or physician.

    

   For the above definition, the following are not covered:
   

   1. occurrence of an acute coronary syndrome including but not limited to unstable angina.
   2. a rise in cardiac biomarkers resulting from a percutaneous procedure for coronary artery disease.

    

4. All ages referred to under this Free CI Cover shall be the age of Covered Person’s last birthday.


5. “Assessment Period” shall mean the period during which We will assess a condition before deciding whether or not the condition qualifies as being permanent. The assessment period will be for the minimum period time frame stated in the relevant definition and will not be longer than twelve (12) months (provided all required evidence has been submitted).


6. “Covered Person” shall mean the insured/person covered under the Total Wealth Solution or Total Health Solution policy/certificate who is eligible for Free CI Cover.


7. “Doctor” or “Physician” or “Surgeon” shall mean a registered medical practitioner qualified and licensed to practice western medicine and who, in rendering such treatment, is practicing within the scope of his licensing and training in the geographical area of practice, but excluding a Physician or Surgeon who is the Covered Person/You himself/Yourself.


8. “Diagnosis” shall mean the definitive Diagnosis made by a Physician, based upon such specific evidence, as referred to in the definition of the Cancer, Stroke or Heart Attack, as the case may be concerned or, in the absence of such specific evidence, based upon radiological, clinical, histological or laboratory evidence acceptable to Us. Such Diagnosis must be supported by Our medical Doctor who may base his opinion on the medical evidence submitted by the Covered Person/You and/or any additional evidence which the former may require. In the event of any dispute or disagreement regarding the appropriateness or correctness of the Diagnosis, We shall have the right to call for an examination, of either the Covered Person/You or the evidence used in arriving at such Diagnosis, by an independent acknowledged expert in the field of medicine concerned selected by Us and the opinion of such expert as to such Diagnosis shall be binding on both Covered Person/You and Us.


9. “Pre-existing Conditions” shall mean illnesses/disabilities that the Covered Person has reasonable knowledge of. A Covered Person may be considered to have reasonable knowledge of a Pre-existing Condition where the condition is one for which:
   
   1. the Insured had received or is receiving treatment;
   2. medical advice, diagnosis, care or treatment has been recommended;
   3. clear and distinct symptoms are or were evident; or
   4. its existence would have been apparent to a reasonable person in the circumstances.


10. “You” shall mean the owner of the Total Wealth Solution or Total Health Solution policy/certificate.


11. “We”, “Our” or “Us” shall mean AIA Bhd. and AIA PUBLIC Takaful Bhd.



 

Whenever the context requires, masculine form shall apply to feminine and singular term shall include the plural.