Life Protection
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Enjoy a 10% discount yearly on the premium payable for your policy starting from the second policy year onwards!
Exclusive for Existing AIA Malaysia Customers who have purchased A-Life Essential Critical Care & A-Life Wealth Venture.
Contact an AIA Life Planner today for an easy and hassle-free sign-up!
AIA Malaysia Existing Customer is defined as:
Life Planner purchase is not entitled for the Campaign. Life Planner purchase means the policy owner and/or the Insured is the Life Planner.
Eligible Product | Campaign Reward |
A-Life Essential Critical Care |
10% Premium Discount applicable to Total Premium payable of the Eligible Policy from Policy Year 2 till the end of the premium payment term. Total Premium shall INCLUDE: |
A-Life Wealth Venture (with premium payment term 10 years and above) | 10% Premium Discount applicable to Basic Premium payable of the
Eligible Policy from Policy Year 2 till the end of the premium
payment term. Basic Premium shall INCLUDE: - Additional premium payable due to medical condition(s); if any. Basic Premium shall EXCLUDE: - Premium payable for optional rider(s); if any. - Applicable tax imposed by the Government of Malaysia at prevailing rate for the premium(s) paid by business organisation; if any. |
This Campaign offers Existing AIA Malaysia Customers with a 10% discount yearly on the premium payable for A-Life Essential Critical Care (inclusive of premium payable for rider(s)) and A-Life Wealth Venture (exclude premium payable for rider(s)) starting from the second policy year.
The Campaign Period is between 1 September 2023 and 30 September 2023, and the policy must be set in force by 16 October 2023.
All Existing AIA Malaysia Customers with an active AIA Vitality membership are eligible to participate in the Campaign, subject to meeting the eligibility criteria and full underwriting requirements. Please refer to the FOREVER10 Campaign Terms and Conditions for the definition of Existing AIA Malaysia Customers.
No, the discount is only applicable to the premium payable for a basic plan and EXCLUDES A-Plus Waiver rider premium.
Yes, the discount is applicable to the total premium payable for the policy, including rider(s); if any.
The discount will start from the second policy year until the end of the premium payment term.
Customers will be notified 30 days before the 2nd policy year and will receive a letter and endorsement.
Scenario | Year 1 | Year 2 | Year 3 till the end of premium payment term |
a) Existing AIA Malaysia Customers who signed up for A-Life Wealth Venture with a premium payment term of 20 years, and with an active AIA Vitality membership. Basic Premium payable for A-Life Wealth Venture is RM10,000 on annual payment mode. |
Basic Premium paid = RM10,000 | Basic Premium to be payable = RM9,000 (after qualified for 10% premium discount on the Basic Premium) | Basic Premium to be payable = RM9,000 (after qualified for 10% premium discount on the Basic Premium) |
b) Existing AIA Malaysia Customers who signed up for A-Life Essential Critical Care and have an active AIA Vitality membership. Total Premium payable for A-Life Essential Critical Care is RM10,000
on annual payment mode. |
Total Premium paid = RM10,000 | Total Premium to be payable = RM9,000 (after qualified for 10% premium discount on the Total Premium) | Total Premium to be payable = RM9,000 (after qualified for 10% premium discount on the Total Premium, although AIA Vitality membership is terminated in Policy Year 3) |
Note: The examples illustrated above are for reference only. Please refer to the letter and Premium Discount Endorsement issued to you for the Premium Discount entitled and revised premium.
No, the 5-pay premium payment term option for A-Life Wealth Venture is not eligible for the Campaign. This Campaign is offered to applications with a premium payment term of 10 years and above.
At AIA, we will be here for you every step of the way in your life and healthy journey so you and your loved ones can live Healthier, Longer and Better Lives.
with AIA Vitality, our unique health programme that rewards you for making healthy choices.
View Level Up Rewards
with our comprehensive protection plans.
with our critical illness plans that provide much-needed financial support in your recovery journey.
Participate in any of the selected plans and join this Campaign with a minimum annualised contribution of RM1,800 per certificate and subscribe to AIA Vitality |
1-MonthContribution Waiver |
Terms and Conditions apply.
Contact our Life Planners today for an easy and hassle-free sign-up!
a) This campaign is valid for 3 selected plans (A-Life Idaman, A-Life Legasi Beyond and A-Life Kritikal Protector) of which applications must be submitted between 1 September 2023 and 30 September 2023 with a minimum annualised contribution of RM1,800 per certificate to be eligible for the 1-month contribution waiver. The certificate(s) must be set in force by 16 October 2023.
b) Certificate applications must opt for an e-payment facility (regardless of instalment contribution amount) i.e., via payment link or AIA E-Pay (credit/debit card).
c) In order to qualify for the Campaign, the person covered must be an AIA Vitality member. AIA Vitality membership must be signed up or active upon new application submission. AIA Vitality membership must remain active until certificate matures.
d) The contribution waiver is inclusive of the following contribution (including loading, if any):
Any saver and top-up contribution such as A-Plus Saver-i, A-Plus Legasi Enhancer, A-Plus Enhancer-i and AIA Vitality membership fees, if any, will not be waived.
e) Applicable for contribution payment term of 10 years and above and for all payment frequency.
f) Life Planners are not entitled to participate in this Campaign (Life Planner participation means the certificate owner and/or person covered is a Life Planner).
g) If the customer makes any transaction after the certificate has been activated that requires additional contribution from certificate inception (e.g. increasing sum covered or adding riders), the additional contribution will not be waived.
h) For A-Life Legasi Beyond, if partial withdrawal from Protection Account is made within 6 months from the certificate issuance, the 1-month allocated contribution will be deducted from the amount payable.
For A-Life Legasi Beyond, A-Life Kritikal Protector and A-Life Idaman, if surrendered within 6 months from the certificate issuance, 1-month allocated contribution will be deducted from the amount payable. If the Protection Account/Participant’s Account Fund is insufficient to deduct the 1st month allocated contribution, it will not be deducted from Savings Account/ Participant’s Investment Fund (if any).
i) Please refer to the table below for the number of months of contribution collected for each payment frequencies:
Payment Frequency | Basic Regular Contribution Collected from Customers |
Annual | 11 months |
Semi-annual | 5 months |
Quarterly | 2 months |
Monthly |
|
Notes:
j) The terms and conditions of the Campaign are subject to change and the decision of AIA PUBLIC Takaful Bhd. on any matter concerning these terms and conditions are final.
Campaign Mechanism & Reward
Note: The calculation of the Premium Cashback shall EXCLUDE any saver and / or top-up premium such as A-Plus Saver, A-Plus ScholarSaver, AIA Vitality membership fees, and taxes. Premium Cashback shall be calculated based on annualised premium before any premium discount.
In addition, customers who participate in the Campaign will be entitled for Free PA Boost cover with medical relief of up to RM3,000.
Contact an AIA Life Planner today for an easy and hassle-free sign-up!
1) This Healthy You, Wealthy You Campaign ("Campaign") is organised by AIA Bhd. (“AIAB ”, “we”, “our” or “us”). By joining this Campaign, you (“you”, “your” or “customer”) agree that you have read, understood and agreed to be bound by the Terms and Conditions of this Campaign and by any change or modification that we may make to this Campaign and / or the Terms and Conditions of this Campaign with prior notice to you. By joining this Campaign, you further agree to be bound by our Privacy Policy accessible at https://www.aia.com.my/en/index/privacy-statement.html
2) Campaign Period: 1 September 2023 to 30 September 2023, both dates inclusive (“Campaign Period”)
3) Eligible Products
Category 1: Total Health Solution
A-LifeLink 2, A-Life Joy Xtra, A-Life Beyond Critical
Care, and A-Life Essential Critical Care
Category 2: Total Wealth Solution
A-Life Wealth Premier, A-Life Wealth Builder, A-Life
Wealth
Treasure, and A-Life Wealth Venture
(Note: The premium payment term must be 10 years and more.)
4) Campaign Mechanism and Campaign Reward: Refer to the Campaign Mechanism & Reward table above (“Campaign Mechanism” and “Campaign Reward”).
5) Campaign Eligibility
a) This Campaign is open to all customers who purchased in any of the Eligible Products with minimum Annualised Premium of RM4,200 during the Campaign Period. This Campaign is not valid for agent self-purchase application i.e. the policy owner and / or insured in the application is same as per the agent stated in the application form. Application must be received during the Campaign Period and activated by 16 October 2023. For application under Category 2: Total Wealth Solution (except for A-Life Wealth Venture), the application must attach with AIA Investment-Linked Funds listed below:
In order to qualify for this Campaign, for adult application (i.e. with entry age 16 or above), the insured must be an AIA Vitality member. AIA Vitality membership must be signed up or active upon new application submission in iPoS (except for A-Life Wealth Venture, where the applicant is a business organisation, manual submission is allowed) and must be remained active prior to and upon the payment of Campaign Reward.
For juvenile application (applicable to pre-natal and / or insured with entry age 0 to 15 years old) under A-Life Joy Xtra and A-Life Wealth Treasure, the policy owner (i.e. the applicant) must join AIA Vitality membership. AIA Vitality membership must be signed-up or active upon new application submission in iPoS and must be remained active prior to and upon the payment of Campaign Reward. Juvenile application (applicable to insured with entry age 0-15 years old) under A-Life Wealth Premier and A-Life Wealth Builder is not eligible to the Campaign.
The policy owner (or insured for A-Life Wealth Venture, where the applicant is a business
organisation) must also download and log in to AIA+ (formerly known as My AIA) application (“app”) latest by 31 March
2024.
(“Eligible Policy”)
b) Campaign Mechanism and Campaign Reward
Eligible Policy with Annualised Premium of between RM4,200 and less than RM10,000 will entitled to one (1) month Premium Cashback whereas Eligible Policy with Annualised Premium above RM10,000 will entitle for 1.5-month Premium Cashback.
c) The Campaign is only applicable to application that opt to pay via payment link or pay by credit / debit card. For A-Life Wealth Venture application, where the applicant is business organisation, the credit card used must be registered under the business organisation. A copy of the business credit card information must be submitted for verification upon submission.
d) If you make any changes / transactions (e.g. increase of sum assured or addition of rider) to the Eligible Policy which require additional premium during the Campaign Period and / or before the payout of the Campaign Reward, the additional premium will not be qualified or counted in this Campaign. For reduction of premium, the Campaign Reward shall be calculated based on the reduced premium provided that the reduced premium is meeting the minimum Annualised Premium of this Campaign.
e) The Eligible Policy will be disqualified from this Campaign in the event of:
6) Important Notes and Disclaimers
7) General Provisions
At AIA, we will be here for you every step of the way in your life and healthy journey so you and your loved ones can live Healthier, Longer and Better Lives.
with AIA Vitality, our unique health programme that rewards you for making healthy choices.
View Level Up Rewards
with our comprehensive protection plans.
with our critical illness plans that provide much-needed financial support in your recovery journey.
with our Financial Planning Tools and Solutions. Ensure you have adequate protection with our Financial Health Check.
with AIA Vitality, our unique health programme that rewards you for making healthy choices.
View Level Up Rewards
with our Wealth Protection Plans that give you access to local and foreign funds. Plus, be rewarded with extra benefits or payouts when you practice good financial and lifestyle habits.
As AIA Corporate Members, you are entitled to receive additional cashback when you sign up for selected plans.
Click on our special offers and promotions below to learn more.
Eligible Product | Plans | Underwritten by |
Category 1 |
A-Life MediFlex |
AIA Bhd. |
A-Life MediFlex-i |
AIA PUBLIC Takaful Bhd. |
|
Category 2 |
A-LifeLink 2 |
AIA Bhd. |
A-Life Joy Xtra |
AIA Bhd. |
|
A-Life Idaman |
AIA PUBLIC Takaful Bhd. |
Eligible Product | Plans | Rewards |
Category 1 |
A-Life MediFlex A-Life MediFlex-i |
1 month Premium / Contribution Cashback |
Category 2 |
A-LifeLink 2 A-Life Joy Xtra A-Life Idaman |
0.5 month Premium / Contribution Cashback in addition to rewards of on-going eligible customer campaign if Members participated within the Campaign Period |
With our wide range of holistic solutions, we are here to support you and your loved ones at every step of your life journey. Click on our special offers and promotions below to learn more.