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):

• Selected basic plan (A-Life Idaman, A-Life Legasi Beyond and A-Life Kritikal Protector)
• Attachable riders and A-Plus Health Enhancer

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:

Notes:

• To be eligible for this Campaign, AIA Vitality membership is required, and AIA Vitality membership fee will be collected (if any) upon certificate inception. For A-Life Idaman, should the person covered be a pre-natal or between 0-15 years old, the certificate owner needs to attach AIA Vitality.
• 1-month mock contribution (excluding A-Plus Saver-i/A-Plus Legasi Enhancer/A-Plus Enhancer-i, ad-hoc top up and AIA Vitality Fee, if any) will be payable by AIA PUBLIC Takaful Bhd.
• 1-month mock contribution after deducting the unallocated contribution will be credited into the certificate to allow the certificate to be set in force and continue as normal contribution paid certificate i.e., tabarru’, certificate charges, fund management charge (FMC) and contribution allocation shall apply and continue during this 1-month contribution waiver. From the second month onwards, customers will continue to pay the contribution as normal.

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.

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:

• - AIA Strategic Equity Fund
• - AIA Strategic Fixed Income Fund
• - AIA Elite Conservative Fund
• - AIA Elite Adventurous Fund
• - AIA Dana Progresif
• - AIA Equity Dividend Fund
• - AIA Equity Plus Fund
• - AIA Dana Dinamik
• - AIA Aggressive Fund
• - AIA Medium Cap Fund
• - AIA Balanced Fund
• - AIA Global Fixed Income Fund
• - AIA Global Equity Income Fund
• - AIA Global Balanced Fund
• - AIA Global Equity Fund
• - AIA New Horizon Fund
• - AIA Asia Opportunity Fund
• - AIA Asian Equity Fund
• - AIA Asia Platinum Fund

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.

• The calculation of Annualised Premium to be eligible to this Campaign is inclusive of any saver and / or top-up premium such as A-Plus Saver, A-Plus ScholarSaver and any rider premium. However, the calculation of the Campaign Reward i.e. 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.
• Additional 0.5-month Premium Cashback will be given to Eligible Policy where the insured (or policy owner for applicable juvenile application) has submitted Vitality Health Check (“VHC”) Results. VHC must be conducted within 1 January 2023 to 31 March 2024 and the VHC Results must be uploaded into AIA+ app via AIA Vitality platform latest by 31 March 2024. VHC is a quick test which consists of 4 tests i.e. Body Mass Index (BMI), blood pressure, blood glucose and cholesterol.
• Additional 0.5-month Premium Cashback will be given to Eligible Policy where the insured (or policy owner for juvenile application) has submitted Healthy VHC Results. Healthy VHC Results are defined as follow:
• BMI: 18.5 – 24.9
• Blood Pressure: <=120/80mmHg
• Blood Glucose (Fasting): <5.6mmol/L & (Random): <7.8mmol/L
• Total Cholesterol: <5.2mmol/L
• By participating in the Campaign, you will submit the VHC Results into AIA+ app via AIA Vitality platform offered and operated by AIA Health Services Sdn. Bhd. (“AHS”). AHS will review the VHC Results submitted by you and will only inform AIAB on the Eligible Policy that are qualified for the Campaign Reward. AIA Vitality Terms & Conditions shall apply.
• Additional 0.5-month Premium Cashback will be given to Eligible Policy if insured (or policy owner for juvenile application) has achieved AIA Vitality Status of Platinum or Gold by 30 September 2024.
• Premium Cashback will be credited and reflected in the eligible policy owner’s AIA+ app latest by 31 October 2024 by AIAB in accordance with the Terms and Conditions of this Campaign. After which, it shall be deemed as full payment and AIAB shall be released and fully discharged from further liability and demand in relation to the Campaign Reward.

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:

• Lapsed, surrender, termination, cancellation of the application;
• Partial withdrawal;
• Premium holiday;
• Premium not paid up to date;
• Lapsed but reinstated;
• Change of payment method to non e-payment method; or
• Change of AIA Investment-Linked Fund(s) selected or investment allocation instruction to the AIA Investment-Linked Fund(s) not listed under Campaign Eligibility – 5(a) for Category 2: Total Wealth Solution (except for A-Life Wealth Venture), during the Campaign Period and /or before payout of the Campaign Reward.

6) Important Notes and Disclaimers

• This material is not intended as an offer or solicitation for the purpose or sale of any financial instrument/product. You should satisfy yourself that the policy purchased will best serve your needs and that the premium payable under this policy is an amount that you can afford. To achieve this, we recommend that you speak to your Life Planner who will perform a needs analysis and assist you in making an informed decision. You may also contact the insurance company directly for more information.
• You are advised to refer to the Product Disclosure Sheet, Sales Illustration, Fund Fact Sheet(s); if applicable, for further information before purchasing a policy, and to refer to the terms and conditions in the policy document for details of the features and benefits, waiting periods and exclusions under the policy.

7) General Provisions

• You are always solely responsible for maintaining the accuracy of your information. AIAB may request for further information from you to determine the authenticity of any information provided, including whether it is fraudulent or exaggerated.
• AIAB may decline the Campaign Reward entitlement in the event any of the Terms and Conditions pursuant to this Campaign is not fulfilled. No appeal(s) will be entertained.
• AIAB shall have the right to decide all matters, and disputes concerning this Campaign including substituting the Campaign Reward with other form of gifts / rewards of equivalent value.
• AIAB shall have the right to amend the Terms and Conditions of this Campaign, and to suspend, terminate, delay or vary this Campaign with prior notice to you. The mode of notification (if any) of the amendment, suspension, termination, delay or variation shall be at AIAB's discretion, including but not limited to displaying the same in any of AIAB's website or social media sites.
• The Campaign Reward are non-transferable and any request for Campaign Reward to be credited to a third-party account will not be entertained.