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Product Disclosure Sheet
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  • Takaful

    PRODUCT DISCLOSURE SHEET

    Please read this Product Disclosure Sheet before You decide to take up AIA i-Critical Illness Cover. Be sure to also read the general terms and conditions.
    1. What is this product about?

      AIA i-Critical Illness Cover is a yearly renewable Takaful plan which provides coverage for 39 critical illnesses. This plan is a pure critical illness protection plan and does not have any savings or investment elements.

    2. What are the Shariah concepts applicable?

      Wakalah - the contract between Participant and AIA PUBLIC Takaful Bhd. (AIA PUBLIC, as Takaful Operator), where Participant authorises AIA PUBLIC to act on their behalf to conduct the affairs of Takaful business. AIA PUBLIC will take a portion of the Participants' Contribution as a Wakalah Fee in return of these services.

      Tabarru' - the balance of Contribution after deduction of Wakalah Fee, which will be allocated into the Participants' Risk Fund (PRF) as a donation for the purpose of mutual help and assistance to fellow Participants in need.

      Ju'alah - AIA PUBLIC will be entitled to earn up to 50% of the Surplus arising from the PRF as performance fee for managing the fund efficiently which result in the surplus. The remaining portion of the Surplus will be distributed to eligible Participants.

      Al-Qard Al-Hasan - is an interest-free loan provided by AIA PUBLIC to the PRF in the event it becomes deficit to enable it to pay Takaful benefit(s) to eligible Participants. This amount will be recovered from the future Surplus prior to distribution.

    3. What are the coverage/benefits provided?

      This plan covers:

      Description Benefit
      Critical Illness Benefit RM{{SumInsured}}

      100% of the coverage amount shall be payable for any one of the 39 covered critical illnesses and covered surgery, except for Angioplasty and Other Invasive Treatments for Coronary Artery Disease, where 10% of the coverage amount will be payable subject to a maximum of RM25,000 (limited to 1 payment only). The coverage amount shall be reduced by this advanced payment.

      Duration of coverage: Yearly renewable up to age 70.

      Benefits are only payable if you survive at least 15 days from the date of diagnosis of any of the 39 critical illnesses or a covered surgery. The list of 39 covered critical illnesses under this product is as follows:

      • Stroke - resulting in permanent neurological deficit with persisting clinical symptoms
      • Cancer - of specified severity and does not cover very early cancers
      • Heart Attack - of specified severity
      • Coronary Artery By - Pass Surgery
      • Serious Coronary Artery Disease
      • Angioplasty and Other Invasive Treatments for Coronary Artery Disease
      • Heart Valve Surgery
      • Fulminant Viral Hepatitis
      • End - Stage Liver Failure
      • Primary Pulmonary Arterial Hypertension - of specified severity
      • End - Stage Lung Disease
      • Kidney Failure - requiring dialysis or kidney transplant
      • Surgery to Aorta
      • Chronic Aplastic Anaemia - resulting in permanent Bone Marrow Failure
      • Major Organ / Bone Marrow Transplant
      • Blindness - Permanent and Irreversible
      • Deafness - Permanent and Irreversible
      • Loss of Speech
      • Coma - resulting in permanent neurological deficit with persisting clinical symptoms
      • Third Degree Burns - of specified severity
      • Multiple Sclerosis
      • Paralysis of Limbs
      • Muscular Dystrophy
      • Alzheimer's Disease / Severe Dementia
      • Motor Neuron Disease - permanent neurological deficit with persisting clinical symptoms
      • Parkinson's Disease - resulting in permanent inability to perform Activities of Daily Living
      • Terminal Illness
      • Encephalitis - resulting in permanent inability to perform Activities of Daily Living
      • Benign Brain Tumour - of specified severity
      • Major Head Trauma - resulting in permanent inability to perform Activities of Daily Living
      • Bacterial Meningitis - resulting in permanent inability to perform Activities of Daily Living
      • Brain Surgery
      • Medullary Cystic Disease
      • Loss of Independent Existence
      • HIV Infection Due To Blood Transfusion
      • Cardiomyopathy - of specified severity
      • Full-blown AIDS
      • Occupationally Acquired Human Immunodeficiency Virus (HIV) Infection
      • Systemic Lupus Erythematosus with Severe Kidney Complications

      *In the event of Angioplasty and Other Invasive Treatments for Coronary Artery Disease, 10% of the coverage amount shall be payable, subject to a maximum of RM 25,000 (limited to 1 payment only). The coverage amount shall be reduced by this advance payment.

    4. How much Contribution do I have to pay?

      The total contribution that You have to pay: {{Premium}} ({{PaymentMode}}).

      Please note that the contribution rate will increase depending on the attained age when the contribution is due. Please refer to “Appendix - Contribution Table for AIA i-Critical Illness Cover” at the end of this document for further information.

      You should satisfy yourself that the contribution payable under the certificate is an amount that you can afford. This contribution rate is not guaranteed and may be increased in the future. We reserve the right to revise the contribution rates by giving You 90 days written notice prior to the next Certificate Anniversary.

    5. What are the fees and charges that I have to pay?

      1. The Wakalah fee is deducted upfront as a percentage of Contribution to pay for AIA PUBLIC’s management expenses. The expenses include stamp duty of RM 10.
      2. This plan is commission-free and no intermediaries are involved in the marketing of AIA i-Critical Illness Cover.
      3. After deduction of Wakalah fee, the balance of Contribution paid will be allocated into the Participant’s Risk Fund (PRF) as Tabarru' for the purpose of providing protection and meeting claims on the events/risks covered under the Takaful Certificate. The Tabarru’ will increase as You grow older.

      4. The table below shows the Contribution allocation:

        Certificate Year Percentage (%) of Contribution
        Wakalah Fee Contribution Allocation into PRF (Tabarru’)
        1 until Maturity 30% 70%
      5. The expenses directly attributable for claims (e.g. investigation cost) and investment related expenses (e.g. fund management fees, custodian and safekeeping fees) incurred at fund level, if any, will be charged under PRF.

      Note:
      This list is non-exhaustive. Please refer to the Takaful Certificate for more information on fees and charges under this product.

    6. What are some of the key terms and conditions that I should be aware of?

      1. Importance of disclosure - You must disclose all material facts such as Your medical condition, and state Your age correctly.
      2. Free Look Period - You have the right to cancel Your Takaful Certificate by giving Us a written request that is signed by You to AIA PUBLIC within 15 days after You have received the Takaful Certificate. The Contributions that You have paid will be refunded to You.
      3. Grace Period - You are given a Grace Period of 31 days from the due date for payment of each subsequent Contribution. If Contribution remains unpaid at the end of this Grace Period, the Takaful Certificate may lapse.
      4. Claim Procedures - Claim forms can be downloaded from AIA’s website, obtained from any AIA Customer Centres or by calling Our Customer Contact at 1-300-88-8922. Proof of claim must be accepted and approved by AIA PUBLIC to facilitate the payment of any benefit. For more information on claims procedures, please refer to AIA’s website.
      5. Waiting Period - the eligibility for benefits under the Certificate will only start after a specific period from the effective date of the Certificate:
        Description Waiting Period
        Cancer, Heart Attack, Coronary Artery By-Pass Surgery, Serious Coronary Artery Disease and Angioplasty and Other Invasive Treatments for Coronary Artery Disease 60 days
        Other Critical Illnesses 30 days

      Notes:

      1. It may not be advantageous to switch from one Takaful plan to another, as You may be subject to new underwriting requirements, full waiting period and any applicable period for the exclusion of specified illnesses / pre-existing conditions of the new certificate.
      2. The terms and conditions stated in this Product Disclosure Sheet are not exhaustive. Please refer to the Takaful Certificate for the full list of terms and conditions. The contents of the Takaful Certificate shall prevail if there are any discrepancies between the Product Disclosure Sheet and the Takaful Certificate documents.

    7. What are the major exclusions under this Certificate?

      This plan does not cover:

      1. any illness other than a diagnosis for the covered Critical Illness;
      2. any pre-existing conditions prior to the Issue Date or Commencement Date, whichever is later;
      3. Cancer, Heart Attack, Coronary Artery By-Pass Surgery, Serious Coronary Artery Disease and Angioplasty and Other Invasive Treatments for Coronary Artery Disease, for which the signs or symptoms first occurred within sixty (60) days following the Issue Date or Commencement Date, whichever is later;
      4. all other critical illnesses for which the signs or symptoms first occurred within thirty (30) days following the Issue Date or Commencement Date, whichever is later;
      5. any critical illness diagnosed due, directly or indirectly, to a congenital defect or disease which has manifested or was diagnosed before you attain seventeen (17) years of age;
      6. the diagnosis of Fulminant Viral Hepatitis, Cancer, Encephalitis, Bacterial Meningitis, Alzheimer's Disease/ Severe Dementia or Terminal Illness of the Person Covered/You, where in Our opinion, was directly or indirectly due to an Acquired Immune Deficiency Syndrome (AIDS) or infection by any HIV. We reserve the right to require the Person Covered/You to undergo a blood test for HIV as a condition precedent to any acceptance of any claim. For the purpose of this certificate:
        1. 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.
        2. 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.
      7. any of the critical illnesses or covered surgeries defined here which is caused by a self-inflicted injury.
      8. if the Person Covered did not survive for at least 15 days after the diagnosis of a critical illness.

      Note: This list is non-exhaustive. Please refer to the Takaful Certificate for the full list of exclusions

    8. Can I cancel my Takaful Certificate?

      You may cancel/surrender your Certificate by giving a written notice to AIA PUBLIC. Upon cancellation/surrender of the Certificate after Free Look Period, the unutilised Contribution from PRF and the unearned Wakalah Fee from the Takaful Operator’s fund (if any) will be payable to you, provided that you have not made a claim on the Certificate during the current Certificate Year.

    9. What do I need to do if there are changes to my contact details?

      It is important that You inform AIA PUBLIC of any change in your contact details to ensure that all correspondences reach you in a timely manner.

    10. Where can I get further information?

      Should You require additional information about Family Takaful, please refer to the insuranceinfo booklet on ‘Medical and Health Takaful Plan’, available at all AIA Customer Centres or You can obtain a copy from the insuranceinfo website www.insuranceinfo.com.my.

       

      If You have any enquiries, please contact:

      AIA PUBLIC Takaful Bhd. (935955-M)
      Menara AIA, 99 Jalan Ampang
      50450 Kuala Lumpur
      Customer Contact: 1 300 88 8922
      Tel: 03 - 2037 1333
      Fax: 03 - 2056 3690
      Email: my.customer@aiapublic.com.my
      Website: AIA.COM.MY


      AIA PUBLIC Takaful Bhd. is registered under Islamic Financial Services Act 2013 and regulated by Bank Negara Malaysia.

    11. Other similar type of plans available

      Please contact AIA PUBLIC Takaful Bhd. for other similar types of plans that We offer.

      IMPORTANT NOTE:
      YOU SHOULD SATISFY THAT THE MEDICAL AND HEALTH TAKAFUL CERTIFICATE CHOSEN WILL BEST SERVE YOUR NEEDS. YOU SHOULD READ AND UNDERSTAND THE MEDICAL AND HEALTH TAKAFUL CERTIFICATE AND CONTACT AIA PUBLIC TAKAFUL BHD. DIRECTLY FOR MORE INFORMATION.


      THIS PRODUCT DISCLOSURE SHEET CONTAINS A SUMMARY OF THE PRODUCT AND IS NOT A TAKAFUL CERTIFICATE. THE TAKAFUL CERTIFICATE SHALL ALWAYS PREVAIL OVER THIS DOCUMENT.  

      The information provided in this disclosure sheet is valid as at {{currentDate}}.

    Appendix - Premium Table for AIA Critical Illness Cover

    (per RM1,000 sum assured)

    Male Non-Smoker

    Age

    Monthly

    Quarterly

    Semi-Annual

    Annual

    Age

    Monthly

    Quarterly

    Semi-Annual

    Annual

    16

    0.06612

    0.19570

    0.39140

    0.76000

    44

    0.39150

    1.15875

    2.31750

    4.50000

    17

    0.06612

    0.19570

    0.39140

    0.76000

    45

    0.43848

    1.29780

    2.59560

    5.04000

    18

    0.06438

    0.19055

    0.38110

    0.74000

    46

    0.48894

    1.44715

    2.89430

    5.62000

    19

    0.06786

    0.20085

    0.40170

    0.78000

    47

    0.54636

    1.61710

    3.23420

    6.28000

    20

    0.06960

    0.20600

    0.41200

    0.80000

    48

    0.61074

    1.80765

    3.61530

    7.02000

    21

    0.07134

    0.21115

    0.42230

    0.82000

    49

    0.68382

    2.02395

    4.04790

    7.86000

    22

    0.07308

    0.21630

    0.43260

    0.84000

    50

    0.76038

    2.25055

    4.50110

    8.74000

    23

    0.07308

    0.21630

    0.43260

    0.84000

    51

    0.84564

    2.50290

    5.00580

    9.72000

    24

    0.07308

    0.21630

    0.43260

    0.84000

    52

    0.94134

    2.78615

    5.57230

    10.82000

    25

    0.07308

    0.21630

    0.43260

    0.84000

    53

    1.05618

    3.12605

    6.25210

    12.14000

    26

    0.07482

    0.22145

    0.44290

    0.86000

    54

    1.17798

    3.48655

    6.97310

    13.54000

    27

    0.07656

    0.22660

    0.45320

    0.88000

    55

    1.31892

    3.90370

    7.80740

    15.16000

    28

    0.07830

    0.23175

    0.46350

    0.90000

    56*

    1.47552

    4.36720

    8.73440

    16.96000

    29

    0.08004

    0.23690

    0.47380

    0.92000

    57*

    1.62342

    4.80495

    9.60990

    18.66000

    30

    0.08526

    0.25235

    0.50470

    0.98000

    58*

    1.75392

    5.19120

    10.38240

    20.16000

    31

    0.09048

    0.26780

    0.53560

    1.04000

    59*

    1.89486

    5.60835

    11.21670

    21.78000

    32

    0.09918

    0.29355

    0.58710

    1.14000

    60*

    2.04624

    6.05640

    12.11280

    23.52000

    33

    0.10962

    0.32445

    0.64890

    1.26000

    61*

    2.19762

    6.50445

    13.00890

    25.26000

    34

    0.12180

    0.36050

    0.72100

    1.40000

    62*

    2.35596

    6.97310

    13.94620

    27.08000

    35

    0.13572

    0.40170

    0.80340

    1.56000

    63*

    2.52822

    7.48295

    14.96590

    29.06000

    36

    0.15138

    0.44805

    0.89610

    1.74000

    64*

    2.71788

    8.04430

    16.08860

    31.24000

    37

    0.17052

    0.50470

    1.00940

    1.96000

    65*

    2.70918

    8.01855

    16.03710

    31.14000

    38

    0.19140

    0.56650

    1.13300

    2.20000

    66*

    3.03108

    8.97130

    17.94260

    34.84000

    39

    0.21576

    0.63860

    1.27720

    2.48000

    67*

    3.24336

    9.59960

    19.19920

    37.28000

    40

    0.24360

    0.72100

    1.44200

    2.80000

    68*

    3.44694

    10.20215

    20.40430

    39.62000

    41

    0.27318

    0.80855

    1.61710

    3.14000

    69*

    3.67140

    10.86650

    21.73300

    42.20000

    42

    0.30798

    0.91155

    1.82310

    3.54000

    70*

    3.91152

    11.57720

    23.15440

    44.96000

    43

    0.34626

    1.02485

    2.04970

    3.98000

    *The premium for ages 56-70 are applicable for renewal only.


    Appendix - Premium Table for AIA Critical Illness Cover

    (per RM1,000 sum assured)

    Male Smoker

    Age

    Monthly

    Quarterly

    Semi-Annual

    Annual

    Age

    Monthly

    Quarterly

    Semi-Annual

    Annual

    16

    0.06960

    0.20600

    0.41200

    0.80000

    44

    0.58290

    1.72525

    3.45050

    6.70000

    17

    0.07134

    0.21115

    0.42230

    0.82000

    45

    0.65424

    1.93640

    3.87280

    7.52000

    18

    0.07308

    0.21630

    0.43260

    0.84000

    46

    0.72906

    2.15785

    4.31570

    8.38000

    19

    0.08004

    0.23690

    0.47380

    0.92000

    47

    0.81606

    2.41535

    4.83070

    9.38000

    20

    0.08526

    0.25235

    0.50470

    0.98000

    48

    0.91350

    2.70375

    5.40750

    10.50000

    21

    0.09222

    0.27295

    0.54590

    1.06000

    49

    1.02138

    3.02305

    6.04610

    11.74000

    22

    0.09570

    0.28325

    0.56650

    1.10000

    50

    1.13796

    3.36810

    6.73620

    13.08000

    23

    0.10092

    0.29870

    0.59740

    1.16000

    51

    1.26324

    3.73890

    7.47780

    14.52000

    24

    0.10440

    0.30900

    0.61800

    1.20000

    52

    1.40766

    4.16635

    8.33270

    16.18000

    25

    0.10788

    0.31930

    0.63860

    1.24000

    53

    1.57992

    4.67620

    9.35240

    18.16000

    26

    0.10962

    0.32445

    0.64890

    1.26000

    54

    1.76436

    5.22210

    10.44420

    20.28000

    27

    0.11136

    0.32960

    0.65920

    1.28000

    55

    1.97490

    5.84525

    11.69050

    22.70000

    28

    0.11484

    0.33990

    0.67980

    1.32000

    56*

    2.21154

    6.54565

    13.09130

    25.42000

    29

    0.11832

    0.35020

    0.70040

    1.36000

    57*

    2.43078

    7.19455

    14.38910

    27.94000

    30

    0.12354

    0.36565

    0.73130

    1.42000

    58*

    2.62914

    7.78165

    15.56330

    30.22000

    31

    0.13224

    0.39140

    0.78280

    1.52000

    59*

    2.84142

    8.40995

    16.81990

    32.66000

    32

    0.14442

    0.42745

    0.85490

    1.66000

    60*

    3.06588

    9.07430

    18.14860

    35.24000

    33

    0.16182

    0.47895

    0.95790

    1.86000

    61*

    3.29556

    9.75410

    19.50820

    37.88000

    34

    0.18096

    0.53560

    1.07120

    2.08000

    62*

    3.53394

    10.45965

    20.91930

    40.62000

    35

    0.20010

    0.59225

    1.18450

    2.30000

    63*

    3.78798

    11.21155

    22.42310

    43.54000

    36

    0.22620

    0.66950

    1.33900

    2.60000

    64*

    4.07160

    12.05100

    24.10200

    46.80000

    37

    0.25404

    0.75190

    1.50380

    2.92000

    65*

    4.06116

    12.02010

    24.04020

    46.68000

    38

    0.28536

    0.84460

    1.68920

    3.28000

    66*

    4.54140

    13.44150

    26.88300

    52.20000

    39

    0.32190

    0.95275

    1.90550

    3.70000

    67*

    4.86156

    14.38910

    28.77820

    55.88000

    40

    0.36018

    1.06605

    2.13210

    4.14000

    68*

    5.16780

    15.29550

    30.59100

    59.40000

    41

    0.40716

    1.20510

    2.41020

    4.68000

    69*

    5.50536

    16.29460

    32.58920

    63.28000

    42

    0.45936

    1.35960

    2.71920

    5.28000

    70*

    5.86554

    17.36065

    34.72130

    67.42000

    43

    0.51678

    1.52955

    3.05910

    5.94000

    *The premium for ages 56-70 are applicable for renewal only.


    Appendix - Premium Table for AIA Critical Illness Cover

    (per RM1,000 sum assured)

    Female Non-Smoker

    Age

    Monthly

    Quarterly

    Semi-Annual

    Annual

    Age

    Monthly

    Quarterly

    Semi-Annual

    Annual

    16

    0.04872

    0.14420

    0.28840

    0.56000

    44

    0.51678

    1.52955

    3.05910

    5.94000

    17

    0.05046

    0.14935

    0.29870

    0.58000

    45

    0.56898

    1.68405

    3.36810

    6.54000

    18

    0.05394

    0.15965

    0.31930

    0.62000

    46

    0.62814

    1.85915

    3.71830

    7.22000

    19

    0.05568

    0.16480

    0.32960

    0.64000

    47

    0.67512

    1.99820

    3.99640

    7.76000

    20

    0.05916

    0.17510

    0.35020

    0.68000

    48

    0.70818

    2.09605

    4.19210

    8.14000

    21

    0.06438

    0.19055

    0.38110

    0.74000

    49

    0.74646

    2.20935

    4.41870

    8.58000

    22

    0.06960

    0.20600

    0.41200

    0.80000

    50

    0.78822

    2.33295

    4.66590

    9.06000

    23

    0.07308

    0.21630

    0.43260

    0.84000

    51

    0.83520

    2.47200

    4.94400

    9.60000

    24

    0.07830

    0.23175

    0.46350

    0.90000

    52

    0.88740

    2.62650

    5.25300

    10.20000

    25

    0.08178

    0.24205

    0.48410

    0.94000

    53

    0.94656

    2.80160

    5.60320

    10.88000

    26

    0.08700

    0.25750

    0.51500

    1.00000

    54

    1.01094

    2.99215

    5.98430

    11.62000

    27

    0.09396

    0.27810

    0.55620

    1.08000

    55

    1.08228

    3.20330

    6.40660

    12.44000

    28

    0.10266

    0.30385

    0.60770

    1.18000

    56*

    1.15710

    3.42475

    6.84950

    13.30000

    29

    0.11136

    0.32960

    0.65920

    1.28000

    57*

    1.22670

    3.63075

    7.26150

    14.10000

    30

    0.12354

    0.36565

    0.73130

    1.42000

    58*

    1.28934

    3.81615

    7.63230

    14.82000

    31

    0.13572

    0.40170

    0.80340

    1.56000

    59*

    1.35546

    4.01185

    8.02370

    15.58000

    32

    0.14964

    0.44290

    0.88580

    1.72000

    60*

    1.43550

    4.24875

    8.49750

    16.50000

    33

    0.16530

    0.48925

    0.97850

    1.90000

    61*

    1.52424

    4.51140

    9.02280

    17.52000

    34

    0.18270

    0.54075

    1.08150

    2.10000

    62*

    1.62342

    4.80495

    9.60990

    18.66000

    35

    0.20358

    0.60255

    1.20510

    2.34000

    63*

    1.73652

    5.13970

    10.27940

    19.96000

    36

    0.22620

    0.66950

    1.33900

    2.60000

    64*

    1.85832

    5.50020

    11.00040

    21.36000

    37

    0.25230

    0.74675

    1.49350

    2.90000

    65*

    1.76436

    5.22210

    10.44420

    20.28000

    38

    0.27840

    0.82400

    1.64800

    3.20000

    66*

    1.96446

    5.81435

    11.62870

    22.58000

    39

    0.30972

    0.91670

    1.83340

    3.56000

    67*

    2.11932

    6.27270

    12.54540

    24.36000

    40

    0.34452

    1.01970

    2.03940

    3.96000

    68*

    2.28636

    6.76710

    13.53420

    26.28000

    41

    0.38280

    1.13300

    2.26600

    4.40000

    69*

    2.45340

    7.26150

    14.52300

    28.20000

    42

    0.42630

    1.26175

    2.52350

    4.90000

    70*

    2.62392

    7.76620

    15.53240

    30.16000

    43

    0.46980

    1.39050

    2.78100

    5.40000

    *The premium for ages 56-70 are applicable for renewal only.


    Appendix - Premium Table for AIA Critical Illness Cover

    (per RM1,000 sum assured)

    Female Smoker

    Age

    Monthly

    Quarterly

    Semi-Annual

    Annual

    Age

    Monthly

    Quarterly

    Semi-Annual

    Annual

    16

    0.05046

    0.14935

    0.29870

    0.58000

    44

    0.77256

    2.28660

    4.57320

    8.88000

    17

    0.05568

    0.16480

    0.32960

    0.64000

    45

    0.84912

    2.51320

    5.02640

    9.76000

    18

    0.06090

    0.18025

    0.36050

    0.70000

    46

    0.93786

    2.77585

    5.55170

    10.78000

    19

    0.06612

    0.19570

    0.39140

    0.76000

    47

    1.00920

    2.98700

    5.97400

    11.60000

    20

    0.07308

    0.21630

    0.43260

    0.84000

    48

    1.05966

    3.13635

    6.27270

    12.18000

    21

    0.08178

    0.24205

    0.48410

    0.94000

    49

    1.11534

    3.30115

    6.60230

    12.82000

    22

    0.09222

    0.27295

    0.54590

    1.06000

    50

    1.17972

    3.49170

    6.98340

    13.56000

    23

    0.10092

    0.29870

    0.59740

    1.16000

    51

    1.24758

    3.69255

    7.38510

    14.34000

    24

    0.10962

    0.32445

    0.64890

    1.26000

    52

    1.32762

    3.92945

    7.85890

    15.26000

    25

    0.12006

    0.35535

    0.71070

    1.38000

    53

    1.41636

    4.19210

    8.38420

    16.28000

    26

    0.12702

    0.37595

    0.75190

    1.46000

    54

    1.51380

    4.48050

    8.96100

    17.40000

    27

    0.13746

    0.40685

    0.81370

    1.58000

    55

    1.61820

    4.78950

    9.57900

    18.60000

    28

    0.14964

    0.44290

    0.88580

    1.72000

    56*

    1.73130

    5.12425

    10.24850

    19.90000

    29

    0.16530

    0.48925

    0.97850

    1.90000

    57*

    1.83570

    5.43325

    10.86650

    21.10000

    30

    0.18270

    0.54075

    1.08150

    2.10000

    58*

    1.92966

    5.71135

    11.42270

    22.18000

    31

    0.20358

    0.60255

    1.20510

    2.34000

    59*

    2.02884

    6.00490

    12.00980

    23.32000

    32

    0.22446

    0.66435

    1.32870

    2.58000

    60*

    2.15064

    6.36540

    12.73080

    24.72000

    33

    0.24708

    0.73130

    1.46260

    2.84000

    61*

    2.28462

    6.76195

    13.52390

    26.26000

    34

    0.27144

    0.80340

    1.60680

    3.12000

    62*

    2.43252

    7.19970

    14.39940

    27.96000

    35

    0.30102

    0.89095

    1.78190

    3.46000

    63*

    2.60130

    7.69925

    15.39850

    29.90000

    36

    0.33756

    0.99910

    1.99820

    3.88000

    64*

    2.78748

    8.25030

    16.50060

    32.04000

    37

    0.37410

    1.10725

    2.21450

    4.30000

    65*

    2.64306

    7.82285

    15.64570

    30.38000

    38

    0.41586

    1.23085

    2.46170

    4.78000

    66*

    2.94582

    8.71895

    17.43790

    33.86000

    39

    0.46110

    1.36475

    2.72950

    5.30000

    67*

    3.17724

    9.40390

    18.80780

    36.52000

    40

    0.51330

    1.51925

    3.03850

    5.90000

    68*

    3.42954

    10.15065

    20.30130

    39.42000

    41

    0.57072

    1.68920

    3.37840

    6.56000

    69*

    3.67662

    10.88195

    21.76390

    42.26000

    42

    0.63510

    1.87975

    3.75950

    7.30000

    70*

    3.93066

    11.63385

    23.26770

    45.18000

    43

    0.69948

    2.07030

    4.14060

    8.04000

    *The premium for ages 56-70 are applicable for renewal only.

    Appendix - Contribution Table for AIA i-Critical Illness Cover

    (per RM1,000 sum covered)

    Male Non-Smoker

    Age

    Monthly

    Quarterly

    Semi-Annual

    Annual

    Age

    Monthly

    Quarterly

    Semi-Annual

    Annual

    16

    0.07

    0.22

    0.43

    0.84

    44

    0.65

    1.92

    3.84

    7.45

    17

    0.07

    0.22

    0.44

    0.86

    45

    0.73

    2.16

    4.31

    8.37

    18

    0.08

    0.23

    0.45

    0.88

    46

    0.81

    2.41

    4.81

    9.34

    19

    0.08

    0.25

    0.50

    0.97

    47

    0.91

    2.70

    5.39

    10.47

    20

    0.09

    0.27

    0.54

    1.04

    48

    1.02

    3.02

    6.04

    11.73

    21

    0.10

    0.29

    0.58

    1.13

    49

    1.14

    3.38

    6.76

    13.12

    22

    0.10

    0.30

    0.60

    1.17

    50

    1.27

    3.77

    7.53

    14.63

    23

    0.11

    0.32

    0.64

    1.24

    51

    1.41

    4.18

    8.37

    16.25

    24

    0.11

    0.33

    0.66

    1.29

    52

    1.58

    4.67

    9.33

    18.12

    25

    0.12

    0.34

    0.68

    1.33

    53

    1.77

    5.24

    10.48

    20.34

    26

    0.12

    0.35

    0.70

    1.35

    54

    1.98

    5.85

    11.71

    22.73

    27

    0.12

    0.36

    0.71

    1.38

    55

    2.21

    6.55

    13.11

    25.45

    28

    0.12

    0.37

    0.73

    1.42

    56*

    2.48

    7.34

    14.68

    28.51

    29

    0.13

    0.38

    0.76

    1.47

    57*

    2.73

    8.07

    16.15

    31.35

    30

    0.13

    0.39

    0.79

    1.53

    58*

    2.95

    8.73

    17.45

    33.89

    31

    0.14

    0.42

    0.85

    1.65

    59*

    3.19

    9.43

    18.86

    36.63

    32

    0.16

    0.46

    0.93

    1.80

    60*

    3.44

    10.18

    20.36

    39.54

    33

    0.18

    0.52

    1.05

    2.03

    61*

    3.70

    10.95

    21.89

    42.51

    34

    0.20

    0.59

    1.17

    2.28

    62*

    3.97

    11.74

    23.48

    45.59

    35

    0.22

    0.65

    1.30

    2.52

    63*

    4.25

    12.58

    25.17

    48.87

    36

    0.25

    0.73

    1.46

    2.84

    64*

    4.57

    13.53

    27.06

    52.54

    37

    0.28

    0.82

    1.65

    3.20

    65*

    4.57

    13.53

    27.06

    52.54

    38

    0.31

    0.93

    1.85

    3.60

    66*

    5.10

    15.09

    30.19

    58.62

    39

    0.35

    1.05

    2.10

    4.08

    67*

    5.46

    16.15

    32.31

    62.73

    40

    0.40

    1.18

    2.35

    4.57

    68*

    5.80

    17.17

    34.35

    66.69

    41

    0.45

    1.33

    2.67

    5.18

    69*

    6.18

    18.30

    36.60

    71.06

    42

    0.51

    1.51

    3.01

    5.85

    70*

    6.59

    19.50

    39.00

    75.72

    43

    0.57

    1.70

    3.40

    6.60

    *The contribution for ages 56-70 are applicable for renewal only.


    Appendix - Contribution Table for AIA i-Critical Illness Cover

    (per RM1,000 sum covered)

    Male Non-Smoker

    Age

    Monthly

    Quarterly

    Semi-Annual

    Annual

    Age

    Monthly

    Quarterly

    Semi-Annual

    Annual

    16

    0.07

    0.20

    0.41

    0.79

    44

    0.43

    1.28

    2.56

    4.98

    17

    0.07

    0.20

    0.41

    0.79

    45

    0.49

    1.44

    2.87

    5.58

    18

    0.07

    0.20

    0.41

    0.79

    46

    0.54

    1.61

    3.21

    6.24

    19

    0.07

    0.21

    0.42

    0.81

    47

    0.61

    1.80

    3.59

    6.98

    20

    0.07

    0.22

    0.43

    0.84

    48

    0.68

    2.01

    4.02

    7.81

    21

    0.07

    0.22

    0.44

    0.86

    49

    0.76

    2.26

    4.51

    8.76

    22

    0.08

    0.23

    0.45

    0.88

    50

    0.85

    2.51

    5.02

    9.75

    23

    0.08

    0.23

    0.45

    0.88

    51

    0.94

    2.79

    5.59

    10.85

    24

    0.08

    0.23

    0.45

    0.88

    52

    1.05

    3.11

    6.23

    12.09

    25

    0.08

    0.23

    0.45

    0.88

    53

    1.18

    3.49

    6.99

    13.57

    26

    0.08

    0.23

    0.46

    0.90

    54

    1.32

    3.90

    7.80

    15.15

    27

    0.08

    0.24

    0.48

    0.93

    55

    1.48

    4.37

    8.74

    16.97

    28

    0.08

    0.24

    0.49

    0.95

    56*

    1.65

    4.89

    9.78

    18.99

    29

    0.08

    0.25

    0.50

    0.97

    57*

    1.82

    5.38

    10.77

    20.91

    30

    0.09

    0.27

    0.54

    1.04

    58*

    1.97

    5.82

    11.63

    22.59

    31

    0.10

    0.29

    0.57

    1.11

    59*

    2.12

    6.29

    12.58

    24.42

    32

    0.11

    0.31

    0.63

    1.22

    60*

    2.29

    6.79

    13.58

    26.37

    33

    0.12

    0.35

    0.70

    1.35

    61*

    2.46

    7.29

    14.59

    28.33

    34

    0.13

    0.39

    0.78

    1.51

    62*

    2.64

    7.82

    15.65

    30.38

    35

    0.15

    0.44

    0.87

    1.69

    63*

    2.83

    8.39

    16.78

    32.58

    36

    0.16

    0.49

    0.97

    1.89

    64*

    3.05

    9.02

    18.05

    35.04

    37

    0.19

    0.55

    1.10

    2.14

    65*

    3.05

    9.02

    18.05

    35.04

    38

    0.21

    0.62

    1.24

    2.41

    66*

    3.40

    10.07

    20.13

    39.09

    39

    0.23

    0.70

    1.39

    2.70

    67*

    3.64

    10.77

    21.54

    41.83

    40

    0.27

    0.79

    1.58

    3.06

    68*

    3.87

    11.45

    22.90

    44.46

    41

    0.30

    0.89

    1.78

    3.45

    69*

    4.12

    12.20

    24.40

    47.37

    42

    0.34

    1.00

    2.01

    3.90

    70*

    4.39

    13.00

    25.99

    50.47

    43

    0.38

    1.13

    2.26

    4.39

    *The contribution for ages 56-70 are applicable for renewal only.


    Appendix - Contribution Table for AIA i-Critical Illness Cover

    (per RM1,000 sum covered)

    Female Smoker

    Age

    Monthly

    Quarterly

    Semi-Annual

    Annual

    Age

    Monthly

    Quarterly

    Semi-Annual

    Annual

    16

    0.05

    0.15

    0.30

    0.59

    44

    0.86

    2.55

    5.10

    9.90

    17

    0.06

    0.17

    0.34

    0.66

    45

    0.95

    2.80

    5.61

    10.89

    18

    0.06

    0.19

    0.37

    0.72

    46

    1.05

    3.10

    6.20

    12.04

    19

    0.07

    0.20

    0.41

    0.79

    47

    1.13

    3.34

    6.67

    12.96

    20

    0.08

    0.23

    0.45

    0.88

    48

    1.18

    3.51

    7.01

    13.62

    21

    0.09

    0.25

    0.51

    0.99

    49

    1.25

    3.69

    7.39

    14.34

    22

    0.10

    0.29

    0.58

    1.13

    50

    1.32

    3.91

    7.81

    15.17

    23

    0.11

    0.32

    0.64

    1.24

    51

    1.40

    4.13

    8.27

    16.05

    24

    0.12

    0.35

    0.70

    1.35

    52

    1.49

    4.40

    8.80

    17.08

    25

    0.13

    0.38

    0.77

    1.49

    53

    1.59

    4.69

    9.39

    18.23

    26

    0.14

    0.41

    0.81

    1.58

    54

    1.70

    5.02

    10.04

    19.49

    27

    0.15

    0.44

    0.88

    1.71

    55

    1.81

    5.37

    10.73

    20.84

    28

    0.16

    0.48

    0.96

    1.87

    56*

    1.94

    5.74

    11.48

    22.3

    29

    0.18

    0.53

    1.07

    2.07

    57*

    2.06

    6.09

    12.18

    23.65

    30

    0.20

    0.59

    1.18

    2.30

    58*

    2.16

    6.40

    12.81

    24.87

    31

    0.22

    0.66

    1.31

    2.55

    59*

    2.28

    6.73

    13.47

    26.15

    32

    0.25

    0.73

    1.45

    2.82

    60*

    2.41

    7.14

    14.28

    27.72

    33

    0.27

    0.80

    1.60

    3.11

    61*

    2.56

    7.59

    15.17

    29.46

    34

    0.30

    0.88

    1.76

    3.42

    62*

    2.73

    8.08

    16.16

    31.37

    35

    0.33

    0.98

    1.96

    3.81

    63*

    2.92

    8.63

    17.27

    33.53

    36

    0.37

    1.10

    2.20

    4.28

    64*

    3.13

    9.25

    18.51

    35.94

    37

    0.41

    1.22

    2.45

    4.75

    65*

    3.13

    9.25

    18.51

    35.94

    38

    0.46

    1.36

    2.72

    5.29

    66*

    3.30

    9.78

    19.56

    37.98

    39

    0.51

    1.51

    3.03

    5.88

    67*

    3.57

    10.55

    21.10

    40.98

    40

    0.57

    1.69

    3.37

    6.55

    68*

    3.85

    11.39

    22.78

    44.24

    41

    0.63

    1.88

    3.75

    7.29

    69*

    4.13

    12.21

    24.43

    47.43

    42

    0.71

    2.09

    4.19

    8.13

    70*

    4.41

    13.06

    26.12

    50.72

    43

    0.78

    2.31

    4.61

    8.96

    *The contribution for ages 56-70 are applicable for renewal only.


    Appendix - Contribution Table for AIA i-Critical Illness Cover

    (per RM1,000 sum covered)

    Female Non-Smoker

    Age

    Monthly

    Quarterly

    Semi-Annual

    Annual

    Age

    Monthly

    Quarterly

    Semi-Annual

    Annual

    16

    0.05

    0.15

    0.29

    0.57

    44

    0.57

    1.70

    3.40

    6.60

    17

    0.05

    0.15

    0.30

    0.59

    45

    0.63

    1.87

    3.74

    7.27

    18

    0.05

    0.16

    0.32

    0.63

    46

    0.70

    2.07

    4.14

    8.04

    19

    0.06

    0.17

    0.34

    0.66

    47

    0.75

    2.22

    4.45

    8.64

    20

    0.06

    0.18

    0.36

    0.70

    48

    0.79

    2.34

    4.67

    9.07

    21

    0.07

    0.20

    0.40

    0.77

    49

    0.83

    2.46

    4.93

    9.57

    22

    0.07

    0.22

    0.43

    0.84

    50

    0.88

    2.60

    5.21

    10.11

    23

    0.08

    0.23

    0.45

    0.88

    51

    0.93

    2.76

    5.52

    10.71

    24

    0.08

    0.24

    0.49

    0.95

    52

    0.99

    2.93

    5.87

    11.39

    25

    0.09

    0.25

    0.51

    0.99

    53

    1.06

    3.13

    6.26

    12.15

    26

    0.09

    0.27

    0.55

    1.06

    54

    1.13

    3.34

    6.69

    12.99

    27

    0.10

    0.30

    0.59

    1.15

    55

    1.21

    3.58

    7.16

    13.91

    28

    0.11

    0.32

    0.65

    1.26

    56*

    1.29

    3.83

    7.66

    14.88

    29

    0.12

    0.36

    0.71

    1.38

    57*

    1.37

    4.06

    8.13

    15.78

    30

    0.13

    0.39

    0.79

    1.53

    58*

    1.44

    4.27

    8.54

    16.59

    31

    0.15

    0.44

    0.87

    1.69

    59*

    1.52

    4.49

    8.98

    17.44

    32

    0.16

    0.48

    0.96

    1.87

    60*

    1.61

    4.76

    9.52

    18.48

    33

    0.18

    0.53

    1.07

    2.07

    61*

    1.71

    5.05

    10.10

    19.62

    34

    0.20

    0.59

    1.18

    2.30

    62*

    1.82

    5.38

    10.77

    20.91

    35

    0.22

    0.66

    1.31

    2.55

    63*

    1.95

    5.76

    11.52

    22.37

    36

    0.25

    0.73

    1.46

    2.84

    64*

    2.08

    6.16

    12.33

    23.94

    37

    0.28

    0.82

    1.64

    3.18

    65*

    2.08

    6.16

    12.33

    23.94

    38

    0.31

    0.90

    1.81

    3.51

    66*

    2.20

    6.52

    13.04

    25.32

    39

    0.34

    1.01

    2.02

    3.92

    67*

    2.38

    7.03

    14.07

    27.32

    40

    0.38

    1.13

    2.25

    4.37

    68*

    2.56

    7.59

    15.18

    29.48

    41

    0.42

    1.25

    2.50

    4.86

    69*

    2.75

    8.14

    16.28

    31.62

    42

    0.47

    1.40

    2.80

    5.43

    70*

    2.94

    8.71

    17.42

    33.82

    43

    0.52

    1.54

    3.08

    5.99

    *The contribution for ages 56-70 are applicable for renewal only.

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    1-800-88-8733
    CONTACT AIA
    AIA Bhd.
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    For overseas customers
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    AIA PUBLIC Takaful Bhd.
    1300-88-8922
    AIA General Berhad
    1300-88-1899
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    Customer Relations Unit Menara AIA, 99 Jalan Ampang 50450 Kuala Lumpur

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