Life Protection
Protect your loved ones’ future from life’s uncertainties.
{{title}}
{{label}}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.
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.
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:
*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.
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.
What are the fees and charges that I have to pay?
The table below shows the Contribution allocation:
Certificate Year | Percentage (%) of Contribution | |
---|---|---|
Wakalah Fee | Contribution Allocation into PRF (Tabarru’) | |
1 until Maturity | 30% | 70% |
Note:
This list is non-exhaustive. Please refer to the Takaful Certificate for more information on fees and charges under this product.
What are some of the key terms and conditions that I should be aware of?
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:
What are the major exclusions under this Certificate?
This plan does not cover:
Note: This list is non-exhaustive. Please refer to the Takaful Certificate for the full list of exclusions
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.
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.
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.
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 - 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.