- Overview
- Benefits
- Terms & Conditions
- Additional Protection
Benefits
Yearly Cash Bonus
Enjoy extra benefits as an AIA Vitality Member and unlock extra benefits (subject to membership status)
- Health Screening available every 2 years
- Yearly Cash Bonus payable starting from the end of the 1st policy year and every year thereafter
Frequently Asked Questions
A-Life Beyond Critical Care is a critical illness insurance plan that takes a more comprehensive approach to health protection, helping you prevent, protect, and navigate your health journey with greater confidence.
The plan combines critical illness coverage, health screening benefits, recovery support, and rewards for healthy living to support you at every stage, from prevention and early detection to treatment, recovery, and beyond.
A-Life Beyond Critical Care provides comprehensive critical illness protection that covers you from early detection to prevention, and from treatment to recovery until the age of 80.
Here are its key benefits:
- Comprehensive critical illness protection -
Cover 180 critical illness conditions, with 100% lump sum payment when diagnosed with an early, intermediate, or advanced stage critical illness.
- Total Health Solution -
Provides Health Screening Benefit which facilitates early detection for a faster recovery. Upon any diagnosis of a covered illness, you will receive a Recovery Support Benefit.
- Yearly Cash Bonus -
Worth up to 20% of your annualised premiums when you sign up as an AIA Vitality member. No additional premium needed.
- Personal Medical Case Management (PMCM) Service -
We partner with Teladoc Health Inc. to offer you PMCM services, ensuring that you receive the most suitable treatment plan and on-going support during your recovery.
- Rewards -
When your plan matures at age 80, you can get up to 150% of your total premiums paid to celebrate this significant milestone in your life.
- Optional benefits -
With A-Plus Beyond Advance Care, you can get a lump sum benefit of 100% of the coverage amount.
Personal Medical Case Management (PMCM) is a value-added service provided by AIA through Teladoc Health that offers end-to-end support throughout your medical and recovery journey.
PMCM helps you:
- Better understand your medical condition
- Review your diagnosis and treatment options
- Access medical opinions and specialist recommendations
- Explore suitable treatment options
- Receive ongoing medical guidance and support
Through PMCM, you gain access to global medical expertise to help you make informed decisions about your care and recovery.
As an AIA Vitality member, you can enjoy additional rewards and health benefits with A‑Life Beyond Critical Care.
Health Screening Benefit
Receive a health screening benefit every 2 years to encourage regular health checks. The reimbursement amount depends on your AIA Vitality status.
Yearly Cash Bonus
Receive a yearly cash bonus from the end of the first policy year onwards, based on your AIA Vitality status.
The higher your AIA Vitality status (such as Gold or Platinum), the greater your potential rewards.
How this benefits you:
- Get rewarded for staying healthy -
Healthy lifestyle choices can help you earn greater rewards. - Save on your insurance costs -
You may receive yearly cash bonuses worth up to 20% of your annualised premiums. - Enjoy more value from your coverage -
Benefit from both critical illness protection and rewards for maintaining a healthier lifestyle.
A-Life Beyond Critical Care covers comprehensive critical illness coverage for 180 conditions. They are broken down into 65 Early Stage Critical Illnesses, 40 Intermediate Stage Critical Illnesses and 75 Advanced Stage Critical Illnesses, including some of the most common conditions such as:
- Cancer
- Heart attack
- Stroke
For the full list of covered illnesses, please refer here.
Like most insurance plans, A-Plus Beyond Critical Care includes certain exclusions that are not covered under the policy. These may include pre-existing conditions, illnesses diagnosed during the waiting period, or conditions specifically excluded in the policy contract. You are encouraged to read the exclusions section carefully to avoid misunderstandings during the claims process.
Yes, like most critical illness insurance plans, A‑Life Beyond Critical Care includes a waiting period.
This means you will need to wait for a specified period after the policy starts before you can make a claim for certain conditions (subject to policy terms).
It’s important to check the waiting period terms carefully to better understand when the coverage becomes eligible.
A-Life Beyond Critical Care covers up to 180 critical illness conditions and pays a lump-sum benefit upon diagnosis of a covered illness and compassionate benefit ( upon death ) is provided.
It’s important to note:
- It is different from medical insurance, which covers hospital bills and treatment costs
- It does not include medical coverage on its own
A critical illness is a serious medical condition that can significantly impact your health, lifestyle, and finances. Common examples include cancer, heart attack, and stroke.
Treatment and recovery may require ongoing medical care, rehabilitation, and time away from work, which can create additional financial challenges.
A medical plan and critical illness insurance serve different purposes and work best together.
A medical plan helps cover hospital and treatment costs, while critical illness insurance provides a cash payout if you're diagnosed with a covered critical illness.
The payout can help cover:
- Loss of income
- Daily living expenses
- Loan repayments
- Recovery and rehabilitation costs
Having both plans can provide more complete financial protection.
A serious illness can affect your ability to work while your financial commitments continue.
Critical illness insurance provides a cash payout upon diagnosis, which can help you:
- Replace lost income
- Manage daily expenses
- Pay ongoing financial commitments
- Cover recovery-related costs
This can help reduce financial stress and give you a peace of mind during recovery.
Terms & Conditions
1. This plan covers individuals up to age 80.
2. Yearly Cash Bonus is applicable for AIA Vitality members only. The bonus payable is a percentage of the premiums paid for both A-Life Beyond Critical Care and A-Plus Beyond Advance Care.
3. Health Screening Benefit is applicable for AIA Vitality members with basic coverage amount of at least RM100,000. This benefit is only available after the first policy year.
4. PMCM Service is only available to policies with basic coverage amount of at least RM100,000.
5. Recovery Support Benefit & PMCM Service from A-Life Beyond Critical Care will terminate 1 year after the critical illness benefit has been fully claimed.
6. Maturity benefit will only be available if the critical illness benefit has not been fully claimed.
7. You will receive your Yearly Cash Bonus on every policy anniversary provided that your AIA Vitality membership has remained active throughout the policy years.
8. The premium rates of this plan are level and based on your age at issuance date of the plan.
9. The premiums for this plan are not guaranteed and AIA reserves the right to revise the premium rates by giving you 3 months written notice.
10. The premiums paid for this plan may qualify you for a personal tax relief, subject to the final decision of the Inland Revenue Board of Malaysia.
11. You will have to serve a waiting period before you can make any claims under this plan. Different waiting period shall apply for different benefits.
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