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Critical Illness Protection
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  • Vitality

    A-Life Beyond Critical Care

    Critical Illness Protection

    • This plan includes extensive coverage for COVID-19

    Coverage Period

    Up to 80 years old

    Entry Age

    16 - 60 YEARS OLD

    You can buy this via

    AIA life planner


    WHAT IS THIS PRODUCT ABOUT

    A-Life Beyond Critical Care is a plan that is designed to accompany your health journey and provide you with comprehensive critical illness protection until the age of 80. This plan covers you from early detection to prevention, and from treatment to recovery.

    AIA Vitality members will get a Yearly Cash Bonus every year, which is given to you as a reward for your healthy choices, and may get up to 20% of your annualised premiums paid every year. Additionally, if your coverage amount is at least RM100,000, you’ll get a Health Screening Benefit every 2 years to encourage you to get your health checked regularly.

    So join AIA Vitality, our unique behavioural change programme that actively supports and rewards you for making healthy choices. 

    • Product Brochure Product Brochure
    • Share Share
    • Learn more about AIA Vitality Learn more about AIA Vitality

    WATCH THE PRODUCT BENEFITS EXPLAINED

    What does it provide?

    • Comprehensive critical illness protection
      Comprehensive critical illness protection

      Get covered for 180 critical illness conditions! You will receive a lump sum payment of 100% of your coverage amount when you are diagnosed with an Early, Intermediate, or Advanced stage critical illness.

    • total health solution
      total health solution

      The Health Screening Benefit encourages you to know your health better and also facilitates early detection for faster recovery. After diagnosis of a covered illness, you will then get a Recovery Support Benefit to reimburse medications, consultations, follow up screenings, and also rehabilitation therapies.

    • yearly cash bonus
      yearly cash bonus

      You can enjoy a Yearly Cash Bonus without having to pay additional premiums when you purchase A-Life Beyond Critical Care and sign up as an AIA Vitality member. Every year, your bonus can be as high as 20% of the annualised premiums you have paid for this plan.

    • coverage beyond financial protection
      coverage beyond financial protection

      Other than supporting you financially, we also want to make sure that you have the best chance of getting the correct diagnosis and best medical treatment available to you. With our Personal Medical Case Management (PMCM) Service, you will receive:

      • Access to the world's leading specialists
      • Review and re-evaluate your medical condition
      • Medical recommendation based on reviewed diagnosis
      • Ongoing guidance and support

      This benefit is administered by our service provider, Teladoc Health, Inc. (Teladoc).

    • Be Rewarded for Staying Healthy
      Be Rewarded for Staying Healthy

      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.

    • Enhancing Your Plan with Optional Benefit
      Enhancing Your Plan with Optional Benefit

      You can enhance your plan by adding the optional benefit, A-Plus Beyond Advance Care which provides a lump sum benefit of 100% of the coverage amount critical illness, so that you can receive the best treatment.

    • Coverage for COVID-19
      Coverage for COVID-19

      This plan covers you for the cost of admission to ICU in a government or private hospital due to COVID-19*

       

      For more information, head on over to https://www.aia.com.my/en/covid-19-updates.html#coverage

       

      *Terms and Conditions apply

       

       

    Insurance Lingo Explained

    What does early, intermediate or advanced stage mean?

    In a typical critical illness plan, insurers shall only pay you the benefits for advanced stage critical illnesses, that is when the disease is considered as life threatening. 

     

    AIA understands that while certain diseases may not be considered as life threatening, they can have life changing impacts. That is why in addition to the advanced stage, AIA also covers early and intermediate stages of illnesses to allow you to focus on your recovery and bounce back to health to pursue your dreams.


    What does lump sum mean?

    This is a single, large claim payment.


    What does maturity mean?

    This is the date when your insurance coverage for this plan ends.


    What does waiting period mean?

    This is the time period where insurance company will not pay for certain claims. 

    Like what you've read? This is just a summary of our product. If you want more information, you can view our brochure or contact an AIA Life Planner.



    THE TERMS & CONDITIONS AT A GLANCE

    THE TERMS & CONDITIONS AT A GLANCE
    - COLLAPSE + EXPAND
    • This plan covers individuals up to age 80.
    • 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.
    • 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.
    • PMCM Service is only available to policies with basic coverage amount of at least RM100,000.
    • Recovery Support Benefit & PMCM Service from A-Life Beyond Critical Care will terminate 1 year after the critical illness benefit has been fully claimed.
    • Maturity benefit will only be available if the critical illness benefit has not been fully claimed.
    • You will receive your Yearly Cash Bonus on every policy anniversary provided that your AIA Vitality membership has remained active throughout the policy years.
    • The premium rates of this plan are level and based on your age at issuance date of the plan.
    • 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.
    • 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.
    • 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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    Menara AIA, 99, Jalan Ampang,
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    1300-88-1899
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    603 2056 1111
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    1300-88-8922
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    1300-88-1899
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    1300-22-7771
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