Life Protection
Protect yourself and your loved ones from life's uncertainties with AIA's life insurance and takaful plans.
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{{label}}Critical Illness Protection
Coverage Period
Entry Age
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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.
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.
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.
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.
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:
This benefit is administered by our service provider, Teladoc Health, Inc. (Teladoc).
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.
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.
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
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.