Life Protection
Protect your loved ones’ future from life’s uncertainties.
A-Life Cancer360
Critical Illness Protection
Coverage Period
Up to 80 years old
Entry Age
14 days - 60 years old
You can buy this via
AIA life planner
WHAT IS THIS PRODUCT ABOUT
Thanks to medical advancements, cancer is now highly treatable. As the cost of treating cancer rises, the question then becomes: are you financially prepared to fight cancer?
A-Life Cancer360 is a complete cancer protection plan that provides coverage from the early to more advanced stages of cancer.
When you purchase A-Life Cancer360 and sign up as an AIA Vitality member, you’ll get an additional bonus every year, which is called the Yearly Cash Bonus. This means that through Yearly Cash Bonus, you may receive a cash bonus up to 50% of your basic premium paid for A-Life Cancer360 on every policy anniversary, without having to pay additional premium.
So join AIA Vitality, our unique insurance and health programme that actively supports and rewards you for making healthy choices.
What does it provide?
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Early Stage Cancer Protection
If you are diagnosed with early stage cancer, you will receive a lump sum payment of 30% of the amount you are covered for. We will also pay you up to a further 20% of your coverage amount in the first year of your diagnosis to support your recovery.
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Power Reset
If you have made a claim for early stage cancer, the Power Reset feature returns your coverage to the full amount one year after your diagnosis. This allows you to resume full coverage against cancer for the remainder of your plan.
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Advanced Stage Cancer Protection
If you are diagnosed with a more advanced stage of cancer, you will receive 100% of the amount you are covered for in a lump sum payment so you can get the treatment you need. To help you focus on your recovery, we will pay you an additional 50% of your coverage amount over the next 5 years. You are entitled to this benefit even if you had claimed for early stage cancer.
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Maturity Payment
When your plan ends at age 80, we will pay you the full amount you are covered for. You are entitled to this benefit even if you had claimed for early stage cancer.
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No Waiting Period Between Claims
Enjoy continuous coverage with no waiting period between claims.
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Cancer-Based Underwriting
We will only consider your medical condition and family history related to cancer when assessing your application.
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yearly cash bonus
You can enjoy a Yearly Cash Bonus without having to pay additional premium when you purchase A-Life Cancer360 and sign up as an AIA Vitality member. The first Yearly Cash Bonus is 20% of your basic premium paid for A-Life Cancer360.
Insurance Lingo Explained
What does early stage cancer mean?
In a typical critical illness plan, insurers only pay you the benefits if the cancer is considered life threatening. This plan, however, also covers the early stages of cancer including carcinoma in situ, early prostate cancer, early thyroid cancer, early bladder cancer and early chronic lymphocytic leukaemia.
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 cancer based underwriting mean?
This means AIA will only takes into consideration your medical condition and family history related to cancer for the approval of your application, making it simpler for you to get protected.
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
- This plan covers individuals up to age 80.
- 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.
- Goods and Services Tax will be chargeable at the prevailing rate on the premium payable for A-Plus CriticalCover, if attached to your policy.
- 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.
- You will receive your Yearly Cash Bonus on every policy anniversary provided that your AIA Vitality membership has remained active throughout the policy years.