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Critical Illness Protection
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    • Vitality

    A‑Life Critical​Shield

    Critical Illness Protection

    Coverage Period

    Up to 85 years old

    Entry Age

    14 DAYS - 60 YEARS OLD

    You can buy this via

    AIA life planner

    WHAT IS THIS PRODUCT ABOUT

    While we look forward to a bright future, we must also make allowances for the unexpected events that can occur. Are you and your family sufficiently prepared to tackle a critical illness?

    A-Life CriticalShield is a critical illness plan that will protect you until age 85. The plan's increasing protection levels ensure that you'll be well covered when you need it the most so you can focus on your recovery rather than worry about the finances.  

    • Product Brochure Product Brochure
    • Share Share

    WHAT DOES IT PROVIDE?

    • Limited Premium Payment Term
      Limited Premium Payment Term

      You can choose to pay for this plan over 20 years or until you reach 55, whichever term is longer. Once your payment term ends, you will continue to enjoy protection until you are 85 years old.

    • Increasing Critical Illness Benefit
      Increasing Critical Illness Benefit

      You will receive a lump sum payment if you are diagnosed with a critical illness covered by this plan. The amount you are covered for  increases by up to 200% over the term of your policy.

    • Increasing Death Benefit
      Increasing Death Benefit

      This plan provides your family with a lump sum payment when you pass away. The amount you are covered for increases by up to 200% over the term of your policy.

    • Increasing Total and Permanent Disability Benefit
      Increasing Total and Permanent Disability Benefit

      You will receive a lump sum payment if you suffer total and permanent disability (TPD). The amount you are covered for increases by up to 200% over the term of your policy.

    • Enjoy Extra Cash
      Enjoy Extra Cash

      With this policy, you may be able to enjoy extra cash in the form of annual and terminal dividends. 

    • Maturity Payment
      Maturity Payment

      When your plan ends at age 85, you will receive the amount that you are covered for as a lump sum.

    Insurance Lingo Explained

    What does annual dividend & terminal dividend mean?

    You may receive extra cash in the form of annual dividens. In addition, a terminal dividend may be paid out to you when you make a claim, choose to stop the policy or when the policy ends.

    What does critical illness mean?

    Critical illness refers to life-threatening condition which is defined in your policy contract.

    What does total & permanent disability mean?

    It means that because of a sickness or injury, a person is unable to ever work again. 

    What does maturity mean?

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

    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 up to age of 85. Coverage for TPD is up to age 65.
    • The premium rates are level and based on the age at issue date of the plan.
    • The premiums for this plan are guaranteed.
    • 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. 
    • Annual Dividends and Terminal Dividend are not guaranteed.
    • You will have to serve a waiting period before you can make any claims under this plan except for death and TPD. Different waiting period shall apply for different benefits. 

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    Provides essential cover that increases over the years so you are adequately protected should you suffer from critical illness.

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    COMPREHENSIVE

    A-Plus Early CriticalCare

    Critical Illness Protection

    A critical illness plan that allows you to claim at the early stage of up to 92 critical illness events, until you are age 85.
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    1300-88-1899
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