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    • Takaful Vitality

    A-Life Kritikal Protector

    Critical Illness Protection

    Coverage Period

    UP TO 60 & 70 YEARS OLD

    Entry Age

    14 DAYS – 60 YEARS OLD

    You can participate in this plan via

    AIA life planner

    WHAT IS THIS PRODUCT ABOUT

    A critical illness diagnosis can come when we least expect it. We often overlook our physical and financial positions after we are discharged from the hospital. A-Life Kritikal Protector is a takaful plan that provides a lump sum to you if you are diagnosed with any of the covered critical illnesses, so you can focus on your recovery journey.

    When you purchase A-Life Kritikal Protector and sign up as an AIA Vitality member, you’ll get an additional coverage through Vitality Booster as a reward for staying healthy.

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

    • PRODUCT BROCHURE PRODUCT BROCHURE
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    • Learn more about AIA Vitality Learn more about AIA Vitality

    WHAT DOES IT PROVIDE?

    • SUPPORT YOU IN YOUR RECOVERY JOURNEY
      SUPPORT YOU IN YOUR RECOVERY JOURNEY

      100% coverage amount will be payable if you are diagnosed with any of the 45 covered critical illnesses that you can use to cover immediate or long-term costs for your recovery.

      RM3,000 as Caregiver Benefit to support the cost of hiring a caregiver so you can recover with the help you need. 

    • COMPASSIONATE BENEFIT
      COMPASSIONATE BENEFIT

      Receive 10% of the coverage amount if you pass away.

       

    • ENHANCE YOUR PROTECTION WITH AIA VITALITY
      ENHANCE YOUR PROTECTION WITH AIA VITALITY

      We reward you for making healthy choices. Sign up as an AIA Vitality member now to unlock additional benefit with Vitality Booster. The healthier the choices you make, the higher the amount of Vitality Booster you will receive upon the occurrence of the claim event. 

    • CUSTOMISE YOUR PLAN TO SUIT YOUR PROTECTION NEEDS
      CUSTOMISE YOUR PLAN TO SUIT YOUR PROTECTION NEEDS

      You can choose the combination of payment and coverage duration to suit your protection needs. Further enhance your protection by attaching the available riders. 

    • SURPLUS
      SURPLUS

      If there is any excess from the Takaful risk fund at the end of every year, AIA PUBLIC will share it with the eligible Participants at 50:50 ratio. 

    Takaful Lingo Explained

    What does lump sum mean?

    This is a single claim payment based on your coverage amount.

    What does waiting period mean?

    This is the time period where the takaful 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
    • Depending on the expiry age you selected, this plan covers up to age 60 or 70.
    • The contribution and Tabarru' for this plan is not guaranteed and AIA PUBLIC Takaful Bhd. reserves the right to revise the contribution and Tabarru' by giving you 3 months' prior written notice.
    • Claim event is upon the Person Covered is diagnosed with any of the covered critical illnesses or undergoes a covered surgery (45 or 75 critical illness, if A-Plus CI Booster-i is attached) or diagnosed with any of the covered mental illness under A-Plus CI Booster-i, if attached. 
    • The contribution is payable according to your contribution term selected. Contribution payment can be made annually, half-yearly, quarterly or monthly. 
    • This Takaful plan will not provide benefit from Participants' Risk Fund (PRF) upon termination or expiry of the Takaful Certificate.
    • You will have to serve a waiting period before you can make any critical illness claims under this plan. Different waiting period shall apply for different benefits.
    • You should ensure that important information regarding this plan is disclosed to you and you understand the information disclosed. If there is ambiguity, you should seek clarification from the Takaful Operator.
    • Please refer to the Product Illustration for guaranteed benefits under this plan. 
    • In the event of non-payment of your contribution, your certificate will remain in-force as long as your Account Value in Participant's Account Fund (PAF) is sufficient to cover the relevant charges, including the Tabarru'. If any contribution is unpaid and the Account Value of PAF becomes insufficient to cover the relevant certificate charges, your certificate shall lapse after the grace period. 
    • If you cancel your certificate within the free-look period of 15 days, we will refund to you the full contribution.
    • You should ensure that important information regarding this plan is disclosed to you and you understand the information disclosed. If there is ambiguity, you should seek clarification from the Takaful Operator.
    • Please note that contributions paid by business organisations are subject to the applicable tax imposed by the Government of Malaysia at the prevailing rate.
    • The Takaful Operator will pay your portion of the surplus to charitable activities chosen by the Takaful Operator if you opt to have any surplus attributable to be donated to charity. You can opt out from the surplus donation at any time by notifying the Takaful Operator. Please take note that you will not be provided any receipts for your donations.
    • The contribution made for this plan may qualify you for a personal tax relief, subject to the final decision of the Inland Revenue Board of Malaysia.
    • The information above is not exhaustive. It is recommended that you request for a copy of the Product Illustration and Product Disclosure Sheet to know more about this product. For a detailed explanation of its benefits, exclusions, terms and conditions, please refer to the certificate contract.
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    AIA Malaysia
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    AIA Malaysia
    Menara AIA, 99, Jalan Ampang,
    50450 Kuala Lumpur
    AIA Bhd.
    1300-88-1899
    For Overseas Customers
    603 2056 1111
    AIA PUBLIC Takaful Bhd.
    1300-88-8922
    AIA General Berhad
    1300-88-1899
    AIA Pension and Asset Management Sdn. Bhd.
    1300-22-7771
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    1-800-88-8733
    www.aia.com.my/roadsideAssist
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