Investment-Linked Funds

A-Life Lady-i

Critical Illness Protection

Coverage Period

Up to 80 years old

Entry Age

16 - 45 YEARS OLD

You can participate in this plan via

AIA life planner

WHAT IS THIS PRODUCT ABOUT

A-Life Lady-i is a comprehensive female plan that meets your protection needs. This plan provides you with death and total and permanent disability benefits, along with a number of first-in-market features specially designed for women.

When you participate in A-Life Lady-i and sign up as an AIA Vitality member, you will get an additional bonus every year, called the Yearly Cash Bonus. Through Yearly Cash Bonus, you may receive a cash bonus up to 50% of your basic contribution paid for A-Life Lady-i on every certificate anniversary.

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

Read more about A-Life Lady-i in Bahasa Malaysia.

What does it provide?

GIFT OF JOY

As a A-Life Lady-i participant, when you participate in A-Life Ikhtiar, the Gift of Joy benefit gives you a cash reward amounting to 1% of your coverage amount. If you attach A-Plus Total Health to that certificate, we will pay you additional 2% of the coverage amount!
BUNDLE OF JOY

As a A-Life Lady-i participant, you can enjoy the privilege of securing coverage for your child without going through medical underwriting if your pregnancy is less than 14 weeks - by choosing A-Life Ikhtiar and A-Plus BabyCare Xtra-i rider.
COMPREHENSIVE FEMALE CANCER PROTECTION

Being diagnosed with cancer is challenging – physically, emotionally and financially. A-Life Lady-i covers you against female cancers from the early stages onwards, ensuring that you are financially secured so that you can focus on treatment and recovery.
FEMALE CARE BENEFIT

A-Life Lady-i provides first in the market and extensive female care benefits and one-off payments for complications from elective cosmetic surgery, hormone therapy for menopause and psychotherapy treatments for anxiety or depression.
FEMALE PREGNANCY BENEFIT

This plan covers you for a wide range of pregnancy complications.
CASH REWARD

We want to celebrate the important milestones in your life by giving you a cash reward for these auspicious events particularly marriage, childbirth and golden age. Total cash reward is up to 12% of your coverage amount!
MATURITY BENEFIT

When your plan matures at 80, we will pay you 150% of your coverage amount to celebrate this significant milestone in your life.
YEARLY CASH BONUS

You can enjoy a Yearly Cash Bonus when you participate in A-Life Lady-i and sign up as an AIA Vitality member. The first Yearly Cash Bonus is 10% of your basic contribution paid for A-Life Lady-i.
SURPLUS

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

Takaful Lingo Explained

What does early stage mean?

In a typical critical illness plan, Takaful Operator shall only pay you the benefits if the disease is considered as life threatening.

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

What does one-off payments mean?

This is a single, large claim payment.

What does maturity mean?

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

What does waiting period mean?

This is the time period where Takaful Operator will not pay for certain claims.

ENJOY Special PRIVILEGES AND OFFERS WHEN YOU SIGN UP FOR A PLAN WITH US!

As an AIA customer, you get to enjoy privileges and preferential rates on a range of services offered by our healthcare partners.

Women's Health Screenings from as low as RM260

Save up to RM4,000 for Fertility Treatments

Save up to RM1,200 for Maternity / Delivery

Enjoy up to 15% off for Child Vaccinations

Enjoy up to 35% off for Post-Natal Home Services

Save over RM600 for Traditional Chinese Medicine services

Women's Health Screenings from as low as RM260

Save up to RM4,000 for Fertility Treatments

VIEW ALL PRIVILEGES AND OFFERS

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

- COLLAPSE + EXPAND

This plan covers individuals up to age 80. Coverage for TPD is up to age 65 and coverage for female pregnancy benefit is up to age 45. If the Person Covered is pregnant, the maximum gestational week allowed is 35 weeks.
Gift of Joy is eligible provided the child’s date of birth must be at least 280 days from the Issue Date or Commencement Date of A-Life Lady-i and the application for A-Life Ikhtiar made when the Person Covered’s pregnancy term is less than 35 gestation weeks or within 60 days after the child's date of birth.There is a 90-day waiting period from the Issue Date of A-Life Ikhtiar certificate to the time of benefit payment. If you have participated in more than one A-Life Ikhtiar plans for your baby, this benefit shall only applicable to the first approved certificate.
Bundle of Joy is eligible provided your pregnancy is less than 14 weeks and all requirements are met.
Female carcinoma in situ or cancer is referring to the following female organs: breast, cervix uteri, uterus, fallopian tube, vulva/vagina or ovary.
Only marriage and/or childbirth events that happen from the 2ⁿᵈ certificate year onwards are entitled to the cash reward. The first claim can only be made after the contribution for the first 2 certificate years have been paid in full. Each benefit payout shall only be payable for one event per certificate year and will only be paid at certificate anniversary subject to full payment of contribution for the certificate year have been received by us. In the event that you are entitled for 2 events under cash reward benefit during the same certificate year, the benefit payment will be paid in 2 separate payments over 2 consecutive certificate years. This means that if you get married and give birth in the same certificate year, you will receive the second payment in the subsequent certificate year.
You will receive your Yearly Cash Bonus on every certificate anniversary provided that your AIA Vitality membership has remained active throughout the certificate years.
The contribution rates of this plan are level and based on your age at issuance date of the plan.
The contributions for this plan are not guaranteed and AIA PUBLIC Takaful reserves the right to revise the contribution rates by giving you 3 months' written notice.
The contributions 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.
If there is any surplus arising from the takaful risk fund, the surplus will be shared with the eligible participants according to their Tabarru’ allocation.

Our Products

Investment-Linked Funds

Life Protection

Medical Protection

Critical Illness Protection

Savings & Investment

Accident Protection

Property Solutions

Motor Insurance

Online Products

AIA Vitality

Employee Benefits

Commercial Insurance

AIA Vitality

How It Works

REWARDS & BENEFITS

Member’s Testimonial

Join AIA Vitality

What Matters

Health & Wellness

Finance & Insurance

Video Gallery

Mental Wellbeing

Health Statistics

About AIA

About AIA Bhd.

About AIA Public Takaful Bhd

About AIA General Berhad

About AIA Pension & Asset Management

Career Opportunities

Community & Partnerships

Media Centre

Events & Promotions

Customer Charter

Help & Support

Contact Us

Locate Us

Claims Process And Guides

Premium Payment

FAQ

Important Announcements

Form Library

How to Guides

My AIA

CUSTOMER PORTAL

CORPORATE PORTAL

EN

BM

Contact Us

AIA BHD.

AIA PUBLIC TAKAFUL BHD.

AIA General Berhad

AIA Roadside Assist

A-Life Lady-i

Up to 80 years old

16 - 45 YEARS OLD

AIA life planner

WHAT IS THIS PRODUCT ABOUT

What does it provide?

GIFT OF JOY

BUNDLE OF JOY

COMPREHENSIVE FEMALE CANCER PROTECTION

FEMALE CARE BENEFIT

FEMALE PREGNANCY BENEFIT

CASH REWARD

MATURITY BENEFIT

YEARLY CASH BONUS

SURPLUS

Takaful Lingo Explained

ENJOY Special PRIVILEGES AND OFFERS WHEN YOU SIGN UP FOR A PLAN WITH US!

THE TERMS & CONDITIONS AT A GLANCE

THE TERMS & CONDITIONS AT A GLANCE