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Critical Illness Protection
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  • Takaful Vitality

    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.

    • Product Brochure Product Brochure
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    • Learn more about AIA Vitality Learn more about AIA Vitality

    What does it provide?

    • GIFT OF JOY
      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
      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
      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
      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
      FEMALE PREGNANCY BENEFIT

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

    • CASH REWARD
      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
      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
      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
      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.

    Health Screenings

    Women's Health Screenings from as low as RM260

    Save up to RM4,000 for Fertility Treatments

    Maternity / Delivery Packages

    Save up to RM1,200 for Maternity / Delivery

    Child Vaccinations

    Enjoy up to 15% off for Child Vaccinations

    Post-Natal Home Visits

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

    TCM Services and Care

    Save over RM600 for Traditional Chinese Medicine services

    Health Screenings

    Women's Health Screenings from as low as RM260

    Save up to RM4,000 for Fertility Treatments

    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

    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.
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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
    AIA Roadside Assist
    1-800-88-8733
    www.aia.com.my/roadsideAssist

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