Investment-Linked Funds

A-Life Lady

Critical Illness Protection

Coverage Period

Up to 80 years old

Entry Age

16 - 45 YEARS OLD

You can buy this via

AIA life planner

WHAT IS THIS PRODUCT ABOUT

A-Life Lady is a comprehensive female plan that meets your protection needs. This plan provides you with life insurance benefits that are specifically designed for women.

When you purchase A-Life Lady and sign up as an AIA Vitality member, you’ll get an additional bonus every year, called the Yearly Cash Bonus. You will receive this bonus as a reward for your healthy choices, and may get a cash bonus of up to 50% of your basic premium paid every year.

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

What does it provide?

BUNDLE OF JOY

As an A-Life Lady customer, 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 Joy Xtra plan.
GIFT OF JOY

Expecting mothers who purchase a new A-Life Joy Xtra plan will receive a cash reward amounting to 1% of the coverage amount. If you attach A-Plus BabyCare Xtra to the policy, we will pay you a total of 3% of the coverage amount!
Comprehensive female cancer protection

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

To make sure you’re fully taken care of, A-Life Lady includes extensive female care benefits and provides a one-off payment for medical complications that arise due to elective cosmetic surgery, hormone replacement therapy for menopause, psychotherapy treatment for anxiety disorder or depression disorder.
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. The total cash reward is up to 12% of your coverage amount!
MATURITY BENEFIT

When your plan matures at the age of 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 without having to pay additional premiums when you purchase A-Life Lady and sign up as an AIA Vitality member. The first Yearly Cash Bonus is 10% of the basic premium you have paid for this plan.

Insurance Lingo Explained

What does early stage mean?

In a typical critical illness plan, insurers shall only pay you the benefits if the disease is considered as life threatening. This plan, however, also covers the early stages of cancer including carcinoma in situ on breast, cervix uteri, uterus, fallopian tube, vulva/vagina or ovary.

What does one-off payments 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 waiting period mean?

This is the time period where insurance company 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.
Bundle of Joy is eligible provided all requirements are met.
We will pay out Gift of Joy benefit if your application for A-Life Joy Xtra is submitted while you are less than 35 weeks pregnant and approved before your baby is born. This benefit is only payable once for the same insured of A-Life Joy Xtra and provided the proof of childbirth is submitted.
Female carcinoma in situ or cancer is referring to the following female organs: breast, cervix uteri, uterus, fallopian tube, vulva/vagina or ovary.
If you get married legally or give birth from the second policy year onwards, we will pay out the benefit on the next policy anniversary following the claim submission, provided that premium is paid up-to-date. We will only pay this benefits once in a policy year. This means that if you get married and give birth in the same policy year, you will receive the second payment in the subsequent policy year.

You will receive your Yearly Cash Bonus on every policy anniversary provided that your AIA Vitality membership has remained active throughout the policy years.
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' prior 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.
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.
Please note that premiums paid by business organisations are subject to the applicable tax imposed by the Government of Malaysia at the prevailing rate.

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A-Life Lady

Up to 80 years old

16 - 45 YEARS OLD

AIA life planner

WHAT IS THIS PRODUCT ABOUT

What does it provide?

BUNDLE OF JOY

GIFT OF JOY

Comprehensive female cancer protection

Female care benefit

FEMALE PREGNANCY BENEFIT

CASH REWARD

MATURITY BENEFIT

YEARLY CASH BONUS

Insurance 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