Life Protection
Protect your loved ones’ future from life’s uncertainties.
A-Life Lady360-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 Lady360-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 A-Life Lady360-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 Lady360-i on every certificate anniversary.
So join AIA Vitality, our unique programme that actively supports and rewards you for making healthy choices.
Bundle of joy
Bundle of Joy is a unique feature that links A-Life Lady360 and A-Life Joy to ensure the best protection for your baby.
What does it provide?
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BUNDLE OF JOY
You have the privilege to secure your child with A-Life Joy-i and its riders without medical underwriting, subject to terms and conditions
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GIFT OF JOY
When you participate in A-Life Joy-i, the Gift of Joy benefit gives you a cash reward amounting to 1% of your coverage amount. If you attach A-Plus BabyCare-i to that certificate, we will pay you additional 2% of the coverage amount!
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COMPREHENSIVE FEMALE CANCER PROTECTION
Being diagnosed with cancer is challenging – physically, emotionally and financially. A-Life Lady360-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.
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FEMALE CARE BENEFIT
A-Life Lady360-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.
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FEMALE PREGNANCY BENEFIT
This plan covers you for a wide range of pregnancy complications.
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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!
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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.
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YEARLY CASH BONUS
You can enjoy a Yearly Cash Bonus when you participate in A-Life Lady360-i and sign up as an AIA Vitality member. The first Yearly Cash Bonus is 10% of your basic premium paid for A-Life Lady360-i.
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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 early stage mean?
In a typical critical illness plan, Takaful Operators shall only pay you the benefits if the disease is considered as life threatening.
AIA PUBLIC understands that while certain diseases may not be considered as life threatening, they can have life changing impacts. That is why AIA PUBLIC also covers early stage of illnesses 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.
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
- 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 your pregnancy is less than 14 weeks and all requirements are met.
- We will pay out Gift of Joy benefit if your A-Life Joy-i certificate is approved and you make the application while you are less than 35 weeks pregnant. If you have participated in more than one A-Life Joy-i plan for your baby, this benefit will only apply to the first approved certificate.
- 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 or give birth within the first year of your certificate, we will pay out the benefit after your first certificate anniversary. We will only pay this benefits once in a certificate year. 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 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.