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Critical Illness Protection
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    • Takaful Vitality

    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.

    Click here for the insurance version of this product
    • Product Brochure Product Brochure
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    • Learn more about AIA Vitality Learn more about AIA Vitality

    WATCH THE PRODUCT BENEFITS EXPLAINED

    What does it provide?

    • BUNDLE OF JOY
      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

    • GIFT OF JOY
      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!  

    • COMPREHENSIVE FEMALE CANCER PROTECTION
      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.

    • FEMALE CARE BENEFIT
      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. 

    • 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 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.

    • 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 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
    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 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.

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    Contact Us
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    603 2056 1111
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    AIA Auto Assist/Roadside Assist
    1-800-88-8733
    CONTACT AIA
    AIA Bhd.
    1300-88-1899
    For overseas customers
    603 2056 1111
    AIA PUBLIC Takaful Bhd.
    1300-88-8922
    AIA General Berhad
    1300-88-1899
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    Customer Relations Unit Menara AIA, 99 Jalan Ampang 50450 Kuala Lumpur

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