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Critical Illness Protection
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    • Vitality

    A-Life Lady360

    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 Lady360 is a comprehensive female plan that meets your protection needs. This plan provides you with life insurance benefits along with a number of first-in-market features specially designed for women.

    When you purchase A-Life Lady360 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 active supports and rewards you for making healthy choices.

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

    What does it provide?

    • BUNDLE OF JOY
      BUNDLE OF JOY

      As a A-Life Lady360 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 2 plan and A-Plus BabyCare rider.

    • Gift of Joy
      Gift of Joy

      Expecting mothers who purchase a new A-Life Joy 2 plan will receive a cash reward amounting to 1% of the coverage amount. If you attach A-Plus BabyCare to the policy, we will pay you a total of 3% 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 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
      FEMALE CARE BENEFIT

      To make sure you’re fully taken care of, A-Life Lady360 includes extensive female care benefits and is the first plan in the market to provide 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
      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 age 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 without having to pay additional premiums when you purchase A-Life Lady360 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. 

    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 all requirements are met.
    • We will pay out Gift of Joy benefit if your A-Life Joy 2 policy is approved and you make the application while you are less than 35 weeks pregnant. If you have purchased more than one A-Life Joy 2 plan for your baby, this benefit will only apply to the first approved policy. 
    • 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 policy, we will pay out the benefit after your first policy anniversary. 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 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.

    Similar Products

    A-Plus Venus & A-Plus VenusExtra

    Critical Illness Protection

    A critical illness plan that protects a woman's physical and emotional wellbeing.
    Contact Us
    AIA Bhd.
    1300-88-1899
    For overseas customers
    603 2056 1111
    AIA PUBLIC Takaful Bhd.
    1300-88-8922
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    1300-88-1899
    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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