Life Protection
Protect your loved ones’ future from life’s uncertainties.
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.
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?
-
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 plan and A-Plus BabyCare rider.
-
Gift of Joy
Expecting mothers who purchase a new A-Life Joy 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
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
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
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. Total cash reward is up to 12% of your coverage amount!
-
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
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
- 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 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 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.