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Critical Illness Protection
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    • A-Plus Beyond Critical Shield & A-Plus Beyond Early Critical Shield

    Critical Illness Protection

    • This plan includes extensive coverage for COVID-19

    Coverage Period

    Up to 80 years old

    Entry Age

    16 - 60 YEARS OLD

    You can buy this via

    AIA life planner

    WHAT IS THIS PRODUCT ABOUT

    A-Plus Beyond Critical Shield is a critical illness protection plan which covers you against 75 advanced critical illness conditions, until age 80.

    You also have the option to add on A-Plus Beyond Early Critical Shield to your A-Plus Beyond Critical Shield plan which provides protection for 65 early and 40 intermediate critical illness conditions.

    When purchased together, both plans provide coverage for a total of 180 conditions from early to advanced stages of critical illnesses. 

    Read more about A-Plus Beyond Critical Shield & A-Plus Beyond Early Critical Shield in Bahasa Malaysia.

    • Product Brochure Product Brochure
    • Share Share

    What does it provide?

    • UP TO 180 CONDITIONS COVERED
      UP TO 180 CONDITIONS COVERED

      Comprises of 75 Advanced conditions covered under A-Plus Beyond Critical Shield, and 65 Early and 40 Intermediate conditions covered under A-Plus Beyond Early Critical Shield.

    • BEYOND 180 CONDITIONS
      BEYOND 180 CONDITIONS

      Futureproof your coverage as your benefits can be payable with our Intensive Care condition that can cover new found diseases and even accidents:

      • 10 continuous days (for A-Plus Beyond Critical Shield)
      • 5 continuous days (for A-Plus Beyond Early Critical Shield)

      in an acute care hospital with mechanical ventilation in Malaysia or Singapore.

    • 100% Coverage Amount for all stages of critical illness
      100% Coverage Amount for all stages of critical illness

      Receive a lump sum payment of 100% of your coverage amount1 at all stages2 of critical illness diagnosis including both early and intermediate discoveries.

    • TAILOR MADE critical illness COVERAGE
      TAILOR MADE critical illness COVERAGE

      Enjoy the flexibility of determining the coverage amount you require for early and intermediate stage critical illnesses separately from your advanced stage critical illness coverage. This way, your critical illness coverage is more personalised, according to your needs!

    • Coverage for COVID-19
      Coverage for COVID-19

      This plan covers you for the cost of admission to ICU in a government or private hospital due to COVID-19*

       

      For more information, head on over to https://www.aia.com.my/en/covid-19-updates.html#coverage

       

      *Terms and Conditions apply

    Insurance Lingo Explained

    What does early, intermediate or advanced stage mean?

    In a typical critical illness plan, insurers shall only pay you the benefits for advanced stage critical illnesses, that is when the disease is considered as life threatening.

     

    AIA understands that while certain diseases may not be considered as life threatening, they can have life changing impacts. That is why in addition to the advanced stage, AIA also covers early and intermediate stages of illnesses to allow you to focus on your recovery and bounce back to health to pursue your dreams.

    What does lump sum mean?

    This is a single, large claim payment.

    What does waiting period mean?

    This is the time period where the 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

    1 Except for Angioplasty and Other Invasive Treatment where the coverage amount payable for this claim shall be limited to 10% of the coverage amount of A-Plus Beyond Critical Shield or RM25,000, whichever is lower.
    2 Coverage amount paid under A-Plus Beyond Early Critical Shield will reduce the A-Plus Beyond Critical Shield coverage amount.

    • These optional benefits cover individuals up to age 80.
    • Coverage amount paid under A-Plus Beyond Early Critical Shield will reduce the A-Plus Beyond Critical Shield coverage amount.
    • The cost of insurance is deducted depending on your attained age and it will increase as your age increases.
    • The cost of insurance for these optional benefits are not guaranteed and AIA reserves the right to revise the cost of insurance by giving you three (3) months prior written notice.
    • The premiums apportioned to these optional benefits 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 these optional benefits. Different waiting period shall apply for different benefits.
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    Menara AIA, 99, Jalan Ampang,
    50450 Kuala Lumpur
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    1300-88-1899
    For Overseas Customers
    603 2056 1111
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