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Employee Benefits
Takaful VitalityA‑Plus Early CriticalCare-i
Critical Illness Protection
Coverage Period
up to 85 years old
Entry Age
14 DAYS - 60 YEARS OLD
You can participate in this plan via
AIA life planner
WHAT IS THIS PRODUCT ABOUT
Medical advancement has made early detection of life-threatening illnesses possible, greatly improving your chances of recovery.
A-Plus Early CriticalCare-i is a critical illness protection add-on plan which allows you to claim at the early stage of up to 92 critical illness events, until you are 85 years old.
WATCH THE PRODUCT BENEFITS EXPLAINED
WHAT DOES IT PROVIDE?
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Comprehensive Critical Illness Coverage Even at Its Early Stage
If you are diagnosed with a critical illness, you will receive a lump sum payment. The amount we pay you will depend on the severity of your illness, helping you fund the treatment you need.
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Enjoy Continuous Coverage Between Claims
You can claim up to 120% of the amount you're covered for, with no waiting period between claims.
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Additional Support for Diabetic-related Illnesses
You will receive an additional 20% of the amount you're covered for as a one-time payout if you're diagnosed with a diabetic-related disease covered under this plan.
Takaful Lingo Explained
What does critical illness mean?
Critical illness refers to life-threatening condition which is defined in your Takaful certificate.
What does lump sum mean?
This is a single, large claim payment.
What does waiting period mean?
This is the time period where the Takaful Operator will not pay for certain claims.
Like what you’ve read? This is purely a product summary. If you want more information about this product, please request a copy of the Product Disclosure Sheet and Product Illustration from an AIA Life Planner.
THE TERMS & CONDITIONS AT A GLANCE
- The plan covers up to age 85.
- The Tabarru' is deducted depending on your attained age and it will increase as your age increases.
- The Tabarru' for this plan is not guaranteed and AIA PUBLIC reserves the right to revise the Tabarru' by giving you 3 months written notice.
- Goods and Services Tax will be chargeable at the prevailing rate on the Tabarru' for the plan, if it is attached to your certificate.
- 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.
WAITING PERIOD
- The above benefits shall be payable once the person covered's survive for at least 30 days after the diagnosis of a critical illness event.
- In the event of Angioplasty and Other Invasive Treatments for Major Coronary Artery Disease, 10% of A-Plus Early CriticalCare-i sum covered shall be payable, subject to a maximum of RM 25,000 (limited to 1 payment only). A-Plus Early CriticalCare-i sum covered shall be reduced by this advance payment.
- No benefit shall be payable under Diabetic Related Disease once 100% of A-Plus Early CriticalCare-i is paid.
- Waiting period for critical illness under high severity is 60 days from the Issue Date or Commencement Date of the rider, whichever is later, for Cancer, Heart Attack, Coronary Artery By-Pass Surgery and Other Serious Coronary Artery Disease and Angioplasty and Other Invasive Treatments for Major Coronary Artery Disease, and 30 days from the issue date or commencement date of the add-on plan, whichever is later, for other Critical Illness events.
- Waiting period for critical illness under low severity, medium severity and diabetic related disease is 60 days from the issue date or commencement date of the add-on plan, whichever is later.
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