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Critical Illness Protection
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    • A-Plus Early CriticalCare

    Critical Illness Protection

    Coverage Period

    Up to 85 years old

    Entry Age

    14 DAYS - 60 YEARS OLD

    You can buy this 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 is a critical illness protection add-on policy which allows you to claim at the early stage of up to 92 critical illness events, until you are 85 years old.

    Click here for the takaful version of this product
    • Product Brochure Product Brochure
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    WATCH THE PRODUCT BENEFITS EXPLAINED

    What does it provide?

    • Comprehensive Critical Illness Coverage Even at Its Early Stage
      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. 

    • Enjoy Continuous Coverage Between Claims
      Enjoy Continuous Coverage Between Claims

      You can claim up to 120% of the amount you're covered for, with no waiting period between claims.

    • Additional Support for Diabetic-related Illnesses
      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.

    Insurance Lingo Explained

    What does critical illness mean?

    Critical illness refers to life-threatening condition which is defined in your policy contract.

    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
    • The plan covers up to age 85. 
    • The cost of insurance is deducted depending on your attained age and it will increase as your age increases.
    • The cost of insurance for this plan is not guaranteed and AIA reserves the right to revise the cost of insurance by giving you 3 months written notice.
    • 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 the APECC Sum Covered shall be payable, subject to a maximum of RM 25,000 (limited to 1 payment only). The APECC Sum Covered shall be reduced by this advance payment.
    • No benefit shall be payable under Diabetic Related Disease once 100% of the APECC Sum Covered 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 rider, 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 rider, whichever is later.

    Similar Products

    ADD-ON

    A-Plus CriticalCare

    Critical Illness Protection

    Provides financial support should you suffer from critical illness so you can focus on your recovery.
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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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    1300-88-8922
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    1300-88-1899
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    1300-22-7771
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    1-800-88-8733
    www.aia.com.my/roadsideAssist
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