- Overview
- Benefits
- Terms & Conditions
- Additional Protection
Benefits
Rewards with AIA Vitality
Enjoy extra benefits as an AIA Vitality Member on Health Screening Benefit and Yearly Cash Bonus and unlock extra benefits (subject to membership status).
Frequently Asked Questions
A‑Life Essential Critical Care is a critical illness insurance plan that provides simple and affordable protection against advanced-stage critical illnesses, helping you stay financially protected during life's critical moments.
A-Life Essential Critical Care provides simple and affordable protection against advanced stage critical illnesses and supports your health & recovery journey.
Here are its key benefits:
- Simple and Affordable Critical Illness Insurance -
With an affordable premium as low as RM0.50 per day, you can receive 100% of your coverage amount if you are diagnosed with any of the 75 advanced stage critical illness covered.
- Live Well By Knowing Your Health -
Provides Health Screening Benefit which encourages you to know yourself better. Join AIA Vitality and stay healthy to unlock up to RM600 in benefits every 2 years.
- Yearly Cash Bonus -
Sign up as an AIA Vitality member and enjoy up to 20% of the total annualised premiums you have paid for this plan, depending on your AIA Vitality status.
- Personal Medical Case Management (PMCM) -
Get continuous guidance and support with your PMCM Service to ensure that you receive the right treatment and make a successful recovery.
- Optional Benefits -
A-Plus Life Cover provides 100% of the coverage amount for death or TPD.
A-Plus Recover pays up to 200% of the coverage amount in the event of prolonged hospitalisations.
Personal Medical Case Management (PMCM) is a value-added service provided by AIA through Teladoc Health that offers end-to-end support throughout your medical and recovery journey.
PMCM helps you:
- Better understand your medical condition
- Review your diagnosis and treatment options
- Access medical opinions and specialist recommendations
- Explore suitable treatment options
- Receive ongoing medical guidance and support
Through PMCM, you gain access to global medical expertise to help you make informed decisions about your care and recovery.
If you are an AIA Vitality member, you can enjoy additional health and lifestyle rewards with A‑Life Essential Critical Care.
Health Screening Benefit
Receive a Health Screening Benefit every 2 years to encourage regular health checks and help you stay on top of your health. The reimbursement amount depends on your AIA Vitality status.
Yearly Cash Bonus
Starting from the end of the first policy year, you can receive a Yearly Cash Bonus of up to 20% of your annualised premiums, depending on your AIA Vitality status.
The higher your AIA Vitality status (such as Gold or Platinum), the more you may receive.
How this benefits you:
- Get rewarded for staying healthy -
Your healthy lifestyle choices can help you unlock greater rewards. - Save on your insurance costs -
Receive a yearly cash bonus that can help reduce your overall cost of coverage. - More value from your protection -
Enjoy critical illness coverage together with health screening benefits and ongoing rewards.
A-Life Essential Critical Care provides coverage for diagnosis of any 75 covered advanced stage Critical Illness conditions, such as:
- Cancer
- Heart attack
- Stroke
- Serious Coronary Artery Disease
- Kidney failure
- Major organ transplant
For the full list of covered illnesses, please refer here.
Like most insurance plans, A-Life Essential Critical Care includes certain exclusions that are not covered under the policy. These may include pre-existing conditions, illnesses diagnosed during the waiting period, or conditions specifically excluded in the policy contract. You are encouraged to read the exclusions section carefully to avoid misunderstandings during the claims process.
Yes, like most critical illness insurance plans, A‑Life Essential Critical Care includes a waiting period.
This means you will need to wait for a specified period after the policy starts before you can make a claim for certain conditions (subject to policy terms).
It’s important to check the waiting period terms carefully to better understand when the coverage becomes eligible.
A‑Life Essential Critical Care is a critical illness insurance plan that covers up to 75 advanced-stage critical illness conditions and pays a lump-sum benefit upon diagnosis of a covered illness and compassionate benefit ( upon death ) is provided.
It’s important to note:
- It is different from medical insurance, which covers hospital bills and treatment costs
- It does not include medical coverage on its own
A critical illness is a serious medical condition that can significantly impact your health, lifestyle, and finances. Common examples include cancer, heart attack, and stroke.
Treatment and recovery may require ongoing medical care, rehabilitation, and time away from work, which can create additional financial challenges.
A medical plan and critical illness insurance serve different purposes and work best together.
A medical plan helps cover hospital and treatment costs, while critical illness insurance provides a cash payout if you're diagnosed with a covered critical illness.
The payout can help cover:
- Loss of income
- Daily living expenses
- Loan repayments
- Recovery and rehabilitation costs
Having both plans can provide more complete financial protection.
A serious illness can affect your ability to work while your financial commitments continue.
Critical illness insurance provides a cash payout upon diagnosis, which can help you:
- Replace lost income
- Manage daily expenses
- Pay ongoing financial commitments
- Cover recovery-related costs
This can help reduce financial stress and give you a peace of mind during recovery.
Terms & Conditions
1. The information above is not exhaustive. It is recommended that you request for a copy of the Product / Sales Illustration, Product Disclosure Sheet and Fund Fact Sheet (if applicable) to know more about this product. For a detailed explanation of its benefits, exclusions, terms and conditions, please refer to the policy contract.
2. AIA Vitality is a program that supports and rewards its members for making healthier choices every day and is offered by AIA Health Services Sdn. Bhd. (199601016211 (388561-T)). Please visit this page for further information.
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