- Overview
- Benefits
- Terms & Conditions
- Additional Protection
Benefits
AIA Vitality Benefit: Vitality Booster
Be rewarded with up to 20% additional coverage amount based on your AIA Vitality status.
Frequently Asked Questions
A-Life Kritikal Protector is a takaful critical illness plan that provides a lump sum payout if you are diagnosed with a covered critical illness. It helps cover treatment costs, daily expenses, and other financial commitments while you focus on recovery.
A critical illness can lead to high medical costs and loss of income. This plan provides financial support upon diagnosis, helping you manage expenses and maintain financial stability during recovery.
The plan provides a 100% lump sum payout upon diagnosis of any one of the 45 covered critical illness. It also includes a Caregiver Benefit, Compassionate Benefit, Maturity Benefit, and additional coverage through AIA Vitality Booster for eligible members.
Additionally, you may choose to enhance your coverage with optional riders that extend protection to up to 75 critical illnesses and provide coverage for prolonged hospitalisation.
The basic plan covers 45 critical illnesses, including major conditions such as cancer, heart attack, stroke, and kidney failure, subject to the certificate terms and conditions. The coverage can be extended to 75 critical illness with A-Plus CI Booster-i.
You will receive 100% of the selected coverage amount, together with the account value, upon diagnosis of a covered critical illness, subject to the certificate terms and conditions.
You can choose a coverage period of 20 years or up to age 60 or age 70 when you select the coverage term for this plan.
AIA Vitality Booster rewards eligible AIA Vitality members with additional coverage of up to 20% of the coverage amount. The benefit depends on your AIA Vitality status at the time of claim.
A-Life Kritikal Protector provides straightforward protection against 45 critical illnesses and includes benefits such as the Caregiver Benefit, Compassionate Benefit, Maturity Benefit, and AIA Vitality Booster. Other AIA / AIA PUBLIC Takaful critical illness plans may offer broader coverage, including protection for earlier stages of critical illnesses.
Pre-existing medical conditions are generally not covered unless they have been disclosed during application and accepted by AIA according to the certificate terms and underwriting requirements.
A critical illness is a serious medical condition that can have a significant impact on a person's health, lifestyle, and finances. Examples may include cancer, heart attack, stroke, kidney failure, and other major illnesses covered under the policy or certificate.
Medical protection covers hospital bills, but other life expenses do not pause during recovery. You still need to manage expenses like mortgage payments, daily expenses, and your child’s tuition fees. At AIA, we believe true protection goes beyond funding medical costs. Critical illness protection provides additional financial support, so you and your family can continue living life without added financial stress.
Critical illness protection provides financial support when a serious illness affects your ability to work or manage unexpected expenses, helping you focus on recovery without placing additional strain on your savings.
Terms & Conditions
- Depending on the expiry age you selected, this plan covers up to age 60 or 70.
- The contribution and Tabarru' for this plan is not guaranteed and AIA PUBLIC Takaful reserves the right to revise the contribution and Tabarru' by giving you 3 months' prior written notice.
- Claim event is upon the Person Covered is diagnosed with any of the covered critical illnesses or undergoes a covered surgery (45 or 75 critical illness, if A-Plus CI Booster-i is attached) or diagnosed with any of the covered mental illness under A-Plus CI Booster-i, if attached.
- The contribution is payable according to your contribution term selected. Contribution payment can be made annually, half-yearly, quarterly or monthly.
- This Takaful plan will not provide benefit from Participants' Risk Fund (PRF) upon termination or expiry of the Takaful Certificate.
- You will have to serve a waiting period before you can make any critical illness claims under this plan. Different waiting period shall apply for different benefits.
- You should ensure that important information regarding this plan is disclosed to you and you understand the information disclosed. If there is ambiguity, you should seek clarification from the Takaful Operator.
- Please refer to the Product Illustration for guaranteed benefits under this plan.
- In the event of non-payment of your contribution, your certificate will remain in-force as long as your Account Value in Participant's Account Fund (PAF) is sufficient to cover the relevant charges, including the Tabarru'. If any contribution is unpaid and the Account Value of PAF becomes insufficient to cover the relevant certificate charges, your certificate shall lapse after the grace period.
- If you cancel your certificate within the free-look period of 15 days, we will refund to you the full contribution.
- You should ensure that important information regarding this plan is disclosed to you and you understand the information disclosed. If there is ambiguity, you should seek clarification from the Takaful Operator.
- Please note that contributions paid by business organisations are subject to the applicable tax imposed by the Government of Malaysia at the prevailing rate.
- The Takaful Operator will pay your portion of the surplus to charitable activities chosen by the Takaful Operator if you opt to have any surplus attributable to be donated to charity. You can opt out from the surplus donation at any time by notifying the Takaful Operator. Please take note that you will not be provided any receipts for your donations.
- The contribution made for this plan may qualify you for a personal tax relief, subject to the final decision of the Inland Revenue Board of Malaysia.
- The information above is not exhaustive. It is recommended that you request for a copy of the Product Illustration and Product Disclosure Sheet to know more about this product. For a detailed explanation of its benefits, exclusions, terms and conditions, please refer to the certificate contract.
Share
