- Overview
- Benefits
- Terms & Conditions
Benefits
Vitality Protect Booster
Sign up as an AIA Vitality member and get additional coverage when you stay healthy. With Vitality Protect Booster, your coverage amount can increase up to 120% of the coverage amount for claims related to 45 covered critical illnesses, death or TPD.
Frequently Asked Questions
A-Life Sejahtera is a takaful plan that provides financial protection against critical illness, death, and Total and Permanent Disability (TPD). It helps protect your financial future while offering opportunities to contribute to charitable causes.
A serious illness, disability, or loss of life can create financial challenges for you and your family. A-Life Sejahtera provides a lump sum payout to help cover medical expenses, daily living costs, and other financial commitments during difficult times.
The plan offers 3-in-1 protection for critical illness, death, and TPD. It also includes a Critical Illness Recovery Benefit for selected illnesses, optional riders for enhanced protection, and the option to contribute to charity through surplus donation features.
A-Life Sejahtera covers 45 critical illnesses as specified in the certificate contract. These include major illnesses such as cancer, heart attack, stroke, kidney failure, and other covered conditions.
The CI Recovery Benefit provides an additional payout to support your recovery if you are diagnosed with one of three major critical illnesses: cancer, heart attack, or stroke. This benefit is designed to help ease the financial burden and provide added peace of mind during your recovery journey.
The plan does not cover illnesses, conditions, or events that fall under the exclusions stated in the certificate contract. Coverage is also subject to waiting periods, terms, and conditions. Please refer to the certificate contract for the full list of exclusions.
Yes. In addition to critical illness protection, the plan provides a lump sum payout if the covered person passes away or suffers from Total and Permanent Disability (TPD), subject to the certificate terms and conditions.
You can choose a coverage period of 20 years or coverage up to age 70, depending on the option selected when you apply for the plan.
A-Life Sejahtera enables you to give back to the community through the A-Plus Infaq rider, which provides additional coverage for your chosen charity. You may also choose to donate any surplus to a charity selected by AIA PUBLIC Takaful, with the flexibility to opt out at any time.
A-Life Sejahtera combines critical illness, death, and TPD protection in a single takaful plan. It also includes a CI Recovery Benefit for selected illnesses and unique charity-related features, while other AIA / AIA PUBLIC Takaful critical illness plans may focus on broader illness coverage, earlier-stage protection, or different recovery benefits.
Individuals aged 14 days to 60 years old can apply for A-Life Sejahtera, subject to the underwriting requirements and terms set by AIA PUBLIC Takaful.
A critical illness is a serious medical condition that can have a significant impact on a person's health, lifestyle, and finances. Common critical illnesses include cancer, heart attack, stroke, and kidney failure, among other conditions 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.
Terms & Conditions
- Claim event is upon the Person Covered is diagnosed with any of the 45 covered critical illnesses or undergoes a covered surgery, dies or suffers from Total and Permanent Disability (TPD).
- If the Takaful Certificate is cancelled within 15 days free look period, the full contribution less medical expenses (if any) will be refunded.
- The Tabarru' rate for this plan is not guaranteed and AIA PUBLIC Takaful reserves the right to revise the Tabarru' by giving you 3 months' prior written notice.
- 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.
- In the event of non-payment of your contribution, your certificate will remain in-force as long as your Account Value in the Participant's Account Fund (PAF) is sufficient to cover tabarru' and other relevant charges. If any contribution is unpaid and the Account Value in PAF becomes insufficient to cover tabarru' and other relevant charges, your certificate shall lapse after the grace period.
- The Takaful Operator will pay your portion of the surplus to a charity organisation 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 information above is not exhaustive. You are advised to refer to the Product Illustration and Product Disclosure Sheet for more details of the product before participating in a Takaful certificate and refer to the terms and conditions in the Takaful certificate for details of the features and benefits, exclusions and waiting periods under the Takaful certificate.
- You are entitled to an individual tax relief when you participate in this plan, subjected to terms and conditions of the Inland Revenue Board of Malaysia.
- Please note that contributions paid by business organisations are subject to the applicable tax imposed by the Government of Malaysia at the prevailing rate.
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