- Overview
- Benefits
- Terms & Conditions
Benefits
Rewards with AIA Vitality
Sign up for AIA Vitality to enjoy Vitality Yearly Cash Bonus of up to 20% of the rider’s annualised premium when you attach A-Plus Critical Early to your A-Life Cover policy — plus unlock additional benefits based on your membership status.
Frequently Asked Questions
A‑Plus Critical Early is a critical illness insurance plan that provides financial support if you are diagnosed with a covered early to intermediate-stage critical illness.
When attached to A‑Plus Critical Assure, it allows you to receive an early payout from your coverage when a covered condition is diagnosed at an early or intermediate stage.
This means you can receive financial support sooner, helping you seek early medical intervention, access the care you need, and focus on a timely recovery.
A‑Plus Critical Early provides a one-time lump sum payout when you are diagnosed with a covered early to intermediate-stage critical illness, helping you access treatment and recovery support sooner.
Key benefits:
- Coverage for early to intermediate-stage critical illness -
Receive financial support when a covered condition is diagnosed at an early or intermediate stage.
- One-time lump sum payout -
Get immediate financial support upon diagnosis.
- Flexible use of payout -
Use the payout however you need, whether for medical treatment, replacing lost income, covering daily expenses, or supporting your family's financial needs.
If you are an AIA Vitality member, you can enjoy additional rewards and savings when A‑Plus Critical Early is attached to A‑Life Cover.
One key benefit is the opportunity to receive up to 20% of your annualised premiums back every year, depending on your AIA Vitality status.
The higher your AIA Vitality status (e.g. Gold or Platinum), the more you may receive.
Benefits for AIA Vitality members:
- Get rewarded for staying healthy -
Healthy lifestyle choices can help you enjoy higher rewards.
- Save on your premiums -
Receiving up to 20% back helps reduce your overall insurance costs.
- More value from your coverage -
Enjoy critical illness protection together with ongoing rewards.
A-Plus Critical Early covers 65 early and 40 intermediate stage critical illnesses, including
- Carcinoma in situ
- Brain Aneurysm Surgery
- Cardiac Pacemaker Insertion
- Early Coronary Artery Disease
For the full list of covered illnesses, please refer to the list here.
Like most insurance plans, A-Plus Critical Early 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‑Plus Critical Early 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‑Plus Critical Early is a critical illness insurance plan that covers critical illness only.
It pays a lump sum payout when you are diagnosed with a covered early or intermediate-stage critical illness.
It's important to note:
- It is different from medical insurance, which covers hospital bills and treatment costs
- It does not include death benefits or medical coverage on its own
To have more complete protection, many people choose to combine:
- A critical illness plan, like A‑Plus Critical Early (for financial protection against early to intermediate-stage critical illness) with A‑Plus Critical Assure (for financial protection against advanced-stage critical illnesses)
- A medical plan (to cover hospital and treatment costs)
- A life insurance plan (to provide death benefits)
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
- 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.
- 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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