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  • A-Essential Home

    Home Insurance

    Coverage Period

    1 Year - Renewable Annually

    Type of Property

    Terrace Houses, Semi-D, Apartments, Condominiums, Town Houses and Bungalows

    You can buy this via

    AIA life planner


    WHAT IS THIS PRODUCT ABOUT

    Home is where the heart is and so it's important to protect your nest and your treasured belongings against any unexpected events that can set you back significantly, financially.

    A-Essential Home is a protection plan that covers your home and its contents against loss or damage.

    • Product Brochure Product Brochure
    • Product Disclosure Sheet Product Disclosure Sheet
    • Share Share

    WATCH THE PRODUCT BENEFITS EXPLAINED

    WHAT DOES IT PROVIDE?

    • PROTECTION AGAINST LOSS OR DAMAGE TO THE PROPERTY
      PROTECTION AGAINST LOSS OR DAMAGE TO THE PROPERTY

      You will receive the amount you are covered for if you suffer loss or damage because of a fire, lightning, explosion, theft involving forced entry into/exit from the building, malicious damage, burst pipes, floods and impact damage. You will also receive up to 10% of your coverage amount if you suffer loss of rental after the incident. What's more, we will reimburse you for the cost to clear away debris.

    • PROTECTING YOUR TREASURED BELONGINGS
      PROTECTING YOUR TREASURED BELONGINGS

      You can choose to cover for loss or damage to your home contents as a result of the above mentioned insured perils. This comes with automatic protection on newly purchased items provided that you have notify the company within 30 days.

    • CASH ASSISTANCE
      CASH ASSISTANCE

      To ease your financial burden, you will receive financial assistance to cover any out-of-pocket expenses you incurred to cope during the challenging time when your home is unfit to live in. 

    • WORLWIDE COVER FOR PERSONAL ITEMS
      WORLWIDE COVER FOR PERSONAL ITEMS

      You can opt to insure your valuable belongings such as jewellery, gold, watches, camera and handbags, against loss or damage even while you're travelling.

    • LIABILITY PROTECTION FOR YOU AND YOUR FAMILY
      LIABILITY PROTECTION FOR YOU AND YOUR FAMILY

      For additional protection, you can choose to cover you and your spouse against any legal liability for bodily injury or property damage experienced by others owing to your negligence. 

    • Sum Insured - Building Cost Calculator
      Sum Insured - Building Cost Calculator

    BUILDING COST CALCULATOR (BCC)

    If you wish to get the estimated rebuilding cost of your property to estimate the sum insured, you may use the Building Cost Calculator (BCC) on PIAM's website at the following link. http://www.piam.org.my/consumer/industry/building-cost-calculator-bcc/ and complete the questionaires provided. Please inform the Company if you wish to revise the sum insured. Any revision to the sum insured is subject to the Company's approval.

    Frequently Asked Questions

    1. Why is the Building Cost Calculator (BCC) introduced?

    The BCC is introduced to address under-insurance of building Fire and House Owner policies so that policyholders would not be inadequately compensated due to changes on their property value.

    2. What is the function of the Building Cost Calculator (BCC)?

    The BCC is a tool which provides estimated rebuilding cost based on the information provided by the home owners to estimate the sum insured.

    3. What type of property the BCC can be applied?

    The BCC can be applied to property such as residential properties and simple shop houses/offices. However, the BCC is not meant for use by individual unit owner of a non-landed property. For properties such as flat, apartment, service apartment, condominium, the BCC is available for use by Joint Management Body of the Property only.

    4. How do I access the BCC?

    You can click on the following link and complete the questionaires provided: http://www.piam.org.my/consumer/industry/building-cost-calculator-bcc/ If you are a AIA Life Planner, you may access the link in ALPP.

    5. What do I do if I want to revise the sum insured after using the BCC?

    You may contact your AIA Life Planner or simply write in to the Company to revise the sum insured. However, please take note that the BCC only provides estimated figures and it does not guarantee the actual amount that your property would be insured for.

     


    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.


    CONNECT ME WITH AN AIA LIFE PLANNER

    FULL NAME
    Mobile Number
    Home/Work Phone Number
    Email Address
    AIA Customer?
    ID Number

    *Only applicable to AIA customers

    Preferred Location To Meet
    Preferred Day and Time

    To receive the information regarding promotions and offers from AIA Bhd., AIA General Berhad, AIA PUBLIC Takaful Bhd., AIA Pension and Asset Management Sdn. Bhd. and AIA Health Services Sdn. Bhd. (“AIA Malaysia”), please tick below:

    my.contact@aia.com.


    Thank You
    Success Submit

    Submitted Successfully

    We will be in touch!


    THE TERMS & CONDITIONS AT A GLANCE

    THE TERMS & CONDITIONS AT A GLANCE
    - COLLAPSE + EXPAND
    • Duty of Disclosure - You must give all the facts in your application form and during renewal, fully and faithfully.  You must ensure that your property is insured at the appropriate amount and you should also disclose fully all material facts e.g. any previous claims, occupations etc.
    • Insured Value/Sum Insured - Ensure your property is adequately insured at all times, and take into account the renovations and enhancements made to your property.
    • Average Condition - If the amount insured in your insurance policy is less than the rebuilding cost (i.e. under-insurance), you are deemed to be self-insuring the difference. The average condition will apply in the event of a claim.
    • Responsibility for Purchase of Insurance - If you are buying a property from a developer and the property is under the construction stage, the insurance of the property is the responsibility of the developer.  You only need to insure the property upon receipt of vacant possession from the developer.

    If there's a loss or damage, please

    • Notify us immediately
    • Notify the fire brigade for loss or damage by fire
    • Make a police report for loss or damage by theft and attempted theft
    • Submit all supporting documents to us
    • Cooperate with the loss adjuster appointed by us to assess your claim

     

    For liability claims:-

    • Do not discuss compensation or admit any liabilities and negotiate settlements with the third part his/her solicitor.
    • Submit all correspondences received from third party and/or his representatives unanswered to us.

    ELIGIBILITY

    What's required for your application to be approved

    • This plan is available to Terrace/Semi-Detached Houses, Apartments, Condominiums, Town Houses and Bungalows.

    EXCLUSIONS

    Things that you won't be able to claim from this policy

    • General Exclusions:
    • war, invasion, mutiny, military or popular rising, insurrection, rebellion, revolution, mulitary ir usurped power, martial law or state of seige;
    • act of terrorism;
    • confiscation, commandeering, requisition or destruction by the Government or any public municipal or local authority;
    • nuclear weapons material, ionizing radiations or contamination by radioactivity;
    • its own fermentation, natural heating or spontaneous combustion;
    • consequential loss of any kind;
    • hurricane, cyclone, typhon or windstorm to any buildings in course of construction, reconstruction or repair;
    • subsidence or landslide.
    • Liability arising out of:
    • the Insured's profession or business;
    • ownership, possession or usage of any lift, vehicle, vessel or craft;
    • the carrrying out of alterations, additions, repairs or decorations to the premises;
    • contractual liability.
    • All Risks:
    • wear and tear, depreciation, gradual deterioration, vermin or from any process of cleaning or restoring any articles;
    • war, act of terrorism, civil commision and radioactivity;
    • confiscation or detention by customs of other official authorities;
    • mechanical & electrical derangement, scratching, breakage of lenses or glass.
    • Personal Liability Benefit:
    • liability assumed under contract and/or agreement;
    • claims against you by your family members, claims made by your employees for accidents arising in the course of employment;
    • liability in respect of damage to property held under your care, control or custody;
    • liability arising from the use of vehicles (other than hand-propelled vehicles or pedals cycles not being used for racing) boats (sailing or mechanically-propelled) aircraft or model aircraft owned by or in the custody or control of the Insured or his servant

    Note: This list is non-exhaustive. Please refer to the policy contract for the full list of exclusions. 

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    AIA Malaysia
    Menara AIA, 99, Jalan Ampang,
    50450 Kuala Lumpur
    AIA Bhd.
    1300-88-1899
    For Overseas Customers
    603 2056 1111
    AIA PUBLIC Takaful Bhd.
    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
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    Help & Support
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    AIA Malaysia
    Menara AIA, 99, Jalan Ampang,
    50450 Kuala Lumpur
    AIA Bhd.
    1300-88-1899
    For Overseas Customers
    603 2056 1111
    AIA PUBLIC Takaful Bhd.
    1300-88-8922
    AIA General Berhad
    1300-88-1899
    AIA Pension and Asset Management Sdn. Bhd.
    1300-22-7771
    AIA Roadside Assist
    1-800-88-8733
    www.aia.com.my/roadsideAssist

    Copyright © 2023 AIA Group Limited and its subsidiaries. AIA Bhd. 200701032867 (790895-D) AIA PUBLIC Takaful Bhd. 201101007816 (935955-M) AIA General Berhad 201001040438 (924363-W) AIA Pension and Asset Management Sdn. Bhd. 201201027147 (1011637-P) AIA Health Services Sdn. Bhd. 199601016211 (388561-T). All rights reserved.
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