- Overview
- Benefits
- Terms & Conditions
- Additional Protection
Benefits
Health Rewards with AIA Vitality
With AIA Vitality, you may enjoy additional Health Rewards when A-Plus Health Flex-i is attached, depending on your AIA Vitality Status:
• Hospital Room and Board Benefit upgrade – up to an additional 100% of the benefit amount
• Cover Deductible/Co-Takaful Amount - up to RM500 will be waived per disability
• Annual Health Wallet Booster – up to an additional 10% of the amount in Health Wallet
Health Rewards is subject to your AIA Vitality status.
Frequently Asked Questions
A-Life Idaman is a family takaful plan designed to provide financial protection and support for your loved ones in the event of death or Total Permanent Disability (TPD). It helps you prepare for future financial commitments while offering coverage that can support your family’s long-term financial security.
A-Life Idaman provides financial protection that can help your family manage daily living expenses, outstanding debts, and future financial needs if something unexpected happens to you. Depending on the plan and rider selected, it may also offer flexible protection options to support your long-term protection goals.
Your certificate may remain active as long as your Account Value in the Participant's Account Fund (PAF) is sufficient to cover the relevant charges, including Tabarru'. However, If any contribution is unpaid and the Account Value of PAF is insufficient, your certificate shall lapse after the grace period. You should contact AIA for assistance.
It helps protect your family financially by covering daily expenses, debts such as housing loans, and long-term goals like education, ensuring financial stability if something happens to you.
Self-employed individuals are usually required to provide identification such as an NRIC, along with proof of income.
This may include income tax documents, bank statements, or other financial records. Requirements may vary depending on individual circumstances.
If you need guidance, you can contact us or speak to a life planner.
You can apply online for a quick and convenient process, or speak to an AIA Life Planner for personalised advice based on your needs and coverage goals.
Employer-provided insurance/ takaful coverage is a helpful benefit, but it is usually limited and may only apply while you are employed with the company.
To understand if you need additional coverage, you should consider whether your current insurance is enough to support your family’s financial needs, such as daily expenses, loans, and long-term commitments. If there is a shortfall, a separate life insurance/ takaful coverage plan can help provide more complete and long-term protection.
To learn more about the differences between group and individual insurance plans, refer to this article: https://www.aia.com.my/en/knowledge-hub/protect-well/what-is-group-health-and-individual-health-insurance.html.
Before choosing a family takaful plan, it helps to understand your personal financial situation and responsibilities.
You may want to consider:
- Your current income and monthly expenses
- Any debts or long-term financial commitments
- Whether you have dependents who rely on you
- Existing coverage from employer or other policies
- Your ability to maintain premiums comfortably
These factors help you understand what level of protection may suit your needs. If you're new to life insurance, you can also refer to our First-Timer's Guide to Life Insurance to learn more about the basics before making a decision.
A common guideline is around 10 times your annual income. You should also consider debts, living expenses, and future needs like education when deciding.
To better understand your protection needs and budget, you can use our Know Your Budget tool to explore the level of coverage that may be suitable for you.
The main types of plans include family takaful, medical, critical illness, and accident coverage. Each addresses distinct protection needs, and they can be combined to provide more comprehensive coverage.
Terms & Conditions
- Depending on the expiry age that you select, this plan covers up to age 70 or 80 with automatic extension up to age 100. Accidental Death and TPD coverage is up to age 70.
- For Death and Accidental Death that happens before birth or up to 30 days from birth, only the total Contribution that have been paid excluding any A-Plus Saver-i and Ad Hoc Top Up or the account value of Participant’s Account Fund (PAF), whichever is higher, plus the account value of Participant’s Investment Fund (PIF) shall be payable. No benefit will be payable for TPD that occurs up to 30 days from birth.
- Tabarru' 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 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 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 the Participant's Account Fund (PAF) is sufficient to cover the relevant charges, including 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.
- The Badal Hajj benefit is only applicable for Muslims aged sixteen (16) and above. If the Person Covered is a non-Muslim or is below the age of sixteen (16) at time of death, this benefit will instead be payable as funeral expense benefit.
- 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. 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 Takaful certificate.
- 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.
- 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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