- Overview
- Benefits
- Terms & Conditions
- Additional Protection
Benefits
Extra Benefits with Vitality Joy Wallet
As an AIA Vitality member*, you can unlock extra care for your child with Vitality Joy Wallet, including:
- Child Vaccination Benefit
- Dental Care
- Optical Care
- Hearing Care
*Subject to AIA Vitality membership status
Terms & Conditions
- For pre-natal cases:
- Below 14 weeks of gestation - applicable to pregnant woman aged between 18 and 40 years (only applicable to A Life Lady360 or A-Life Lady customers).
- Between 13 and 35 weeks of gestation - applicable to pregnant woman aged between 18 and 45 years.
- If the coverage term chosen is up to age 70 or age 80, your policy comes with an Automatic Extension of Coverage Term where the coverage term of the policy (except for A-Plus WaiverExtra rider, if any) will continue up to age 100 of the Insured for the basic plan and the maximum coverage age of any attaching riders PROVIDED there is sufficient account value to deduct for the policy charges and cost of insurance of any attaching riders. Regular premiums are not required during this extended coverage period and you may increase your account value by paying regular or ad-hoc top-ups. The insurance coverage provided under the basic plan and the attached riders will end when the account value has been fully utilised. You may notify the Company in advance to withdraw from the Automatic Extension of Coverage Term before the maturity of the policy. Please note that if you choose to withdraw from the Automatic Extension of Coverage Term, the basic plan and all the attaching riders including A-Plus Health and any Health Wallet amount (if applicable) shall expire together with the policy. Any application for the Automatic Extension of Coverage Term is not allowed after you have withdrawn from it.
- Coverage for Total and Permanent Disability is up to age 70.
- The AutoGrowth benefit will be based on the initial coverage amount or the subsequently revised coverage amount, whichever is lower. This benefit is capped at RM100,000 per policy.
- The cost of insurance is deducted from your account value depending on your child's attained age and it will increase as your child's age increases.
- The Cost of Insurance for this plan is not guaranteed, you will need to pay additional premium if the Cost of Insurance is revised. The Company reserves the right to revise the Cost of Insurance by giving the policyholders 3 months’ written notice.
- You may switch your funds as you need. The switching fee is currently free and AIA reserves the right to revise the switching fee by giving you 3 months prior written notice.
- Your policy account value is not guaranteed and fluctuates based on the performance of AIA Investment-Linked Fund. The potential risks in investing in the funds are borne solely by you.
- The premiums paid 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 premiums paid by business organisations are subject to the applicable tax imposed by the Government of Malaysia at the prevailing rate.
- The information above is not exhaustive. It is recommended that you request for a copy of the Sales 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 policy contract.
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