Investment-Linked Funds

A-Life Joy Xtra

Life Protection

Coverage Period

UP TO 70, 80 OR 100 YEARS OLD

Entry Age

Pre-natal:

13 - 35 WEEKS OF GESTATION

Post-natal:

14 DAYS - 15 YEARS OLD

You can buy this via

AIA life planner

WHAT IS THIS PRODUCT ABOUT

Becoming a parent is one of the most joyful moments in your life. Having a child changes you forever, and we would like to provide you with the comfort and security that you and your child need throughout your journey through parenthood.

A-Life Joy Xtra is a flexible investment-linked plan that provides coverage for your child, as well as a savings opportunity, with as little as RM 150 per month. We offer you the flexibility of adjusting the level of your child's protection and savings from time to time, to meet your child's ever-changing needs. Parent can now sign up as an AIA Vitality member and unlock an additional benefit - the Vitality Joy Wallet for your child upon the purchase of A-Life Joy Xtra and A-Plus ParentCare Xtra.

By attaching A-Plus Health to this plan, your child can enjoy comprehensive medical protection. Plus, for every year that you do not make a claim, you get an amount credited to a Health Wallet which can be used to claim for your child's expenses that is not normally covered by insurance such as health check ups, recovery treatments, medical care for congenital conditions and more.

Please note that this is an insurance product that is tied to the performance of the underlying assets, and is not a pure investment product such as unit trust.

WHAT DOES IT PROVIDE?

ALL-IN-ONE PROTECTION AND SAVINGS PLAN FOR YOUR CHILD

Get insurance protection for death and total and permanent disability, as well as invest to grow your savings - all in one plan.
Protect your child even when you are expectIng

You can purchase A-Life Joy Xtra for your child from as early as 13 weeks of pregnancy. If you are an A-Life Lady360 or A-Life Lady customer, you can secure coverage for your child even if you are less than 14 weeks pregnant without any medical underwriting - first in Malaysia!
Enhance your child’s early years coverage

With A-Plus BabyCare Xtra, it provides protection for you and your child against the unexpected hospitalisation in the first 30 days, Congenital Conditions, Child Development Disorders and Pregnancy related complications. Moreover, with A-Plus Junior CriticalCare, it provides you with the financial support if your child is diagnosed with a juvenile specific critical illness that is in its early stages.
Enjoy twice the coverage WITH THE AUTOGROWTH FEATURE

As your child grows up, his or her coverage needs will also increase. With the AutoGrowth feature, your child’s coverage amount will automatically be doubled when he or she turns 18, without having to go through any medical underwriting.
EDUCATION SAVINGS VIA A-PLUS SCHOLARSAVER

You can build an education savings fund for your child via A-Plus ScholarSaver and qualify for personal tax relief up to RM3,000 per annum for medical and educational insurance, subject to the final decision of the Inland Revenue Board of Malaysia.
THE BEST PROTECTION START FROM YOU AS PARENT

A-Plus ParentCare Xtra covers you as a parent and it provides you with a much needed financial support by paying a lump sum benefit in the untimely event of death and total and permanent disability of a parent before your child attains the age of 25. Your child is also able to enjoy further rewards with Vitality Joy Wallet when you join AIA Vitality and stay healthy for your child.

Insurance Lingo Explained

What does investment-linked mean?

It means the value of your policy will depend on the performance of the investment funds you choose.

What does total & permanent disability mean?

It means that because of a sickness or injury, a person is unable to ever work again.

What does autogrowth mean?

This means we will increase 100% of the amount your child is covered for, capped at RM 100,000, when your child turns 18, without any medical underwriting.

Do you want additional protection?

For additional protection, you can select as many of the additional features below, whichever meets your needs.

MEDICAL PROTECTION

A-Plus Health

Medical Protection

This option provides your child with comprehensive medical protection up to age 100.
Find out more
A-Plus MedCare

Medical Protection

Providing Personal Medical Case Management (PMCM) benefit with personalised, ongoing support throughout your medical journey.
Find out more

A-Plus HospitalIncome Extra

Medical Protection

This option provides daily income when your child are hospitalised, due to illness or injury.
Find out more
A-Plus BabyCare Xtra

Medical Protection

This option provides pregancy care and child care benefits
Find out more

+ View more options

- View less options

CRITICAL ILLNESS PROTECTION

A-Plus CriticalCare

Critical Illness Protection

This option provides coverage on 45 critical illnesses to give you the financial support when needed.
Find out more
A-Plus Early CriticalCare

Critical Illness Protection

This option covers critical illnesses right from the start.
Find out more

A-Plus Multi CriticalCare

Critical Illness Protection

This option provides protection for up to 3 critical illnesses claims.
Find out more
A-Plus Junior CriticalCare

Critical Illness Protection

This option provides coverage on juvenile specific critical illnesses for low and high severity.
Find out more

+ View more options

- View less options

LIFE PROTECTION

A-Plus ParentCare Xtra

Life Protection

This option provides coverage on death and total and permanent disability on parent.

DISABILIY PROTECTION

A-Plus DisabilityCash

Disability Protection

This option provides you with annual financial aid should your child become disabled before reach the age of 70.
Find out more

PREMIUM WAIVER PROTECTION

A-Plus WaiverExtra &
A-Plus PayorExtra

Premium Waiver Protection

These options ensure continuous premium payment to the plan if an unfortunate event occurs.
Find out more

ENJOY Special PRIVILEGES AND OFFERS WHEN YOU SIGN UP FOR A PLAN WITH US!

As an AIA customer, you get to enjoy privileges and preferential rates on a range of services offered by our healthcare partners.

Women's Health Screenings from as low as RM260

Save up to RM4,000 for Fertility Treatments

Save up to RM1,200 for Maternity / Delivery

Enjoy up to 15% off for Child Vaccinations

Enjoy up to 35% off for Post-Natal Home Services

Save over RM600 for Traditional Chinese Medicine services

Women's Health Screenings from as low as RM260

Save up to RM4,000 for Fertility Treatments

VIEW ALL PRIVILEGES AND OFFERS

Like what you've read? This is just a summary of our product. Please refer to the terms and conditions below. If you want more information, you can view our brochure or contact an AIA Life Planner.

THE TERMS & CONDITIONS AT A GLANCE

- COLLAPSE + EXPAND

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, except for AIA Asian Debt Fund, AIA Asian Equity Fund and AIA International High Dividend Fund. 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.

Our Products

Investment-Linked Funds

Life Protection

Medical Protection

Critical Illness Protection

Savings & Investment

Accident Protection

Property Solutions

Motor Insurance

Online Products

AIA Vitality

Employee Benefits

Commercial Insurance

AIA Vitality

How It Works

REWARDS & BENEFITS

Member’s Testimonial

Join AIA Vitality

What Matters

Health & Wellness

Finance & Insurance

Video Gallery

Mental Wellbeing

Health Statistics

About AIA

About AIA Bhd.

About AIA Public Takaful Bhd

About AIA General Berhad

About AIA Pension & Asset Management

Career Opportunities

Community & Partnerships

Media Centre

Events & Promotions

Customer Charter

Help & Support

Contact Us

Locate Us

Claims Process And Guides

Premium Payment

FAQ

Important Announcements

Form Library

How to Guides

My AIA

CUSTOMER PORTAL

CORPORATE PORTAL

EN

BM

Contact Us

AIA BHD.

AIA PUBLIC TAKAFUL BHD.

AIA General Berhad

AIA Roadside Assist

A-Life Joy Xtra

UP TO 70, 80 OR 100 YEARS OLD

Pre-natal:

13 - 35 WEEKS OF GESTATION

Post-natal:

14 DAYS - 15 YEARS OLD

AIA life planner

WHAT IS THIS PRODUCT ABOUT

WHAT DOES IT PROVIDE?

ALL-IN-ONE PROTECTION AND SAVINGS PLAN FOR YOUR CHILD

Protect your child even when you are expectIng

Enhance your child’s early years coverage

Enjoy twice the coverage WITH THE AUTOGROWTH FEATURE

EDUCATION SAVINGS VIA A-PLUS SCHOLARSAVER

THE BEST PROTECTION START FROM YOU AS PARENT

Insurance Lingo Explained

Do you want additional protection?

MEDICAL PROTECTION

A-Plus Health

A-Plus MedCare

A-Plus HospitalIncome Extra

A-Plus BabyCare Xtra

+ View more options

- View less options

CRITICAL ILLNESS PROTECTION

A-Plus CriticalCare

A-Plus Early CriticalCare

A-Plus WaiverExtra &
A-Plus PayorExtra