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Life Protection
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  • Vitality

    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.

    • Product Brochure Product Brochure
    • Share Share

    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
      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
      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
      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
      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
      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
      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.

    Health Screenings

    Women's Health Screenings from as low as RM260

    Save up to RM4,000 for Fertility Treatments

    Maternity / Delivery Packages

    Save up to RM1,200 for Maternity / Delivery

    Child Vaccinations

    Enjoy up to 15% off for Child Vaccinations

    Post-Natal Home Visits

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

    TCM Services and Care

    Save over RM600 for Traditional Chinese Medicine services

    Health Screenings

    Women's Health Screenings from as low as RM260

    Save up to RM4,000 for Fertility Treatments

    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

    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.
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    AIA Malaysia
    Menara AIA, 99, Jalan Ampang,
    50450 Kuala Lumpur
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    1300-88-1899
    For Overseas Customers
    603 2056 1111
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    1300-88-8922
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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
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    1-800-88-8733
    www.aia.com.my/roadsideAssist

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