Life Protection
Protect yourself and your loved ones from life's uncertainties with AIA's life insurance and takaful plans.
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{{label}}Life Protection
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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.
Get insurance protection for death and total and permanent disability, as well as invest to grow your savings - all in one plan.
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!
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.
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.
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.
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.
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.
For additional protection, you can select as many of the additional features below, whichever meets your needs.
Medical Protection
This option provides your child with comprehensive medical protection up to age 100.
Find out moreMedical Protection
Providing Personal Medical Case Management (PMCM) benefit with personalised, ongoing support throughout your medical journey.
Find out moreMedical Protection
This option provides daily income when your child are hospitalised, due to illness or injury.
Find out moreCritical Illness Protection
This option provides coverage on 45 critical illnesses to give you the financial support when needed.
Find out moreCritical Illness Protection
This option covers critical illnesses right from the start.
Find out moreCritical Illness Protection
This option provides protection for up to 3 critical illnesses claims.
Find out moreCritical Illness Protection
This option provides coverage on juvenile specific critical illnesses for low and high severity.
Find out moreLife Protection
This option provides coverage on death and total and permanent disability on parent.
Disability Protection
This option provides you with annual financial aid should your child become disabled before reach the age of 70.
Find out morePremium Waiver Protection
These options ensure continuous premium payment to the plan if an unfortunate event occurs.
Find out moreAs 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
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.