- Overview
- Benefits
- Terms & Conditions
- Additional Protection
Benefits
Maximise Your Benefits with Vitality Booster
Stay active with AIA Vitality to unlock higher Vitality Booster value, giving you greater coverage and maturity benefits.
Terms & Conditions
- Total and Permanent Disability coverage is up to age 70 only and accidental death benefits are only applicable from age 18 until before age 70.
- The Tabarru’ rate, fees and charges for this plan is not guaranteed and AIA PUBLIC Takaful Bhd. (“the Company”) may revise the fee and charges by giving you 3 months’ notice in advance. You may need to pay additional contribution if the Tabarru’, fees and charges are revised to sustain your certificate.
- The coverage for death during Hajj/Umrah is applicable for Muslim only and the coverage starts when the Person Covered enters the international border when travelling to Saudi Arabia and ends when the Person Covered exits the international border after departing from Saudi Arabia.
- Claim event is upon termination of certificate due to claims (i.e. upon death or upon 100% payment of the TPD benefit, whichever occurs earlier).
- Your certificate comes with an Automatic Extension of Coverage Term where the coverage term of the certificate and any optional benefits (except for A-Plus Waiver-i and A-Plus ParentWaiver-i, if any) will continue after the maturity date PROVIDED there is sufficient Account Value to deduct for the certificate charges and the Tabarru’ of any attaching riders, up to age 100 of the Person Covered for the basic plan and the maximum coverage age of any attaching riders. The certificate shall lapse when the Account Value have been fully utilised. You may notify the Company in advance to withdraw the Automatic Extension of Coverage Term before reaching the maturity date. Please note that if you choose to withdraw the Automatic Extension of Coverage Term, the basic plan and all attaching riders (if applicable) shall expire at maturity date.
- In the event of non-payment of your contribution, your certificate will remain in-force as long as your Account Value is sufficient to cover the relevant certificate charges, including the Tabarru'. If any contribution is unpaid and the Account Value becomes insufficient to cover the relevant certificate charges, your certificate shall lapse after the grace period of 31 days.
- This is an Investment-linked Takaful Plan that is tied to the performance of the underlying assets and is not a pure investment product such as unit trusts.
- You should determine that this plan will best serve your needs and that the contribution payable under the certificate is an amount you can afford.
- If you cancel your certificate within the free-look period of 15 days, we will refund to you the total Account Value together with the total Wakalah Fee, Tabarru’ and monthly service charge from the Issue Date less any expenses which may have been incurred for any medical examination (if any).
- Participating in an Investment-linked Takaful Plan is a long-term commitment. It is not advisable to hold this plan for a short period of time in view of the high initial costs.
- You are entitled to an individual tax relief when you participate in this plan, subjected to the terms and conditions of the Inland Revenue Board of Malaysia (LHDN).
- Please note that contributions 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 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 certificate contract.
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