Life Protection
Protect your loved ones’ future from life’s uncertainties.
A-Life Medik Famili
Medical Protection
Coverage Period
UP TO 100 YEARS OLD
Entry Age
14 DAYS - 70 YEARS OLD
You can participate in this plan via
AIA life planner
WHAT IS THIS PRODUCT ABOUT
Would you compromise on medical treatment for yourself or your loved ones?
With medical costs on the rise, your family needs a comprehensive plan that will provide adequate medical protection.
A-Life Medik Famili is an affordable medical plan with no lifetime limit that takes care of you and your family's medical needs.
WHAT DOES IT PROVIDE?
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FAMILY PLAN
You can choose to extend coverage to your spouse and children with the Family Plan.
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LIFELONG MEDICAL PROTECTION
Enjoy medical protection until you are 100 years old.
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No Lifetime Limit
While there is a limit on how much you can claim each year, there is no limit on how much you can claim in a lifetime.
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SURPLUS
If there is any excess from the Takaful risk fund at the end of every year, AIA PUBLIC will share it with the eligible Participants at 50:50 ratio.
Takaful Lingo Explained
What does "lifetime limit" mean?
This is the maximum claimable amount throughout your life time, which you may normally find in a medical plan.
Like what you've read? This is just a summary of our product. If you want more information, you can view our brochure or contact an AIA Life Planner.
THE TERMS & CONDITIONS AT A GLANCE
- This plan covers up to age 100.
- A maximum of 4 children is allowed for each family plan's coverage.
- If you are hospitalised for the first 3 months of your certificate, you are required to pay first and submit the claim to AIA PUBLIC for reimbursement later.
- AIA PUBLIC shall only pay the eligible medical expenses which are reasonable, customary and also medically necessary.
- You are covered worldwide but subject to maximum of 90 days protection if you are traveling outside Malaysia, Singapore and Brunei.
- The contribution payable will increase depending on your attained age at the next birthday when the contribution is due.
- The contributions for this plan are not guaranteed and AIA PUBLIC reserves the right to revise the contribution by giving you 30 days prior written notice.
- The contributions paid for this plan may qualify you for a personal tax relief , subject to the final decision of the Inland Revenue Board of Malaysia.
- You will have to serve a waiting period before you can make any claims under this plans except for a covered injury. Different waiting period shall apply for different benefits.
- Please note that contributions paid by business organisations are subject to the applicable tax imposed by the Government of Malaysia at the prevailing rate.
- You may refer to the Takaful certificate for full terms and conditions.