Critical Illness Protection

AIA Critical Illness Cover

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AIA Critical Illness Cover

Covers you for 39 critical illnesses at an affordable price. This plan is suitable if you’re looking for basic critical illness coverage plan.

Coverage Period

Yearly renewable up to 70 years old

Eligible Age

16 - 55 years old

Product disclosure sheet

Policy contract

Benefits

Critical illness protection

Receive a lump sum payment of 100% of your coverage amount if you are diagnosed with one of the 39 covered critical illnesses.

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Critical illness protection

Receive a lump sum payment of 100% of your coverage amount if you are diagnosed with one of the 39 covered critical illnesses.

Angioplasty and other invasive treatments

10% of the coverage amount shall be payable, subject to a maximum of RM25,000 (limited to 1 payment only).

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Angioplasty and other invasive treatments

10% of the coverage amount shall be payable, subject to a maximum of RM25,000 (limited to 1 payment only).

Flexibility in coverage amount

Choose your coverage, from a minimum of RM50,000 to a maximum of RM250,000.

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Flexibility in coverage amount

Choose your coverage, from a minimum of RM50,000 to a maximum of RM250,000.

Frequently Asked Questions

AIA Critical Illness Cover is a yearly renewable critical illness insurance plan which provides coverage for 39 critical illnesses up to age 70.

This plan is commission-free and no intermediaries are involved in the sales or marketing of AIA Critical Illness Cover.

This plan is available to individuals aged 16 to 55, subject to underwriting.

The amount of coverage you need depends on your affordability, current financial obligations and the future financial needs of you and your family. You can calculate your estimated protection needs by clicking on the “Know Your Budget” button here.

Benefit	Coverage Amount*
Critical Illness	RM 50,000 RM 100,000 RM 150,000 RM 200,000 RM 250,000

* Subject to a maximum of RM250,000 per life, per insurance plan.

The 39 covered critical illnesses under this plan are:

1. Stroke – resulting in permanent neurological deficit with persisting clinical symptoms
2. Cancer– of specified severity and does not cover very early cancers
3. Heart Attack – of specified severity
4. Coronary Artery By-Pass Surgery
5. Serious Coronary Artery Disease
6. Angioplasty and Other Invasive Treatments for Coronary Artery Disease
7. Heart Valve Surgery
8. Fulminant Viral Hepatitis
9. End-Stage Liver Failure
10. Primary Pulmonary Arterial Hypertension – of specified severity
11. End-Stage Lung Disease
12. Kidney Failure – requiring dialysis or kidney transplant
13. Surgery to Aorta
14. Chronic Aplastic Anaemia – resulting in permanent Bone Marrow Failure
15. Major Organ / Bone Marrow Transplant
16. Blindness – Permanent and Irreversible
17. Deafness – Permanent and Irreversible
18. Loss of Speech
19. Coma – resulting in permanent neurological deficit with persisting clinical symptoms
20. Third Degree Burns – of specified severity
21. Multiple Sclerosis
22. Paralysis of Limbs

23. Muscular Dystrophy
24. Alzheimer's Disease / Severe Dementia
25. Motor Neuron Disease – permanent neurological deficit with persisting clinical symptoms
26. Parkinson's Disease – resulting in permanent inability to perform Activities of Daily Living
27. Terminal Illness
28. Encephalitis – resulting in permanent inability to perform Activities of Daily Living
29. Benign Brain Tumour – of specified severity
30. Major Head Trauma – resulting in permanent inability to perform Activities of Daily Living
31. Bacterial Meningitis – resulting in permanent inability to perform Activities of Daily Living
32. Brain Surgery
33. Medullary Cystic Disease
34. Loss of Independent Existence
35. HIV Infection Due To Blood Transfusion
36. Cardiomyopathy – of specified severity
37. Full-blown AIDS
38. Occupationally Acquired Human Immunodeficiency Virus (HIV) Infection
39. Systemic Lupus Erythematosus with Severe Kidney Complications

*In the event of Angioplasty and Other Invasive Treatments for Coronary Artery Disease, 10% of the coverage amount shall be payable, subject to a maximum of RM 25,000 (limited to 1 payment only). The coverage amount shall be reduced by this advance payment.

Please refer to the Policy Contract for the exact definitions of the covered critical illnesses listed above.

Note: For more information about claims or nomination, please refer to the Claims FAQ.

Read the FAQ to learn more about AIA Critical Illness Cover

Terms & Conditions

Benefits are payable if you survive at least 15 days from the date of diagnosis of any of the 39 critical illnesses or a covered surgery.

The premium payable will increase depending on your attained age when the premium is due.

The premiums for this plan is not guaranteed and AIA reserves the right to revise the premium by giving you 3 months' written notice.

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.

You will have to serve a waiting period before you can make any claims under this plan. Different waiting periods shall apply for different illnesses.

Member of PIDM

The benefit(s) payable under eligible product is protected by PIDM up to limits. Please refer to PIDM’s TIPS Brochure or contact AIA or PIDM.

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Critical Illness Protection