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}}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* |
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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:
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*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.
If you are diagnosed with a covered critical illness during the policy’s term (except Angioplasty and Other Invasive Treatments for Major Coronary Artery Disease), you will receive 100% of the coverage amount, and the policy will be terminated thereafter.
In the event you undergo Angioplasty and Other Invasive Treatments for Major Coronary Artery Disease, 10% of the coverage amount will be payable, subject to a maximum of RM25,000. Payment under this benefit will reduce your coverage amount, and is only allowed once. After payment under this benefit, your coverage continues for the remaining 38 covered critical illness with the reduced coverage amount. The premium is still required to be paid continuously.
Please note that the benefits above will not be payable if you do not survive for at least 15 days after the diagnosis of a critical illness.
If you are diagnosed with more than one covered critical illness at the same time during the policy’s term, you are still entitled to claim for only one covered critical illness, and we shall only pay 100% of the coverage amount, and the policy will be terminated thereafter.
If you pass away during the policy’s term no benefit will be payable as AIA Critical Illness Cover does not cover death.
Yes, we will pay the critical illness claims of this plan in addition to any claims that you may have with other AIA insurance plans that covers critical illness.
Your coverage begins immediately after your premium payment is confirmed.
You can pay the premium for this plan with your debit card or credit card.
The premium for this plan is not guaranteed and may be increased in the future. We reserve the right to revise the premium rates by giving you 3 months’ written notice prior to the next policy anniversary.
Premiums are payable until the end of the policy term. Please note that the premium rate will increase depending on the attained age last birthday when the premium is due.
You can find the full premium rates in the Product Disclosure Sheet.
You can change your premium payment method or payment mode at our customer portal, My AIA. Please click on this link to login or register.
This plan is renewable every year up to the age of 70. Your policy will be renewed automatically on each policy anniversary as long as premiums are paid.
Yes, you may buy more than one (1) AIA Critical Illness Cover but the total coverage of all the policies purchased must not exceed RM250,000. However, it is advisable to purchase the amount of coverage that is suitable to your needs in one policy.
You may decrease your coverage amount at the next premium due date. However, you may not increase your coverage amount. If you would like to increase your coverage, we would suggest that you purchase an additional policy. Please refer to FAQ number 15 for more information.
Upon your successful purchase and premium payment, we will send you a confirmation email together with your e-policy contract. Please keep this email secure as proof of coverage. However, should you lose this email, you can always log on to our customer portal, My AIA, to view your policy details and download a copy of your e-policy contract. Please click on this link to login or register.
Yes, you have the option to cancel or surrender your policy. We will refund the premium based on the table below, provided that no claims have been made during the current policy year.
(Note: * not applicable to first Policy Year due to Free Look Period)
Free Look Period - You may cancel your policy by returning your policy contract and giving a written request signed by you to AIA Bhd. within fifteen (15) days after you have received your policy contract. The premiums that you have paid will be refunded.
You may reinstate your policy before the policy’s expiry date by visiting any AIA Customer Centres, subject to the following:
Please note that the reinstated policy shall only cover loss or the insured event which occurs after the reinstatement date after the applicable waiting period.
There are no fees, charges or taxes other than your premium payments.
The eligibility for benefits under the policy will only start after a specific period from the issue date or commencement date, whichever is later, of the policy. This period is known as the “waiting period”.
Yes. The waiting period for AIA Critical Illness Cover will apply from the Issue Date or Commencement Date, whichever is later, and is as follows:
Description | Waiting Period |
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Cancer, Heart Attack, Coronary Artery By-Pass Surgery, Serious Coronary Artery Disease and Angioplasty and Other Invasive Treatments for Coronary Artery Disease | 60 days |
Other covered critical illnesses not mentioned above | 30 days |
This policy does not cover:
Note: This list is non-exhaustive. Please refer to your policy contract for the full list of exclusions.
You can download the forms required (item 1, 2 and 5 listed below) for claim here. Please complete the form, including your bank information as we will pay the approved claim directly to your bank account via e-payment.
Below is the list of documents for your claims’ submission:
Any non-original documents must be certified as true copy by AIA’s authorised staff at any AIA Customer Centres.
You can submit the completed claim form together with the necessary documents at any AIA Customer Centres.
You can check your claims’ status by at our customer portal, My AIA. Please click on this link to register. You can also visit any AIA Customer Centres or contact our Care Line at 1300 88 1899
Please leave us your contact details by clicking on this link. You can also call our Care Line at 1300-88-1899.
If you send us an email, you will receive an immediate automated acknowledgement. Our customer service representatives will respond to your email within 3 working days.