Life Protection
Protect your loved ones’ future from life’s uncertainties.
AIA i-Critical Illness Cover
Online Products
Coverage Period
YEARLY RENEWABLE UP TO 70 YEARS OLD
Entry Age
16 - 55 YEARS OLD
You can sign-up via
Online
WHAT IS THIS PRODUCT ABOUT
AIA i-Critical Illness Cover provides you coverage for 39 critical illnesses at an affordable price. This plan is suitable if you are looking for a basic critical illness coverage. You can participate in AIA i-Critical Illness Cover directly online and be protected immediately.
This plan is only open to Malaysian citizens residing in Malaysia.
This plan is commission-free and no intermediaries are involved in the sales or marketing of AIA i-Critical Illness Cover.
Please refer to the terms and conditions.
It is important for you to know your coverage needs based on your financial budget before participating in this plan. Click the Know Your Budget button to complete a simple assessment.
WHAT DOES IT PROVIDE?
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critical illness protection
This plan provides you with a lump sum payment of 100% of the amount you're covered for if you are diagnosed with one of the 39 covered critical illnesses, except for Angioplasty and Other Invasive Treatments for Coronary Artery Disease.
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Angioplasty and Other Invasive Treatments
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 advanced payment.
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CHOICE OF COVERAGE AMOUNT
Choose your coverage amount, starting from a minimum of RM50,000 to a maximum of RM250,000.
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Underwriting Surplus
If there is any excess from the Participant's 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 critical illness mean?
Critical illness refers to life-threatening condition which is defined in your certificate.
THE TERMS AND CONDITIONS AT A GLANCE
- 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 contribution payable will increase depending on your attained age when the Contribution is due.
- The contributions for this plan is not guaranteed and AIA PUBLIC reserves the right to revise the contribution by giving you 90 days written notice.
- The contributions made 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 critical illnesses.
- This plan is underwritten by AIA PUBLIC Takaful Bhd. (AIA PUBLIC) and AIA PUBLIC is licensed under Islamic Financial Services Act 2013 and regulated by Bank Negara Malaysia.