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AIA i-Starter Plan
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  • AIA i-Starter Plan FAQ

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    1. What is AIA i-Starter Plan?

    AIA i-Starter Plan is a 1-year term family Takaful plan which covers death.

    This plan is commission-free and no intermediaries are involved in the marketing of AIA i-Starter Plan.


    2. Who can participate in this plan?

    This plan is available to individuals aged 16 to 55 years old.


    3. How much coverage should I get?

    The amount of coverage you need depends on your affordability, current financial obligations and the future financial needs of your family. You can calculate your estimated protection needs here.


    4. What are the benefits of AIA i-Starter Plan?
    Benefit Coverage Amount*
    Death RM 10,000
    RM 15,000
    RM 20,000
    RM 25,000
    RM 30,000

    * Subject to a maximum of RM30,000 per life for this product.


    5. What happens if I pass away during the certificate’s term?

    If you pass away during the certificate’s term, your loved ones will receive 100% of the coverage amount.


    6. How long is the coverage term?

    The coverage term is one (1) year only.


    7. Can I participate in more than one AIA i-Starter Plan certificate?

    Yes, you may participate in more than one (1) AIA i-Starter Plan subject to a maximum total coverage amount of RM 30,000.


    8. Will the certificate be automatically renewed after one year?

    No, however you may participate in a new AIA i-Starter Plan if you wish to continue to be covered for another one (1) year.


    9. When does my coverage begin?

    Your coverage begins immediately after contribution payment is confirmed.


    10. Can I change the coverage amount of my AIA i-Starter Plan certificate?

    You may decrease your coverage amount at the next contribution due date. However, you may not increase your coverage amount. If you would like to increase your coverage, we would suggest that you participate in an additional certificate of AIA i-Starter Plan. Please refer to FAQ number 7 for more information.


    11. What is Takaful?

    Takaful is a mutual assistance scheme based on the principles of solidarity, brotherhood, and cooperation. Each participant agrees to contribute on the basis of Tabarru’ (donation) into a fund called Participants’ Risk Fund (PRF), which will be used to assist each other in times of need. AIA PUBLIC Takaful Bhd. (AIA PUBLIC) as a Takaful Operator is entrusted to properly invest and manage this fund in accordance with the investment strategy that complies with Shariah principles.


    12. Do I get to enjoy surplus?

    Surplus will be determined and declared, if any, once a year by the Takaful Operator. If there is any surplus arising from the PRF, the net surplus, after claims payable and required capital shall be shared by the Takaful Operator and eligible Participants at the following ratios:

      Takaful Operator Participants
    Surplus in Participants’ Risk Fund (PRF) 50% 50%

    The surplus will be shared with the eligible Participants proportionally in accordance to their actual Tabarru’ allocation.


    13. How can I pay for this plan?

    You can make the payment with your debit card, credit card or through online banking.


    14. For how long do I have to pay the contribution?

    You only have to pay the contribution throughout the coverage term of the plan. Contributions are payable according to payment mode: yearly, half-yearly, quarterly and monthly.


    15. Can I change my contribution payment method or payment mode?

    You can change your contribution payment method or payment mode at our customer portal, My AIA. Please click on this link to login or register.


    16. Can I cancel or surrender my certificate?

    Yes, you have the option to cancel or surrender your Takaful certificate by giving a written request that is signed by you to AIA PUBLIC. We will refund the contribution based on table below, provided that no claims have been made during the current certificate year.

    Period Not Exceeding Contribution Payment Mode
    Annual Semi-annual Quarterly Monthly
    15 days* 100% 100% 100% 100%
    1 month 80% 70% 50% No refund
    2 months 70% 50% 20% No refund
    3 months 60% 30% No refund No refund
    4 months 50% 20% 50% No refund
    5 months 40% 10% 20% No refund
    6 months 30% No refund No refund No refund
    7 months 25% 70% 50% No refund
    8 months 20% 50% 20% No refund
    9 months 15% 30% No refund No refund
    10 months 10% 20% 50% No refund
    11 months 5% 10% 20% No refund
    12 months No refund No refund No refund No refund

    *Free Look Period – You have the right to cancel your Takaful certificate by giving a written request that is signed by you to AIA PUBLIC within 15 days after you have received the Takaful certificate or e-Certificate. The Contributions that you have paid will be refunded to You.


    17. If my AIA i-Starter Plan certificate has lapsed, can I reinstate it?

    You may reinstate your certificate before the certificate’s expiry date by visiting any of our Customer Centres.


    18. Is there any additional fees, charges and taxes for this plan?

    No. There is no additional fees and charges other than your contribution payment. Please note that contribution paid by business organisations are subject to the applicable tax imposed by the Government of Malaysia at the prevailing rate.


    19. What are the major exclusions under this certificate?

    You will not be covered if you pass away in any of the following circumstances:

    1. Death by suicide.

    Note: This list is non-exhaustive. Please refer to your e-certificate for the full list of exclusions.


    20. How can I nominate someone for my Takaful certificate?

    You may appoint nominee(s) as:

    1. An executor; or
    2. A beneficiary under conditional hibah (gift).

     

    It can be anyone but the nominee has to be a natural person. You cannot name an organisation as a nominee.

    To make a nomination, you may download a copy of the Nomination Form here and submit the completed nomination form at any of our Customer Centres or mail to:

    Customer Servicing Department,
    Wisma AIA,
    99 Jalan Ampang,
    50450 Kuala Lumpur.


    21. Why is nomination important?

    Nomination is important to ensure your nominee(s) receives the benefits from your Takaful certificate as soon as possible, should you pass away. It is also important to ensure that the person(s) nominated is aware of this. 


    22. Where can I obtain the claims form & make a claim?

    The claim form and consent form can be downloaded here or can be found in AIA website aia.com.my.

    Please complete the form, including your bank information as we will pay the approved claim directly to your bank account via e-payment. The completed claim form together with the necessary documents can be submitted at any of our AIA Customer Centres.

    Below are the list of documents that you would need to make a claim:

    1) Claim Form
    2) Death Certificate
    3) Original Takaful certificate/Bond of Indemnity
    4) Proof of claimant's relationship to deceased
    5) Claimant's IC
    6) JPN letter (for death outside of Malaysia)
    7) 5 copies of Consent form

    Non original documents must be certified as true copy by AIA authorised staff at our AIA Customer Centres, at the police station, a school headmaster or the head of your village.


    23. How do I check on the progress of my claim?

    You can check your claim status by registering as a user of our customer portal My AIA. Please click on this link to register. You can also visit any of our Customer Centres or contact 1300 88 8922.


    24. What additional documents are required if I pass away overseas?

    We will need a letter from the National Registration Department of Malaysia confirming the death. We will also need the certified true copy of the death certificate issued by the country where you are at.


    25. Who should I contact if I would like to find out more or lodge a complaint?

    Please leave us your contact details by clicking on this link. You can also call AIA PUBLIC Customer Contact at 1300 88 8922.


    26. When will AIA PUBLIC respond to my questions or complaint?

    If you send us an email, you will receive an immediate automated acknowledgement. Our customer care representatives will respond to your emails within 3 working days.


    Contact Us
    AIA Bhd.
    1300-88-1899
    For overseas customers
    603 2056 1111
    AIA PUBLIC Takaful Bhd.
    1300-88-8922
    AIA General Berhad
    1300-88-1899
    AIA Auto Assist/Roadside Assist
    1-800-88-8733
    CONTACT AIA
    AIA Bhd.
    1300-88-1899
    For overseas customers
    603 2056 1111
    AIA PUBLIC Takaful Bhd.
    1300-88-8922
    AIA General Berhad
    1300-88-1899
    Contact Address
    Customer Relations Unit Menara AIA, 99 Jalan Ampang 50450 Kuala Lumpur

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