- Overview
- Benefits
- FAQs
Benefits
Vitality Savings Rewards
Sign up as an AIA Vitality member and get rewarded when you stay healthy. Accumulate up to 6% of ANC per year as an additional reward based on your AIA Vitality status.
Frequently Asked Questions
A-Enrich Impian is a Shariah-compliant family takaful savings plan that helps you build long-term savings while providing financial protection. It offers guaranteed cash payments and coverage for death and Total and Permanent Disability (TPD).
A-Enrich Impian helps you save for future goals while providing financial protection. It combines guaranteed benefits and takaful coverage in one plan.
- Annual Savings Reward
- Savings Booster every 5 years
- Key savings milestone
- Guaranteed maturity benefit
- Death and Total and Permanent Disability (TPD) protection
- Access to AIA Vitality rewards.
Your contributions are used for protection and savings purposes under Shariah principles. The investment portion is managed in Shariah-compliant funds, while participants support one another through a shared risk pool.
A-Enrich Impian is a regular contribution Takaful plan which consists of Ordinary Family Takaful and investment-linked portions which provides you with benefits such as Annual Savings Reward, Savings Booster, Key Savings Milestone and Maturity Benefit. AIA Vitality members also get to enjoy an additional benefit—Vitality Savings Reward. On top of that, it also provides a lump sum death and Total and Permanent Disability (TPD) benefit. This plan also provides the option for Participants to donate any surplus that they may receive for charitable activities.
A-Enrich Impian is suitable for young family seeking a Shariah-compliant approach to build family security, grow their wealth, and protect their loved ones. It can help support goals such as education planning, retirement savings, and wealth accumulation.
Terms & Conditions
- Annualised contribution (ANC) refers to the total contribution payable for one certificate year for the Basic Contribution and A-Plus Enrich Saver-i Contribution, excluding A-Plus Saver-i contributions and any ad hoc top-ups. If the ANC is subsequently changed, the amount after such alteration will become the ANC.
- Savings Booster, Key Savings Milestone and Maturity Benefit are payable subject to your contribution being paid up to date.
- You should determine that this plan will best serve your needs and that the contribution payable under the Takaful certificate is an amount you can afford.
- If you cancel your Takaful certificate within the free-look period of 15 days, we will refund you the account value in Participant’s Account Fund plus Participant’s Investment Fund (if any) and all certificates charges that have been deducted less any expenses which may have been incurred for any medical examination (if any).
- The Tabarru’ rate, fees and charges for this plan is not guaranteed and AIA PUBLIC Takaful may revise the Tabarru’ rate, fees and charges by giving you 3 months’ notice in advance. You may need to pay additional contribution if the Tabarru’ rate, fees and charges are revised.
- You should continue paying your contributions regularly throughout the contribution payment term to ensure that you are always fully protected under this plan. Failing to do so may result in your coverage ending prematurely.
- In the event of non-payment of your contribution, your certificate will remain in-force, as long as your Account Value in Participant's Account Fund (PAF) is sufficient to cover the relevant charges. If any contribution is unpaid and the Account Value in PAF becomes insufficient to cover the relevant certificate charges, your certificate shall lapse after the grace period.
- No benefits will be payable from respective funds after termination, expiry or maturity of the Takaful certificate.
- Contribution payments can be made annually, half-yearly, quarterly, or monthly.
- It may not be advantageous to switch from one Takaful plan to another, as you may be subject to new underwriting requirements, full waiting period and any applicable period for the exclusion of specific illnesses / pre-existing conditions of the new plan.
- The information above is not exhaustive. It is recommended that you request for a copy of the Product Illustration and Product Disclosure Sheet to know more about this product. For a detailed explanation of its benefits, exclusions, terms and conditions, please refer to the certificate contract.
- You are entitled to an individual tax relief when you participate in this plan, subjected to terms and conditions of the Inland Revenue Board of Malaysia (LHDN).
- Please note that contributions paid by business organisations are subject to the applicable tax imposed by the Government of Malaysia at the prevailing rate.
- The Takaful Operator will pay your portion of the surplus to a charity organisation chosen by the Takaful Operator if you opt to have any surplus attributable to be donated to charity. You can opt out from the surplus donation at any time by notifying the Takaful Operator. Please take note that you will not be provided any receipts for your donations.
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