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}}Be prepared for any uncertainties or emergencies. Let us help you better understand the importance of medical insurance and takaful coverage.
About medical insurance or takaful
All you need to know
Getting a medical plan
What to look out for
The impact of rising inflation
How does this impact your medical coverage?
Sharing of risks
What is risk pooling?
Medical Plan: Rates/ Charges/ Tabarru' Revision
Tips to future-proof your medical coverage
AIA medical plans
End to end protection for you
How will this affect my medical plan?
If your medical plan with AIA is a traditional standalone medical plan or a premium/contribution paying rider that is added to an investment-linked plan, your premiums or contributions will be revised, and you will have to pay the revised amount to keep the coverage active.
If your medical
plan
with AIA is an investment-linked plan rider where its charges/Tabarru' are
deducted
from
your account value, your insurance charges or Tabarru' will be revised with a
new
monthly
deduction which pays for your medical coverage. If higher charges/Tabarru'
are
deducted, it
is possible that your plan's account value will deplete faster if you continue
paying your
current premium/contribution amount. This means your plan may end earlier than
intended,
which stops your medical coverage.
To prevent this, you may choose to increase or top up your premium/contribution
amount. A
scheduled top-up is highly encouraged as it sustains your medical plan, ensuring
that you
continue to receive coverage.
What other alternatives do I have in light of these revisions?
Upgrade to plans with better and more comprehensive coverage which helps meet your current and future healthcare needs. Terms and conditions apply.
You can downgrade to a lower coverage plan (if available), but first, assess whether a lower medical plan will be sufficient to cover your needs today and in the future.
This can help lower your insurance charges/Tabarru'.
Cancelling your existing medical plan altogether should only be taken as a last resort, provided that you have exhausted all possible and available options. It should ideally be avoided as you will be left with no medical protection at all. Paying for medical expenses especially for a major illness or an unexpected incident in this day and age can be financially debilitating, which makes having a good medical plan as your safety net even more crucial.
As always, we encourage you to consult your Life Planner/Financial Executive for advice and get a full assessment of all suitable options before making any changes to your coverage.