Life Protection
Protect yourself and your loved ones from life's uncertainties with AIA's life insurance and takaful plans.
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Protect yourself and your loved ones from life's uncertainties with AIA's life insurance and takaful plans.
Avoid unforeseen medical expenses with AIA's medical insurance and takaful plans.
Focus on your recovery and not your financial commitments when you have AIA's critical illness insurance or takaful plans.
Stay protected while you secure your future with AIA's savings and investment plans.
Safeguard yourself from accidents with AIA's personal accident insurance plans.
Finance your dream property and ensure your household contents are well-protected.
Get comprehensive protection for your motor vehicles.
Sign-up for our insurance and takaful plans online for immediate protection.
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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
All insurance/takaful plans (throughout the world), including medical insurance and takaful, work based on the concept of risk pooling.
What is risk pooling?
When you take up a medical plan, you join a larger group of customers who have similar risk characteristics or profiles as you.
The premiums/contributions/charges/Tabarru' that insurance providers/takaful operators like AIA collect from you and all other customers in the group are pooled together to provide for future claims.
The
premiums/contributions/charges/
Tabarru' that insurance providers/takaful
operators like AIA
collect from you and all other customers in the group are pooled together to provide for
future claims.
In doing so, the risk and financial impact of medical claims which you may make are then spread evenly among those in the group.
If claims paid from the pool become higher than expected over time, the insurance company/takaful operator may have to revise their rates or charges to make sure that all customers in the group can continue to be covered in the long run.
As the coverage is provided to the entire group rather than individuals, everyone in the group will experience a revision in their rates/charges/Tabarru' (if any) regardless of whether or not you have made a claim. This ensures that everyone will continue to have access to comprehensive protection in the long run.