AIA

Underwritten by AIA Bhd.

AIA A-Life Critical Care

Have a proper medical emergency plan with the AIA A-Life Critical Care. This includes coverage up to the age of 85 for severe illness, including death and total permanent disability benefits.

    • Non-Increasing Premiums
    • Income Tax Relief
    • Refund Within 15 Days Cancellation
    • RM20000 Minimum Sum Assured

Contact Info

Who do I contact for any inquiries?

AIA Customer Care Hotline
  •  1300881899

    • Coverage

    What can I claim from this insurance policy?

    Coverage Type 

    • Cancer

      Cancer

    • Major Organ Related Illnesses

      End Stage Kidney Failure
      Covered
      Medullary Cystic Disease
      Covered
      Systemic Lupus Erythematosus With Lupus Nephritis
      Not Covered
      End Stage Liver Failure
      Covered
      End Stage Lung Disease
      Covered
      Fulminant Viral Hepatitis
      Covered
      Primary Pulmonary Arterial Hypertension
      Covered
      Chronic Aplastic Anemia
      Covered
      Terminal Illness
      Covered
      Major Organ Transplant
      Covered
      Bone Marrow Transplant
      Covered

    • Heart Related

      Heart Attack
      Covered
      Other Serious Coronary Artery Disease
      Covered
      Heart Valve Surgery
      Covered
      Surgery To Aorta
      Covered
      Severe Cardiomyopathy
      Covered
      Coronary Artery Bypass Surgery
      Covered
      Angioplasty And Other Invasive Treatments For Major Coronary Artery Disease
      Covered
      Artery Disease
      Not Covered

    • Brain Related

      Brain Surgery
      Covered
      Benign Brain Tumor
      Covered
      Coma
      Covered
      Alzheimer's Disease Or Irreversible Organic Degenerative Brain Disorders
      Covered
      Disorders
      Not Covered
      Loss Of Independent Existence
      Covered
      Motor Neuron Disease
      Covered
      Multiple Sclerosis
      Covered
      Muscular Dystrophy
      Covered
      Paralysis Or Paraplegia
      Covered
      Parkinson's Disease
      Covered
      Stroke
      Covered

    • Infection Related

      Bacterial Meningitis
      Covered
      Encephalitis
      Covered
      HIV Due To Blood Transfusion
      Covered
      Occupationally Acquired HIV
      Not Covered
      HIV Due To Infection
      Not Covered
      Full Blown AIDS
      Not Covered

    • Accident Related

      Major Burns
      Covered
      Major Head Trauma
      Covered

    • Sensory Loss

      Deafness Or Total Loss Of Hearing
      Covered
      Loss Of Speech
      Covered
      Blindness Or Total Loss Of Sight
      Covered

    • Special Benefits

      Accidental Death
      Not Covered
      Death Or Total and Permanent Disability
      Covered
      Surgery for Type 2 Diabetic Retinopathy
      Not Covered
      Amputation Due To Type 2 Diabetic Complications
      Not Covered
      Severe Diabetic Nephropathy Resulting In Kidney Failure
      Not Covered
      Appalic Syndrome
      Not Covered
      Poliomyelitis
      Not Covered
      Surgical Repair Of Depressed Skull Fracture
      Not Covered

    Requirements

    Are you eligible to apply for this insurance?

    Minimum Age
    At least 14 years of age
    Maximum Age
    At most 60 years of age

    Frequently Asked Questions about AIA A-Life Critical Care

    Things you might want to know

    What is A-Life CriticalCare?

    The A-Life Critical Care from AIA is a whole life policy which will provide coverage against 36 critical illness, death, and total and permanent disablement. The great thing about about this insurance policy is that you will be able to share in the profits of the company, by paying out dividends to policyholders. Bear in mind that these profit earnings are not guaranteed, and the amount you stand to receive will depend on the company's performance.

    Who is eligible to buy A-Life CriticalCare?

    While other plans only allow babies above 30 days old, the A-Life Critical Care will be available to those aged between 14 days and 60 years old. Once you have signed-up, it will have you covered up to the age of 85.

    How much premium do I have to pay annually?

    To determine your premium, the underwriting process will involve looking at your overall health condition, smoker status, gender, and age to access your risk class. The premiums for this plan are guaranteed, means you will have to pay a fixed amount for the whole of your protection period. Good news - premiums paid for this plan will be able to qualify for personal tax relief of up to RM6,000 for annual life insurance premium and EPF.

    How much is the increasing sum assured?

    Your basic sum assured will increase throughout your policy term. Look at the table below:

    Policy Year Additional Sum Assured (%)
    1 N/A
    2 - 4 10
    5 - 9 20
    10 - 14 40
    15 - 19 60
    20 - 24 80
    25 - 30 until age 75, whichever is later 100
    Thereafter 60

    Once I've fully claimed for the A-Life Critical Care, will my policy be terminated?

    Once you have claimed for a critical illness, you will still be covered under the death benefit of your policy, which is equivalent to 25% of your basic sum assured, up until the age of 85. You are not required to pay premiums under this extended coverage.

    Read More