AIA A-Plus Multi Critical Care

A special CI plan that allows for multiple claims for a critical illness, which includes up to 2 cancer claims. Up to 100% of your sum assured can be received for each claim.

AIA A-Plus Multi Critical CareUp To 3 Claims
Min Sum Assured
RM5k
No. of Illness
37
Entry Age
14 days - 60 years
Max Cover Age
85 years
Early Stage Coverage
No

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Coverage

What can I claim from this insurance policy?

Cancer
  • Cancer
Major Organ Failure
  • End-stage Kidney Disease
  • Bone Marrow Transplant
  • Medullary Cystic Disease
  • Systemic Lupus Erythematosus With Lupus Nephritis
  • End-Stage Liver Disease
  • End-Stage Lung Disease
  • Fulminant Viral Hepatitis
  • Primary Pulmonary Arterial Hypertension
  • Chronic Aplastic Anemia
  • Major Organ Transplant
Heart Related
  • Heart Attack
  • Other Serious Coronary Artery Disease
  • Heart Valve Surgery
  • Surgery To Aorta
  • Severe Cardiomyopathy
  • Coronary Artery Bypass Surgery
  • Angioplasty And Other Invasive Treatments For Major Coronary Artery Disease
Brain Related
  • Brain Surgery
  • Benign Brain Tumor
  • Coma
  • Alzheimer's Disease Or Irreversible Organic Degenerative Brain Disorders
  • Loss Of Independent Existence
  • Motor Neuron Disease
  • Multiple Sclerosis
  • Muscular Dystrophy
  • Paralysis Or Paraplegia
  • Parkinson's Disease
  • Stroke
Infection Related
  • Bacterial Meningitis
  • Encephalitis
  • HIV Due To Blood Transfusion
Accident Related
  • Major Burns
  • Major Head Trauma
Sensory Loss
  • Deafness Or Total Loss Of Hearing
  • Loss Of Speech
  • Blindness Or Total Loss Of Sight

Contact Info

Who do I contact for any inquiries?

AIA Customer Care Hotline

Requirements

Minimum Entry Age
At least 14 days of age
Maximum Entry Age
At most 60 years of age
Coverage Expiry Age
At most 85 years of age

More Information

What are the highlights of AIA A-Plus Multi Critical Care?

Many people suffer from disease relapse such as cancer or a heart attack when the least expect it! With the A-Plus Multi Critical Care rider, you will have continuous coverage even after a claim is made.

You can make up to 3 critical illness claims for all 36 major illnesses - 100% of your rider sum assured is payable for each claim. 

Care to explain how the multiple claims work?

Okay, only 1 claim is payable under each illness group, excluding cancer. 

For Cancer, you can claim for up to 2 times, subject to a maximum of 3 claims. 125% of your basic sum assured is payable for each Cancer claim.

But be aware that your second diagnosis must occur at least 5 years after the first claim, and cannot be the same type of Cancer.

How old must I be to apply for this critical illness benefit?

This AIA critical illness rider is available to those at least 14 days to 60 years of age. You can be covered up to the age of 85 or expiry of your insurance plan, whichever is earlier.

How much do I have to pay for this insurance?

The amount payable is determined by your age and health risk - more specifically, your status as a smoker. AIA will inform you a 3 months notice prior to your next policy anniversary if there is any change to your payments.

How do I make a claim to AIA?

Below is a list of documents that you will need to provide AIA when submitting a claim: 

  1. Claimant Statement
  2. Physician’s Statement (by disease type)
  3. Certified Medical Test Results
  4. Certified IC of the Assured
  5. 5 copies of Consent Form and Patient’s card
  6. Policy Contract