AIA

Underwritten by AIA Bhd.

AIA A-Plus AccidentShield

Enhance your AIA life insurance or investment-linked policy with this PA insurance rider to help yourself out with the bills if you're hit with an accident. Customize a policy that fits your needs best with flexi benefits!

    • 15-Day Cancellation Refund

Get covered now with AIA A-Plus AccidentShield

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Features

What makes this insurance policy stand out?

  • Cover Type
    for individual
  • Maximum Entry Age
    protection up to 70 years of age

Coverage

How much you can claim for AIA A-Plus AccidentShield

  • Accidental Death
    The coverage amount paid to your closest family members if you die in an accident.
    Flexi
  • Permanent Disablement
    Cash payout following an accident if you can't work any longer or perform day to day tasks.
    Flexi
  • Temporary Total Disablement
    Cash compensation if you are unable to work temporarily because of total disability.
    Flexi
  • Medical Expenses
    What's covered for your medical treatment and services if you're involved in an accident.
    Flexi
    • Double Indemnity
      For death that occurs using public transportation you get double the accidental death benefits.
      Flexi
View more coverage details +

Premiums

How much your premiums may cost

  • Fresh Graduate

    21 years old Nudin is planning to get her first PA insurance policy at her own expense. With a limited budget, a basic plan would suit her just fine 

    Suggested PremiumRM106
    Get Quote
  • VIP

    Judin who has just turned 40 is a successful motivational speaker who delivers talks all around the region. Having to travel frequently, his premiums will be slightly higher to because of the risks he's exposed to.

    Suggested PremiumRM132.5
    Get Quote
  • Machinery Operator

    At the age of 35, Tien Hwa works as an incinerator operator which puts him at a great deal of danger every day. He'll have to pay more to get himself a personal accident insurance policy.

    Suggested PremiumRM212
    Get Quote

Actual premium rates will be determined by AIA Bhd. and may vary from what is suggested based on age, sex, occupation, lifestyle habits and other factors.

How to Claim

Customer Service Hotline
 1300881899

Requirements

Am I eligible to apply for this insurance?

Minimum Age
At least 16 years of age
Maximum Age
At most 60 years of age
Maximum Renewal Age
At most 70 years of age

Frequently Asked Questions about AIA A-Plus AccidentShield

Things you might want to know

What is AIA A-Plus AccidentShield all about?

AIA A-Plus AccidentShield is a policy rider that provides benefits for death or injuries resulting from accidents. The policy pays out a lump sum compensation for any event that triggers death as well as, temporary or permanent disability.

Policyholders will also get Double Indemnity in the event he or she has met with an accident while traveling in a bus or train, elevator cars or as a result of fire breakout in public buildings.

What is maximum sum assured?

You can be covered up to a maximum of RM2,000,000 per lifetime or 5 times of the total basic sum assured, whichever is lower.

How much annual premium do I have to pay?

Since this is a rider which you can attach to your traditional plan or investment-linked policy and the annual premium or cost of insurance will vary depending on the risk classes. See below for illustration:

Occupation Class Annual Premium (RM) (inclusive of GST) Cost of Insurance (RM) (Inclusive of GST)
Occupation Class 1 106.00
63.60
Occupation Class 2 132.50
84.80
Occupation Class 3 159.00
106.00
Occupation Class 4 212.00
137.80

Note: For a male aged 25 with the sum assured of RM50,000.

What are the fees and charges involved?

Frankly speaking, there are no other fees and charges! The only thing you need to pay is the annual premium or cost of insurance deducted.

Is this rider eligible for income tax relief?

Yes, it is. You can qualify for a personal tax relief under the annual life insurance premium and EPF, provided the total combined value of premium paid for this rider and EPF do not exceed RM6,000.

Are there any add-on coverage perks?

You can subscribe to Riot and Civil Commotion (RCC) benefit by adding on a little extra to your annual premiums. This add-on coverage will compensate you from accidents arising from assault, murder, riot and civil commotion – its hard to tell when you might need this little perk in this day and age. 

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