AIA A-Plus Total Accident Shield

Boost your AIA life insurance policy or investment-linked plan with this rider to ease the financial burdens when life takes a wrong turn. Whether it's accidental death or permanent disability, AIA A-Plus Total Accidental Shield has got you covered!

AIA A-Plus Total Accident Shield
Accidental Death
Permanent Disablement
Medical Expenses


What makes this insurance policy stand out?

Cover Type
  • For Individual
Maximum Entry Age
Protection up to 70 years


How much you can claim for AIA A-Plus Total Accident Shield

Accidental Death Or Permanent DisablementAmount paid if an accident results in death or permanent disablement of the policyholder.
Accidental DeathThe coverage amount paid to your closest family members if you die in an accident.
Permanent DisablementCash payout following an accident if you can't work any longer or perform day to day tasks.
Temporary Total DisablementCash compensation if you are unable to work temporarily because of total disability.
Flexiper week up to 52 weeks
Medical ExpensesWhat's covered for your medical treatment and services if you're involved in an accident.
Double IndemnityFor death that occurs using public transportation you get double the accidental death benefits.
Temporary Partial DisablementPartial compensation if you are temporarily only able to perform limited work after an accident.
Flexiper week up to 52 weeks

How to Claim

Who do I contact if I have a question or emergency?


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

More Information

What do I get from AIA A-Plus Total AccidentShield?

This is a policy rider that might complement to your traditional insurance plan or investment-linked policy, helping you get through the day when life deals you a bad hand.

With coverage of up to RM500,000, this PA insurance rider extends its benefits to cover Accidental Death and Dismemberment, Permanent Total Disability, Temporary Disability, Medical Reimbursement and Double Indemnity.

Why is this rider different from AIA A-Plus AccidentShield?

With this policy you will get more coverage and better protection benefits, especially in the areas of Temporary Disability Benefit and Medical Reimbursement.

How much annual premium do I have to pay?

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 1 243.80 185.50
Occupation Class 2 296.80 222.60
Occupation Class 3 397.50 307.40
Occupation Class 4 715.50 540.60

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

Can this policy rider boost protection?

Definitely. With a Riot and Civil Commotion (RCC) Benefit, you will be compensated from accidents arising from assault, murder, riot and civil commotion.

By just topping up a little extra premium, you can shield yourself from these untoward incidents, especially during heightened geopolitical tensions.

What fees and charges do I have to pay?

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. 

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