What can I get from AIA A-Plus Total AccidentShield?
This is a policy rider which you can complement to your traditional plan or investment-linked policy, helping you get through the day when life gives you lemon.
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?
You are getting more protections which the former did not cover such as 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 I boost protection my policy rider?
Definitely. With a Riot and Civil Commotion (RCC) Benefit, you will be compensated from accidents arising from assault, murder, riot and civil commotion.
Just by topping up extra premium, you can shield yourself from any of these untoward incidents, especially during these 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 may. 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.