AIA

Underwritten by AIA Bhd.

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!

    Get covered now with AIA A-Plus Total Accident Shield

    RinggitPlus will help you every step of the way.

    By typing your contact information, you agree to our terms & conditions. We respect your privacy and are committed to handle your personal information safely and responsibly.

    You are one step closer to getting your coverage with AIA A-Plus Total Accident Shield

    Let us know you better so we can help you get the right amount of coverage.
    Confirm your application

    Oops. We can't seem to get a quote for you for a while there. Please click "Get Quote" again.

    Please fill in all fields and enter a valid email

    Thank you for applying with RinggitPlus!

    We’ve sent you an email to help with your application.

    Continue to AIA website

    If you have any questions let us know at can@ringgitplus.com, we'd love to help!

    Follow us to keep in touch and not miss out on offers and promotions.

    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 Total Accident Shield

    • 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 per week up to 52 weeks
    • 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
      • Temporary Partial Disablement
        Partial compensation if you are temporarily only able to perform limited work after an accident.
        Flexi per week up to 52 weeks
    View more coverage details +

    Premiums

    How much your premiums may cost

    • Budget Planner

      Working as a janitor, 33 years old Alan does not have much cash to spare but he'd like to gets himself the necessary financial protection in case of accidents.

      Suggested PremiumRM243.8
      Get Quote
    • Assembly Line Worker

      There is a fair bit of danger involved at the automobile factory where Suhaida works.This causes her insurance premiums to be slightly more expensive than usual.

      Suggested PremiumRM397.5
      Get Quote
    • Machinery Operator

      Operating machines in a steel mill is never an easy and risk-free task for 36 year old Jin Lin. Well, a premier personal accident insurance with maximum coverage won't come cheap either!

      Suggested PremiumRM715.5
      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 Total Accident Shield

    Things you might want to know

    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.

    Read More