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.
