Underwritten by AIA Bhd.


Have an umbrella ready for the worst with AIA Twin PA, and get the financial protection that your family deserves if you're involved in an accident. What's more, this family-friendly plan allows you to extend the protection to your young ones as well.

    • Up to RM200k TPD Benefit
    • Up to RM2000 Medical Expenses Benefit
    • Up to RM200k Accidental Death Or TPD Benefit

Get covered now with AIA Twin PA

RinggitPlus will help you every step of the way.

By typing your contact information, you agree to our Terms of Use. 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 Twin PA

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.

Your qualifications have not met the requirements of this policy. Don’t worry, you can still check other insurance policies

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 [email protected], we'd love to help!

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

View product disclosure sheet.


What makes this insurance policy stand out?

  • Cover Type
    for individual and child
  • Maximum Entry Age
    protection up to 75 years of age
  • Renewal Bonus
    50% increase of sum assured Sum assured for accidental death and permanent disablement


How much you can claim for AIA Twin PA

  • Accidental Death
    The coverage amount paid to your closest family members if you die in an accident.
    Not Covered
  • Permanent Disablement
    Cash payout following an accident if you can't work any longer or perform day to day tasks.
    from RM100000 up to RM200000
  • Temporary Total Disablement
    Cash compensation if you are unable to work temporarily because of total disability.
    Not Covered
  • Medical Expenses
    What's covered for your medical treatment and services if you're involved in an accident.
    • Double Indemnity
      For death that occurs using public transportation you get double the accidental death benefits.
      from RM100000 up to RM200000
    • Alternative Medical Treatment
      In case you'd prefer to seek treatment from a registered traditional medicine practitioner.
      up to RM500
    • Weekly Benefit
      Extra cash payout if you are unable to work while you recuperate after an accident.
      from RM50 up to RM100 per week up to 52 weeks
View more coverage details +


How much your premiums may cost

  • School Teacher

    Besides the drive to work and the occasional long errand, En. Hameed rarely leaves the house for anything. At the age of 27, he reckons a basic plan is enough coverage.

    Suggested PremiumRM233.00
    Get Quote
  • Young Entrepreneur

    For 30 year old Lydia, success comes with careful planning. Needless to say when it comes to her own safety, she wants nothing less than the best.

    Suggested PremiumRM445.00
    Get Quote
  • Machinery Operator

    Eric who turns 42 this year operates a wood cutting machine daily at the sawmill outside town. His insurance does not come cheap considering the risk he's exposed to.

    Suggested PremiumRM717.00
    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

The first rule of thumb is to inform AIA of any incident that is covered by your policy in writing the soonest possible within 30 days of your encounter. You can reach them through email at [email protected] or head directly to their branches.

Claim form is always a must to initiate a claim. There is different form for different type of incident, fill up only the relevant one:

  • Death
  • Accident
  • Hospitalisation

If none of the above applies, contact AIA customer service care-line at 1300 88 1899 or look for the one you need by logging in to [email protected] Documents or it didn't happen, they'll also need some supporting documents from you as a proof.

Once everything's in place, deliver the completed claim form and documents personally to any of AIA branches you find convenient. Rest assured that AIA will process your claim promptly and inform you of the outcome in no time!

Customer Service Hotline


Am I eligible to apply for this insurance?

Minimum Age
At least 1 month of age
Maximum Age
At most 70 years of age
Maximum Renewal Age
At most 75 years of age
Who can Apply
  • Malaysians
  • Foreigners with valid work permit

Frequently Asked Questions about AIA Twin PA

Things you might want to know

Who does AIA Twin PA covers?

This personal accident policy provides for financial benefits arising from accidental events that lead to severe injury, permanent disablement and death to participants aged between 16 to 70 years (adult).

As this is a twin policy, you can also extend the protection to your children (entry age between 1 month to 15 years) under this PA, on conditions that they are unemployed and unmarried.

What are the benefits under this plan?

Depending on the nature of your risks and financial commitments, you can scale up your benefit amount to a maximum of RM200,000. The benefits under this PA insurance for Adult and Juvenile Plans are as follow:

  • Accidental Death and Dismemberment Benefit
  • Double Living Benefit
  • Medical Reimbursement Benefit
  • Weekly Indemnity Benefit (Adult Plan only)
  • Payor Benefit (Juvenile Plan only)

What is not covered under AIA Twin PA?

There are two categories of exclusions that are not covered by AIA Twin PA: Pre-existing conditions and general exclusions.

How long is the coverage period?

Both Adult and Juvenile Plans will commence once the contract is sealed and are renewable every year.

What is the waiting period for payment of claim?

You and your child need to wait 12 months from the date of your/your child’s accident for any payment to be credited.

Can I cancel either one of these plans?

You may cancel your/your child’s plan by writing to AIA stating the date of the plan to be cancelled. Your refunded premiums will be subjected to AIA’s refund calculation and discretion at the time of refund.

It is advisable that you notify the insurer ahead of your/your child’s next premium due date.

Read More