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.
