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.

Accidental Death
Not covered
Permanent Disablement
up to RM200k
Medical Expenses
up to RM2k


What makes this insurance policy stand out?

Cover Type
  • For Individual
  • For Child
Maximum Entry Age
Protection up to 75 years
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 Or Permanent DisablementAmount paid if an accident results in death or permanent disablement of the policyholder.
from RM100k up to RM200k 
Weekly BenefitExtra 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
Permanent DisablementCash payout following an accident if you can't work any longer or perform day to day tasks.
from RM100k up to RM200k 
Medical ExpensesWhat's covered for your medical treatment and services if you're involved in an accident.
from RM2k up to RM2k 
Double IndemnityFor death that occurs using public transportation you get double the accidental death benefits.
from RM100k up to RM200k 
Alternative Medical TreatmentIn case you'd prefer to seek treatment from a registered traditional medicine practitioner.
up to RM500 
Weekly BenefitExtra 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

How to Claim

Who do I contact if I have a question or emergency?

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 AIA@MyService. 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!


Minimum Entry Age
At least 1 months of age
Maximum Entry Age
At most 70 years of age
Maximum Renewal Age
At most 75 years of age

More Information

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.

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