AIA ExcelCare
AIA ExcelTrust
AIA Critical Illness
AIA Personal Accident
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Escalating Cost of HealthCare
Few of us plan for hospitalisation expenses. The truth is, a completely
unforeseen and unavoidable operation can sometimes dry up our entire
savings. Protect your lifestyle and savings with AIA ExcelCare.
AIA Health Services
Providing you with 24-hour hassle free assistance :
- in your admission to the hospital
- direct settlement of your hospital bills upon discharge - accepted in major hospitals throughout the country
Worldwide Coverage
Travel with the peace of mind, knowing that you are
protected anywhere in the world.
Guaranteed Coverage
With AIA guaranteed
renewability, you can assure yourself of continuous coverage. Such pleasure is not usually available in most other medical
plans.
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AIA Managed Fund
AIA Equity Fund
AIA Fixed Income Fund
AIA Dana-Al-Istithmar
AIA Medium Cap Fund
AIA Aggressive Fund
AIA Dynamic Syariah Fund
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Flexibility and Control
A special life insurance plan that gives you control and flexibility over
your protection and investment needs. As your needs change through time, you have the choice to increase or decrease your protection level,
to top up your investment or to switch between funds, the list is endless
What do you want out of it
AIA Insurance Account can be customized into any financial programme
you desire, be it retirement, child education, emergency funds or legacy for your loved ones. You decide. We are flexible.
Unparalled financial expertise
This plan gives you to tap into the well diversified AIA Investment Funds.
AIA Investment Funds are structured. monitored and managed by a professional team of fund managers in Malaysia.
'AAA' the symbol of financial strength
'AAA' is the highest possible rating assessment of financial strength from
Standard & Poor's. It reflects superior management operating control, strong financial profile, excellent liquidity and earnings. Backed by the
'AAA' rating, we believe AIA is your prime assurance od security for your investment and savings.
Guaranteed Protection
AIA will ensure continuous protection for the first 2 years should your
account value be insufficient to pay for your cost of insurance charges, as ling as you continue to pay the premiums when due, with no prior
withdrawals.
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You cannot prevent
Illnesses
But you can ease the financial strain they bring along.
Critical Life Rider (CLR)
A unique rider that advances a lump sum from your basic sum assured
should you undergo specific surgical operations/procedures or be diagnosed with critical illness. This money promises you the comfort
to see you through the devastating illness.
CLR covers you up to age 100 ; or up to the expiry of the basic policy,
whichever is earlier. Its premium is payable during the premium paring period of the basic
policy, or up to age 100, whichever is earlier.
Enhanced Critical Life Rider (ECLR)
ECLR provides you an additional lump sum payout upon undergoing
specific surgical operations/procedures or be diagnosed with critical illness. This
critical illness payout does not reduce you basic sum assured.
ECLR covers you up to age 70 ; or up to the expiry of the basic policy,
whichever is earlier. Its premium is payable during the premium paying period of the basic
policy, or up to age 70, whichever is earlier.
Waiver of Premium on CLR (WP/CLR) and ECLR (WP/ECLR)
These riders work hand in hand with CLR and ECLR riders respectively.
Upon undergoing specific surgical operations/ procedures or the diagnosis of critical illness, both provide the much needed financial
relief by waiving the future basic policy premiums when due.
WP/CLR Covers you up to the expiry of the premium paying period of the
basic policy. Its premium is payable during the premium paying period of the basic
policy, or up to age 100, whichever is earlier.
WP/ECLR covers you up to age 70 ; or up to the expiry of the premium paying period of the basic
policy, whichever is earlier. Its premium is payable during the premium paying period of the basic
policy, or up to age 70, whichever is earlier.
Critical Illness Income Rider (CIIR)
Upon undergoing specific surgical operations/procedures or the
diagnosis of critical illness, CIIR guarantees you an annual survival income of 10% of its sum assured for the next 10 years. This critical
illness payout does not reduce your basic sum assured.
CIIR covers you up to age 100; or up to the expiry of the basic policy, whichever is earlier.
Its premium is payable during the premium paring period of the basic
policy, or up to age 100, whichever is earlier.
Premier Critical Illness Life Rider (PCLR)
PCLR provides you with a lump sum payout should you undergo specific
surgical operations/procedures or be diagnosed with critical illness. However, insured has to survice at least 30 days after the diagnosis,
to be eligible for this claim. The rider does not reduce you basic sum assured upon claim.
PCLR covers you up to age 100; or up to the expiry of the basic policy,
whichever is earlier.
An insurance charge which varies with your attained age will be levied for PCLR uo to age 100, or prior termination of the rider, whichever is
earlier. PCLR is attachable to only Investment-linked plans.
Eligibility
CLR. PCLR, CIIR & WP/CLR : Anyone between 4 weeks up to 60 years
of age and in good health is eligible.
ECLR & WP/ECLR : Anyone between 4 weeks up to 55 years of age and in good health is eligible.
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What is Personal Accident Insurance
Personal Accident Insurance covers bodily injury that is caused solely
and directly by accident. An accident is an event that is unexpected, not intended or designed. Personal Accident (PA) Insurance provides
protection to the policy holder against accident bodily injury. The premiums are strictly for protection cover and there is no accumulation
of cash values. The premiums are very inexpensive.
Classic Family PA (family plan)
The Classic series of personal accident protection plan with medical
reimbursement benefit. The coverage is extended to the family members. There is no limit to the number of the dependent children to
be insured.
Classic PA (Individual plan)
The simplest personal accident plan that provides 24-hour worldwide
protection against accidental death, comprehensive coverage on dismemberment or permanent total disablement. Medical
reimbursement and weekly income payment are also available.
College PA
The most basic Personal Accident and medical benefit plan that all the
college students need. The benefits include Accidental Death, Accidental Dismemberment and Medical Reimbursement at just 5 sen
a day.
Millennium PA (Individual PA)
On top of the Accidental Death & Dismemberment benefit; Medical
Reimbursement and Weekly Income payment, the new benefits such as Broken Bone/Burns and Physician Benefit are
incorporated in the plan. Broken Bone/Burns benefits pay an extra sum in the event of accidental
bone fracture; dislocation of bone and/or burns. The Physician Benefit pays for treatment by acupuncturist, bonesetter, chiropractor, osteopath
and/or physiotherapist.
Super Juvenile PA (Juvenile PA)
The plan provides the child with cash support to continue education in
the event of his/her parent suffers loss of life or permanent total disablement due to an accident. The coverage also takes care of the
child's welfare for at least 20 years should he/she suffers coma, paralysis, or loss of sight and/or limbs as a result of an accident. The
medical bills and transportation expenses (for admission into a government hospital) incurred by the child will no longer burden the
parent. Moreover, a daily hospital income is payable if the child is admitted to a government hospital as a result of an accident.
Super Kid PA
Student Accident Plan that protects you and your child. This plan
enables your child to continue education if you suffer accidental loss of life or permanent total disablement due to an accident. This plan also
provides Medical Reimbursement, Hospital Cash and Transport Allowance Benefits.
Super PA
Super PA is a long term disability plan that takes care of
your welfare and livings should you suffered an injury and lost your ability to work. In
addition, up to RM 2,000,000 cash is available for accidental loss of life
sustained on a Public Common Carrier. The plan also provides comprehensive Personal Accident cover, medical reimbursement benefit
and medical evacuation benefit.
Teacher PA (School PA)
A unique Personal Accident and medical plan specifically for teachers
only. Comprehensive worldwide cover for less than 25 sen a day. This plan covers Accident Death & Dismemberment, Permanent Total
Disablement, Government Hospital Cash Allowance and Medical
Reimbursement.
Travel PA (Individual PA)
A comprehensive annual travel personal accident plan that provides
protection for unlimited journeys in a policy year. The plan include both International and Domestic Travel Benefits. Business and leisure trips
are covered equally. Each journey is covered to a maximum of 90 days. The International Travel Benefits extend to cover Accidental Injury
and Sickness sustained during a journey.
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