Benefits
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Health Rewards with AIA Vitality
With AIA Vitality, you may enjoy additional Health Rewards when A-Plus Health is attached:
- Up to 100% deductible waiver
- Hospital Room and Board Benefit upgrade - up to an additional 100% of the benefit amount
- Annual Health Wallet Booster - up to an additional 10% of the benefit amount
Health Rewards is subject to your AIA Vitality status.
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A-LifeLink 2
Terms & Conditions
- If the coverage term chosen is up to age 70, age 80 or 25 years term, your policy comes with an Automatic Extension of Coverage Term where the coverage term of the policy (except for A-Plus WaiverExtra rider, if any) will continue up to age 100 of the Insured for the basic plan and the maximum coverage age of any attaching riders PROVIDED there is sufficient account value to deduct for the policy charges and cost of insurance of any attaching riders. Regular premiums are not required during this extended coverage period and you may increase your account value by paying regular or ad-hoc top-ups. The insurance coverage provided under the basic plan and the attached riders will end when the account value has been fully utilised. You may notify the Company in advance to withdraw from the Automatic Extension of Coverage Term before the maturity of the policy. Please note that if you choose to withdraw from the Automatic Extension of Coverage Term, the basic plan and all the attaching riders including A-Plus Health and any Health Wallet amount (if applicable) shall expire together with the policy. Any application for the Automatic Extension of Coverage Term is not allowed after you have withdrawn from it.
- Coverage for Total and Permanent Disability is up to 70 years.
- The Anniversary Bonus increases the amount you are covered for by 1% each year at no additional cost, starting from the beginning of 2nd policy year until it reaches 120% of the amount you are covered for. The Anniversary Bonus will be given based on the policy year when the premium is last paid.
- The cost of insurance is deducted from your account value depending on your attained age and it will increase as your age increases.
- The Cost of Insurance for this plan is not guaranteed, you will need to pay additional premium if the Cost of Insurance is revised. The Company reserves the right to revise the Cost of Insurance by giving the policyholders 3 months' written notice.
- You may switch your funds as you need. The switching fee is currently free and AIA reserves the right to revise the switching fee by giving you 3 months prior written notice.
- Your policy account value is not guaranteed and fluctuates based on the performance of AIA Investment-Linked Fund. The potential risks in investing in the funds are borne solely by you.
- The premiums paid for this plan may qualify you for a personal tax relief, subject to the final decision of the Inland Revenue Board of Malaysia.
- Please note that premiums paid by business organisations are subject to the applicable tax imposed by the Government of Malaysia at the prevailing rate.
- The information above is not exhaustive. It is recommended that you request for a copy of the Sales Illustration and Product Disclosure Sheet to know more about this product. For a detailed explanation of its benefits, exclusions, terms and conditions, please refer to the policy contract.
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