1. Except for Angioplasty and Other Invasive Treatment where the coverage amount payable for this claim shall be limited to 10% of the coverage amount of A-Plus Beyond Critical Shield or RM25,000, whichever is lower.

2. Coverage amount paid under A-Plus Beyond Early Critical Shield will reduce the A-Plus Beyond Critical Shield coverage amount.

3. These optional benefits cover individuals up to age 80.

4. Coverage amount paid under A-Plus Beyond Early Critical Shield will reduce the A-Plus Beyond Critical Shield coverage amount.

5. The cost of insurance is deducted depending on your attained age and it will increase as your age increases.

6. The cost of insurance for these optional benefits are not guaranteed and AIA reserves the right to revise the cost of insurance by giving you three (3) months prior written notice.

7. The premiums apportioned to these optional benefits may qualify you for a personal tax relief, subject to the final decision of the Inland Revenue Board of Malaysia.

8. You will have to serve a waiting period before you can make any claims under these optional benefits. Different waiting period shall apply for different benefits.