1. A-Plus CriticalCare is available as a unit deducting add-on (attachable to an Investment-linked Insurance Plan.)

2. You may also choose to cover up to age 70, age 80, or age 100.

3. The cost of insurance will increase as your age increases.

4. The cost of insurance for this plan is not guaranteed and AIA reserves the right to revise the cost of insurance by giving you 3 months written notice.

5. The cost of insurance paid for this plan may qualify you for a personal tax relief, subject to the final decision of the Inland Revenue Board of Malaysia.

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