As parents or parents-to-be, giving your child a head start in life becomes your priority. As such you aspire to provide your child with the earliest form of protection possible.
We at AIA PUBLIC Takaful Bhd. understand such needs. With our A-Life Ikhtiar plan and suite of optional riders like A-Plus Total Health, A-PlusBabyCare Xtra-i, A-Plus ParentCare Xtra-i and A-Plus ParentContinuator-i, we are able to provide a total health solution for both mother and child from as early as 13 weeks of pregnancy.
AIA Vitality is a unique, science-backed health programme that empowers you with the knowledge, tools and motivation to bring about long-term positive behavioural changes to lead a healthier life.
A closer look into A-Plus ParentCare Xtra-i and Vitality Joy Wallet
A-Plus ParentCare Xtra-i covers you as a parent therefore providing much needed financial support to your child by paying a lump sum benefit in the untimely event of Death or TPD1 before your child attains the age of 25.
Enjoy further rewards when you as a parent join AIA Vitality through AIA Vitality Joy Wallet. At every Vitality Joy Wallet anniversary, an amount (if any) will be credited into the Vitality Joy Wallet where the amount is determined by multiplying A-Plus ParentCare Xtra-i sum covered with the Vitality Joy Wallet percentage. The Vitality Joy Wallet percentage shall depend on the Participant’s (Parent) AIA Vitality status as shown below.
You may use the accumulated Vitality Joy Wallet amount for the benefits below up to the limit stated and subject to the total amount available in Vitality Joy Wallet:
In the event the Parent suffers TPD1 or passes away before the child attains age 25, whichever is
earlier, the remaining Vitality Joy Wallet amount shall be credited in full into the Participant’s
Investment Fund (PIF).
Note: PMCM benefit is only applicable for Plan 200, 300 and 500 for A-Plus Total Health.
PMCM benefit is administered by our service provider, Medix Medical Services Asia Limited
(“Medix”).
1 TPD and Accidental Death coverage is up to age 70.
2 For Death and Accidental Death that happens before birth or up to 30 days from birth, only the total contribution that have been paid excluding any A-Plus Saver-i and Ad Hoc Top Up or the account value of Participant’s Account Fund, whichever is higher, plus the account value of Participant’s Investment Fund shall be payable. No benefit will be payable for TPD that occurs up to 30 days from birth.
HOW IT WORKS?
MAJOR EXCLUSIONS
This plan does not cover any of the following occurrences:
Death due to:
• Suicide, whether sane or insane, within one year from the Issue Date or Commencement Date of
the Certificate, whichever is later.
Accidental Death due to:
• Wilful exposure to danger or self-inflicted act while sane or insane; or
• Assault or murder or due to war (declared or undeclared), revolution, riot and civil commotion,
industrial action or terrorist activity; or
• Wrongful act such as violation or attempted violation of the law or resistance to arrest,
participating in any fight, racing on wheels or accidents due to intoxication of alcohol or drugs; or
• Entering, exiting, operating, servicing, or being transported by any aerial device or conveyance
except when the Person Covered is a fare-paying passenger or crew member on a commercial
passenger airline on a regular scheduled passenger trip over its established passenger route.
Total and Permanent Disability due to:
• Wilful exposure to danger or self-inflicted act while sane or insane; or
• Assault or murder or due to war (declared or undeclared), revolution, riot and civil commotion,
industrial action or terrorist activity; or
• Wrongful act such as violation or attempted violation of the law or resistance to arrest,
participating in any fight, racing on wheels or accidents due to intoxication of alcohol or drugs; or
• Entering, exiting, operating, servicing, or being transported by any aerial device or conveyance
except when the Person Covered is a fare-paying passenger or crew member on a commercial
passenger airline on a regular scheduled passenger trip over its established passenger route; or
• Pre-existing disability resulting from a physical or mental condition and pre-existing conditions
prior to Issue Date or Commencement Date whichever is later; or
• Any congenital defect which has manifested or was diagnosed before the Person Covered
attains seventeen (17) years of age for Certificate approved while the Person Covered is still in
the womb.
Critical Illness due to:
• Pre-existing Conditions prior to the Issue Date or Commencement Date, whichever is later; or
• Cancer, Heart Attack, Coronary Artery By-Pass Surgery, Serious Coronary Artery Disease and
Angioplasty and Other Invasive Treatments for Coronary Artery Disease, for which the signs or
symptoms first occurred within 60 days following the Issue Date or Commencement Date,
whichever is later; or
• All other critical illnesses for which the signs or symptoms first occurred within 30 days following
the Issue Date or Commencement Date, whichever is later; or
• Critical illness was diagnosed directly or indirectly due to a congenital defect or disease which
has manifested or was diagnosed before age 17; or
• The diagnosis of Fulminant Viral Hepatitis, Cancer, Encephalitis, Bacterial Meningitis, Alzheimer's
Disease / Severe Dementia or Terminal Illness was directly or indirectly due to an Acquired
Immunodeficiency Syndrome (AIDS) or infection by any Human Immunodeficiency Virus (HIV).
As parents or parents-to-be, giving your child a head start in life becomes your priority. As such you aspire to provide your child with the earliest form of protection possible. Contact me:
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