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AIA A-Life Krtikal Protector

A-Life Kritikal Protector is a takaful plan that provides a lump sum to you if you are diagnosed with any of the covered critical illnesses

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  • icon Critical illness Coverage
    Critical illness Coverage
    45 types of critical illness
  • icon Sum Assured
    Sum Assured
    -
  • icon Coverage Term
    Coverage Term
    Up to 60 & 70 years old
  • icon Entry Age
    Entry Age
    14 days - 60 years old
  • icon Product Summary Product Summary

    A critical illness diagnosis can come when we least expect it. We often overlook our physical and financial positions after we are discharged from the hospital. A-Life Kritikal Protector is a takaful plan that provides a lump sum to you if you are diagnosed with any of the covered critical illnesses, so you can focus on your recovery journey.

Key Benefits

100% coverage amount will be payable to cover immediate or long-term costs for your recovery if you are diagnosed with any of the 45 covered critical illnesses

100% coverage amount will be payable to cover immediate or long-term costs for your recovery if you are diagnosed with any of the 45 covered critical illnesses

Receive 10% of the coverage amount if you pass away

Receive 10% of the coverage amount if you pass away

Choose the combination of payment and coverage duration to suit your protection needs

Choose the combination of payment and coverage duration to suit your protection needs

If there is any excess from the Takaful risk fund at the end of every year, AIA PUBLIC will share it with the eligible Participants at 50:50 ratio

If there is any excess from the Takaful risk fund at the end of every year, AIA PUBLIC will share it with the eligible Participants at 50:50 ratio

Enhance your protection by attaching the available riders

Enhance your protection by attaching the available riders

  • icon Eligibility Eligibility

  • icon Downloads Downloads

Last updated: Sep 8, 2023

AIA A-Life Krtikal Protector FAQ

  • This is a single claim payment based on your coverage amount.
  • This is the time period where the takaful company will not pay for certain claims.
  • This plan is available for individuals aged between 14 days old and 60 years old.
  • It depends on the contribution term that you have chosen, i.e. 20 years or full pay. Contributions are payable according to your selected payment mode: annually, half-yearly, quarterly and monthly
  • Critical Illness Benefit Any critical illnesses arising from the occurrence of the following is not covered under A-Life Kritikal Protector: 1. Pre-existing Conditions prior to the Issue Date or Commencement Date, whichever is later; or 2. 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 3. 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 4. Critical illness was diagnosed directly or indirectly due to a congenital defect or disease which has manifested or was diagnosed before age 17; or 5. 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). 6. Critical Illness or Covered Surgery is caused directly from alcohol or drug abuse; or 7. Critical Illness or Covered Surgery is caused by a self-inflicted injury; or 8. Critical Illness or Covered Surgery if the Person Covered did not survive for at least fifteen (15) days after the diagnosis of a Critical Illness or undergoing of a Covered Surgery.

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