- 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.
- Critical illness Coverage
- 45 types of critical illness
- Sum Assured
- Coverage Term
- Up to 60 & 70 years old
- Entry Age
- 14 days - 60 years old
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
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
Enhance your protection by attaching the available riders
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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