PB Term CI-i

PB Term CI-i is designed to provide you with financial assistance in relation to your financing if you suffer from any of the 39 critical illnesses, so that you can focus on your recovery.
This product is created exclusively for Public Islamic Bank financing customers.
Why Should You Protect Your Home Financing with PB Term CI-i?
  • Protection Against Critical Illnesses
  • If you are diagnosed with a critical illness, this plan will pay the coverage amount directly to the bank to provide you financial assistance for your financing.
  • 3 Options to Suit Your Needs
  • There are 3 choices of coverage amount available to suit your protection needs. You can choose to be covered for RM50,000, RM100,000 or RM200,000.
  • Flexible Contribution Payment Options
  • You have the flexibility of paying the contribution yourself or by obtaining financial assistance from the bank.
Who is eligible to participate in PB Term CI-i?
This plan is available for individuals aged between 18 years old up to 55 years old who participates in Mortgage Reducing Term Takaful. The coverage term of this plan varies based on the entry age as shown in the table below.

Entry Age Coverage Term
18 - 44 years old 15 years
45 - 55 years old 10 years

What are the major exclusions for PB Term CI-i?
This plan does not cover any critical illness caused by or resulted from:
  1. any illness or surgery other than a diagnosis of or surgery for a Critical Illness;  

  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 sixty (60) days following the issue date of the Takaful Certificate;  

  3. any other Critical Illness for which the signs or symptoms first occurred within thirty (30) days following the issue date of the Takaful Certificate; 

  4. any Critical Illness diagnosed due, directly or indirectly, to a congenital defect or disease which has manifested or was diagnosed before the Person Covered attains seventeen (17) years of age;

  5. any pre-existing conditions prior to the issue date of the Takaful Certificate;

  6. the diagnosis of Fulminant Viral Hepatitis, Cancer, Encephalitis, Bacterial Meningitis, Alzheimer's Disease/ Severe Dementia or Terminal Illness of the Person Covered where in AIA PUBLIC Takaful Bhd.’s opinion, was directly or indirectly due to an Acquired Immune Deficiency Syndrome (AIDS) or infection by any Human Immunodeficiency Virus (HIV). AIA PUBLIC Takaful Bhd. reserves the right to require the Person Covered to undergo a blood test for HIV as a condition precedent to any acceptance of any claim; or  

  7. any of the Critical Illnesses or covered surgeries that is caused by a self-inflicted injury.

The description, benefits, exclusions, terms and conditions described above have been summarized and are not exhaustive. For a detailed explanation on its benefits, terms and conditions and exclusions, please refer to the Takaful Certificate.
 To find out more, call us now at toll free number 1-800-22-9999 or visit any of our branches for more information!

This plan is underwritten by AIA PUBLIC Takaful Bhd., Takaful Operator licensed under the Islamic Financial Services Act 2013 and regulated by Bank Negara Malaysia.

Contact details: AIA PUBLIC Takaful Bhd. (935955-M), Menara AIA, 99 Jalan Ampang, 50450 Kuala Lumpur.
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