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• Potential Growth on Funds Invested
  • You can enjoy potential investment gains via AIA PUBLIC Takaful Investment-Linked Funds.

• Investment and Protection in One Plan
  • With just a one-time contribution payment, you get coverage up to 100 years old¹.
  • In the event of death or TPD of the Person Covered, the amount payable shall be the higher of the following:

1. 1. 1. Sum Covered + 100% Top-Ups – 100% Withdrawal; or
      2. Account Value; or
      3. RM 5,000
      4. Sum Covered is equivalent to:

Note: The sum covered classification is based on the response to the underwriting questions.

• Upon
• Upon maturity of the Certificate, the amount payable shall be the Account Value based on the bid price established on the valuation date immediately after the Maturity Date.

• Investment Flexibility
  • You have the option to invest more² when you have extra money or withdraw³ the money when you need it.
  • You can enjoy the flexibility in switching your funds at any time according to your risk tolerance level⁴.

• Simple Enrolment
  • Only answer 4 simplified underwriting⁵ questions upon enrolment with a minimum single Contribution amount of RM 8,000.

Notes:

⁺For TPD : entry age is up to age 64.
¹Death coverage is up to age 100 years old of the Person Covered, while TPD coverage is up to age 65 years old of the Person Covered.
²The participant may contribute any Ad hoc top-up at any time after Certificate inception with a minimum amount of RM 500.
³Referring to partial withdrawal facility – the minimum withdrawal amount is RM 1,000 and subject to the minimum balance of RM 5,000 of Account Value.
⁴Referring to fund switching facility.
⁵Please refer to Proposal Form on the underwriting questions.

Contribution paid by you will be divided into:  

1. Unallocated Contribution
   • This amount refers to the Wakalah Fee and Certificate Fee. It is used to meet AIA PUBLIC Takaful’s expenses and direct distribution cost.

2. Allocated Contribution
   • This amount will be used to purchase the units of your preferred Investment-Linked Fund(s).

* To be allowable after Certificate inception.
 

Note: The Allocated Contribution is equivalent to the Contribution paid less Unallocated Contribution

1. The Wakalah Fee is an upfront charge of 5% on the Single Contribution / ad hoc top up paid and used to meet AIA PUBLIC Takaful’s management expenses and direct distribution cost. This amount is inclusive of 3.75% commission payable to the Bank and other expenses.
   
   • Other expenses include stamp duty of RM 10.

2. Certificate Fee is a one-off charge for administration cost of the Certificate. The amount payable from Your Single Contribution is RM 100.
3. Monthly Service Charge is deducted monthly from the value of the units in Participant's Investment Fund (PIF) and credited in to the Takaful Operator's Fund for the administration costs. The amount payable is RM 2.
4. Tabarru' is deducted monthly from the value of the units in PIF and credited in to the Participants Risk Fund (PRF) for the Takaful coverage. It is vary depending on the attained age, gender, occupation, medical rating and smoking status.
5. Fund Management Charge covers the administration costs of investing and managing investment-linked fund chosen.

*Chargeable as a percentage of the net asset value 

6. Fund Switching Fee covers the administration costs of switching the investment in one Fund to another. The current Fund Switching Fee is free. However, AIA PUBLIC Takaful reserves the right to remove the free switches and/or revise the switching fee from time to time by giving at least 3 months’ notice to you.

You may choose to invest in any combination of the AIA PUBLIC Takaful Investment-Linked Funds depending on your investment objectives and risk level. You also have the flexibility to switch between the different combinations of the AIA PUBLIC Takaful Investment-Linked Funds to suit your changing needs.

Below are the descriptions of the AIA PUBLIC Takaful Investment-Linked Funds:

This is a Takaful product that is tied to the performance of the underlying assets and is not a pure investment product such as unit trusts.

*Age nearest birthday

The major exclusions are stated as below:

1. Death due to suicide while sane or insane within 1 year from the Issue Date or Commencement Date, whichever is later. AIA PUBLIC Takaful's liability shall be limited to the refund of the Account Value. Thereafter, the Certificate shall be terminated.
2. Any TPD arising from the occurrence of the following:
   1. Willful exposure to danger or attempted self-destruction or self-inflicted injuries while sane or insane; or
   2. Services in any armed forces in time of declared or undeclared war or while under orders for warlike operations or restoration of public order; or
   3. 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
   4. Any congenital defect which has manifested or was diagnosed before age 17; or
   5. For a disability resulting from a physical or mental condition which existed before the Issue Date or Commencement Date, whichever is later, which was not disclosed in the application or health statement.

You may cancel your coverage at any time with a written notice to AIA PUBLIC Takaful Bhd.

Sign up today and get protected. To find out more, please contact the One Stop Contact Centre at 603-2170 8000.