Table of Benefits

Notes: Benefits will be payable upon occurrence of death/TPD, accidental death/TPD, accidental death/TPD during Hajj or Umrah or Festive Seasons, critical illness, or maturity, whichever occurs first. Thereafter, the certificate shall terminate.  

• Complete protection with up to 3X coverage during critical moments.
  • Death/TPD Benefit
    In the event of you passed away or suffers from Total and Permanent Disability (TPD)¹, the benefit amount as specified in the Table of Benefits, plus the Account Value in Participant’s Account Fund (PAF) shall be payable.

• • Accidental Death/TPD Benefit
    In the event of you passed away due to accidental causes, the benefit amount as specified in the Table of Benefits, plus the Account Value in PAF shall be payable.

• • Accidental Death/TPD Benefit during Hajj or Umrah or Festive Seasons
    In the event of you passed away due to accidental causes during Hajj or Umrah² or Festive Seasons stated below, the benefit amount as specified in the Table of Benefits, plus the Account Value in PAF shall be payable.

The festive seasons shall follow the federal government declaration and not by state:

• • • First day and second day of Chinese New Year;
    • First day and second day of Hari Raya Aidilfitri;
    • First day of Deepavali;
    • First day of Christmas;
    • First day of Hari Gawai;
    • First day of Harvest Festival; and
    • Two (2) days immediately before and after any of the above festivals.

• Robust protection against 45 Critical Illnesses.
  • Critical Illness (CI) Benefit (only available for Plan 3 and Plan 4)

If you are diagnosed with any one of the 45 covered critical illnesses or undergo a covered surgery (except for Angioplasty and Other Invasive Treatments for Coronary Artery Disease), the benefit amount as specified in the Table of Benefits, plus the Account Value in PAF shall be payable.

For Angioplasty and Other Invasive Treatments for Coronary Artery Disease, 10% of the sum covered will be payable, subject to maximum of RM25,000 (limited to one payment only). This advance payment will reduce the sum covered of the plan.

However, coverage will continue for the remaining 44 critical illnesses with the reduced sum covered amount.

• Celebrate the maturity of the certificate
  • Maturity Benefit

Upon maturity, the benefit amount as specified in the Table of Benefits, plus the Account Value in PAF shall be payable.

• Grow your coverage by staying healthy with AIA Vitality
  • Vitality Protect Boost

Vitality Protect Boost is a reward for AIA Vitality members which increases their coverage for Death/TPD, Accidental Death/TPD, Accidental Death/TPD during Hajj or Umrah, or Festive Seasons, and Critical Illness benefits.

Starting from the 2nd year of your certificate, the coverage amount for these benefits will increase each year based on your AIA Vitality status, up to a maximum of 20% of the initial sum covered.

• Blessing beyond life with Badal Hajj benefit and the option to donate surplus for charity.
  • Badal Hajj/Funeral Expenses Benefit

If you are a Muslim aged 16 and above who has never performed Hajj, an additional 10% of your Sum Covered will be provided to your beneficiary to arrange for Badal Hajj upon your passing or accidental death. If you do not meet these criteria, the amount will be payable as a funeral expenses benefit.

• • Option to Donate Surplus for Charity

Donate your surplus to charity to create a better life for those less fortunate.

• Simplified enrollment with with Simplified Issuance Offer (SIO).

You can sign up quickly and easily—no lengthy health forms, no tests, and no waiting for medical approvals. Perfect for those who want coverage without stress or delays.

Notes:

¹ TPD coverage is provided up to age 70.

² Accidental Death during Hajj or Umrah Benefit only applies for Muslim person Covered and coverage is valid only for Hajj or Umrah (not for the other types of visits or travels outside of Saudi Arabia during that period)

Tabarru' (donation) - The contract applied among the Participants. It is the amount deducted from the Participant’s Account Fund and allocated into the Participants’ Risk Fund as a donation for the purpose of mutual help and assistance to fellow participants in need. The Tabarru’ rate is not guaranteed, and You may need to top up the Contribution if the Tabarru’ rate is revised.

Wakalah (agency) - The contract between the Participant and AIA PUBLIC Takaful Bhd. (as Takaful operator), where the Participant authorises AIA PUBLIC Takaful Bhd. to act on his or her behalf to conduct the affairs of Takaful operations which includes underwriting, investment, certificate servicing and claims processing. AIA PUBLIC Takaful Bhd. will take a portion of the Participant’s contribution as Wakalah Fee in return of these services. In performing the duties under the Wakalah contract, AIA PUBLIC Takaful Bhd. may further delegate or engage any third party to perform relevant task in takaful operations.

Mudarabah (profit sharing) - The contract between Participant and AIA PUBLIC Takaful Bhd., where Participant provides capital in the  Participant’s Account Fund to be managed or invested by AIA PUBLIC Takaful Bhd. where any Investment Profit arising from the Participant’s Account Fund is shared between the AIA PUBLIC Takaful Bhd. and Participant in the proportion of 20% and 80% respectively whilst any loss will be borne by the Participant up to the capital value. AIA PUBLIC Takaful Bhd. may further delegate or engage a third party to perform certain tasks that are relevant for the investment activities.

Ju'alah (performance incentive) - Means a reward contract between the Participant and AIA PUBLIC Takaful Bhd. whereby AIA PUBLIC Takaful Bhd. will be entitled to fifty percent (50%) of the Surplus arising from the Participants’ Risk Fund as Ujrah (performance fee) for managing the fund efficiently which result in the Surplus.

Qard (interest-free loan) - An interest-free loan provided by AIA PUBLIC Takaful Bhd. to the Participant Risk Fund (PRF) in the event it becomes deficit to enable it to pay Takaful benefit(s) to eligible Participants. This amount will be recovered from the PRF once the PRF becomes sufficient, before any distribution of surplus is made.

Conditional Hibah (gift) - The Participant will be entitled to fifty percent (50%) from the Participants’ Risk Fund as conditional Hibah, based on their Tabarru’ contribution, on the basis of Ju’alah. If the Person Covered passes away, the death benefit will be given to the nominated beneficiary as a conditional Hibah.

Participants’ Risk Fund (PRF) - PRF is the fund where Tabarru' (donation) is credited into for the purpose of providing mutual protection and meeting claims on the events/risks covered under the Takaful certificate. The actual amount of expenses incurred for direct claims related expenses (e.g. investigation cost) and investment cost directly attributable to PRF (e.g. transaction costs directly attributable to the acquisition of an investment asset of the takaful fund) will be charged to the PRF, as approved by our Shariah Committee. Please note that the expenses are charged at fund level and not to individual certificate.

Participant’s Account Fund (PAF) - The individual PAF is the fund whereby a portion of the contributions paid by the participants after the deduction of Wakalah fee are allocated. The Tabarru' of the basic plan and rider (if any) will be deducted from this fund. The actual amount of expenses incurred for investment cost directly attributable to PAF (e.g. transaction costs directly attributable to the acquisition of an investment asset of the takaful fund) will be charged to the PAF, as approved by our Shariah Committee. Please note that the expenses are charged at fund level and not to individual certificate.

Death Benefit Exclusions

Any death arising from the occurrence of the following is not covered:

• • • Death due to suicide within 12 months from issue date or commencement date or reinstatement date, whichever is later.

Total and Permanently Disability (TPD) Exclusions

Any TPD arising from the occurrence of the following is not covered:

• • • Willful exposure to danger or self-inflicted act while sane or insane;
    •  Assault or murder or due to war (declared or undeclared), revolution, riot and civil commotion, industrial action or terrorist activity;
    • 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;
    • 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.

Accidental Death/TPD Exclusions

Any accidental death/TPD arising from the occurrence of the following is not covered under Accidental Death/TPD Benefit, Accidental Death/TPD Benefit during Hajj or Umrah or Festive Seasons:

• • • Willful exposure to danger or attempted self-destruction or self-inflicted act while sane or insane;
    • Assault or murder or due to war (declared or undeclared), revolution, riot and civil commotion, industrial action or terrorist activity;
    • Service in the armed forces in time of declared or undeclared war or while under orders for warlike operations or restoration of public order;
    • Making an arrest as an officer of the law;
    • Wrongful act such as violation or attempted violation of the law or resistance to arrest, participating in any fight, affray, racing on horses, wheels or accidents due to intoxication of alcohol or drugs;
    • Hernia, ptomaines or bacterial infection (except pyogenic infection which shall occur with and through an accidental cut or wound);
    • The intentional or negligent inhalation or consumption of poison, gases or noxious fumes; 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.

Critical Illness Benefit Exclusions

Any critical illnesses arising from the occurrence of the following is not covered:

• • • 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).
    • Critical Illness or Covered Surgery is caused directly from alcohol or drug abuse; or
    • Critical Illness or Covered Surgery 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 603-2170 8000 or visit any of our branches for more information!