AIA 39 Critical Illnesses Insurance Plans Malaysia

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Critical Illness Insurance Plan Coverage Protection

Influenza A Insurance Coverage
For the Influenza A and Influenza like illnesses (ILI), these are covered by AIA medical insurance per the terms of the plan bought by the policyholder. It is considered as a hospitalization medical insurance.
This Critical Illness Insurance Plans Covers:
  • This critical care illness insurance plans covers 39 critical illnesses in Malaysia. 

  • This plan covers up to the age of 70 years old.

  • This insurance pays out on diagnosis of the listed disease.

    • And if you survive at least 15 days from diagnosis date or the covered surgery

  • A lump sum payment is paid for 100% of covered amount with an exception.

    • The exception is for Angioplasty and Invasive treatments for Coronary Artery Disease.

    • 10% of amount covered will be paid subject to a maximum of RM25,000 one time payment.

    • The plan coverage amount will be reduced by the amount paid out.

You can use these Proceeds to Cover:
  • Living expenses

  • Top up medical expenses

  • Pass on to your beneficiary to use.

The Qualification to get this Plan is:
  • Malaysians between the age of 16 to 55.

  • Subject to underwriting requirements.

    • Inform us of all facts to your medical conditions

    • State your age correctly

  • Exclusions

    • The illness appears during the waiting period

    • Illness comes from pre-existing condition

AIA 39 Critical Illness Plans Waiting Periods
  • 60 Days Waiting Period

    • Cancer

    • Heart Attack

    • Coronary Artery Bypass Surgery

    • Serious Coronary Artery Disease

    • Angioplasty

    • Other Invasive Treatments for Coronary Artery Disease

  • 30 Days Waiting Period

    • The rest of the critical illnesses on the list below

The Critical Illness Plan Coverage Amounts are:
  • RM50,000

  • RM100,000

  • RM150,000

  • RM200,000

  • RM250,000

AIA Critical Illness Plan Cost
  • AIA has a range of low to high premiums to cover the cost of this insurance. 

  • You can customize it to fit your budget for your family. 

AIA 39 Critical Illness List
Brain and nervous system
1) Stroke
2) Alzheimer’s Disease / Severe Dementia
3) Parkinson’s Disease
4) Benign Brain Tumor
5) Brain Surgery
6) Bacterial Meningitis
7) Encephalitis
loss of body senses or muscle functions
1) Blindness
2) Loss Of Speech
3) Loss of Hearing or Deafness
4) Paralysis of Limbs
5) Muscular Dystrophy
6) Multiple Sclerosis
7) Motor Neuron Disease
8) Loss of Independent Existence
bone marrow
1) Aplastic Anaemia
2) Major Organ/Bone Marrow Transplant
heart and blood system
1) Primary Pulmonary Arterial Hypertension
2) Surgery to Aorta
3) Heart Valve Surgery
4) Cardiomyopathy
5) Heart Attack
6) Angioplasty
7) Serious Coronary Artery Disease
8) Coronary Artery Bypass Surgery
hiv infection and aids
HIV Infection Due To Blood Transfusion
Occupationally Acquired HIV Infection
Medullary Cystic Disease
Kidney Failure
End Stage Liver Failure
Fulminant Viral Hepatitis
medical conditions due to accidents
Head Trauma
Major Burns
other severe diseases
Terminal Illness
Cancer of Specified Severity and Not Covering Very Early Stage Cancer
End Stage Lung Disease
Systemic Lupus Erythematosus with Severe Kidney Complications

Contact our AIA Life Planning Advisor to get in touch with us and start your personal coverage or choose your plan now. Get covered correctly. Be advised correctly. Call today to be advised on the best insurance protection personalized for you. Or send us the form below on your interest.

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       (+6018) 781-5644

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