AIA A-Life Lady360 Lady Insurance Plan

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AIA A-Life Lady360 Lady Insurance Plan

This AIA A-Life Lady360 is a lady insurance plan. It covers female cancers, pregnancynewborn baby, retirement needs as well as certain medical treatments. This plan is a customized insurance plan for women. This plan is underwritten and issued by AIA Malaysia.

This plan is for women who can be single, married, with children or entering menopause or retiring. The proceeds from this plan give the modern woman financial protection for female critical illnesses, complications, newborn babies and children with birth defects, disability and retirement needs.

The plan covers up to 80 years old. Plan entry age is from 16 to 45 years old. Coverage amount ranges from RM50,000 to RM300,000.

AIA A-Life Lady360 Waiting Periods

Most insurance plans and policies have waiting periods. This is about any signs or symptoms of the disease condition for the covered conditions. From signup to appearance of the signs and symptoms of the health conditions.

If the disease signs or symptoms appear during the waiting period, then the benefit will most likely not be given. So the advice is to get this coverage as soon as possible to avoid the waiting period impact.

Coverage & Waiting Period
  • Female Cancer - 60 days

  • SLE with Severe Kidney Complications - 30 days

  • Female Care Benefit  - 60 days

  • Menopause Treatment - 1 year

  • Pregnancy Benefit - 1 year

AIA A-Life Lady360 Basic Life Benefit

The basic benefit is death or total and permanent disability (TPD) where 100% of coverage amount or cash value is given. Which ever amount higher is given.

AIA A-Life Lady360 Female Cancer Coverage

The following female cancers are covered

On diagnosis of early stage cancer with carcinoma in situ. 50% of the coverage amount is paid out. This coverage is reset to 100%, 12 months after diagnosis. There are other payout situations.

Systemic Lupus Erythematosus (SLE)

This autoimmune disease affects more women than men. This AIA A-Life Lady360 is one of the AIA insurance plans that cover for complications from this disease.

AIA A-Life Lady360 Female Care Benefit

This plan provides financial coverage for the following treatments specific for woman:

  • Removal of Female Organs

  • Reconstructive Surgery of Female Organs

  • Osteoporotic Fracture of the Hip or Vertebrae

  • Severe Rheumatoid Arthritis

  • Facial Reconstructive Surgery due to accident or cancer

  • Skin Grafting due to accident or cancer

  • Medical Complications due to elective cosmetic surgery

  • Menopause treatment

  • Psychotherapy Treatment

The level of coverage differs by condition. Ask your life planner for details on this.

AIA A-Life Lady360 Pregnancy Benefits

AIA A-Life Lady360 plan covers for the following pregnancy situations. This coverage is up to the age of 45:

  • Disseminated Intravascular Coagulation

  • Molar Pregnancy

  • Ectopic Pregnancy

  • Eclampsia

  • Late Miscarriage

  • Death of Foetus

  • Abruptio Placentae

  • Amniotic Fluid Embolism

  • Acute Fatty Liver of Pregnancy (AFLP) during pregnancy

  • Placenta Increta/Perceta

Know that these conditions are a possibility and that’s why the pregnant lady needs to have regular medical checkups with the doctor. The doctors can detect these conditions if they occur.

And take steps to manage these conditions. Keep an eye on the insurance plan waiting periods. For pregnancy benefits, its one year. AIA is there for you with coverage to get an early start for these situations. Ask you life planner of the full maternity, pregnancy coverage and plans details.

AIA Baby Care Benefits

This insurance plan also enables the A-Life Joy 2 or A-Plus BabyCare insurance option. These 2 options provide insurance cover for birth defects (congenital birth defects) and newborn baby issues such as insurance for jaundice. Read more on the specific insurance plans of these products here.

Other AIA A-Life Lady360 Plan Benefits

There are many other benefits with this AIA plan. There is a marriage reward, childbirth reward and golden age reward.

There are discounts or cash bonuses on the insurance costs or premiums. If you participate in the AIA Vitality program, get the A-Life Joy 2 or A-Plus BabyCare plans.

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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