Terms & Conditions
Critical Moments, Critical Protection Campaign ("Campaign") is organised by AIA Bhd. (“AIA Malaysia”, “we”, “our” or “us”). By joining this Campaign, you (“you”, “your” or “customer”) agree that you have read, understood and agreed to be bound by the Terms and Conditions of this Campaign and by any change or modification that we may make to this Campaign and/or the Terms and Conditions of this Campaign with prior notice to you. By joining this Campaign, you further agree to be bound by our Privacy Policy accessible at https://www.aia.com.my/en/index/privacy-statement.html.
1. Campaign Period
1 January 2025 to 31 March 2025, both dates inclusive (“Campaign Period”). The Policy must be activated by 16 June 2025.
2. Eligible Product/Rider
Product
A-Life Beyond Critical Care, A-Life Essential Critical Care, A-Life Cancer360, A-Life Lady Rider
A-Plus Beyond Advance Care Coverage (“Eligible Products/Rider”)
Note: This product is underwritten by AIA Bhd.
3. Campaign Eligibility
The campaign is open to all customers (including Life Planners) who sign up for any of the Eligible Products/Rider during the Campaign Period and fulfils the Campaign requirements stated in the Terms & Conditions.
An existing customer is defined as follows (“Existing Customer”):
• A policy owner/certificate owner of an in-force Conventional Individual Life product from AIA Bhd. or Takaful product from AIA PUBLIC Takaful Bhd. or Personal Accident (PA) insurance with AIA General Berhad, as at 31 December 2024 for January 2025 submission; as at 31 January 2025 for February 2025 submission and as at 28 February 2025 for March 2025 submission.
• A corporate policy owner/certificate owner of an in force Conventional Group Employee Benefits Scheme from AIA Bhd. or Takaful Group Employee Benefits Scheme from AIA PUBLIC Takaful Bhd., or Group Personal Accident (PA) insurance with AIA General Berhad.
• An employee/member covered under Group Employee Benefits Scheme with an in force Conventional Group Employee Benefits Scheme from AIA Bhd. or Takaful Group Employee Benefits Scheme from AIA PUBLIC Takaful Bhd., or Group Personal Accident (PA) insurance with AIA General Berhad.
4. Campaign Mechanism
a) All applications must be submitted via iPoS between 1 January 2025 and 31 March 2025 and the policy must be activated by 16 June 2025.
b) Open for all payment modes (annual, semi-annual, quarterly and monthly).
c) Open for all premium payment terms.
d) Model premium of less than RM15,000 must opt for E-pay (credit card, debit card, e-pay online banking); whereas for modal premium of RM15,000 and above, all payment methods are acceptable.
e) The extra coverage amount on the Eligible Products/Rider will take effect upon successful issuance of the Eligible Products/Rider and is only applicable upon claim payout on any Critical Illness, Cancer or Female Illness Benefit under the Eligible Products/ Rider.
f) If the customer reduces to the coverage amount of the Eligible Products/Rider, the extra coverage percentage will be adjusted based on the revised coverage amount, unless the reduction of the coverage amount is due to claim approved by AIA. Any increase in the coverage amount will not result in a higher extra coverage percentage or amount.
g) The policy will be disqualified from this Campaign in the event of lapsed, surrender, termination, or cancellation of the Eligible Product/Rider, the Eligible Product/Rider has been converted to Reduced Paid-Up Insurance or the coverage amount of the Eligible Product/Rider is reduced to below RM100,000 unless the reduction of the coverage amount is due to claim approved by AIA, during the coverage term of the policy.
5. Important Notes and Disclaimers
a. This material is not intended as an offer or solicitation for the purpose or sale of any financial instrument/product. You should satisfy yourself that the policy purchased will best serve your needs and that the premium payable under this policy is an amount that you can afford. To achieve this, we recommend that you speak to your Life Planner who will perform a needs analysis and assist you in making an informed decision.
b. You are advised to refer to the Product Disclosure Sheet, Sales Illustration, Fund Fact Sheet(s) (if any), for further information before purchasing an insurance policy, and to refer to the terms and conditions in the policy document for details of the features and benefits, waiting periods and exclusions under the policy.
6. General Provisions
a)You are always solely responsible for maintaining the accuracy of your information. AIA may request for further information from you to determine the authenticity of any information provided, including whether it is fraudulent or exaggerated.
b) AIA may decline the extra coverage entitlement in the event any of the Terms and Conditions pursuant to this Campaign is not fulfilled. No appeal(s) will be entertained.
c) AIA shall have the right to amend the Terms and Conditions of this Campaign, and to suspend, terminate, delay or vary this Campaign with prior notice to you. The mode of notification (if any) of the amendment, suspension, termination, delay or variation shall be at AIA's discretion, including but not limited to displaying the same in any of AIA's website or social media sites.The terms and conditions of the Campaign are subject to change and the decision of AIA on any matter concerning these terms and conditions are final.