Terms & Conditions

Sepakat Membawa Berkat Campaign ("Campaign") is organised by AIA PUBLIC Takaful Bhd. (“AIA PUBLIC”, “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 certificate must be activated by 15 April 2025.

2.  Eligible Products

Note: These products are underwritten by AIA PUBLIC Takaful Bhd.

Certificate owners who have at least one Eligible Product are referred to as “Eligible

Customers”.

3. Campaign Reward

Customers who sign up for any of the Eligible Products and fulfil all the requirements in the Campaign Eligibility and Campaign Mechanism sections will be entitled to the following rewards:

 (i)    Amal Jariah: RM10 cash reward in AIA+ Wallet with no minimum annualised contribution (ANC) required when customer opt in for surplus donation and RM10 into Tabung Penyala Harapan; and 

(ii) Ganjaran Emas: Get up to 2 unit of 4.25g (1 Dinar) 999.9 gold as per Table 5.2 if the minimum ANC criteria is met. 

(iii) Participate in Cabutan Rezeki Raya when the ANC of the Eligible Product is at least RM5,000. Every RM1,000 ANC will earn 1 entry and only per certificate non combinable across certificate.

Table 3.1 

Amal Jariah: Campaign Requirements and Rewards

Table 3.2

Ganjaran Emas: Campaign Requirements and Rewards (Gift Reward)

Table 3.3 

Cabutan Rezeki Bulanan: Campaign Requirements and Rewards 

Cabutan Rezeki Raya: Campaign Requirements and Rewards

4.Campaign Eligibility

a.The campaign is open to all customers (including Life Planners) who sign up any of the Eligible Products during the Campaign Period and fulfils the Campaign requirements stated in these Terms & Conditions.

b. Life Planner self-participation means that the certificate owner and/or the person covered is a Life Planner. Life Planner self-participation is only valid for submissions between 1 January 2025 and 31 January 2025, both dates inclusive. Certificates must be activated by 17 February 2025.

5. Campaign Mechanism 

Section (i): General (Applicable to Amal Jariah, Ganjaran Emas and Cabutan Rezeki Raya)

a) All applications must be submitted between 1 January 2025 and 31 March 2025 and the certificate must be activated by 15 April 2025.

b) Open for all payment modes (annual, semi-annual, quarterly and monthly).

c) Open for all contribution payment terms.

dAIA Vitality membership is required for Ganjaran Emas and Cabutan Rezeki Raya as per table below. AIA Vitality membership must be signed up or activated upon new application submission and must remain active prior to and upon the fulfilment of the Gifts.

*Juvenile applications (applicable to person covered from 14 days old to 15 years old) under these products are NOT required to join AIA Vitality membership to participate in this Campaign because AIA Vitality membership is only open for person covered aged 16 years old and above.

e)If the Eligible Customer makes any changes or transactions (e.g. increase of sum covered or addition of riders) to the Eligible Product which require additional contribution during this Campaign Period and/or before the fulfilment of the Gift Reward, the additional contribution will not be calculated in the Gift Rewards entitlement.  

f)If the Eligible Customer reduces the contribution, the Gift Reward shall be based on the reduced contribution provided the reduced contribution meets the minimum annualised contribution criteria.

g) In the event of free-look cancellation, the Gift Reward entitlement will be forfeited.

Section (ii): Applicable to Amal Jariah

a) No minimum annualised contribution is required to enrol in this campaign. Refer to Campaign Reward section for more details.

b)The Eligible Product must be paid via E-Pay (credit card, debit card and e-pay online banking) for all modal contribution amount. 

For A-Life Sejuta Makna where the Customer is a business organisation, the credit card used must be registered under the business organisation. A copy of the business credit card information must be submitted for verification upon submission.

c) For every certificate signed up, AIA PUBLIC Takaful Bhd. will donate RM2 to Tabung Penyala Harapan. The company will contribute an additional RM8 to Tabung Penyala Harapan for customers who opt in for surplus donation. To show appreciation, customers opting for surplus donation will also receive a RM10 cash reward in AIA+ Wallet.

d) Eligible Customers who are eligible for Cash Reward will have the Cash Reward credited into their AIA+ Wallet by 30 April 2025.

Section (iii): Applicable to Ganjaran Emas and Cabutan Rezeki Raya

a)A minimum annualised contribution of RM3,000 is required for the Ganjaran Emas entitlement and a minimum annualised contribution of RM5,000 is required for the Cabutan Rezeki Raya. Refer to Campaign Reward section for more details.

b)The calculation of minimum ANC to be entitled for the Gift/Cash Reward is based on the total contribution amount inclusive of A-Plus Saver-i, A-Plus Legasi Enhancer, A-Plus Health Enhancer, A-Plus Enhancer-i and any rider contribution. AIA Vitality membership fees are excluded.

c)The Eligible Product must be paid via credit card or e-pay online banking for all modal contribution amount. 

For A-Life Sejuta Makna where the Customer is a business organisation, the credit card used must be registered under the business organisation. A copy of the business credit card information must be submitted for verification upon submission.

d) For Total Wealth Solution products except A-Life Sejuta Makna, the selection of funds must always be fully within the list of AIA Investment-linked funds in the table below before the fulfilment of the Gift Reward. Any combination of these listed funds is permitted, as long as the total allocation equals 100%. Fund switching within this list is permitted. Selection of any funds outside of this list will result in a forfeiture of the Gift Reward.

e)The person covered or certificate owner must ensure that the Eligible Product meets all the Campaign requirements prior to and upon the fulfilment of the Gift Reward including but not limited to the minimum annualised contribution criteria, Investment-Linked Fund criteria for Total Wealth Solution products, payment method criteria and others.

f)The Eligible Product will be disqualified from the Gift Reward entitlement if during this Campaign Period and/or before the fulfilment of the Gift Reward, any of the Terms and Conditions set out in this document is not met, or if any of the event listed below occurs: 

·       Lapse, surrender, termination, cancellation of the Eligible Product;

·       Partial withdrawal; 

·       Contribution holiday; 

·       Contribution not paid up to date;

·       Lapsed but reinstated; or 

·       Deferment of contribution payment

g) The Gift Reward under Ganjaran Emas will be delivered after 6 months after the activation date of the Eligible Product as per AIA PUBLIC’s record.

h) The Gift Reward under Cabutan Rezeki Raya, the Selected Winners will be contacted via email and required to answer a few questions. Announcement of winners will be in May 2025.

i)The Eligible Customers who selected for Cash Reward under the Cabutan Rezeki Raya will receive the Touch ‘n Go Reload Pin as the Cash Reward via AIA+ on the respective dates as stated below.

 i.     Entries submitted from 1 January 2025 to 31 January 2025: 28 February 2025

ii.     Entries submitted from 1 February 2025 to 28 February 2025: 31 March 2025 

iii.     Entries submitted from 1 March 2025 to 31 March 2025: 30 April 2025

iv.     Entries submitted from 1 January 2025 to 31 March 2025: 31 May 2025 

j) The Eligible Customers are required to download the AIA+ app and register for an AIA+ account (if they do not have an AIA+ account). The Eligible Customers will be notified about their Gift or Cash Reward entitlement via the AIA+ app.

k)     Delivery of the Gift Reward under Ganjaran Emas and Cabutan Rezeki Raya is limited to within Malaysia. 

l)      The Eligible Customers agree and authorise AIA PUBLIC to disclose their personal information (including but not limited to name, NRIC number, mailing address, contact number and email address) to the vendor/distributor/agent who would then contact the Eligible Customers regarding the delivery of their Gift. The Eligible Customers shall be responsible to make the necessary arrangements with the vendor/distributor/agent for the delivery and/or collection of the Gift. All taxes, charges and incidental costs in this regard shall be borne by the Eligible Customers.

m)   AIA PUBLIC shall not be liable for any loss or damage that occurs to the Gift during the delivery process.

n)    AIA PUBLIC reserves the right to substitute the Gift with an item of a similar value, depending on availability at any time without prior notice.

o)    AIA PUBLIC shall not be responsible for any loss, damage, delay, tampering, theft, or modification of the Gift once it has been provided to the Eligible Customers. AIA shall be released and fully discharged from further liability and demand in relation to the Gift.

p)    AIA PUBLIC is not the distributor of the Gift and makes no warranty or representation as to the quality or merchantability of the Gift provided and shall not be responsible for any defect or any other loss or damage that may be suffered in connection with the Gift. Any dispute over the Gift provided by the distributor of the Gift should be resolved directly between the Eligible Customers and the distributor of the Gift.

q)    AIA PUBLIC may extend the timeline and methods of delivery of the Gift or Cash Reward at their discretion.

r)      The Eligible Customers may contact AIA PUBLIC here for enquiries.

6.    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 certificate participated in will best serve your needs and that the contribution payable under the certificate is an amount that you can afford. To achieve this, we recommend that you speak to your AIA Life Planner who will perform a needs analysis and assist you in making an informed decision. You may also contact AIA directly for more information.

b.       You are advised to refer to the Product Disclosure Sheet, Product Illustration, Fund Fact Sheet(s); if applicable, for further information before participating in a certificate, and to refer to the terms and conditions in the certificate document for details of the features and benefits, waiting periods and exclusions under the certificate. Unless stated otherwise, words denoting one gender include all other genders and words denoting the singular include the plural and vice versa.

7.   General Provisions

a)      You are always solely responsible for maintaining the accuracy of your information. AIA PUBLIC may request for further information from you to determine the authenticity of any information provided, including whether it is fraudulent or exaggerated. 

b)      AIA PUBLIC may decline the Gift/Cash Reward 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 PUBLIC shall have the right to decide all matters, and disputes concerning this Campaign including substituting the Gift/Cash Reward with other form of gifts/rewards of equivalent value.

d)      AIA PUBLIC 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.

e)      The Gift/Cash Rewards are non-transferable. Any request for the Gift to be delivered to a third-party or for the Cash Reward to be credited to a third-party account will not be entertained.

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.