PelanTakaful

Critical Illness

A-Life Sejahtera: Critical Illness & Family Protection

A-Life Sejahtera is a Shariah-compliant takaful plan that provides 3-in-1 protection for critical illness, death and Total and Permanent Disability (TPD), together with optional extra benefits that can be considered by need.

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A-Life Sejahtera poster, a critical illness and family takaful plan

Basic Framework

3-in-1 Comprehensive Protection

The basic cover is structured around three main situations. This is the plan framework, not a promise that three full payouts can always be claimed separately.

45 Critical Illnesses

A lump-sum benefit may be considered if the Person Covered is diagnosed with one of the 45 covered critical illnesses, subject to the certificate definitions and terms.

Death

A death benefit is part of the basic structure and can support family financial planning, subject to nomination and the official documents.

Total and Permanent Disability (TPD)

TPD is included in the basic cover when the official definition is met, subject to terms, exclusions and underwriting.

A claim for the 45 critical illnesses, death or TPD may reduce the basic coverage amount. The certificate is usually terminated after 100% of the coverage amount has been claimed. For angioplasty and other invasive treatments for coronary artery disease, the amount payable is limited under the product terms.

Additional Benefit

Critical Illness Recovery Benefit

The recovery benefit may be payable in addition to the basic cover if the Person Covered is diagnosed with one of the three stated conditions, subject to product eligibility.

Covered diagnoses for this benefit

  • Stroke
  • Cancer
  • Heart Attack

  1. 01

    First 5 certificate years

    20% of the basic coverage amount

    The initial additional recovery percentage, subject to certificate terms.

  2. 02

    Every 5 years after that

    +5% every 5 years

    The percentage may increase according to the product schedule, not automatically without conditions.

This benefit applies only to the covered diagnoses and remains subject to waiting periods, medical definitions and the official documents.

AIA Vitality

Increase Protection With AIA Vitality

Eligible AIA Vitality members may receive additional protection through Vitality Protect Booster when a covered claim occurs.

May apply to claims related to

  • 45 Critical Illnesses
  • Death
  • TPD

Vitality Protect Booster applies only to AIA Vitality members. A higher status may offer more room for the benefit, up to the product maximum. This is not a guaranteed increase for every member.

Family

Protection for You and Your Family

Besides critical illness, A-Life Sejahtera also includes death and TPD protection as part of its basic structure.

The death benefit can form part of family financial planning, subject to the relevant nomination, hibah or benefit-distribution arrangement.

This is not a hibah page. How a benefit is distributed depends on the official arrangement that is confirmed, not on a general assumption.

Options

Optional Extra Protection

A few optional riders may be considered with the basic plan. This is an early summary, not a full terms list.

A-Plus Safar

Additional protection related to Hajj/Umrah and the related benefits stated in the product materials.

A-Plus Infaq

Additional protection that may be directed to charity or Waqf according to the selected arrangement.

A-Plus Accident Shield-i

More basic personal accident protection, subject to the rider scope.

A-Plus Accident ShieldExtra-i

More comprehensive personal accident protection than the basic option, subject to official terms.

A-Plus ParentWaiver-i

A contribution waiver for a child's certificate under covered circumstances, subject to terms and the applicable illness list.

Charity

Protection With a Charitable Purpose

A-Life Sejahtera also leaves room for charitable value through surplus donation and the A-Plus Infaq rider.

  • Any surplus that may be received can be donated to the stated charity fund, if that option is chosen.
  • The optional A-Plus Infaq rider can provide additional cover for charitable or Waqf purposes.
  • Participation, percentages and payment remain subject to official terms and the selected charity partner.

At a Glance

A-Life Sejahtera Summary

Benefit summary for A-Life Sejahtera

This visual summary is provided to make the first reading easier. Actual benefits remain subject to terms, conditions, exclusions, waiting periods and the official product documents.

Covered List

45 Covered Critical Illnesses

These are the medical names of the 45 critical illnesses stated in the brochure. Each diagnosis remains subject to the definitions, severity and exclusions in the certificate.

View the 45 critical illnesses
  1. 1.Stroke
  2. 2.Cancer
  3. 3.Heart Attack
  4. 4.Coronary Artery By-Pass Surgery
  5. 5.Serious Coronary Artery Disease
  6. 6.Angioplasty And Other Invasive Treatments for Coronary Artery Disease
  7. 7.Heart Valve Surgery
  8. 8.Fulminant Viral Hepatitis
  9. 9.End Stage Liver Failure
  10. 10.Primary Pulmonary Arterial Hypertension
  11. 11.End Stage Lung Disease
  12. 12.Kidney Failure
  13. 13.Surgery to Aorta
  14. 14.Chronic Aplastic Anaemia
  15. 15.Major Organ / Bone Marrow Transplant
  16. 16.Blindness
  17. 17.Deafness
  18. 18.Loss of Speech
  19. 19.Coma
  20. 20.Third Degree Burn
  21. 21.Multiple Sclerosis
  22. 22.Paralysis of Limbs
  23. 23.Muscular Dystrophy
  24. 24.Alzheimer's Disease / Severe Dementia
  25. 25.Motor Neuron Disease
  26. 26.Parkinson's Disease
  27. 27.Terminal Illness
  28. 28.Encephalitis
  29. 29.Benign Brain Tumor
  30. 30.Major Head Trauma
  31. 31.Bacterial Meningitis
  32. 32.Medullary Cystic Disease
  33. 33.Brain Surgery
  34. 34.Loss of Independent Existence
  35. 35.HIV Infection Due to Blood Transfusion
  36. 36.Cardiomyopathy
  37. 37.Full Blown AIDS
  38. 38.Systemic Lupus Erythematosus with Severe Kidney Complications
  39. 39.Occupationally Acquired Human Immunodeficiency Virus (HIV) Infection
  40. 40.Poliomyelitis
  41. 41.Progressive Scleroderma
  42. 42.Apallic Syndrome
  43. 43.Chronic Relapsing Pancreatitis
  44. 44.Elephantiasis
  45. 45.Creutzfeldt-Jakob Disease (Mad Cow Disease)

These names are an early reference. Full definitions, covered stages and waiting periods must be read in the official documents. For A-Plus ParentWaiver-i, angioplasty is not included in the covered list.

This information is a summary for early explanation only. Actual benefits are subject to terms, conditions, exclusions, waiting periods, underwriting and the official product documents.