A-Plus Health360 is an optional rider attachable to regular premium investment-linked plans, underwritten by AIA Bhd.
This brochure contains only a summary of the main features of the rider and is not exhaustive. It does not constitute a policy. You are advised to refer to the Sales Illustration and Product Disclosure Sheet for more details of the rider before purchasing, and refer to the terms and conditions in the policy for details of the features and benefits, exclusions and waiting periods under the policy.
Buying life insurance is a long-term financial commitment. You should satisfy yourself that the policy (including riders, if any) will best serve your needs and that the premium payable under the policy is an amount you can afford. To achieve this, we recommend that you speak to your Life Planner to perform a needs analysis and assist you in making an informed decision. You may also contact AIA Bhd. directly for more information.
You have the right to cancel the rider by giving AIA Bhd. a written notice. Such notice must be received directly by AIA Bhd. within 15 days after your e-policy contract being made available on AIA’s customer portal. Insurance charges which may have been incurred for this rider will be refunded to you. If in your application, you have selected to receive a hardcopy of your policy contract, such notice must be given within 15 days after you receive your policy contract.
The Cost of Insurance for this plan is not guaranteed and AIA Bhd. may revise the Cost of Insurance by giving you 30 days’ prior notice before your next policy anniversary. In the event of revision of Cost of Insurance, you are required to pay additional premium.
Please note that if you decide to proceed with the treatment plan as recommended by our service provider, Teladoc, the cost of medical treatment may or may not be covered. You are advised to confirm your coverage with the Company before performing the treatment.
The premium paid for the basic policy to which this rider is attached, which is inclusive of the premium apportioned to this rider may qualify you for an individual tax relief, subject to final decision of the Inland Revenue Board of Malaysia (LHDN).
Please note that premiums paid by organisations are subject to the applicable tax imposed by the Government of Malaysia at the prevailing rate.
Should you require more information about medical and health insurance, you may also refer to the introductory guide on “Medical and Health Insurance” via www.liam.org.my.
It may not be advantageous to switch from one insurance plan to another, as you may be subject to new underwriting requirements and waiting periods for the new plan.
AIA Vitality is a programme that supports and rewards its members for making healthier choices every day and is offered by AIA Health Services Sdn. Bhd. (199601016211 (388561-T)). Please visit https://www.aia.com.my/en/aia-vitality.html for further information