AIA – Cover & Menang

Terms & Conditions

  1. General

This Cover & Menang Campaign (“Campaign”) is organised by AIA Bhd., AIA PUBLIC Takaful Bhd. and AIA General Berhad (“AIA”, “we”, “our” or “us”). By joining this Campaign, you (“you”, “your” or “customer”) acknowledge  that you have read, understood, and agreed to be bound by the T&C. Terms and Conditions   of this Campaign, and by any change or modification that we may make to this Campaign and/or the T&C. 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, which may be updated  from time to time. The Privacy Policy is available  at https://www.aia.com.my/en/index/privacystatement.html      .

  1. Campaign Period

The Campaign runs from 8 July 2026 to 30 September 2026, both dates inclusive (“Campaign Period”). Policies/Certificates must be activated by 31 October 2026.

  1. Eligible Products

This Campaign applies to products distributed by AIA Life Planner under any of the following categories (“Eligible Products”):

  1. Life Protection
  2. Medical Protection
  3. Critical Illness Protection
  4. Savings & Investment
  5. Accident Protection

underwritten by AIA Bhd., AIA PUBLIC Takaful Bhd. or AIA General Berhad, respectively. All premium/contribution payment modes (annual, semi-annual, quarterly and monthly) are eligible.

Policies/Certificates purchased under the Campaign are referred to as “Eligible Policies / Certificates”.

“Annualised Premium/Contribution” refers to  total premium / contribution amount inclusive of premium / contribution payable for rider(s) and additional premium / contribution payable due to underwriting conditions (if any).

4. Campaign Reward

  1. Customers who successfully sign up for any of the Eligible Products and meet the requirements under the Campaign Eligibility and Campaign Mechanics will receive one (1) entry to participate in the “Spin the Wheel” gamification activity. A notification will be sent to the Eligible Customers within 1 month from the policy/certificate activation date (“Eligible Entry”).   A notification will be sent confirming of Customers’ eligibility during the Campaign Period (“Eligible Entry”).
  2. Each Eligible Entry will be entitled to receive a reward (“Gift(s)”) as per the table below subject to fulfilment of all the Campaign requirements. The allocation of Gifts is system generated and on a first come first served basis and is not based on chance or probability.
  3. The Gift will be rewarded to Eligible Customers with Annualised Premium/Contribution tiering as below:

Annualized Premium/Contribution for new policy RM2,000 and above:

Gift Allocated no. of units
Airpods Pro 3 5
Touch ‘n Go Reload Pin valued RM500 20
Touch ‘n Go Reload Pin valued RM100 25
Touch ‘n Go Reload Pin valued RM30 50

Annualized Premium/Contribution for new policy below RM2,000:

Gift Allocated no. of units
Touch ‘n Go Reload Pin valued RM300 15
Touch ‘n Go Reload Pin valued RM50 20
Touch ‘n Go Reload Pin valued RM30 25
Touch ‘n Go Reload Pin valued RM10 40

Note:

  • Eligible Customers will receive the Gift (for Touch ‘n Go Reload Voucher, the PIN code will be shared via WhatsApp) within one (1)(one) month after completing the “Spin the Wheel” gamification activity.
  • The Gifts will be given out to the qualified Eligible Customers who qualify based on a first come first served basis.
  • This Campaign will cease once all the Gifts are fully redeemed or at the expiration of the Campaign Period, whichever is earlier.

5. Campaign Eligibility

  1. This Campaign is open to all customers who purchase any of the Eligible Products during the Campaign Period and meet the Campaign requirements stated in these T&C Terms & Conditions (“Eligible Customers”).
  2. This Campaign is open to Malaysian citizens, permanent resident of Malaysia, work permit holders, pass holders or individuals legally employed and legally residing in Malaysia.
  3. This Campaign is also open to AIA staff purchase.
  4. Each Eligible Customer may participate in the “Spin the Wheel” activity only once, regardless of the number of policies/certificates purchased.
  5. AIA Life Planner self-purchase is ALLOWED. AIA Life Planner self-purchase means that the policy owner/certificate owner and/or the insured is an AIA Life Planner. AIA Life Planner self-purchase is only valid for submissions during the Campaign Periodbetween 8 July 2026 to 30 September 2026, both dates inclusive. Policies/Certificates must be activated by 31 October 2026.

6. Campaign Mechanics

  1. Customers will receive a notification of the Campaign from selected AIA or TNGD channels and must perform any of the action below:
    1. Register their interest via the link provided in the selected channels as a form of agreement to participate in the Campaign.
  2. AIA Channels refers to AIA communication channel in the form of email (sender email address: aiaonline-connect@aia.com or WhatsApp from AIA Malaysia (016-4267291) or Social Media platforms (AIA Malaysia in Facebook, Instagram). TNGD channel refers to any Touch ‘n Go Digital communication channel.
  3. Customers must sign up with any of the Eligible Products, adhere to the Campaign Eligibility and Campaign Mechanics.
  4. Eligible Customers will receive a confirmation of their eligibility during the cCampaign pPeriod, along with a participation link to access the ‘Spin the Wheel’ activity, delivered via email and WhatsApp (from aiaonline-connect@aia.com or AIA Malaysia at 016‑426 7291).
  5. The participation link for the “Spin the Wheel” activity will remain valid until 15 November 2026. If the Eligible Customer does not participate in or complete the activity by 15 November 2026, no claims or appeal will be entertained.
  6. The Eligible Policy/Certificate will be disqualified from the Gift entitlement if during this Campaign Period and/or before the fulfilment of the Gift reward, any of the T&C of the Terms and Conditions set out in this document is not met, or if any of the event listed below occurs:
      1. Lapse, surrender, termination, cancellation of the Eligible Policy/Certificate;
      2. Partial withdrawal;
      3. Premium/Contribution holiday;
      4. Premium/Contribution not paid up to date;
      5. Lapsed but reinstated; or
      6. Deferment of premium/contribution payment

The Gift will be delivered within 1 month after the policy/certificate activation date   of the Eligible Policy/Certificate as per AIA Malaysia’s record  .

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

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

i. AIA Malaysia is not the distributor of the Gifts and makes no warranty or representation as to the quality or merchantability of the Gifts 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 Eligible Customers and the distributor of the Gift.

j. AIA Malaysia may extend the timeline and methods of delivery of the Gift Reward at their discretion.

7. Important Notes and Disclaimers

  1. 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/certificate purchased will best serve your needs and that the premium/contribution payable under the policy/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 Malaysia directly for more information.
  2. You are advised to refer to the Product Disclosure Sheet, Sales/Product Illustration, Fund Fact Sheet(s); if applicable, for further information before purchasing a policy/certificate, and to refer to the terms and conditions in the policy/certificate document for details of the features and benefits, waiting periods and exclusions under the policy/certificate. Unless stated otherwise, words denoting one gender include all other genders and words denoting the singular include the plural and vice versa.

8. General Provisions

  1. You are always solely responsible for maintaining the accuracy of your information. AIA Malaysia may request for further information from you to determine the authenticity of any information provided, including whether it is fraudulent or exaggerated.
  2. AIA Malaysia may decline the Gift reward entitlement in the event any of the T&CTerms and Conditions pursuant to of this Campaign is not fulfilled. No appeal(s) will be entertained.
  3. AIA reserves the right to substitute the Gift with an item of a similar value, depending on availability at any time without prior notice.
  4. AIA shall not be responsible for any loss, damage, delay, tampering, theft, or modification of the Gift once it has been provided to Eligible Customers. AIA shall be released and fully discharged from further liability and demand in relation to the Gift.
  5. AIA is not the distributor of the Gifts and makes no warranty or representation as to the quality or merchantability of the Gifts 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 Eligible Customers and the distributor of the Gift.
  6. AIA may extend the timeline and methods of delivery of the Gift at their discretion.
  7. AIA shall have the right to decide all matters, and disputes concerning this Campaign including substituting the Gift or Cash Reward with other form of gifts/rewards of equivalent value.
  8. AIA shall have the right to amend the T&C 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 AIA official social media accounts.
  9. AIA shall not be liable for any losses, damages, or liabilities or injuries incurred by the Eligible Customers or third parties arising from participation in this Campaign, including but not limited to losses caused by technical errors, incomplete or fraudulent information or failure to comply with the T&C of this Campaign Terms and Conditions.
  10. The Gift is non-transferable. Any request for the Gift to be delivered to a third party will not be entertained.
  11. Any decisions of AIA on any matter concerning the T&C of the Campaign are final.