AIA Mestilah Menang Campaign

Terms & Conditions

Terms & Conditions (“T&C”) for Mestilah Menang Campaign (“Campaign”) 

  1. General 

This Campaign is organised by AIA Bhd., AIA PUBLIC Takaful Bhd. and AIA General Berhad (collectively known as “AIA”, “we”, “our” or “us”). By participating in this Campaign, you (“you”, “your” or “customer”) acknowledge that you have read, understood, and agreed to be bound by the T&C of this Campaign (including its amendments). 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 1 October 2026 to 31 December 2026, both dates inclusive (“Campaign Period”). Eligible Policies/Certificates must be activated by 31 January 2027 (“Activation Date”). 

  1. Eligible Products

a. This Campaign applies to the following categories of products underwritten by AIA Bhd., AIA PUBLIC Takaful Bhd. or AIA General Berhad (as applicable) and distributed by AIA Life Planner (“Eligible Products”):

i. Life Protection

ii. Medical Protection

iii. Critical Illness Protection

iv. Savings & Investment

v. Personal Accident Protection

b. All premium/contribution payment modes, i.e. annual, semi-annual, quarterly, and monthly, are eligible to participate in this Campaign.

c. Policies/Certificates purchased under the Campaign are referred to as “Eligible Policies/Certificates”. Annualised Premium/Contribution (“ANP/ANC”) 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). 

  1. Campaign Reward

a. Customers who have successfully signed up for any of the Eligible Products and meet the requirements under the Campaign Eligibility and Campaign Mechanics below will be eligible to receive a reward (“Gift”) as per the table below. A notification will be sent to the Eligible Customers within 1 month from the Activation Date. 

b. The Gift will be rewarded to Eligible Customers based on the ANP/ANC tiering as per below:

Annualised Premium / Contribution Gift Allocated no. of Units
<= RM1,500 RM50 cashback 46
> RM1,500 and <= RM3,000 RM100 cashback 34
> RM3,000 and <= RM6,000 RM150 cashback 22
> RM6,000 RM500 cashback or an iPhone 18 Pro 256GB 9x RM500 cashback 3x iPhone 18 Pro

Note:

i. Eligible Customers who are eligible for the cashback will either receive in the form of cashback to their TNG eWallet App, or in a form of TNG Reload PIN, which will be notified via WhatsApp after 1 month of policy/certificate in-forced.

ii. Eligible Customers who purchase a policy/certificate with an ANP/APC above RM6,000 and achieve the highest ANP/ANC of the month will be entitled to an iPhone 18 Pro 256GB. The colour of the phone is subject to availability.

iii. The Gift will be given to the qualified Eligible Customers on a first come first served basis.

iv. This Campaign will cease once the Gifts are fully redeemed or at the expiration of the Campaign Period, whichever is earlier.

  1. Eligible Customers

a. This Campaign is open only to New-to-AIA Customers. For the purpose of this Campaign, a “New-to-AIA Customer” means an individual who, at the point of participation and policy/takaful application, does not own any individual insurance policy, individual takaful certificate, or any policy/certificate that is currently in force or issued by AIA respectively in his/her capacity as a policy owner or certificate owner.

b. For the avoidance of doubt, an individual may still be considered a New-to-AIA Customer if he/she:

i. is a corporate policy owner or corporate certificate owner under an in-force conventional Group Employee Benefits scheme issued by AIA Bhd. or an in-force Takaful Group Employee Benefits scheme issued by AIA PUBLIC Takaful Bhd.; and/or

ii. is covered as an employee, member, dependent, participant, or insured person under an in-force conventional Group Employee Benefits scheme issued by AIA Bhd., an in-force Takaful Group Employee Benefits scheme issued by AIA PUBLIC Takaful Bhd., or a Group Personal Accident (PA) insurance policy issued by AIA General Berhad; and/or

iii. is a digital insurance policy or Takaful certificate owner issued by AIA Bhd., or AIA General Berhad or AIA PUBLIC Takaful Bhd.

b. AIA reserves the right to verify the participant’s eligibility and to disqualify any participant who is subsequently found not to satisfy the definition of a New-to-AIA Customer or whose policy/certificate is not issued or is not in force.

c. Each Eligible Customer may participate in the Campaign only once, regardless of the number of policies/certificates purchased. Where an Eligible Customer purchases more than one policy/certificate during the Campaign Period, only the policy/certificate with the highest ANP/APC will be considered for determining eligibility for the applicable Gift, and only one (1) Gift will be awarded.

  1. Campaign Mechanics 

a. Customers will receive notification of the Campaign from selected AIA Channels or TNGD channel and must register their interest via the link provided in the selected channels as a form of agreement to participate in the Campaign.

b. 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.

c. Customers must sign up for any of the Eligible Products and meet the Campaign Eligibility and Campaign Mechanics.

d. Eligible Customers will receive a notification with confirmation of their eligibility and Gift entitlement via email and WhatsApp (from aiaonline-connect@aia.com or AIA Malaysia at 016426 7291).

e. The Eligible Policies/Certificates will be disqualified from receiving any Gift if, during the Campaign Period or before the fulfilment of the Gift, any of the T&C of the Campaign are not complied with, or if any of the following events occur: 

i. Lapse, surrender, termination, cancellation of the Eligible Policy/Certificate; 

ii. Partial withdrawal; 

iii. Premium/Contribution holiday; 

iv. Premium/Contribution not paid up to date; 

v. Lapsed but reinstated; or 

vi. Deferment of premium/contribution payment 

f. The Gift will be delivered within 1 month after the Activation Date of the Eligible Policies/Certificates as per AIA’s record, subject to availability from the distributor.

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 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. 

i. 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. 

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

  1. Important Notes and Disclaimers 

a. This Campaign 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 directly for more information. 

b. 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 of the policy/certificate for details including the features and benefits, waiting periods and exclusions. 

  1. General Provisions 

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

b. AIA may decline the Gift entitlement in the event any of the T&C of this Campaign is not fulfilled. No appeal(s) will be entertained. 

c. AIA shall have the right to decide all matters, and disputes concerning this Campaign including substituting the Gift with other forms of gift/reward of equivalent value. 

d. 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. 

e. AIA shall not be liable for any losses, damages, expenses, liabilities and/or injuries incurred or suffered by you or third parties arising from participation in this Campaign and any other matters relating to this Campaign. 

f. The Gift is non-transferable. Any request for the Gift to be delivered to a third party will not be entertained. 

g. Any decisions of AIA on any matter concerning the Campaign are final.