AIA 39 Critical Illnesses Insurance Plans
Related Plans
Contact Details
Richtec Consultancy
Phone: 019-787 1313
No. 11-01, Jalan Mutiara Emas 2A, Taman Mount Austin, 81100 Johor Bahru, Johor
AIA 39 Critical Illnesses Insurance Plans
This critical illness insurance plan protects 39 critical illnesses and protects you until you reach the age of 70. This insurance pays only if the mentioned disease is diagnosed and whether you live for at least 15 days after your diagnosis or the covered surgery.
A lump sum payment is paid for 100% of covered amount with an exception:
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The exception is for Angioplasty and Invasive treatments for Coronary Artery Disease.
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10% of amount covered will be paid subject to a maximum of RM25,000 one time payment.
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The plan coverage amount will be reduced by the amount paid out.
Ways to Cover
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Living expenses
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Top up medical expenses
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Pass on to your beneficiary to use.
Qualifications
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Malaysians between the age of 16 to 55.
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Subject to underwriting requirements.
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Inform us of all facts to your medical conditions
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State your age correctly
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Exclusions
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The illness appears during the waiting period
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Illness comes from pre-existing condition
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Waiting Periods
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60 Days Waiting Period
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Cancer
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Heart Attack
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Coronary Artery Bypass Surgery
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Serious Coronary Artery Disease
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Angioplasty
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Other Invasive Treatments for Coronary Artery Disease
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30 Days Waiting Period
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The rest of the critical illnesses on the list below
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AIA 39 Critical Illness List
Brain and Nervous System
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Alzheimer’s Disease / Severe Dementia
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Brain Surgery
Loss of Body Senses or Muscle Functions
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Loss Of Speech
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Loss of Hearing or Deafness
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Paralysis of Limbs
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Loss of Independent Existence
Bone Marrow
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Major Organ/Bone Marrow Transplant
Heart and Blood System
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Surgery to Aorta
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Heart Valve Surgery
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Serious Coronary Artery Disease
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Coronary Artery Bypass Surgery
HIV Infection and AIDS
Kidneys
Liver
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End Stage Liver Failure
Medical Conditions due to Accidents
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Head Trauma
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Major Burns
Other Severe Diseases
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Coma
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Terminal Illness
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Cancer of Specified Severity and Not Covering Very Early Stage Cancer
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End Stage Lung Disease
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Systemic Lupus Erythematosus with Severe Kidney Complications
