Our Core Protection Plans

Tailored solutions for every stage of your life.

1. A-Life Medik Famili & A-Plus Health (Medical Card)

Get the peace of mind you deserve with AIA's market-leading medical cards. Designed to ensure you receive the best healthcare without worrying about expensive hospital bills.

No Lifetime Limit

Your coverage refreshes every year, regardless of how many claims you have made in the past.

High Annual Limit

Coverage options starting from RM150,000 up to RM2 Million per year to tackle rising medical costs.

Health Wallet

Unique feature that rewards you with "credits" for every year you don't make a claim, which can be used for health screenings.

2. A-Life Legasi (Life Protection & Hibah)

Secure your family's lifestyle and ensure your debts are cleared even when you are no longer around. This is more than insurance; it is a specialized Shariah-compliant Hibah (Gift) asset.

Features Why It Matters
Immediate Cash Payout is made directly to nominees, bypassing lengthy probate or Faraid court processes.
Debt Settlement Covers home loans, personal loans, and credit cards so your family isn't burdened.
Accidental Cover Up to 200% payout for accidental death or 300% if it occurs in public transport/elevators.
Compassionate Benefit Immediate RM10,000 payout to help the family with funeral expenses.

Pro Tip: Unlike normal savings, a Hibah cannot be contested by other family members. It goes 100% to the person you name as the recipient.

3. A-Life Kritikal Al-Damani (Critical Illness Protection)

A medical card pays the hospital, but who pays your bills while you are recovering and unable to work? Our Critical Illness plan provides a lump-sum cash payout to protect your income and lifestyle.

Comprehensive Coverage

Coverage for up to 180 conditions, including early, intermediate, and advanced stages of illness (Cancer, Heart Attack, Stroke, etc.).

Income Replacement

Receive 100% of your sum covered in cash. Use it for alternative treatments, daily expenses, or settling your mortgage during recovery.

Why you need this specifically:

  • Early Stage Payout: Don't wait for things to get worse. Get a payout upon early detection.
  • Multiple Claims: Some plans allow for multiple claims if different illnesses occur.
  • Juvenile Coverage: Specific protection for conditions affecting children (for family plans).
  • Diabetes & Cancer Recovery: Extra support benefits for specific lifestyle-related illnesses.

*Subject to terms and conditions. Early stage claims may reduce the basic sum covered depending on the specific rider chosen.

5. A-Life Wealth Builder (Savings & Investment)

A Shariah-compliant investment-linked plan designed to grow your wealth while providing high coverage. This plan is ideal for long-term financial goals like retirement or children's education.