AIA A-Life Krtikal Protector

This is a single claim payment based on your coverage amount.

This is the time period where the takaful company will not pay for certain claims.

This plan is available for individuals aged between 14 days old and 60 years old.

It depends on the contribution term that you have chosen, i.e. 20 years or full pay. Contributions are payable according to your selected payment mode: annually, half-yearly, quarterly and monthly

Critical Illness Benefit Any critical illnesses arising from the occurrence of the following is not covered under A-Life Kritikal Protector: 1. Pre-existing Conditions prior to the Issue Date or Commencement Date, whichever is later; or 2. Cancer, Heart Attack, Coronary Artery By-Pass Surgery, Serious Coronary Artery Disease and Angioplasty and Other Invasive Treatments for Coronary Artery Disease, for which the signs or symptoms first occurred within 60 days following the Issue Date or Commencement Date, whichever is later; or 3. All other critical illnesses for which the signs or symptoms first occurred within 30 days following the Issue Date or Commencement Date, whichever is later; or 4. Critical illness was diagnosed directly or indirectly due to a congenital defect or disease which has manifested or was diagnosed before age 17; or 5. The diagnosis of Fulminant Viral Hepatitis, Cancer, Encephalitis, Bacterial Meningitis, Alzheimer's Disease / Severe Dementia or Terminal Illness was directly or indirectly due to an Acquired Immunodeficiency Syndrome (AIDS) or infection by any Human Immunodeficiency Virus (HIV). 6. Critical Illness or Covered Surgery is caused directly from alcohol or drug abuse; or 7. Critical Illness or Covered Surgery is caused by a self-inflicted injury; or 8. Critical Illness or Covered Surgery if the Person Covered did not survive for at least fifteen (15) days after the diagnosis of a Critical Illness or undergoing of a Covered Surgery.