2022 NA Specific Markets (Conventional)

NA Products & Sales Compliance
Specific Market Plans

(Conventional)
September 1, 2021
[AIA - HIGHLY CONFIDENTIAL]

NA ILP Plans Rev07 22 06 2021
INTRODUCING
Total Health Solution

for your child
[AIA – PUBLIC]
DISCLAIMER
For internal staff and agent training only. This document is not a
sales material and cannot be used for circulation to prospects. It
serves only as a training guide to the agent in the selling concept
of the products mentioned. In the actual selling process, the
customer’s needs, affordability and preference must be
considered to deliver fair value to the customer. The detailed
product benefits and cost must be explained to help customers
make informed decisions. Only AIA authorized sales materials are
to be used when prospecting.
[AIA – PUBLIC]
A couple gets married &
plans for their future family
[AIA – PUBLIC]
A child is an
Parents always want to make sure that their kids
have adequate protection throughout life's journey.
integral part
of every Age 25
parent's life.
Age 15
Age 5
Birth of
Baby
During
Pregnancy
[AIA – PUBLIC]
COUPLE LIVEBIRTHS
~200k couples get ~400k newborns
married every year every year
CHILDREN POPULATION
23.3 % of Malaysian
are below 15 years old
(7.6 million)
Source: Malaysia Demographics Profile (indexmundi.com) https://
www.dosm.gov.my/v1/index.php?r=column/cthemeByCat&cat=155&bul_id=OVByWjg5YkQ3MWFZRTN5bDJiaEVhZz09&menu_id=L0pheU43NWJwRWVSZklWdzQ4TlhUUT09
[AIA – PUBLIC]
How many children are protected in AIA?
PRE-NATAL
Around 20k children
Only 2k of them
are protected under AIA are newborns
(0.26% of 7.6 million juvenile (0.5% of 400k newborns
every year) every year)
~20,000
protected ~2,000 are
newborns
~7.6 million
AIA Protection 2k Newborn

Total Juvenile Base 400k Children
Data Source: 2018-2020 new business data
[AIA – PUBLIC]
As a parent-to-be However
It's exciting to anticipate the As a parent, you also want to make sure
arrival of your child. that your child grows and developed

safely in the mother's womb
[AIA – PUBLIC]
TO ENSURE
LIFETIME PROTECTION
FOR YOUR CHILD
[AIA – PUBLIC]
INTRODUC ING
A-LIFE JOY XTRA
[AIA – PUBLIC]
Secure early protection coverage for your
child while they are still in the womb
DURING PREGNANCY AFTER BIRTH
Entry 13 – 35 Gestational Entry 14 days –

A-LIFE Age : Weeks Age : 15 years old
JOY XTRA
< 14 > 20
COVERS YOU! GESTATIONAL
WEEKS
GESTATIONAL
WEEKS
FOR BABIES
NO UNDERWRITING
CONCEIVED VIA:
• Via Bundle of Joy
• Applicable for A-Life Lady360 • In Vitro Fertilization (IVF)
• Intrauterine Insemination (IUI)
/ A-Life Lady Customers only
• Intracervical Insemination (ICI)
Full underwriting will be adopted
Only singleton is allowed
[AIA – PUBLIC]
A-LIFE JOY XTRA
E A R LY & PA R E N T
L I F E P ROT E C T I O N CO M P R E H E N S I V E P ROT E C T I O N
P ROT E C T I O N
[AIA – PUBLIC]
A regular premium Investment-Linked Insurance
Coverage Term
Death
100% of + Account • Up to age 70
Basic Sum Assured* Values
• Up to age 80
TPD • Up to age 100
100% of Automatic Extension of
Coverage Term is applicable
Basic Sum Assured* for coverage term age 70 & 80
Coverage up to age 70 &
claim on TPD will reduce
BSA.
Note: For A-Life Joy Xtra policy purchased during pregnancy period
If death of insured is happened during pre-birth or up to 30 days from birth,
only total premium paid or account values, whichever is higher will be payable.
*subject to juvenile lien
AIA confidential and proprietary information. Not for distribution.
AIA confidential and proprietary information. Not for distribution. 13

[AIA – PUBLIC]
Example 1
ENJOY TOTAL Sum Assured

= RM 150,000
TWICE
Auto Growth by
THE COVERAGE RM 75,000 100%
+ WITHOUT
MEDICAL UNDERWRITING
Sum Assured Sum Assured
RM 75,000 RM 75,000
AutoGrowth Feature
18
When your child turns 18

Example 2
A-Life Joy Xtra TOTAL Sum Assured

Sum Assured* 100 = RM 220,000
%
Capped at MAX RM100,000
Auto Growth by +100k
RM 100,000 capping
WITHOUT + WITHOUT
Sum Assured
Sum Assured
RM 120,000 RM 120,000
* subject to lower of initial sum assured or current sum assured.
18
Note: The revised sum assured will be subjected to the charges of cost of insurance.

[AIA – PUBLIC]
Education Tax Relief
EDUCATION SAVINGS
Save via A-Plus ScholarSaver
VIA A-PLUS (regular top up)
SCHOLARSAVER Attach A-Plus Payor Extra
• The amount allocated into A-Plus ScholarSaver

qualifies for personal tax relief up to RM3,000 per
annum for medical and educational insurance,
subject to the final decision of the Inland Revenue
Board of Malaysia.
• When your child turns 18, the Account Value of A-
Plus ScholarSaver will automatically be reinvested
into A-Plus Saver at no charge.

[AIA – PUBLIC]
5 YEARS GUARANTEED COVERAGE
Account Values < Policy Charges & COI Policy will continue to be in force
Provided that:
FIRST 5 YEARS
1 Premium paid on time.
2 No Premium Holiday.
Policy
Charges
and Account The revised premium due to
Cost of Values 3
increase in COI (if any) continues
Insurance to be paid on time.
4 No changes were made that resulted

in the increment of the COI or any
reduction in the existing / future
Account Value such as withdrawal.

[AIA – PUBLIC]
A-LIFE JOY XTRA
L I F E P ROT E C T I O N
CO M P R E H E N S I V E P ROT E C T I O N
P ROT E C T I O N
[AIA – PUBLIC]
A Comprehensive Range of Protection to Enhance Child Coverage
Pre-natal Coverage Medical Coverage Critical Illness Coverage
Powered by
• A-Plus Health • A-Plus Med Care

A-Plus BabyCare Xtra
• A-Plus Hospital Income Extra • A-Plus Junior Critical Care
• A-Plus Critical Illness
• A-Plus Early Critical Care
• A-Plus Multi Critical Care
Premium Waiver
A-Plus Waiver Extra A-Plus Payor Extra

[AIA – PUBLIC]
PRE-NATAL
COVERAGE
[AIA – PUBLIC]
173,746
deaths
2019 Livebirth’s Death
1 DEATH 3 MINUTES
20 DEATHS PER HOUR
476 DEATHS PER DAY
http://www.acrm.org.my/mnnr/documents/nnrReport2017.pdf
https://www.dosm.gov.my/v1/uploads/images/BPPD/Vital%20statistics/Vital%20Statistics%2C%20Malaysia%2C%202020/BI%201.PNG
[AIA – PUBLIC]
WHY IS IT IMPORTANT TO GET
CHILDREN PROTECTED AT AN
EARLY STAGE
[AIA – PUBLIC]
WHY IS IT IMPORTANT TO GET
CHILDREN PROTECTED AT AN
EARLY
STAGE
Unforeseen Pregnancy Occurrence of Expensive

& Newborn Complications / Neonatal
Delivery Complications Child Disorders Hospitalisation
[AIA – PUBLIC]
Neonatal Deaths
4.1 in 1,000 live birth dies
before reaching 28 days of age
Unforeseen Pregnancy
& Maternal Mortality
Delivery Complications
21.1 maternal deaths
per 100,000 live births
https://www.dosm.gov.my/v1/uploads/images/BPPD/Vital%20statistics/Vital%20Statistics%2C%20Malaysia%2C%202020/BI%201.PNG
https://www.statista.com/statistics/641986/malaysia-neonatal-mortality-rates/
[AIA – PUBLIC]
Occurrence of
Newborn Complications
Congenital Abnormalities Down Syndrome
16,500 1 in 660 live births

of 550,000 babies
www.pitterpatter.com.my/first-trimester-screening-for-down-syndrome
https://umsc.my/umsc_news/yearlyaround16500ofmalaysias550000babiesareaf
flictedwithcongenitalabnormalitiesa/
Neonatal Jaundice
70%
of full-term babies
www.myhealth.gov.my/en/neonatal-jaundice-laboratory-perspective
[AIA – PUBLIC]
Autism
Spectrum Disorder
1.6 in 1,000 children Attention Deficit

(age 18-26 months) Hyperactivity Disorder
https://abcautism.com.my/what-is-autism/
Estimated 1.6% to 4.6%

https://www.moh.gov.my/moh/resources/Main%20Banner/2020/Draft_C
PG_ADHD_for_Reviewer.pdf
Dyslexia
Occurrence of
314,000 dyslexic students
Child Development https://medic.upm.edu.my/upload/dokumen/2019042916021820_0373(Final)20.pdf
Disorder Gross Motor or Speech

Development Delay
USA - Permanent motor disability
(Cerebral Palsy): 3.3 per 1000
https://pediatrics.aappublications.org/content/131/6/e2016
[AIA – PUBLIC]
In Malaysia,
about 12.3% deliveries are
Expensive preterm birth
Neonatal It is best for Premature babies to be born at a
hospital that has a Neonatal Intensive Care Unit
Hospitalisation (NICU)
Did you know?
Typical medical plans impose a

30 day waiting period Premature babies may NOT ABLE to
purchase a life policy or a medical plan at
standard rate OR risk being deferred to a
later age subjected to child development.
https://www.sunmedvelocity.com.my/en/medipedia/premature-babies-what-do-you-need-to-know-about-it
[AIA – PUBLIC]
A-PLUS BABYCARE XTRA
Provides pregnancy care and

childcare benefits until the
child turns 5
[AIA – PUBLIC]
Cover expecting mothers against
DURING • Pregnancy Complications MOTHER &
• Death of foetus (from 28th weeks)
PREGNANCY • PREGNANCY
Death of Mother during childbirth or due to pregnancy complications up
to 30 days after delivery
Cover baby against

BIRTH OF CHILD
(within 30 days • In-Patient Care: Cover newborn medical bills upon admission
from birth) in Neonatal Intensive Care Unit / Intensive Care Unit / High
Dependency Unit
BIRTH OF CHILD Cover baby against

(within 60 days • Infant Care: Cover the cost of Phototherapy Treatment cost due to
from birth) Neonatal Jaundice and the Cost of Incubator
Up to when the Cover child against

child attains • Congenital Conditions
the age of 5 • Child Development Disorder
[AIA – PUBLIC]
• During Pregnancy
Cover expecting mothers against:
7 Death of mother during

3 Pregnancy Complications / Death of Foetus
childbirth/pregnancy complications
up to RM10,000 lump sum up to RM30,000 lump sum
(depending on plan)
(depending on plan)
Complication Listing: Coverage Period:
1.Disseminated Intravascular Pregnancy Complications Coverage Period:
Coagulation Pregnancy period a. Prior to delivery, and
2.Eclampsia b. Up to 30 days after delivery
3.Abruptio Placentae Death of Foetus
4.Amniotic Fluid Embolism • after 28th weeks of
5.Acute Fatty Liver of Pregnancy gestation up to the birth
(AFLP) during Pregnancy of the child
6.Placenta Increta/Percreta
7.Postpartum Haemorrhage requiring
Hysterectomy

[AIA – PUBLIC]
• Birth of Child
Cover baby against:
In Patient Care
WITHIN 30 DAYS FROM BIRTH • Cover newborn medical bills upon
admission in Neonatal Intensive Care
Unit, Intensive Care Unit or High
Dependency Unit (HDU)
WITHIN 60 DAYS FROM BIRTH Infant Care

• Cover the cost of Phototherapy Treatment
due to Neonatal Jaundice and the cost of
incubator.
Reimbursement up to RM10,000 per lifetime (depending on plan)

Note: This benefit shall limit to the cost of Phototherapy Treatment Session and the cost of incubator and shall exclude the In-patient
related fees such as doctor consultation or nursing services, unless it is covered under In-Patient Care Benefit

[AIA – PUBLIC]
Up to when the child attains the age of 5
• Cover the baby against:
19 4
Hospitalisation Benefit- due to 15 Covered 2 Child Development Disorder
Congenital Conditions Benefit
1) Ventricular Septal Defect 10) Congenital Cataract 1. Autism Spectrum Disorder

2) Cerebral Palsy 11) Congenital Deafness 2. Attention Deficit Hyperactivity Disorder
3) Atrial Septal Defect 12) Anal Atresia 3. Dyslexia
4) Tetralogy of Fallot 13) Oesophageal Atresia 4. Gross Motor or Speech Developmental
5) Transposition of Great Vessels 14) Congenital Diaphragmatic Hernia
15) Tracheo-oesophageal Fistula
Delay
6) Coarctation of the Aorta
7) Infantile Hydrocephalus 16) Absence of two limbs
8) Spina Bifida 17) Down Syndrome
9) Cleft Lip with / without Cleft Palate 18) Truncus Arteriosis
19) Retinopathy of Prematurity
Reimbursement up to RM30,000 every year! (depending on plan)

[AIA – PUBLIC]
The Unforeseen The Occurrence of Expensive
Pregnancy & Newborn Complications / Neonatal
Delivery Complications Child Disorders Hospitalisation
• Pregnancy Complications Benefit • Hospitalisation Benefit- due to • First 30 days In-Patient Care
• Death of Foetus Benefit Covered Congenital Conditions • First 60 days Infant Care
• Death of Mother Benefit • Child Development Disorder
Benefit
These benefits can protect you in case you experience any of the issues above!
[AIA – PUBLIC]
Table of Benefits
No Benefit Limits Coverage Period Starter Basic Standard Premier
a. In-Patient Care
Admitted to a hospital in the Neonatal Within first 30 days from
Intensive Care Unit / Intensive Care Unit / birth of the Insured
High Dependency Unit up to up to up to
1 b. Infant Care N/A RM 5,000 per RM 7,500 RM 10,000
• Cost of Phototherapy Treatment Within first 60 days from lifetime per lifetime per lifetime
Session due to Neonatal Jaundice – birth of the Insured
requiring hospitalisation
• Cost of Incubator in hospital
Pregnancy Complications /
RM5,000 RM 7,500 RM 10,000
2 Death of Foetus (after 28th weeks of Pregnancy Period N/A
lump sum lump sum lump sum
gestation up to the birth of the child)
a. Prior to delivery, and
Death of mother due to childbirth/ RM5,000 RM 15,000 RM 30,000
3 b. Up to 30 days after N/A
pregnancy complications lump sum lump sum lump sum
delivery
up to up to up to
a. Hospitalisation due to 19 Covered
RM 5,000 RM 5,000 RM 15,000 up to
Congenital Conditions Up to the Insured
4 per year per year per year RM 30,000
attaining age 5
per year
b . Child Development Benefit N/A N/A N/A
Notes:
1. All amounts shown in the Schedule of Benefits above are in Ringgit Malaysia (RM) unless stated otherwise.
2. We shall only reimburse reasonable and customary charges on eligible expenses.
[AIA – PUBLIC]
MEDICAL
COVERAGE
A-Plus Health A-Plus Hospital Income Extra
[AIA – PUBLIC]
Comprehensive medical protection that

takes care of your medical bills.
Comprehensive
Health Wallet Health Rewards
Coverage
• 4 available plans • Get money credited to your • Enjoy additional Health
• Annual Limit up to RM2 Health Wallet for every year Rewards, depending on
million you do not make a claim, up to your AIA Vitality Status:
• No lifetime limit 10 times, which you can use
for the following:
✓ In-patient and out-patient ✓ Prevention ✓ Up to 100% deductible

treatment ✓ Special Care waiver
✓ Daycare procedure & surgery ✓ Recovery Care for lifetime ✓ Hospital Room and Board
✓ Out-patient kidney dialysis and ✓ Mobility and Hearing Support Benefit upgrade –up to 100%
cancer treatment / emergency ✓ Mental Health Benefit of the benefit amount
accidental treatment ✓ Protect Boost ✓ Annual Health Wallet Booster
Note: Applicable to juvenile Insured at
age 16 when they join AIA Vitality
[AIA – PUBLIC]
Providing you with a daily income

if you are hospitalised
Choice of Daily Maximum no. of Confinement in

Income Plan days ICU
Range from RM50 3 x of Daily
Up to 1,000 days
to RM400 per anyone disability Income Plan,
(with multiples of RM50 & up to 20 days per anyone
subject to underwriting) disability
[AIA – PUBLIC]
CRITICAL
ILLNESS
Powered by
COVERAGE
A-Plus Med Care A-Plus Junior Critical Care
A-Plus Critical Care A-Plus Early Critical Care
A-Plus Multi Critical Care
[AIA – PUBLIC]
A-Plus Med A-Plus Critical
A-Plus Junior Critical Care A-Plus Early Critical Care A-Plus Multi Critical Care
Care Care
Ensuring that you receive the best possible treatment and

ongoing personal support throughout your medical journey
Personal Medical Case Flight Ticket for Overseas Treatment

Management
Powered
by
Access to the world’s leading specialist

Covers flight tickets for you and a
companion
Offer medical recommendation

based on the reviewed diagnosis and
ongoing personal support Up to RM10,000 per lifetime
throughout your recovery journey.
[AIA – PUBLIC]
A-Plus Med A-Plus Critical A-Plus Early Critical Care
A-Plus Junior Critical Care A-Plus Multi Critical Care
Care Care
Provides coverage for 32 Juvenile Specific Critical

Illnesses for both low and high severity up to age 18
of the child
Low Severity High Severity
30% of APJCI Coverage 100% of APJCI Coverage

Amount per CI Category Amount per CI Category
[AIA – PUBLIC]
A-Plus Junior CriticalCare at a glance
High Severity
Low Severity
No. Critical Illness Category (100% of the APJCC Sum Assured, less any benefit paid out
(30% of the APJCC Sum Assured)
previously)
1 Cancer and Tumor Carcinoma in situ Major Cancer
2 Asthma Severe Asthma Persistent Severe Asthma
3 Type 1 Diabetes Insulin Dependent Diabetes Mellitus (on diagnosis) Juvenile Insulin Dependent Diabetes Mellitus
4 Kawasaki Kawasaki Disease (on diagnosis) Severe Kawasaki Disease with Heart Complications
5 Juvenile Rheumatoid Arthritis Severe Juvenile Rheumatoid Arthritis (on diagnosis) Persistent Severe Juvenile Rheumatoid Arthritis
6 Epilepsy Status Epilepticus requiring intubation and ventilator support Severe Epilepsy
Intellectual Impairment due to Persistent intellectual impairment due to illnesses or
7 illnesses or accident
Intellectual impairment due to illnesses or accident (on diagnosis)
accident
8 Adolescent morbid obesity Adolescent morbid obesity (on diagnosis) Adolescent morbid obesity (requiring surgery)
9 Nephrotic Syndrome Acute Glomerulonephritis (on diagnosis) Persistent Glomerulonephritis with Nephrotic Syndrome
10 Encephalitis Encephalitis with full recovery Encephalitis with permanent neurological deficits
11 Bacterial Meningitis Bacterial Meningitis with full recovery Bacterial Meningitis with permanent neurological deficits
Glomerulonephritis with
12 Nephrotic Syndrome
Nephrotic Syndrome requiring hospitalisation Severe Relapsing Nephrotic Syndrome
13 Blindness Loss of sight in One Eye Total Permanent Blindness

14 Burns Second Degree Burns Severe Burns
15 Cholangitis Biliary Atresia (On diagnosis) Biliary Atresia having undergone Liver transplantation
16 Aplastic Anaemia Reversible Aplastic Anaemia Irreversible Aplastic Anaemia
[AIA – PUBLIC]
Care Care
Coverage for 45 critical illnesses

Any claims from this rider shall reduce A-Life Joy Xtra SA
List of covered conditions:
1) Stroke 24) Alzheimer's Disease / Severe Dementia
2) Cancer 25) Motor Neuron Disease
3) Heart Attack 26) Parkinson's Disease
4) Coronary Artery By-Pass Surgery 27) Terminal Illness
5) Serious Coronary Artery Disease 28) Encephalitis
6) Angioplasty and Other Invasive Treatments for 29) Benign Brain Tumour
Coronary Artery Disease
7) Heart Valve Surgery 30) Major Head Trauma
8) Fulminant Viral Hepatitis 31) Bacterial Meningitis
9) End-Stage Liver Failure 32) Brain Surgery
10) Primary Pulmonary Arterial Hypertension 33) Medullary Cystic Disease
11) End-Stage Lung Disease 34) Loss of Independent Existence
12) Kidney Failure 35) HIV Infection Due To Blood Transfusion
13) Surgery to Aorta 36) Cardiomyopathy
14) Chronic Aplastic Anaemia 37) Full-blown AIDS
15) Major Organ / Bone Marrow Transplant 38) Occupationally Acquired Human Immunodeficiency Virus (HIV)
Infection
16) Blindness – Permanent and Irreversible 39) Systemic Lupus Erythematosus with Severe Kidney Complications
17) Deafness – Permanent and Irreversible 40) Apallic Syndrome
18) Loss of Speech 41) Poliomyelitis
19) Coma 42) Progressive Scleroderma
20) Third Degree Burns 43) Chronic Relapsing Pancreatitis
21) Multiple Sclerosis 44) Elephantiasis
22) Paralysis of Limbs 45) Creutzfeldt-Jakob Disease (Mad Cow Disease)
23) Muscular Dystrophy
[AIA – PUBLIC]
Care Care
Provides coverage from early stage,

up to 92 Critical Illness events until age 85
Low Severity High Severity Diabetes Related Disease

Medium Severity (% of APECC Sum Assured)
(% of APECC Sum Assured) (% of APECC Sum Assured) (% of APECC Sum Assured)
Additional 20%
30% 60% 100% • Surgery for Type 2 Diabetic Retinopathy;
or
per CI Category per CI Category per CI Category • Limb Amputation due to Type 2 Diabetic
Complications; or
• Severe Diabetic Nephropathy resulting in
Kidney failure.
Any claims from this rider will not reduce A-Life Joy Xtra SA
Multiple claims can up to 120% sum assured

(no waiting period between claims)
[AIA – PUBLIC]
A-Plus Early CriticalCare at a glance
High Severity
Medium Severity
(100% of the APECC Sum Assured, less any total
Low Severity (60% of the APECC Sum Assured, less any benefit
Critical Illness Category benefit paid out previously, excluding benefit
(30 % of the APECC Sum Assured) paid out under Low Severity for the same critical
amount payable under Diabetic Related
illness category)
Disease)
Carcinoma in situ; Early Prostate Cancer; Early
Thyroid Cancer; Carcinoma in situ and Other Early Cancers of
Cancer Cancer
Early Bladder Cancer; or Early Chronic Specified Organs Treated with Radical Surgery
Lymphocytic Leukaemia
Brain Aneurysm Surgery; or Cerebral Shunt
Stroke Carotid Artery Surgery Stroke
Insertion
Heart Attack Cardiac Pacemaker or Defibrillator Insertion Nil Heart Attack
Serious Coronary Artery Disease Early Coronary Artery Disease Other Coronary Artery Disease Serious Coronary Artery Disease
Minimally Invasive Direct Coronary Artery Bypass
Coronary Artery By-Pass Surgery Pericardectomy Coronary Artery By-Pass Surgery
Grafting (MIDCAB)
Heart Valve Surgery Percutaneous Valvuloplasty Percutaneous Valve Replacement Heart Valve Surgery
Cardiomyopathy Hypertrophic Cardiomyopathy Constrictive Pericarditis with Surgery Cardiomyopathy
Aorta Large Asymptomatic Aortic Aneurysm Minimally Invasive Surgery to Aorta Surgery to Aorta
Primary Pulmonary Arterial
Early Primary Pulmonary Arterial Hypertension Nil Primary Pulmonary Arterial Hypertension
Hypertension
Lung Disease Severe Asthma Surgical Removal of One Lung End-Stage Lung Disease
Liver Disease Liver Surgery Liver Cirrhosis End-Stage Liver Failure
Major Organ / Bone Marrow Transplant (on the
Major Organ / Bone Marrow waiting list)
Small Bowel Transplant; or Corneal Transplant Major Organ / Bone Marrow Transplant
Transplant
Parkinson’s Disease Early Parkinson’s Disease Moderately Severe Parkinson’s Disease Parkinson’s Disease
Alzheimer’s Disease / Severe
Early Alzheimer’s Disease Moderately Severe Alzheimer’s Disease Alzheimer’s Disease / Severe Dementia
Dementia
Coma Coma for 48 hours Coma for 72 hours Coma
Loss of Sight Loss of Sight in One Eye Retinitis Pigmentosa Blindness – Permanent and Irreversible
[AIA – PUBLIC]
A-Plus Early CriticalCare at a glance (con’t)
High Severity
Medium Severity
(100% of the APECC Sum Assured, less any total
Low Severity (60% of the APECC Sum Assured, less any benefit
Critical Illness Category benefit paid out previously, excluding benefit
(30 % of the APECC Sum Assured) paid out under Low Severity for the same critical
amount payable under Diabetic Related
illness category)
Disease)
Partial Loss of Hearing; or
Loss of Hearing Cochlear Implant Surgery Deafness – Permanent and Irreversible
Cavernous Sinus Thrombosis Surgery
Kidney Failure Surgical Removal of One kidney Chronic Kidney Disease Kidney Failure
Blood Occupationally Acquired Hepatitis B or C Nil HIV Infection Due To Blood Transfusion
Aplastic Anaemia Reversible Aplastic Anaemia Nil Chronic Aplastic Anaemia
Bacterial Meningitis Bacterial Meningitis with Full Recovery Nil Bacterial Meningitis
Surgical Removal of Pituitary Tumour via Trans
Brain Tumour Sphenoidal Nil Benign Brain Tumour
Hypophysectomy
Brain Surgery Surgery for Subdural Haematoma Nil Brain Surgery
Encephalitis Encephalitis with Full Recovery Nil Encephalitis
Head Trauma Mild Head Trauma Nil Major Head Trauma
Loss of Speech (other than injury or illness to
Loss of Speech Nil Loss of Speech
the vocal cords)
Medullary Cystic Disease Chronic Glomerulonephritis Nil Medullary Cystic Disease
Loss of Independent Existence Early Loss of Independent Existence Nil Loss of Independent Existence
Motor Neuron Disease Early Motor Neuron Disease Nil Motor Neuron Disease
Multiple Sclerosis Early Multiple Sclerosis Nil Multiple Sclerosis
Spinal Cord Disease or Injury resulting in Bowel
Muscular Dystrophy and Bladder Nil Muscular Dystrophy
Dysfunction
Paralysis of Limbs Loss of Use of One Limb Nil - Paralysis of Limbs
Burns Second Degree Burns Nil - Third Degree Burns
Fulminant Viral Hepatitis Nil Nil - Fulminant Viral Hepatitis
Terminal Illness Nil Nil - Terminal Illness
Angioplasty and Other Invasive
- Angioplasty and Other Invasive Treatments for
Treatments for Coronary Artery Nil Nil
Disease
[AIA – PUBLIC]
Care Care
Multi – CI Protection
up to 3 critical illness claims
Multiple Protection, Cover 2 occurrences Angioplasty & other

up to 3 x of Cancer Invasive treatment for
• Cover 36 CI 125% is payable up to 2 10% of the rider SA or
• Only 1 CI can claim Cancer claims, subject to
under each group, RM25,000,
maximum 3 CI claims in total
except Cancer claims is whichever is lower.
2 times.
Any claims from this rider will not reduce A-Life Joy Xtra
SA
[AIA – PUBLIC]
A-Plus Multi CriticalCare at a glance
Group 1 Group 2 Group 3

1) Angioplasty and Other Invasive Treatments
for Coronary Artery Disease 10) Cardiomyopathy 13) Brain Surgery
2) Coronary Artery By-Pass Surgery 11) Heart Valve Surgery 14) Benign Brain Tumour
3) Heart Attack 12) Surgery to Aorta 15) Blindness – Permanent and Irreversible
4) Kidney Failure 16) Coma
5) Stroke *Major Organ Transplant (Heart) 17) Deafness – Permanent and Irreversible
6) Serious Coronary Artery Disease 18) Loss of Speech
7) Medullary Cystic Disease 19) Third Degree Burns
8) Systemic Lupus Erythematosus with Severe 20) Major Head Trauma
Kidney Complications
*Major Organ Transplant (Kidney)
- * In the event of a claim is made for Major Organ Transplant, subsequent claims cannot be made for
Major OrganGroup Transplant
4 from any one of the four Major Organ Transplant groupings
Group 5
(Group 1, 2, 4 and
Group 6
6) 21)
regardless
End-Stage Lungwhether
Disease it is from the same or a different
25) Alzheimer’s Disease / Severecritical
Dementia illness groupings.
34) Cancer
22) End-Stage Liver Failure 26) Bacterial Meningitis 35) HIV Infection Due To Blood Transfusion
23) Fulminant Viral Hepatitis / 27) Encephalitis 36) Chronic Aplastic Anaemia
24) Primary Pulmonary Arterial Hypertension 28) Loss of Independent Existence
29) Motor Neuron Disease * Major Organ Transplant (Bone Marrow)
*Major Organ Transplant (Liver / Lung / 30) Multiple Sclerosis
Pancreas) 31) Muscular Dystrophy
32) Paralysis of Limbs
33) Parkinson’s Disease
[AIA – PUBLIC]
PREMIUM
WAIVER
COVERAGE
A-Plus Waiver
A-Plus Payor Extra
Extra
[AIA – PUBLIC]
A-Plus Waiver Extra A-Plus Payor Extra
Ensures continuous premium payment if

Ensures continuous premium payment the Parent (Owner):
if the Insured is diagnosed with 44 • passes away; or
Critical Illness or undergoes a covered • suffers Total and Permanent Disability
surgery. (up to age 70); or
• is diagnosed with 44 Critical
Coverage up to the end of the premium Illness/undergoes a covered surgery
payment term.
Coverage is up to the Insured turns 25,
whichever is earlier.
The parent MUST be the owner of the policy to

purchase this rider!

[AIA – PUBLIC]
A-LIFE JOY XTRA
L I F E P ROT E C T I O N
CO M P R E H E N S I V E P ROT E C T I O N
P ROT E C T I O N
[AIA – PUBLIC]
Protecting your child
is important, but it is
equally important to
protect yourself
Not only that, it is also

important for you to
STAY
HEALTHY
for your children
[AIA – PUBLIC]
A-PLUS
PARENTCARE XTRA
Provides death and total & permanent disability
of the parent (owner) &
Encourages healthy living for your family!
[AIA – PUBLIC]
A-PLUS PARENTCARE XTRA
ENTRY COVERAGE SUM

Reminder
AGE TERM ASSURED
This is not a typical life Minimum: RM10,000
18 to 60 years old Up to the
protection child's
for turn
parent!
age 25 Maximum: Subject to
YES NO underwriting
Claim on Total and Permanent Disability (TPD) WILL REDUCE the Sum Assured for A-Plus Parent Term. TPD coverage is up to
age 70 of the parent or the child turns age 25, whichever is earlier.
[AIA – PUBLIC]
A-PLUS
PARENTCARE XTRA
Provide
Vitality Joy
Death & TPD
Wallet
coverage
[AIA – PUBLIC]
A-PLUS PARENTCARE XTRA
A-PLUS PARENTCARE X TRA
ENTRY COVERAGE SUM

AGE TERM ASSURED
Up to when the child Minimum: RM10,000
18 to 60 years old Maximum: Subject to
attains the age of 25
underwriting
The parent MUST be the owner of the

policy to purchase this rider!
Claim on Total and Permanent Disability (TPD) WILL REDUCE the Sum Assured for A-Plus ParentCare Xtra. TPD
coverage is up to age 70 of the parent or the child turns age 25, whichever is earlier.
[AIA – PUBLIC]
Parents can be a good role model for children
to adopt a healthy lifestyle
[AIA – PUBLIC]
Healthy Parents
Happy Children
PARENT
CHILDREN
Attach A-Plus
ParentCare Xtra
VITALITY JOY
Join AIA VItality WALLET
Stay Healthy
[AIA – PUBLIC]
VITALITY JOY WALLET
0.5
Up to 0.5% % of A-Plus
ParentCare Xtra Sum Assured
EVERY
EVERY YEAR will be
YEAR
allocated to your
Vitality Joy wallet until the
child turns age 25.
Notes:
1.Vitality Joy Wallet % shall based on policy owner’s AIA Vitality Status as at forty-five (45) days before the rider anniversary.
2. A-Plus ParentCare Xtra Sum Assured shall equal to the initial Rider Sum Assured or current Rider Sum Assured, whichever is lower.
[AIA – PUBLIC]
RM 100
EVERY
BENEFITS OF
VITALITY JOY WALLET
every year!
YEAR!
Child Vaccination
Dental Care Optical Care Hearing Care
(up to age 15)
• Oral Examination
• Eye Examination & • Hearing Examination &
• Flu Vaccination & Consultation
consultation Consultation
• Hepatitis B • Tooth Extraction
• Cost of Spectacle
• Pneumococcal • Scaling & Polishing
U p o n th e ch i l d tu rn s a ge 2 5 , d e ath o r TPD o f th e p o l i cy ow n e r w h i ch eve r co me s fi rst, th e re mai n i n g Vi tal i ty
J oy Wa l l et a mo u nt w i l l b e cre d i te d i nto Pro te cti o n A cco u nt
[AIA – PUBLIC]
How does the Vitality Joy Wallet work?
• A-Plus ParentCare Xtra Coverage Amount: RM 100,000
• Parent achieves AIA Vitality Gold status every year
SUM: RM6,250
Protection
RM250 every year Account
0.25% of A-Plus ParentCare Xtra coverage
amount during the rider anniversary Age
RM250 25
RM250
- RM 0
Assuming there is
- RM 0
no utilisation of the RM250
EVERY
Vitality Joy Wallet RM250 - RM 0
RM250
- RM 0
YEAR
- RM 0 until the child
RM250
RM250 - RM 0
turns the
age of 25!
- RM 0
Age
0
[AIA – PUBLIC]
How does Vitality Joy Wallet work?
• A-Plus ParentCare Xtra Coverage Amount: RM 100,000
• Parent achieved AIA Vitality Gold status every year
SUM: RM 3,750
Protection
RM250 every year Account
0.25% of A-Plus ParentCare Xtra coverage
amount during the rider anniversary Age
RM250 25
RM250 - RM
Assuming RM100 is used - RM
100
every year for dental RM250 100
checkups RM250
- RM
EVERY
YEAR
100
- RM
RM250 100
- RM until the child
RM250 100 turns the
RM250 - RM
age of 25!
100
- RM
100
Age
0
[AIA – PUBLIC]
Special
Privileges
& Offers
[AIA – PUBLIC]
SPECIAL PRIVILEGES AND OFFERS FOR ALL AIA CUSTOMERS!
At AIA, we are committed to support families in raising healthy, happy and well-adjusted children, so that they can live Healthier, Longer, Better Lives.
From conception and birth, to childhood and beyond, we will be there for you at every step of your family journey.
Enjoy preferential rates and discounts on a range of services offered by our partner hospitals.
HEALTH TCM SERVICES FERTILITY MATERNITY / CHILD POST-NATAL

SCREENINGS AND CARE TREATMENTS DELIVERY VACCINATIONS HOME SERVICES
From as low as Save over Save up to Save up to Get up to Get up to

RM260 RM600 RM4,000 RM1,200 15% off 35% off
for women packages and for TCM fertility care for packages such as for maternity / delivery for vaccinations such as: for postnatal home visit
pre-marital packages In-Vitro Fertilisation (IVF) packages ✓ Bacillus Calmette- by
and Guerin (BCG) a nurse / physiotherapist
Intracytoplasmic Sperm ✓ Hepatitis B (Hep B)
Injection (ICSI) ✓ Varicella (chickenpox)
Partner Healthcare Providers: ✓ Pneumococcal
✓Measles, Mumps &
Rubella (MMR)
✓Human Papillomavirus
(HPV)
Notes:
1. Please refer to the Partner Healthcare Providers website for more details. These special privileges and offers may be varied from time to time, suspended or terminated with or without
any prior notice or reason.
2. Additional healthcare partners, special privileges and offers may be added from time to time.
[AIA – PUBLIC]
How to get these special privileges
and offers at participating HealthCare
Providers?
XXXXX
• Download and install the My AIA app
• Login and open your My AIA main dashboard
• Show the hospital counter/admin your My AIA
dashboard @ registration of visit (Do make sure your
name is displayed on the app)
• Discount will be applied to your bill accordingly*
*Please refer to list of discounts and/or inquire with the participating

HealthCare Providers on the list of services.
[AIA – PUBLIC]
Product Packaging (example)
1. For Pre-natal
2. For post natal
[AIA – PUBLIC]
Pre-Natal Case
Coverage Amount
A-Life Joy Xtra RM50,000
A-Plus BabyCare Xtra Standard Plan
A-Plus ParentCare Xtra RM100,000
A-Plus Health Plan 200 (RM300 deductible)
A-Plus PayorExtra RM 2,700
A-Plus Junior Critical Care RM50,000
A-Plus MedCare
Owner: Mother 32 , non smoker
Coverage Term: till age 70
Minimum Annual Premium: RM 2,700 Account Values @ age 70 : RM 157,600

(RP RM1,200 + A-Plus ScholarSaver RM 1,500)
Note: The above is for illustration purposes only.
[AIA – PUBLIC]
Post-Natal Case
Coverage Amount
A-Life Joy Xtra RM50,000
A-Plus Health Plan 200 (RM300 deductible)
A-Plus ParentCare Xtra RM100,000
A-Plus PayorExtra RM2,256
A-Plus WaiverExtra RM2,256
Mother 32 , non smoker A-Plus Junior CriticalCare RM50,000

Child : 1 year old
Coverage Term till age 70 A-Plus CriticalCare RM50,000
A-Plus MedCare
Minimum Annual Premium: RM 2,256 Account Values @ age 70 : RM 49,200

(RP RM1,200 + A-Plus ScholarSaver RM 1,056)
Note: The above is for illustration purposes only.
[AIA – PUBLIC]
A-Life Joy Xtra
Provides Your Children a Total Child Solution
VITALITY JOY WALLET EARLY &

COMPREHENSIVE
with
PROTECTION
PMCM SERVICES UNDER
A-PLUS MED CARE
• Pre-natal coverage • Access to the world’s leading
• Medical Coverage specialists
• Child Vaccination • Critical Illness Coverage • Review and re-evaluate your
• Dental Care • Premium Waiver Coverage medical condition
• Optical Care • Medical Recommendation
• Hearing Care based on reviewed diagnosis
• Ongoing guidance and support
ENJOY EXCLUSIVE PARENT • Flight Ticket for Overseas
DISCOUNTS & OFFERS PROTECTION Treatment Benefit
FROM OUR PARTNER
HOSPITALS
[AIA – PUBLIC]
Sales illustration
(Pre-natal)

[AIA – PUBLIC]
IPOS
Select “YES” for Pre-Natal
Please input EDD
Auto Select Single Foetus
This screen will appear If the

gestation week less than 14
weeks and compulsory to click
YES or NO
Note: If “Twins” is selected,

customer needs to purchase 2
policies for “Twins”. Application
will be rejected if only 1 application
submitted for “Twins”.

[AIA – PUBLIC]
IPOS
Select YES , IPOS will Proceed
Note: Users are allowed to buy

A-Life Joy Xtra (without
Medical Underwriting)
Select NO. system will prompt

message
Only the insured/Person Covered of A-Life Lady360 / A-LIfe Lady/

A_life Lady 360-i/ A-LIfe Lady-I with less than 14 gestation weeks
can participate in A-Life Joy Xtra /A-Life Ikhtiat via Bundle of Joy
Note: Users are not allowed to proceed

further and required to buy A-Life Joy
Xtra with full underwriting under the
normal product card.

[AIA – PUBLIC]
IPOS
A-Life Joy XTRA is under the “Life
Protection” section

[AIA – PUBLIC]
IPOS
Vitality Tab & Vitality
Membership Checking is refers
to the Owner
If the Owner is not an existing

AIA Vitality member, he/she is
able to enrol the membership
by clicking “Yes”
Select Plan Name
Enter Sum Assured Amount

and Annual Premium
This option is default as “No”.

If you would like
to opt-in Project Sufficient
account value up to coverage
term, please select “YES”.

[AIA – PUBLIC]
IPOS
Enter A-Plus ScholarSaver
premium amount
Select “YES” if would like to opt-

in Policy Charges Deduction from
APS
At the bottom of the Basic Plan

tab, show the Vitality Integrated
Benefit
Healthy Parents, Happy Children.

Your child is able to enjoy the Vitality Joy Wallet when the parent choose to
Healthy Parent, Happy Children.live healthier & better with AIA Vitality
Your child is able to enjoy the Vitality Joy Wallet when the parent choose to live healthier & better with AIA
Vitality.

[AIA – PUBLIC]
IPOS
Proceed to the Fund Allocation
Page with a range of funds

[AIA – PUBLIC]
IPOS
New rider: APPCE
• Extra protection for parent
• Enjoy Vitality Joy Wallet Benefit
New rider: APBCE

• Provide pre-natal coverage
You have the option to select

APMC rider to access International
Starter medical expertise.

[AIA – PUBLIC]
IPOS
To encourage customer to subscribe

AIA Vitality Program. This Vitality
message will pop up before user
proceed to the next page

[AIA – PUBLIC]
IPOS
The Plan Summary Page

[AIA – PUBLIC]
IPOS
New function to show the AIA Vitality

Benefit. The is the summary of Vitality
Joy Wallet benefit.
You can proceed to generate the PDF to

view the Sales Illustration and Product
Disclosure Sheet OR procced to EApp to
submit the proposal.

[AIA – PUBLIC]
Sales illustration
(Post-natal)

[AIA – PUBLIC]
IPOS
Select “NO” for Post-Natal

[AIA – PUBLIC]
IPOS
A-Life Joy XTRA is under the “Life
Protection” section
A-LIFE JOY XTRA

[AIA – PUBLIC]
IPOS
Vitality Tab & Vitality
Membership Checking is refers
to the Owner
If the Owner is not an existing

AIA Vitality member, he/she is
able to enrol the membership
by clicking “Yes”
Select Plan Name
Enter Sum Assured Amount

and Annual Premium
This option is default as “No”.

If you would like
to opt-in Project Sufficient
account value up to coverage
term, please select “YES”.

[AIA – PUBLIC]
IPOS
Enter A-Plus ScholarSaver
premium amount
Select “YES” if would like to opt-

in Policy Charges Deduction from
APS
At the bottom of the Basic Plan

tab, show the Vitality Integrated
Benefit
Healthy Parents, Happy Children.

Your child is able to enjoy the Vitality Joy Wallet when the parent choose to
Healthy Parent, Happy Children.live healthier & better with AIA Vitality.
Your child is able to enjoy the Vitality Joy Wallet when the parent choose to live healthier & better with AIA
Vitality.

[AIA – PUBLIC]
IPOS
Proceed to the Fund Allocation
Page with a range of funds

[AIA – PUBLIC]
IPOS
New rider: APPCE
• Extra protection for parent
• Enjoy Vitality Joy Wallet Benefit
You have the option to select

APMC rider to access International
medical expertise.

[AIA – PUBLIC]
IPOS
To encourage customer to
subscribe AIA Vitality Program.
This Vitality message will pop
up before user proceed to the
next page

[AIA – PUBLIC]
IPOS
The Plan Summary Page

[AIA – PUBLIC]
IPOS
New function to show the AIA
Vitality Benefit. The is the summary
of Vitality Joy Wallet benefit.
You can proceed to generate the PDF

to view the Sales Illustration and
Product Disclosure Sheet OR
procced to EApp to submit the
proposal.

[AIA – PUBLIC]
Total Health
Solution
Cover Page
This is Total Health Solution Cover

page displays at the front of the
sales illustration.

[AIA – PUBLIC]
Vitality Joy
Wallet table
in SI
Vitality Joy Wallet benefit is only

applicable if the owner is AIA Vitality
member and A-Plus ParentCare Xtra
rider is attached.

[AIA – PUBLIC]
Appendix
1. A-Life Joy Xtra Product Benefits
2. Pre-natal Plan Underwriting Requirements
3. A-Plus BabyCare Xtra Exclusions
4. Definitions:
• 19 Types of Congenital Conditions
• 7 Types of Pregnancy Complications
• 4 Types of Child Development Disorder

[AIA – PUBLIC]
A-LIFE JOY XTRA PRODUCT BENEFITS
Benefits Amount of Benefits
Plan Type • Regular Premium Investment-Linked Insurance Plan
Pre-natal:
For existing A-Life Lady360 or A-Life Lady customers only
Entry Age Minimum Maximum
Mother (Policy Owner) 18 years old 45 years old Entry Age Minimum Maximum
Unborn Child (Insured) 13th gestational weeks 35th gestational weeks Mother (Policy 18 years old 40 years old
Unborn Child (Insured) After 20th gestational 35th gestational weeks
Entry Age Owner)
conceived via IVF, IUI, ICI weeks
Post-natal: Unborn Child <14 weeks of gestation
(Insured)
Entry Age Minimum Maximum
Policy Owner 18 years old No Limit
After Birth (Insured) 14 days old 15 years old
Entry Age Minimum

Pre-natal • Before birth and up to 30 days from birth
Refund of premium or Account value, whichever higher
Death Coverage • After 30 days from birth

Basic Sum Assured* + Account Value
Post-natal Basic Sum Assured* + Account Value
Entry Age Minimum

Total and Permanent Pre-natal • Before birth and up to 30 days from birth
Disability (TPD) Benefit Not Applicable
(Accelerated TPD)
-Before age 70 • After 30 days from birth
TPD Sum Assured*
Post-natal TPD Sum Assured*
* Subject to juvenile lien

[AIA – PUBLIC]
Benefits Descriptions
• Up to age 70
• Up to age 80
Coverage Term • Up to age 100
Note: Automatic Extension of Coverage Term Feature will be applied for coverage term age 70 & 80.
• • Minimum Sum Covered : RM6,000.

Sum Assured • • Maximum Sum Covered : Subject to underwriting.
• • Maximum Sum Covered for Pre-Natal : RM250,000.
• The initial or current Sum Assured, whichever is lower, will be increased by 100% (capped at RM100,000) when the insured attains
Auto Growth
age 18, without medical underwriting
A-Plus ScholarSaver • Account Value of A-Plus ScholarSaver will automatically be reinvested into A-Plus Saver upon the insured attaining age 18
(Regular top up) • Premium payable under A-Plus ScholarSaver is eligible for education tax relief (provided that A-Plus PayorExtra rider is attached)
• Upon reaching age 70 or 80 and the policy is in forced, the policy (except for A-Plus WaiverExtra, if any) will continue after the
Maturity Date with Automatic Extension of Coverage Term PROVIDED there is sufficient account value to deduct for the policy charges
and the COI of any attaching riders, up to age 100 of Insured for the basic plan and the maximum coverage age of any attaching riders.
Automatic Extension of Coverage
• The policy shall lapse when the account value have been fully utilised. You may notify the Company in advance to withdraw from the
Term Feature
Automatic Extension of Coverage Term before reaching age 70 or 80.
• Please note that if you choose to withdraw from the Automatic Extension of Coverage Term, the basic plan and all attaching riders
including of A-Plus Health and any Health Wallet amount (if applicable) shall be expired at age 70 or 80.
• A-Plus BabyCare Xtra (new rider) • A-Plus Junior CriticalCare • A-Plus DisabilityCash
• A-Plus ParentCare Xtra (New rider) • A-Plus CriticalCare • A-Plus AccidentShield
Attachable Riders – integrated with AIA Vitality • A-Plus Multi CriticalCare • A-Plus Total AccidentShield
• benefit
A-Plus Health • A-Plus Early CriticalCare A-Plus Venus
• A-Plus MedCare • A-Plus WaiverExtra • A-Plus Venus Extra
• A-Plus HospitalIncome Extra • A-Plus PayorExtra • A-Plus GenNext

[AIA – PUBLIC]
Benefits Descriptions
•Pre-Natal -Pre-Natal specific underwriting
•Post-Natal -Full Underwriting
Underwriting •For mothers (Owner) who has A-Life Lady360 / A-Life Lady has the option to purchase A-Life Joy Xtra and riders
before 14 gestational weeks without medical underwriting
• Specific pre-natal underwriting

Entry Age Minimum
Application Form & Pregnancy Yes (completed by expectant mother)
Questionaire
Obstetrician / Gynecologist Report Report signed by Obstetrician / Gynecologist
2D Ultrasound and blood test Yes
results (2D Ultrasound performed by qualified Ultrasonologist /
Documents Required Gynecologist at the same visit)
• Allow singleton from in-vitro fertilization (IVF), Intrauterine Insemination (IUI) and Intracervical
Insemination (ICI) for gestation > 20 weeks
Below are the documents required:
(i) Ultrasound Scan Test (USG) for Week 18-20; and
(ii) Latest USG (within 1 month) Scan Test; and
(iii) Pregnancy Questionnaire (To be Completed by Proposed Life/Expectant Mother); and
(iv) Pregnancy Questionnaire (To be completed by Obstetrician & Gynaecologist); and
(v) Any other supporting documents as required by our underwriter.

[AIA – PUBLIC]
A-PLUS BABYCARE XTRA EXCLUSIONS
1. Pregnancy conceived through artificial insemination and/or assisted conceptions including any condition that arises directly or
indirectly due any complications resulting from the fertility treatment, other than pregnancy conceived via In-Vitro Fertilization (IVF),
Intrauterine Insemination (IUI) and Intracervical Insemination (ICI);
2. Pregnancy with more than two foetuses;
3. Any Pre-existing Illness prior to the effective date of the policy;
4. Hospitalisation primarily for investigatory purposes, diagnosis, X-ray examination, general physical or medical examinations, not
incidental to treatment or diagnosis of a covered Disability or any treatment which is not Medically Necessary and any preventive
treatments, preventive medicines or examinations carried out by a Physician, vitamins/food supplements and treatments specifically
for weight reduction or gain;
5. Any treatment or investigation which is not Medically Necessary, or convalescence, custodial or rest care;
6. Human Immunodeficiency Virus (HIV) and/or any HIV related illness including Acquired Immune Deficiency Syndrome (AIDS) and/or
any mutations, derivations or variations thereof;
7. A self-inflicted injury or attempted suicide while sane or insane;
8. Intoxication by substance, alcohol or drugs not prescribed by a medical practitioner;
9. Dental care and/or treatment, cosmetic surgery, eye glasses, corrective aids and treatment of refractive errors or any optional surgery;
10. Experimental or unlicensed treatment or test;
11. Any event giving rise to a claim on the Insured caused directly or indirectly by the intentional act of the policy owner or person who will
otherwise be entitled to the benefit payable;
12. The use of unprescribed drugs where such drugs as required by law are to be prescribed by a registered medical practitioner; or
13. The mother opts for Elective (Voluntary) Medical or Surgical Termination of Pregnancy other than for certified medical reasons and
other than by certified medical process under the supervision of a registered Physician or Specialist.

[AIA – PUBLIC]
Pre-natal Plan Underwriting
Requirements
[AIA – PUBLIC]
Underwriting Training
1. Basic Underwriting guideline & requirements
2. Decline risk for Prenatal Plan
- Pre-existing medical conditions of the expectant mother
- Abnormal previous / current pregnancy
3. Common deferments
4. Reminder / Checklist
[AIA – PUBLIC]
Underwriting Guidelines
Notes:
Age of entry Min Age Max Age Natural conception
If the customer is having twins, she must
purchase 2 policies (1 policy for each
Mother 18 years old 45 years old child). Purchase only 1 policy is not
allowed.
Conception via IVF, IUI & ICI

Limited to Singleton pregnancy only (i.e.
Pregnancy Gestational pregnancy with one fetus)
Min Max
weeks
Natural conception 13 weeks 35 weeks
Conception via IVF, IUI & ICI After 20 weeks 35 weeks
98 AIA confidential and proprietary information. Not for distribution.
[AIA – PUBLIC]
Natural Conception
Gestational Weeks* Requirements
o Pregnancy Questionnaire by Expectant mother **Questions built in iPoS
o Pregnancy Questionnaire completed and signed by Obstetrician and

Gynaecologist (O&G)
13 to 35 gestational weeks
o Ultrasound report with interpretation done by Obstetrician &
Gynaecologist (4 weeks validity)
o Application would not be considered.

More than 35 gestational
weeks
o To purchase post-natal plan after baby born.
*at point of application’s submission date
[AIA – PUBLIC]
Conception via IVF, IUI, ICI
Gestational Weeks* Requirements
Up to 20 gestational weeks o Decline
o Pregnancy Questionnaire by Expectant mother **Questions built in iPoS
o Pregnancy Questionnaire completed and signed by Obstetrician and

Gynaecologist (O&G)
More than 20 to 35 gestational
weeks o Ultrasound report with interpretation done by Obstetrician &
Gynaecologist (4 weeks validity)
o Any supporting documents as required
*at point of application’s submission date
[AIA – PUBLIC]
Decline risk for Prenatal Plan
o Expectant mother who is smoking or consuming alcohol during current pregnancy
o Expectant mother who has significant medical conditions as below :
1. Hypertension (raised blood pressure)
2. Abnormal pre-pregnancy build : underweight <BMI 18 and overweight >BMI 32
3. Diabetes / raised blood glucose
4. Thyroid disorders with abnormal thyroid function
5. Cardiovascular disorder (stroke, coronary artery disease)
6. Cancer
7. Presence of large uterine fibroid / ovarian cyst
8. Both parents known Thalassemia minor or one parent known of Thalassemia major
9. Hepatitis B on treatment
10. Chronic medical conditions requiring long term treatment
[AIA – PUBLIC]
Decline risk for Prenatal Plan
o During previous pregnancy(ies) or current pregnancy with the condition(s) listed below :
1. Gestational hypertension / Gestational Diabetes / Proteinuria / Glycosuria
2. Antepartum Haemorrhage / Vaginal bleeding
3. Anaemia with Hb <10g/dl
4. Eclampsia / Pre-eclampsia
5. Abnormal placenta (low lying / placenta praevia)
6. Amniotic fluid embolism
7. Acute fatty liver / fatty liver of pregnancy
8. Disseminated Intravascular Coagulation (DIC) / coagulation disorders
9. History of siblings / children having congenital disorders / defects
[AIA – PUBLIC]
Common deferments
1. Ultrasound submitted without O&G interpretation
2. Ultrasound done more than 4 weeks validity
3. Pregnancy Questionnaire not completed by O&G
4. Copy of antenatal reports as mentioned in the questionnaire was not enclosed together
5. Copy of antenatal follow up booklet was not submitted (for those also follow up under
government clinic)
6. Incomplete information or omission in Pregnancy Questionnaire by O&G
[AIA – PUBLIC]
Ultrasound without O&G interpretation is not acceptable
[AIA – PUBLIC]
Ultrasound report with interpretation done by O&G
Pls provide details and result of Ultrasound done in Pregnancy questionnaire – Part D
[AIA – PUBLIC]
Pls state the result in the ultrasound done
with O&G signature & stamped
✓ with expectant mother name and ID
✓ date of ultrasound test done
✓ result of the ultrasound test
✓ O&G signature and stamping
O&G interpretation
[AIA – PUBLIC]
[AIA – PUBLIC]
Checklist – Complete Pregnancy Questionnaire Page 1
1. Expectant Mother’s name & IC No.
2. History of 1x episode miscarriage, next to obtain

info – which trimester and cause via Amendment
Form [if this not mentioned in Part B 1(i)]
3. Ensure questionnaire is completed for the latest monthly

antenatal check up
4. Total weight increased / gained throughout

the pregnancy to-date (in kg)
5. Ensure all questions are ticked / answered
[AIA – PUBLIC]
6. Ensure all questions are ticked / answered
7. Part D – Details of latest Ultrasound done within 4 weeks

are included
[AIA – PUBLIC]
8. Ensure reports as mentioned are submitted for review
9. Questionnaire is completed by O&G with Dr’s name,

signature & official stamp, date, name & address of
clinic/hospital provided
[AIA – PUBLIC]
19 types of Congenital Conditions
(extraction from policy contract)
[AIA – PUBLIC]
Congenital Conditions
1. Ventricular Septal Defect

• A hole in the partition (septum) between the left and
right ventricle (lower chambers) of the heart
permitting abnormal circulation from the left side of
the heart to the right side.
• Claims shall only be admitted if the condition

warrants surgical closure for the reversal of
haemodynamic abnormalities and the prevention of
heart failure, paradoxic embolisation or irreversible
pulmonary vascular disease, as recommended by a
Paediatric Cardiologist
[AIA – PUBLIC]
2. Cerebral Palsy
• A persisting, non-progressive disorder of movement
resulting from damage to the brain before, during or
immediately after birth.
• The diagnosis of celebral palsy must be confirmed by

a medical specialist.
[AIA – PUBLIC]
3. Atrial Septal Defect

• A hole in the partition (septum) between the left and
right atrium (upper chambers) of the heart permitting
abnormal circulation from the left side of the heart to
the right side.
• Claims shall only be admitted if the condition

warrants surgical closure for the reversal of
haemodynamic abnormalities and the prevention of
heart failure, paradoxic embolisation or irreversible
pulmonary vascular disease, as recommended by a
Paediatric Cardiologist.
[AIA – PUBLIC]
4. Tetralogy of Fallot
An anatomic abnormality with a combination of:
1. Severe or total right ventricular outflow tract

obstruction;
2. A ventricular septal defect;
3. Dextroposition of the aorta with septal override;
and
4. Right ventricular hypertrophy as confirmed by an
echocardiogram.
[AIA – PUBLIC]
5. Transposition of Great Vessels

• Complete transportation of the aorta and pulmonary
artery such that the right ventricle of the heart
pumps blood from the systemic veins into the aorta
and the left ventricle pumps blood from the
pulmonary veins into the pulmonary artery.
• The diagnosis must be confirmed by an

echocardiogram.
[AIA – PUBLIC]
6. Coarctation of the Aorta

• A congenital heart defect involving a narrowing of
the aorta.
• The diagnosis must be confirmed by a cardiologist

supported by an echocardiogram and invasive
surgery must be performed to correct the condition.
[AIA – PUBLIC]
7. Infantile Hydrocephalus
• The enlargement of the cerebrospinal fluid (CSF)
spaces resulting from obstruction of flow pathway
between the secretion sites in the ventricles and
absorption sites in the subarachnoid space.
• Claims shall only be admitted if the condition is

serious enough to warrant the placement of a shunt.
[AIA – PUBLIC]
8. Spina Bifida
• Defective closure of the spinal column due to
neural tube defect with a resultant
meningomyelocele or meningocele and
associated neurological deficit
[AIA – PUBLIC]
9. Cleft Lip with / without

Cleft Palate
• The diagnosis of Cleft Plate and/or Cleft
Lip by a medical specialist.
• Surgery must be performed to correct the

abnormally.
[AIA – PUBLIC]
10. Congenital Cataract

• Clouding of the lens of one or both eyes that is
present at birth.
• Benefits shall only be payable where Confinement to

a Hospital is required directly for cataract removal
surgery.
[AIA – PUBLIC]
11. Congenital Deafness

• Loss of hearing of both ears present at birth.
• Benefit shall only be payable where Confinement to

a Hospital is required directly for the treatment of
the congenital deafness.
[AIA – PUBLIC]
12. Anal Atresia

• The absence of a normal anal opening.
• Claims shall only be admitted for cases with high

imperforated anus needing colostomy. Normal
Abnormal
[AIA – PUBLIC]
13. Oesophageal Atresia Normal

• A failure of the oesophagus to develop as a
continuous passage.
• The diagnosis Congenital oesophageal atreasia must Abnormal

be confirmed by a medical specialist and invasive
surgery must be performed to correct the
abnormality.
[AIA – PUBLIC]
Abnormal
14. Congenital Diaphragmatic Hernia
• A failure of the oesophagus to develop as a

continuous passage.
• The diagnosis Congenital oesophageal atreasia must

abnormality.
Normal
[AIA – PUBLIC]
15. Tracheo-oesophageal Fistula Normal

• An abnormal connection between the oesophagus
and trachea.
• The diagnosis if Tracheo-oesophageal Fistula must Abnormal

abnormality.
[AIA – PUBLIC]
16. Absence of two limbs

Congenital absence of two limbs
• Absence of both arms at or above the wrist or both
legs at or above the ankle joints or absence of one
arm at or above the wrist and one leg at or above
the ankle joint, which is confirmed by an appropriate
medical Specialist after birth.
[AIA – PUBLIC]
17. Down Syndrome

• A specific chromosomal abnormality, consisting of a
variable constellation of abnormalities caused by
triplication or translocation of chromosome 21.
• The diagnosis must be supported by chromosome

analysis with the presence of retardation of physical
and mental development.
[AIA – PUBLIC]
18. Truncus Arteriosis

• A congenital disorder characterized by a single great
vessel (truncus) which arises over a ventricular
septal defect.
• The diagnosis must be confirmed by an appropriate

medical Specialist and supported by an
echocardiogram. Invasive surgery must be
performed to correct the condition.
[AIA – PUBLIC]
19. Retinopathy of Prematurity

• Retinopathy resulting from premature birth
requiring laser treatment, cryotherapy or other
forms of surgical treatment.
• Confirmation of treatment by ophthalmologist and

proof of actual undergoing of the laser, cryotherapy
or surgical procedure is required.
[AIA – PUBLIC]
7 types of Pregnancy Complications
[AIA – PUBLIC]
Pregnancy Complications
1. Disseminated Intravascular
Coagulation
• An over activation of the coagulation and fibrinolytic system
resulting in microvascular thrombosis, consumption of
platelets and coagulation factors and major hemorrhage
requiring treatment with frozen plasma and platelets
concentrates.
• The Diagnosis must be confirmed by an appropriate medical

Specialist. Only disseminated intravascular coagulation due
to complications of pregnancy is covered.
• Any disseminated intravascular coagulation arising during

the first seven (7) months of pregnancy is excluded.
[AIA – PUBLIC]
2. Eclampsia
A condition in pregnancy whereby the following must
all be present:
(i) Hypertension;
(ii) Convulsions/seizures;
(iii) Proteinuria; and
(iv) Oedema
The diagnosis of Eclampsia must be confirmed by a

specialist.
[AIA – PUBLIC]
3. Abruptio Placentae
Premature separation of the

placenta from the uterine wall
that has caused fetal death or has
required emergency caesarean
section.
[AIA – PUBLIC]
4. Amniotic Fluid Embolism
Entering of amniotic fluid into the maternal circulation

that has caused life threatening pulmonary edema or
cardiac arrest in the Life Insured or fetal death.
[AIA – PUBLIC]
5. Acute Fatty Liver of Pregnancy (AFLP)

during Pregnancy
• A pathologic entity unique to pregnancy and
characterized by micro fascicular fatty infiltration of
the liver leading to fulminant hepatic failure
• Defined as the acute onset of encephalopathy,

within eight (8) weeks of Diagnosis of liver disease in
a patient with no prior history of liver dysfunction.
[AIA – PUBLIC]
6. Placenta Increta/ Percreta

• The abnormal adherent of the placenta to the
myometrium resulting in severe hemorrhage
requiring surgical removal of the placenta.
• The Diagnosis must be made by an appropriate

medical Specialist and confirmed by histological
evidence.
[AIA – PUBLIC]
7. Postpartum Hemorrhage
requiring Hysterectomy
• An ongoing bleeding secondary to an
unresponsive and atonic uterus, a ruptured
uterus, or a large cervical laceration extending
into the uterus requiring hysterectomy.
• The Diagnosis must be made by an appropriate

medical Specialist and proof of actual
undergoing of hysterectomy is required.
[AIA – PUBLIC]
4 types of Child Development Disorder
[AIA – PUBLIC]
Child Development Disorder
1. Autism Spectrum Disorder –
Level 2 severity
Requiring substantial support, which comprises of the following
criteria:
• Social communication – marked deficits in verbal and nonverbal

social communication skills; social impairments apparent even
with supports in place; limited initiation of social interactions; and
reduced or abnormal responses to social overtures from others.
• Restricted interest and repetitive behaviors – inflexibility of

behavior, difficulty coping with change, or other
restricted/repetitive behaviors appear frequently enough to be
obvious to the casual observer and interfere with functioning in a
variety of contexts. Distress and/or difficulty changing focus or
action.
[AIA – PUBLIC]
2. Attention Deficit Hyperactivity Disorder - Severe
The presence of symptoms in excess of those required to make the diagnosis of
Attention Deficit Hyperactivity Disorder (ADHD), or the presence of several ADHD
symptoms that are particularly severe; or the ADHD symptoms have resulted in
marked impairment in social or occupational functioning.
The symptoms of ADHD are as below:

• Combination of all three core features; Inattentive, Hyperactivity and
Impulsive are present and ADHD is diagnosed when more than or equal to (“
≥”) six (6) symptoms of hyperactivity/impulsivity and ≥ six (6) symptoms of
inattention have been observed for ≥ six (6) months.
• Inattentive – ADHD is diagnosed if ≥ six (6) symptoms of inattention (but less
than (“<”) six (6) symptoms of hyperactivity/impulsivity) have persisted for ≥
six (6) months.
• Hyperactive/Impulsive – ADHD is diagnosed if ≥ six (6) symptoms of
hyperactivity/impulsivity (but < six (6) symptoms of inattention) have been
present for ≥ six (6) months.
Individual with ADHD may have both; Inattention and Hyperactivity/Impulsivity,

or either one of them may predominate.
[AIA – PUBLIC]
3. Dyslexia
• A dysfunction of the left side of the brain (cerebral cortex) and
does not change with age.
• Dyslexia causes a learning disorder that involves difficulty reading

due to problems identifying speech sounds and learning how
they relate to letters and words.
[AIA – PUBLIC]
4. Gross Motor or Speech Developmental Delay
The inability to perform either of the following tasks by the actual attained age of
twenty-eight (28) months from the date of birth of Insured as confirmed by a neuro-
developmental pediatrician:
• Walk up several steps of a staircase by himself or herself. The wall or rail may be used
for support but not aided by a person; OR walk without aid over a distance of two (2)
meters; or
• Say at least three (3) words other than “Papa/Mama”, which mean the same things
each time he/she uses them; OR speak simple words such as “Papa/Mama”; OR use
spontaneous (non-echoed/nonamidated) 2-word phrases.
• The assessment and associated evidence of the inability to carry out the required
tasks must be performed when the Insured has attained the age of twenty-eight (28)
months or older.
• Any identifiable post-natal cause resulting in the inability to perform any of the above
tasks will be excluded.
• Any other independent neurodevelopment assessments done for gross motor and/or
language development may be required in order to adjudicate this Benefit.
[AIA – PUBLIC]
Child Development Disorder T&C
If the Insured is diagnosed by a registered psychiatrist in Child Development Disorder, We shall
reimburse the Reasonable and Customary Charges incurred for the Medically Necessary treatment of
Child Development Disorder subject to the following conditions:
• The Insured has undertaken any one (1) of the following therapies:
- cognitive behavioral therapy,
- occupational therapy,
- speech therapy, or
- other relevant therapy which is to be provided by a registered para-medical professional in a
registered care centre on recommendation of the treating psychiatrist;
• The diagnosed condition persists for a period of at least six (6) months despite optimal therapy.
• The Insured is below the age of five (5) years.
The aggregate total amount of benefits payable under Hospitalization Benefit due to Covered
Congenital Conditions and Child Development Disorder Benefit shall not exceed the annual limit as
stated in the Schedule of Benefits, where applicable.
[AIA – PUBLIC]
aia.com.my
DISCLAIMER
For internal staff and agent training only. This
document is not a sales material and cannot be used
for circulation to prospects. It serves only as a training
guide to the agent in the selling concept of the
products mentioned. In the actual selling process, the
customer’s needs, affordability and preference must
be considered to deliver fair value to the customer. The
detailed product benefits and cost must be explained to
help customers make informed decisions. Only AIA
authorized sales materials are to be used when
prospecting.
What are the important moments for a woman?
Graduation Getting the Starting a

first job relationship
Getting
married
Retirement Starting her Getting

own family pregnant
147
Introducing
A-Life Lady
A comprehensive female plan
that meets your needs
A standalone non-par plan

Fulfilling your needs as a
woman, up to age 80
Applicable from
16– 45 years old
148
GIFT Cash
of Joy REWARD
2 3
BUNDLE Female
of Joy 1
4
ILLNESS
A-Life Lady
integrated with
5
8
MATURITY
Benefit Female CARE
7
6
Female
Death & TPD
PREGNANCY
149
BUNDLE
of Joy 1
KEY BENEFITS
150
1 BUNDLE of Joy
A unique solution that connects the mother and the child
A-Life Lady customer can purchase an insurance

plan for the child (A-Life Joy Xtra) as early as less
than 14th weeks pregnancy WITHOUT medical
underwriting.
Note: Please refer eligible criteria in appendix 1. 151

Who can purchase an
1 BUNDLE of Joy insurance for the baby?
Depends on customer in which week of pregnancy?
Buy A-Life Joy Xtra with
After 4 months
Less than 14th weeks
of pregnancy NO
underwriting*
Bought
A-Life
Lady
Buy A-Life Joy Xtra with
14th – 35th weeks

of pregnancy NORMAL
underwriting
Bundle of Joy *No medical underwriting

152
1 BUNDLE of Joy
Eligibility Criterias for Bundle of Joy:
Up to
Age 18-40 during Does not smoke Pregnancy not more

Pregnancy less
pregnancy during pregnancy than 2 foetuses
than 14 weeks
Purchased A-Life Not undergone Did not perform any Mother and spouse are
Lady more than 4 artificial insemination prenatal genetic not diagnosed with AIDS
months testing / HIV infection

GIFT
of Joy
2
BUNDLE
of Joy 1
KEY BENEFITS
154
2 GIFT of Joy
Be REWARDED when you purchase

A-Life Joy Xtra during pregnancy
(less than 35th weeks)
1% of sum assured
3% of sum assured
or for every approved A-Life

for every approved
Joy Xtra policy with A-Plus
A-Life Joy Xtra policy
with or without other BabyCare Xtra and with or
investment-linked riders without other investment-linked
riders
• Customer can attach all the eligible investment-linked riders to A-Life Joy Xtra at pregnancy stage.
• This benefit is applicable for each pregnancy.
• This benefit is only payable once for the same Insured of A-Life Joy Xtra.
• This benefit will be payable after the birth certificate is submitted. 155
1 BUNDLE of Joy
REAL solution solves REAL problems
Secure a protection plan for your

child earlier (< 14 weeks of Be Rewarded with
gestation) with Bundle of Gift of Joy.
Your customers will be
Joy, NO medical underwriting is happy to inform you.
required! 156
GIFT Cash
of Joy REWARD
2 3
BUNDLE
of Joy 1
KEY BENEFITS
157
3 CASH Reward
We are with you for all your important moments
Childbirth Golden age

Marriage
reward reward
reward (payout@ age 55)
Up to
3% 3% 12%
of sum assured will be
of sum assured will be of sum assured will be payable as Cash Reward
payable as Cash payable as Cash (deduct any previous payout
Reward Reward on Marriage reward and
Childbirth reward)
Total up to 12% of sum assured

o The benefit payable shall NOT reduce the sum assured.
o Cover marriage and/or childbirth events that happen on the 2nd policy year and onwards
o First cash reward is payable after the premiums for the first 2 policy year are fully paid.
o Subsequent cash reward is payable on the next policy anniversary subject to full premium payment of the respective claim policy year 158
GIFT Cash
of Joy REWARD
2 3
BUNDLE
Female
of Joy 1
4 ILLNESS
KEY BENEFITS
159
Carcinoma in Female Cancer or
4 Female ILLNESS situ in Female
Organs
Systemic Lupus
Erythematosus
Power Reset
Below are the Female Organs covered under

Upon diagnosis of Carcinoma in situ and cancer:
Carcinoma in situ
of Female Organ :
50% of
sum
assured
o This benefit is only claimable once.

Female organs are Breast; Cervix Uteri; Uterus; Fallopian Tube;
o Upon claims, the benefit payable shall reduce the Vulva/Vagina; Ovary
sum assured of Female Illness Benefit
160
Organs
Systemic Lupus
Erythematosus
Power Reset
Upon diagnosis of
i. Female cancer or
ii. Systemic Lupus Erythematosus (SLE) with Severe Kidney Complications
we will pay the

HIGHER of
Cash Value
100%
100% of Sum
Assured
of Sum Assured
Or Cash Value
Age 80
o After payout on Female Cancer or Systemic Lupus Erythematosus with Severe Kidney
Complications, policy will be terminated. 161
Organs
Systemic Lupus
Erythematosus
Power Reset
Upon diagnosis of Female

Carcinoma in situ 12 months after diagnosis
Power Reset
Female Carcinoma in situ
Power
Reset
Reset to
Sum Assured
benefit
100%
activate of sum assured
(SA)
50%
payout
If Female 1
WITHIN 12 months from 2 AFTER 12 months from the
the diagnosis of Female diagnosis of Female Carcinoma
cancer Carcinoma in situ in situ
claim is
made:
50% o Sum Assured or Cash
100
SA Value, whichever is % SA
higher, will be paid.
162
GIFT Cash
of Joy REWARD
2 3
BUNDLE
Female
of Joy 1
4 ILLNESS
KEY BENEFITS
5
Female CARE
163
Lump sum
5 Female CARE payment of
Female RM5,000
emale (claimable once per
CARE 30% of Sum Assured CARE policy)
(Claimable up to 2 events. Limited to 1 claim per event)
7
1 2 3
Medical Complication due to

Female organ removal: Elective Cosmetic Surgery
Reconstructive
Breast, Cervix Uteri, Uterus,
Surgery : Osteoporotic
Fallopian Tube, Vulva/Vagina Fracture - Hip or 8
or Ovary Breast, Cervix Uteri, Vertebrae
Vulva/Vagina
5
4 6
Menopause Treatment
9
Severe
Facial Reconstructive Skin Grafting due to
Rheumatoid
Surgery due to Accident or Skin
Arthritis
Accident or Cancer cancer
o The benefit payable shall NOT reduce the sum assured.
Psychotherapy Treatment
o More details on Elective Cosmetic Surgery in Appendix 2
5 Female CARE
Upon payout of
Female Cancer
100%
of Sum
Policy will be
Benefit: assured
terminated
(SA)
To ensure you have a confident new

Upon payout
Female Cancer
beginning after your battle with cancer!
below:
30% of
Automatic 30% 30% of SA
i. Breast SA
100% Payout of SA
ii. Cervix Uteri

of SA
iii. Vulva/Vagina
Removal of Reconstructive
female organ Surgery
30% of
i. Uterus Automatic
100% Payout
30% SA
ii. Ovary of SA
of SA
iii. Fallopian Tube
Removal of female
organ 165
GIFT Cash
of Joy REWARD
2 3
BUNDLE
4 Female
of Joy 1
ILLNESS
KEY BENEFITS
5
Female CARE
Female
6 PREGNANCY
166
6 Female Pregnancy
10% of sum assured

o Coverage is up to age 45.
o The benefit payable shall NOT
reduce the sum assured.
1. Disseminated Intravascular Coagulation (after 7 months of pregnancy)

2. Eclampsia
4. Acute fatty liver of pregnancy (AFLP) during Pregnancy
5. Molar Pregnancy 9. Late Miscarriage (18th to

6. Ectopic Pregnancy 28th week of gestation)
10. Death of foetus (after
8. Placenta Increta/Percreta
28th week of gestation)
167
o Please refer to Appendix 3 for each conditions definition
GIFT Cash
of Joy REWARD
2 3
BUNDLE
Female
of Joy 1
4 PREGNANCY
KEY BENEFITS
5
Female CARE
7
6
Female
Death & TPD ILLNESS
168
7 Death or TPD
Upon death or Total and 100% of Sum Assured

Permanent Disability (TPD), or Cash Value,
we will pay:
whichever is higher
Amount
Cash Value
Sum Assured
Age 80
Note: TPD coverage up to age 65 of Insured. 169
GIFT Cash
of Joy REWARD
2 3
BUNDLE
Female
of Joy 1
4 PREGNANCY
KEY BENEFITS
5
8
MATURITY Female CARE
benefit
7
6
Female
Death & TPD ILLNESS
170
8 MATURITY benefit
Celebrate a significant
milestone of your life
Purchase A-Life Payable upon maturity

Lady at age 80
Upon maturity, we will pay
150%
of the Sum Assured
171
Benefits at a Glance: A-Life Lady
No. Number of Coverage Units 1 2 3 4 5 6 Waiting
Period
Sum Assured (RM) 50k 100k 150k 200k 250k 300k (days)
Max per life RM300k
1. Basic Benefit 100% of the Sum Assured or Cash value,

Nil
Death or TPD1 Benefit whichever is higher
Female Illness Benefit

(a)Female Carcinoma in situ - Breast; Cervix Uteri; Uterus; Fallopian Tube; 50% of Sum Assured (claimable once) 60
Vulva/Vagina; Ovary Power Reset to 100% sum assured after 1 year
2.
(b) Female Cancer- Breast; Cervix Uteri; Uterus; Fallopian Tube; Vulva/Vagina;
100% of the Sum Assured or Cash value, 60
Ovary
whichever is higher
(c) Systemic Lupus Erythematosus with severe Kidney Complications 30
Female Care Benefit

(a)Removal of Female Organ - Breast; Cervix Uteri; Uterus; Fallopian Tube; 60
Vulva/Vagina; Ovary
(b) Reconstructive Surgery of Breast; Cervix Uteri; Vulva/Vagina 60
(c) Osteoporotic Fracture - Hip or Vertebrae 30% of Sum Assured, up to 2 claims per policy. 60
Claimable only once for each event.
3. (d) Severe Rheumatoid Arthritis 60
(e) Facial Reconstructive Surgery due to Accident or Cancer Nil
(f) Skin grafting due to Accident or Skin cancer Nil
(g) Medical Complications due to Elective Cosmetic Surgery 60
Lump sum payment of RM5,000
(h) Menopause Treatment 1 year
(Claimable once)
(i) Psychotherapy Treatment Nil
1 TPD coverage is up to age 65 of the Insured
No. Number of Coverage Units 1 2 3 4 5 6 Waiting
Period
Sum Assured (RM) 50k 100k 150k 200k 250k 300k (days)
Female Pregnancy Benefit2

(a)Disseminated Intravascular Coagulation (after 7
months of pregnancy) 1 year
(b)Molar Pregnancy (excluding
(c) Ectopic Pregnancy pregnant
(d)Eclampsia ladies with
(e)Late Miscarriage (18th – 28th week of gestation) 10% of the Sum Assured gestation
4.
(f) Death of Foetus (28th week of gestation and (Claimable once) period of
onwards) more than 14
(g)Abruptio Placentae weeks at
(h)Amniotic Fluid Embolism policy
(i) Acute fatty Liver of Pregnancy (AFLP) during inception)
pregnancy
(j) Placenta Increta/Percreta
Cash Reward 3% of sum assured will be paid for marriage and childbirth.
5. (a)Marriage (per marriage) Total up to 12% of the sum assured will be paid, less any amount paid Nil
(b)Childbirth (per delivery) for marriage and childbirth (if any)
(c) Golden Age (payout at age 55)
1% of the sum assured for every approved application of A-Life Joy
Xtra
OR
6. Gift of Joy 3% of the sum assured for every approved application of A-Life Joy
Nil
Xtra together with A-Plus BabyCare Xtra
(Provided the application is submitted within 35 gestation weeks)
7. Maturity Benefit (payable @age 80) 150% of sum assured Nil
For gestational period <14 weeks, insured is allowed to purchase new
8. Bundle of Joy child plan and all attachable riders without any medical underwriting
120
1 TPD coverage is up to age 65 of the Insured

2 Female Pregnancy benefit is up to age 45 of the Insured
AIA Vitality - Yearly Cash Bonus
• At the end of first year, 10% of the basic premium is payable as Yearly
Cash Bonus.
• Yearly Cash Bonus will increase or decrease depends on the AIA Vitality
Status that you will achieved. Please refer to the table below for the
percentage that will impact your Yearly Cash Bonus.
• Total Yearly Cash Bonus % is capped at 50%.
AIA Vitality
Platinum Gold Silver Bronze
Status
Flex % +1% 0% -2% -4%
(More details in Appendix 4) (same as A-Life Cancer360)

Scenario: Premiums and Total Cash Reward
Getting married Childbirth Golden Age
Age 30, non smoker Age 32 Age 33 Age 55
Purchase A-Life Lady with

SA RM100k,
pays RM 2,900 annually
Rewarded with Rewarded with Rewarded with

RM 3,000 RM 3,000 RM 6,000
Note: At age 55, we will
Annual Premium for SA RM100k paid 12% of sum assured
For age 25 = RM 2,500 deduct any previous payout
For age 35 = RM 3,680 on Marriage reward and
Childbirth reward, if any
Up to Up to
GIFT Cash
3% 12%
of Joy of sum assured REWARD
of sum assured
BUNDLE Unlimited
3 Female
of Joy 2
ILLNESS
Secure an insurance plan
for the child, even 1
4
100% of sum
before birth, assured or cash value

whichever higher
no underwriting
MATURITY 8
5 Female CARE
Benefit
30% of sum assured
150% 7
x 2 times
of sum assured 6 Female
Death & TPD PREGNANCY
100% of sum assured or 10% of sum assured
cash value whichever higher
176
A-Life Lady
177
A-Life Lady
APPENDIX
178
Product Structure & Design
Features and Benefits A-Life Lady

Plan Type Standalone Non-Par Plan
Entry Age 16 years old – 45 years old
Min: 1 unit; Max: 6 units

Sum Assured each units with RM50,000
Max RM300,000 per life
Coverage Term Up to age 80
Premium Paying Term Full pay up to age 80
Underwriting Requirement As per existing full underwriting questionnaire
Occupational Loading May be imposed for sub-standard life
Medical Loading May be imposed for sub-standard life
Up to 6 months risk backdating.

Risk Backdating No risk backdating before product launch date
Juvenile Lien No
179
Product Structure & Design
Features and Benefits A-Life Lady

Premium Rate Not guaranteed
Premium Payment Mode Multiple Annual Premium by

Annual 1.000
Premium Payment Mode and
Semi Annual 0.515
Modal Factor
Quarterly 0.2575
Monthly 0.087
Future Premium Deposit Option

Not applicable
(FPDO)
o Cash Surrender
Non-Forfeiture option o Reduced Paid-up
o Automatic Premium Loan(APL)
Applicable
Policy Loan (Up to 85% of guaranteed cash value)
Grace Period 31 days from the premium due date for payment of each subsequent premium
Free-look Period Within 15 days after the Policy Owner received the policy
180
APPENDIX
BACK
2
Type of Elective Cosmetic Surgery
• Hair Replacement Surgery • Breast Augmentation

• Browlift • Breast Lift
• Cheek Implants • Breast Reduction
• Chin Augmentation • Upper Body Lift
• Chin Reduction • Arm Contouring
• Cosmetic Eyelid Surgery
• Facelift • Buttock Lift
• Neck Lift • Calf Implants
• Mandibular implants • Labiaplasty
• Otoplasty (ear surgery) • Liposuction
• Rhinoplasty (nose surgery) • Lower Body Lift
• Thigh Lift
181
APPENDIX
BACK
3
Female Pregnancy Definition

1. Disseminated Intravascular Coagulation
❖ Over-activation of the coagulation and fibrinolytic

system resulting in micro vascular thrombosis,
consumption of platelets and coagulation factors, and
major haemorrhage requiring treatment with frozen
plasma and platelet concentrates.
❖ Only Disseminated Intravascular Coagulation of the

mother caused as a result of complication of
pregnancy is covered.
❖ The diagnosis of Disseminated Intravascular

Coagulation as a pregnancy complication must be
confirmed by a consultant hematologist. D.I.C. from
abortion or arising during the first seven (7) months of
pregnancy is excluded.
182
APPENDIX (cont.)
BACK
3

2. Molar Pregnancy
❖ The development of fluid-filled cysts in the

uterus after the degeneration of the chorion
during pregnancy which results in the death of
the embryo.
❖ Invasive choriocarcinoma is excluded.
❖ The diagnosis of hydatidiform mole must be

confirmed by a gynecologist or obstetrician
and supported by a histopathological report.
183
APPENDIX (cont.)
BACK
3

3. Ectopic Pregnancy
❖ A pregnancy in which implantation of a fertilized ovum occurs outside the

uterine cavity but in the fallopian tube.
❖ The Ectopic Pregnancy has to be terminated by laparotomy of laparoscopic

surgery.
❖ The diagnosis must be supported by a histopathological report.
184
APPENDIX (cont.)
BACK
3

4. Eclampsia
❖ This is a condition in pregnancy

whereby the following must all be
present:
(a) Hypertension;
(b) Convulsions/seizures;
(c) Proteinuria; and
(d) Oedema
❖ The diagnosis of Eclampsia must be

confirmed by a consultant
gynecologist.
185
APPENDIX (cont.)
BACK
3

5. Late Miscarriage
❖ The spontaneous loss or death of an embryo or foetus between one hundred

and twenty six (126) days and one hundred and ninety five (195) days of
gestation.
❖ In addition, death of embryo or foetus , as certified by a Physician, due to

the legal premature termination of a pregnancy as a result of a sudden
unforeseen and fortuitous event and not be due to a voluntary and malicious
act by the Insured, is covered.
186
APPENDIX (cont.)
BACK
3

6. Death of foetus
❖ The death of the Insured’s foetus prior to the complete delivery / expulsion /
extraction from the Insured as a product of conception which has been
conceived for over one hundred and ninety five (195) days.
❖ The death is indicated by the fact that the foetus does not breathe or show any
other evidence of life, such as beating of the heart, pulsation of the umbilical
cord or definite movement of voluntary muscles.
❖ In addition, death of embryo or foetus, as certified by a Physician, due to the

legal premature termination of a pregnancy as a result of a sudden unforeseen
and fortuitous event and not be due to a voluntary and malicious act by the
Insured, is covered.
187
APPENDIX (cont.)
BACK
3

❖ Premature separation of the placenta from the uterine wall that has caused
fetal death or has required emergency caesarean section.
188
APPENDIX (cont.)
BACK
3

❖ Entering of amniotic fluid into the

maternal circulation that has
caused life threatening pulmonary
edema or cardiac arrest in the
Insured or fetal death.
189
APPENDIX (cont.)
BACK
3

❖ Severe acute fatty liver occurring during

pregnancy and associated with acute liver
failure where all of the following
diagnostic conditions must be met:
(a) Total bilirubin persistently above 150

umol/L (10 mg/kL) for a period of at
least five (5) days.
(b) Presence of acute onset of
encephalopathy.
190
APPENDIX (cont.)
BACK
3

❖ Abnormal adherent of the

placenta to the myometrium
resulting in severe hemorrhage
requiring surgical removal of the
placenta.
❖ The diagnosis of placenta increta

or placenta percreta must be
established via histological
evidence and confirmed by an
obstetrician.
191
6 Female Pregnancy
10% of sum assured

o Coverage is up to age 45.
1. Disseminated Intravascular Coagulation (after 7 months of pregnancy)

2. Molar Pregnancy
3. Ectopic Pregnancy
4. Eclampsia
5. Late Miscarriage (18th to 28th week of gestation)
6. Death of foetus (after 28th week of gestation)
o Please refer to Appendix 3 for each condition definition
192
APPENDIX
BACK
4
How to enjoy Yearly Cash Bonus?
AIA
Vitality
Purchase A-Life Lady Join AIA Vitality

A comprehensive Be rewarded with Yearly
female plan that meets Cash Bonus every year
female protection needs, depending on AIA Vitality
up to age 80. Status
193
APPENDIX What is Yearly Cash Bonus?
4
From 2nd year onwards, the
Yearly Cash Bonus payable will
increase or decrease
YAY!
depending on Yearly Cash
Buy A-
Life Lady and join
10% of the Basic Bonus Percentage (%) that
Premium Paid1 for A-Life will be adjusted based on
AIA Vitality Year 1
Lady at the end of first Insured’s AIA Vitality Status at
year regardless of your each Policy Anniversary.
AIA Vitality Status.
Year 2
AIA Vitality Status Platinum Gold Silver Bronze

Change in Yearly Cash
Bonus Percentage (%)
+1% 0% -2% -4%
Year 80
BACK
Note:
1 Basic Premium Paid means the amount that you are required to pay in a policy year for the basic plan including the extra
premium imposed for basic plan due to higher standard medical rating (if any) and this amount has already been paid by you.
4 APPENDIX BACK
CHOOSE HEALTHY
BE REWARDED WITH HIGHER CASH BONUS

Max
50%
Platinum End of 3rd year
Status
YOU WILL GET
EVEN MORE CASH P 12% of the
Annualised Premium
End of 2nd year
Platinum
Status
YOU WILL GET
MORE CASH P
11% of the
Annualised Premium
End of 1st year
YOU WILL GET

10%
of your premium
Get MORE with Yearly Cash Bonus!
195
4 APPENDIX MORE savings with AIA Vitality
Mrs. A Mrs. B
Has A-Life Lady plan but Has A-Life Lady plan and
NOT an AIA Vitality IS an AIA Vitality member
member Age: 30, non smoker
With RM100,000 sum assured
Extra
NO Annual
Premium
RM 2,900
CASH
EXTRA Total Premium
CASH Paid RM 145,000 BONUS
(until age 80) up to
BONUS
Maturity RM 48,720
RM 150,000
Payout
Assuming Mrs. B achieved Platinum status
throughout the policy years until age 80.
SAVE
BACK
Go for PLATINUM! 17 PREMIUM

YEARS
Exclusions
1. Any Pre-Existing Condition;
2. In Our opinion, the Insured is diagnosed to have disease(s) that is caused directly or indirectly by the existence of Acquired Immune
Deficiency Syndrome (AIDS) or by the presence of any HIV infection. We reserve the right to require the Insured to undergo a blood test for
HIV as a condition precedent to acceptance of any claim. The exception is when HIV Infection is Due To Blood Transfusion. For the purpose
of this Policy:
(a) The definition of AIDS shall be that used by the World Health Organization in 1987, or any subsequent revision by the World Health
Organization of that definition; and
(b) Infection shall be deemed to have occurred where blood or other relevant test(s) indicate in Our opinion either the presence of any
HIV or Antibodies to such a Virus.
3. Self-inflicted injuries while sane or insane;
4. Signs or symptoms of any of the covered conditions/benefits (including those leading to performance of the surgery if required) which first
occurred within the Waiting Period. In the event of any conflict or discrepancy of opinions relating to the signs or symptoms of covered
conditions/benefits and their manifestation between a Physician and the Insured, We will adopt and follow Physician’s professional
opinion;
5. Willful misuse of drugs or alcohol;
6. Elective termination of pregnancy other than for medical reasons under Female Pregnancy Benefit.
7. We shall not pay for any injuries due to Accident or Skin Grafting Due to Burns claim arising directly/indirectly from any one of the
following occurrences:
(a) Resulting from suicide, self-inflicted bodily injuries while sane or insane, disorderly conduct on the part of the Insured, or upon the
Insured deliberately exposing herself to unnecessary danger;
(b) Being involved in an unlawful act;
(c) Sustained while under the influence of narcotics or alcohol;
(d) Sustained while engaged in hunting, mountaineering or racing in motor vehicles or motor boats or any hazardous activities;
(e) Consequent upon war (declared or undeclared), invasion, acts of foreign enemies, terrorist activities, hostilities or warlike operations,
riot and civil commotion, industrial action or revolution;
(f) Being involved in any travel or flight in or any type of aircraft except on a regular scheduled passenger flight or a commercial aircraft;
or
(g) Being involved in any elective surgery, cosmetic or plastic surgery, other than for conditions specifically covered under the Medical
Complication due to Elective Cosmetic Surgery benefit.
Note: The exclusions are non-exhaustive, please refer to the policy contract for more details.

197
Specific Markets
A-Plus GenNext
AIA confidential
AIA confidential
and proprietary
and proprietary
information.
information.
Not forNot
distribution.
for distribution.

What are Specific Market Plans?
These are unit deducting riders which are plans targeted at specific market needs. These plans are attachable to an Investment Linked Insurance plan..
A-Plus GenNext
❖ A-Plus GenNext is a unit-deducting rider attachable to a regular premium Investment-Linked Insurance plan i.e. A-Life Link 2 and A-Life Joy 2. This plan offers
protection and allowance for young adults to overcome life’s uncertainties in pursuit of their dreams.
FEATURES
❖Provides a monthly Cash Allowance when an accident or illness prevents you from performing your usual work for at least 30
consecutive days.
❖Provides a lump sum benefit so you can focus on recovery when you are struck with a critical illness or accidental disablement.
❖Provides a monthly Cash Allowance to help you through the challenging period when struck with early-stage cancer or early-stage
heart-related illnesses.
❖Indication of Cost of Insurance (per RM 1,000 rider sum assured) for a male of standard health:
Occupation Class/Age 25 years old 30 years old 35 years old

Occupational Class 1 RM 4.38 RM 4.63 RM 5.45
SUMMARY OF BENEFITS
Amount of Benefit
Benefits (% of Rider Sum Assured) Conditions
Health Challenge Benefit: 2% monthly allowance. • 60 days waiting period on illness.
If you are unable to work for at least 30 consecutive Payable up to a maximum of 6 months per claim. • Illness must require hospitalization or in-patient surgery
days due to an accident or illness, as confirmed by a Claim does not reduce sum assured. • Only one claim payable if two events overlap. The event with the longer period
doctor. of inability to work will be payable.
• Subsequent claims resulting from the same accident or illness will not be
payable.
Life Changing Challenge Benefit: 2% monthly allowance. • 60 days waiting period.
If you are being diagnosed with any of the listed Early Payable for 6 months. • Insured to survive at least 30 days from diagnosis
Stage Cancer or Early Stage Heart-Related Illnesses. Claim does not reduce sum assured. • Only one event is claimable from each category.
• More than 1 claim can be made from different categories, subject to a
maximum of 4 claims.
Extra Protection Benefit: 100% lump sum. • 60 days waiting period for Cancer – of specified severity and does not cover
Payable once per life. very early cancers, Heart Attack – of specified severity, Coronary By-Pass
If you are being diagnosed with any one of the 35 Rider to terminate once a claim is made. All other Surgery and Serious Coronary Artery Disease.
Critical Illnesses or suffer one of the listed Accidental allowances will cease. • 30 days for other diseases.
Disablement. • Insured to survive at least 30 days from diagnosis.
[AIA - HIGHLY CONFIDENTIAL] NA Specific Markets_E-Learning_Rev05_01.01.2021

A-Plus GenNext
SUMMARY OF BENEFITS
List of Early-Stage Cancer or Early-Stage Heart-Related Illnesses (in Life Changing Challenge Benefit)
Category Events
• Carcinoma-in-situ; or
1. Cancer • Early Prostate Cancer; or
• Early Thyroid Cancer; or
• Early Bladder Cancer; or
• Early Chronic Lymphocytic Leukemia; or
• Carcinoma-in-situ and other Early Cancers of Specified Organs Treated with Radical Surgery
2. Heart Attack • Cardiac Pacemaker or Defibrillator Insertion
3. Serious Coronary Artery Disease • Early Coronary Artery Disease or
• Other Coronary Artery Disease
4. Coronary Artery By-Pass Surgery • Pericardectomy; or
• Minimally Invasive Direct Coronary Artery Bypass Grafting (MIDCAB)
5. Heart Valve Surgery • Percutaneous Valvuloplasty; or
• Percutaneous Valve Replacement
6. Cardiomyopathy • Hypertrophic Cardiomyopathy; or
• Constrictive Pericarditis with Surgery
7. Aorta • Large Asymptomatic Aortic Aneurysm; or
• Minimally Invasive Surgery to Aorta
8. Primary Pulmonary Arterial Hypertension • Early Primary Pulmonary Arterial Hypertension
List of Critical Illnesses (in Extra Protection Benefit)
1. Stroke – resulting in permanent neurological 13. Chronic Aplastic Anemia – resulting in 25. Parkinson’s Disease – resulting in permanent
deficit with persisting clinical symptoms permanent Bone Marrow Failure inability to perform Activities of Daily Living
2. Cancer – of specified severity and does 14. Major Organ / Bone Marrow Transplant 26. Terminal Illness
not cover very early cancers
3. Heart Attack – of specified severity 15. Blindness – Permanent and Irreversible 27. Encephalitis – resulting in permanent inability
to perform Activities of Daily Living
4. Coronary Artery By-Pass Surgery 16. Deafness – Permanent and Irreversible 28. Benign Brain Tumor – of specified
severity
5. Serious Coronary Artery Disease 17. Loss of Speech 29. Major Head Trauma – resulting in permanent
inability to perform Activities of Daily Living
6. Heart Valve Surgery 18. Coma – resulting in permanent neurological 30. Bacterial Meningitis – resulting in permanent
deficit with persisting clinical symptoms inability to perform Activities of Daily Living
7. Fulminant Viral Hepatitis 19. Third Degree Burns – of specified severity 31. Brain Surgery
8. End Stage Liver Failure 20. Multiple Sclerosis 32. Medullary Cystic Disease
9. Primary Pulmonary Arterial Hypertension – of 21. Paralysis of limbs 33. Loss of Independent Existence
specified severity
10. End Stage Lung Disease 22. Muscular Dystrophy 34. HIV Infection due to Blood Transfusion
11. Kidney Failure – requiring dialysis or kidney 23. Alzheimer’s Disease / Severe Dementia 35. Cardiomyopathy – of specified severity
transplant
12. Surgery to Aorta 24. Motor Neuron Disease – permanent neurological deficit with
Disclaimer: For internal staff and agent training only. This document is not a sales material and cannot be used for circulation to prospects. The product features and projections shown are indicative, subject to approval. This document serves only as a
persisting clinical symptoms
training guide to the agent in the selling concept of the products mentioned. In the actual selling process, the customer’s needs, affordability and preference must be considered to deliver fair value to the customer. The detailed product benefits and
cost must be explained to help customers make informed decisions. Only AIA authorized sales materials are to be used when prospecting.

A-Plus GenNext
SUMMARY OF BENEFITS
List of Accidental Disablement
(in Extra Protection Benefit)
1. Permanent total loss of sight of one or both eyes
2. Loss of or the permanent total loss of use of one or two limbs
3. Permanent total loss of speech and hearing
4. Permanent and incurable insanity
5. Total Paralysis
Note: The claim eligibility for these benefits must meet the definition as indicated in your policy contract and AIA’s approval is subject to the
terms and conditions
UNDERWRITING AND SERVICING RULES

Entry Age (last birthday) • 18 – 35 years old
Coverage Term • Until age 50
Rider Sum Assured • Minimum RM 20,000
• Maximum RM 100,000
• Income ratio checking: Rider Sum Assured may not exceed 2.4 times of the annual income of the Insured covered.
Underwriting Requirement • Normal Full underwriting
Attachment Rule • Attachable to A-LifeLink2
• 1 rider per life; sum assured can be increased or reduced
Change of Sum Assured • Increase or decrease Rider sum assured is allowed, subject to minimum and maximum rider sum assured per life.
Free-look Period • 15 days after policy owner received the policy

Monthly Cost of Insurance • The monthly cost of insurance will be charged by deducting sufficient number of units at the bid price every
monthly anniversary date
Medical Loading • Imposed on COI rate for sub-standard life
Occupation Loading • COI rates vary by occupation class and age
EXCLUSIONS (What is Not Covered)

A-Plus GenNext does not cover:
▪ Assault or murder ▪ Participation in any fight or affray
▪ Riot and civil commotion, industrial action or terrorist activity ▪ Racing on horse or wheels
▪ Willful exposure to danger or attempted self-destruction or self-inflicted injuries while sane ▪ Accident occurring while or because the Insured is under the influence of
or insane alcohol, any non-prescribed drug or illegal drug
▪ War, declared or undeclared, or revolution ▪ Pregnancy, miscarriage or child birth
▪ Service in the armed forces in time of declared or undeclared war or while under orders for ▪ Mental or nervous disorders, depression due to any reason, learning
warlike operations or restoration of public order disabilities, treatment of alcoholism or drug abuse, any drug accident not
▪ Making an arrest as an officer of the law prescribed by a treating Doctor, or any similar conditions or complications
arising from such conditions as stated here;
▪ Violation or attempted violation of the law or resistance to arrest
▪ Any treatment or investigation which is not Medically Necessary, or
convalescence, custodial or rest care.
Note: This list is not exhaustive. Please refer to the Sales Illustration and policy contract for details.

Specific Markets
A-Plus Venus /
A-Plus Venus Extra
AIA confidential
AIA confidential
and proprietary
and proprietary
information.
information.
Not forNot
distribution.
for distribution.

A-Plus Venus & A-Plus VenusExtra
❖ A-Plus Venus and A-Plus VenusExtra are unit deducting riders attachable to a regular
premium Investment-Linked Insurance plan i.e. A-Life Link 2 and A-Life Joy 2. These plans
offer protection for women-related conditions or events.
❖ These are comprehensive plans that protect a woman’s physical and emotional wellbeing.
❖ A-Plus Venus and A-Plus VenusExtra are exactly what the modern woman needs when it
comes to meeting the evolving protection and health challenges of the woman.
FEATURES
❖Provides double protection on female organs cancer. 200% of the benefit amount so that you can focus on treatment and recovery.
❖Provides additional cover on specific treatments for female-related conditions.
❖Provides Out-of-Action Indemnity when an accident temporarily disables you from performing your usual work or household functions for two straight
weeks.
❖Provides Subsidy for expenses incurred for Menopause treatment and Psychotherapy.
❖Value-added benefit through Referral Service – provides a 24-hour service hotline 603-21665421 access to conveniences such Home Assistance1 and
Auto Assistance1
Note:
1. These services are confined to referral services only. The cost of the actual services shall be borne by the customer. These services are not
guaranteed as they are provided by a third party and the continuation of these services are subject to the agreement between the Company
and the 3rd party service provider. The benefits described for the Referral Service are not exhaustive. Please refer to the policy contract for
detailed benefits, exclusions, terms and conditions.

FEATURES
Indication of Cost of Insurance (per RM 1,000 sum assured) for a non-smoker female of standard health:
Types of Riders/Age 20 years old 30 years old 40 years old
A-Plus Venus RM 2.79 RM 5.72 RM 8.02
A-Plus VenusExtra RM 3.95 RM 10.26 RM 10.60
Amount of Benefit Payable

SUMMARY OF BENEFITS Waiting Period A-Plus A-Plus
No. Benefit (% of the Rider Sum Assured) (from Issue/Commencement/ Venus VenusExtra
Table of Benefits for A-Plus VenusReinstatement
& A-Plus VenusExtra
date, whichever is later)
1. Female Illness Benefits
(a) Female Organs 200% (after deducting the Amount of Benefit paid 60 days
Cancer Benefit under 1 (b) and 1 (c), if any Insured to survive at least 30 days from diagnosis ✓ ✓
(Breast, Cervix Uteri, Uterus,
Fallopian Tube, Vulva/Vagina or Ovary
(b) Carcinoma-in-situ (CIS) (i) 100% (after deducting the Amount of Benefit 120 days
Benefit paid under 1 (c), if any; or ✓ ✓
(Breast, Cervix Uteri, Uterus, (ii) RM 50,000; whichever is lower*
Fallopian Tube, Vulva/Vagina or Ovary)
(c) Systemic Lupus (i) 20% (after deducting the 30 days
Erythematosus (S.L.E.) Amount of Benefit paid under
with Lupus Nephritis 1 (b); if any) ✓ ✓
Benefit (ii) 100%(after deducting the 90 days
Amount of Benefit paid under (either 1 c (i) or 1 c (ii) is claimable
1 (b); if any) once per life)
2. Treatment Benefits
(a) Breast Lumpectomy (i) 15%; or
Benefit (ii) RM 15,000;
whichever is lower* 60 days
(b) Mastectomy Benefit (i) 30%; or (No waiting period for 2 (e) , 2 (f) ✓ ✓
(c) Breast Reconstructive (ii) RM 25,000; and Skin grafting due to burns
Surgery Benefit whichever is lower* 2 (g))
(d) Female Reproductive
Organ Surgery due to Treatment Benefit is claimable up to
Cancer Benefit 2 events per insured’s life. Each event is claimable only
once
(e) Loss of Female
Reproductive Organ due
to Accident Benefit
(f) Facial Reconstructive
Surgery due to Accident
Benefit
(g) Skin Grafting due to Burns ✓
or Skin Cancer Benefit ✓
(h) Severe Rheumatoid
Arthritis Benefit
(i) Osteoporotic Fracture - Disclaimer: For internal staff and agent training only. This document is not a sales material and cannot be used for circulation to prospects. The product features and projections shown are indicative, subject to approval. This document serves only as a
Hip or Vertebrae Benefit cost must be explained to help customers make informed decisions. Only AIA authorized sales materials are to be used when prospecting.

SUMMARY OF BENEFITS (Cont’d)
Table of Benefits for A-Plus Venus & A-Plus VenusExtra

Amount of Benefit Payable Waiting Period A-Plus A-Plus
No. Benefit (% of the Rider Sum Assured) (from Issue/Commencement/ Venus VenusExtra
Reinstatement date, whichever is later)
3. Wellbeing Benefits
(a) Compassionate Cash due to Snatch Theft (i) 0.3%; or No waiting period
Benefit (ii) RM 300; ✓ ✓
whichever is lower*
Item 3 (a) is claimable once every 2 years.
(b) Hormone Replacement Therapy for (i) 2%; or 1 year
Menopause Benefit (ii) RM 2,000 (No waiting period for 3 (c) and 3 (d) ✓ ✓
(c) Out-of-action Indemnity Benefit whichever is lower*
(d) Psychotherapy for loss of legal spouse or
legal child Benefit Item 3 (b) – 3 (d) is claimable once per insured’s life
(e) Referral Service Benefit Please refer to the endorsement for further details Not applicable ✓ ✓
4. Maternity Benefits
(a) Pregnancy (i) 25%; or 1 year
Complications Benefit (ii) RM 25,000; whichever is lower* (excluding pregnant ladies with a gestation period of more
(i) Disseminated Intravascular Coagulation than eighteen (18) weeks at policy inception)
(ii) Ectopic Pregnancy Item 4 (a) is claimable once per insured’s life
(iii) Molar Pregnancy N/A ✓
(iv) Eclampsia
(b) Congenital Anomalies (i) 25%; or 1 year
Benefit (ii) RM 25,000; whichever is lower* (excluding pregnant ladies with a gestation period of more
(i) Down’s Syndrome than eighteen (18) weeks at policy inception)
(ii) Spina Bifida
(iii) Tetralogy of Fallot The newborn baby has to survive more than 30 days after
(iv) Cleft Palate Item 4 (b) is claimable once per insured’s life birth and is diagnosed with one of the congenital anomalies N/A ✓
(v) Ventricular Septal Defect before age 1
(vi) Atrial Septal Defect
(vii) Patent Ductus Arteriosus
(viii) Siamese Twins
(c) Death of Foetus (i) 25%; or I year
beyond 195 days of (ii) RM 25,000; (excluding pregnant ladies with a gestation period of more
gestation or Death of whichever is lower* than eighteen (18) weeks at policy inception) N/A ✓
Child up to 30 days
from birth Benefit Item 4 (c) is claimable once per insured’s life
• For an Insured with multiple A-Plus Venus and/or A-Plus VenusExtra, the limit applies to the aggregate of claims made for all riders, regardless of the number of riders under which claims are made.
Note:
• Amount of benefit will be a 1% of the initial Rider sum assured. For Benefit 1, the Amount of Benefit will be a % of the balance sum assured after a claim is made under Benefit 1b or 1c; if any
• Benefits 2, 3 and 4 will only be claimable as long as the Rider is still in force and the amount of benefits of these categories do not reduce the initial Rider
sum assured.
• Once 100% of the initial Rider sum assured has been fully paid out and the Rider terminates due to claim on Benefit 1, then Benefits 2, 3 and 4 will terminate as well, with the exception of Benefit 2a (Breast Lumpectomy), Benefit 2b (Mastectomy) and
Benefit 2c (Breast Reconstructive Surgery).
• Benefit 2a (Breast Lumpectomy) and Benefit 2b (Mastectomy) are claimable within 3 years after the claim for Breast Cancer under Benefit 1 has been
incurred. Benefit 2c (Breast Reconstructive Surgery) is claimable if claims on Breast Cancer and Mastectomy are both payable.

Extension of Critical
Illnesses Coverage for
Agency Products
AIA confidential
AIA confidential
and proprietary
and proprietary
information.
information.
Not forNot
distribution.
for distribution.

EXTRA Critical Illnesses Cover
Effective 1 January 2021, we are extending the Critical Illness (CI) coverage for the following products
and riders from 39 CIs to 45 CIs1 for New Business at no additional cost.
Channel AGENCY - CONVENTIONAL

Product Name A-Life Wealth Builder A-LifeLink 2 A-Life Joy 2
A-PLUS A-PLUS A-PLUS
✓ CI Guard ✓ CriticalCare ✓ CriticalCare
✓ CI Advance ✓ WaiverExtra1 ✓ WaiverExtra1
Rider Name ✓ Spouse Waiver Extra1 ✓ PayorExtra1
✓ Waiver1
✓ Parent Waiver1
Channel AGENCY - TAKAFUL

Product Name A-Life Legasi A-Life Ikhtiar A-Life Kasih Famili
A-PLUS A-PLUS A-PLUS
✓ CriticalExtra-i ✓ CriticalCare-i ✓ CriticalCare-i
Rider Name ✓ Waiver-i1 ✓ ContinuatorExtra-i1 ✓ Waiver-i1
✓ ParentWaiver-i1 ✓ ParentContinuator-i1
1 From 38 to 44 CIs for waiver of premium / contribution riders.

Note: Extension of CI to existing policies / certificates and other product ranges will be assessed and considered for next phase.
What are the Additional 6 CIs?
Apallic
Poliomyelitis Syndrome
Elephantiasis
Additional 6 CIs
Progressive Creutzfeldt-Jakob
Chronic Relapsing
Scleroderma Disease (Mad Cow Disease)
Pancreatitis
Note: Please refer to the sales illustration & product disclosure sheet or policy / certificate contract for further information.
Definition Of The Additional 6 CIs
Additional 6 CIs Definition
Poliomyelitis Unequivocal diagnosis of infection with the polio virus leading to paralytic disease as evidenced by impaired motor function or respiratory
weakness and resulting in the total inability of the Life Assured to perform (unaided) at least three (3) of the Activities of Daily Living for a
continuous period of at least three (3) months.
Progressive A systemic collagen-vascular disease causing progressive diffuse fibrosis in the skin, blood vessels and visceral organs. This diagnosis must be
Scleroderma unequivocally supported by biopsy and serological evidence and the disorder must have reached systemic proportions to involve the heart,
lungs or kidneys.
The following are excluded:
a) Localised scleroderma (linear scleroderma or morphea);
b) Eosinophilic fasciitis; and
c) CREST syndrome.
Apallic Universal necrosis of the brain cortex with the brainstem intact. This diagnosis must be definitely confirmed by a consultant neurologist
Syndrome holding such an appointment at an approved hospital. This condition has to be medically documented for at least one month.
Chronic An unequivocal diagnosis of Chronic Relapsing Pancreatitis, made by a specialist in gastroenterologist and confirmed as a continuing
Relapsing inflammatory disease of the pancreas characterised by irreversible morphological change and typically causing pain and/or permanent
Pancreatitis impairment of function.
The condition must be characterised by:
(a) recurrent acute pancreatitis for a period of at least two (2) years;
(b) generalise calcium deposits in pancreas from imaging study; and
(c) chronic continuous pancreatic function impairment resulting in mal-absorption of intestine (high fat in stool) or diabetes.
Relapsing Pancreatitis caused directly or indirectly, wholly or partly, by alcohol is excluded.
Elephantiasis The end-stage lesion of filariasis characterised by severe and Permanent edema of arm and leg or other part of body as a result of lymphatic
obstruction.
Unequivocal diagnosis of elephantiasis must be clinically confirmed by a relevant specialist, including laboratory confirmation of microfilariae.
Lymphedema caused by infection with a sexually transmitted disease, trauma, cancer, post-operative scarring, congestive heart failure,
radiation or congenital lymphatic system abnormalities is excluded.
Creutzfeldt- A neurological disease, fatal spongiform encephalopathy, accompanied by signs and symptoms of:
Jakob Disease (a) uncontrolled muscular spasm, tremor;
(Mad Cow (b) severe progressive dementia;
Disease) (c) cerebellar dysfunction; and
(d) athetosis.
The diagnosis must be made by a specialist in neurology acceptable to us and must be based on conclusive electroencephalography (EEG) and
cerebrospinal fluid (CSF) findings as well as computed tomography (CT) scan and magnetic resonance imaging (MRI).
Specific Markets
A-Plus Junior Critical Care
AIA confidential
AIA confidential
and proprietary
and proprietary
information.
information.
Not forNot
distribution.
for distribution.

A-Plus Junior CriticalCare
Awareness of Juvenile Critical Illnesses

Introducing A-Plus Junior CriticalCare
Payout for Covered Juvenile Critical Illness
Benefits at a Glance

Payout for Covered Juvenile Critical Illness

Claims Scenario

Sample Product Package

Exclusions

Juvenile Specific Critical Illnesses (Extract from Policy Contract)

Juvenile Specific Critical Illnesses (Extract from policy contract)





7 Encephalitis
❖ Low Severity: Encephalitis with full recovery
7
❖ High Severity: Encephalitis with permanent neurological
deficits
7 Low Severity – Encephalitis with full recovery

❖ Severe inflammation of brain substance (cerebral hemisphere, brainstem or cerebellum) caused by viral
infection requiring hospitalization. The diagnosis must be confirmed by a consultant neurologist and
supported with appropriate investigations proving acute viral infection of the brain.
❖ Encephalitis in the presence of HIV infection is not covered.
7 High Severity – Encephalitis with permanent

neurological deficits
❖ Severe inflammation of brain substance, resulting in permanent functional impairment.
❖ The permanent functional impairment must result in an inability to perform at least three (3) of the
Activities of Daily Living. A minimum Assessment Period of thirty (30) days applies. The covered event
must be certified by a neurologist.
❖ Encephalitis in the presence of HIV infection is not covered.

8 Low Severity – Bacterial Meningitis with full recovery
❖ Bacterial infection resulting in severe inflammation of the membranes of

the brain or spinal cord which requires hospitalization. This diagnosis
must be confirmed by: (a) The presence of bacterial infection in
cerebrospinal fluid by lumbar puncture; and (b) A consultant neurologist.
❖ Bacterial Meningitis in the presence of HIV infection is excluded.
High Severity – Bacterial Meningitis with permanent neurological deficits

8
❖ Bacterial meningitis causing inflammation of the membranes of the brain
or spinal cord resulting in permanent functional impairment. The
permanent functional impairment must result in an inability to perform at
least three (3) of the Activities of Daily Living. A minimum Assessment
Period of thirty (30) days applies.
❖ The diagnosis must be confirmed by:

i. an appropriate specialist; and
ii. the presence of bacterial infection in the cerebrospinal fluid by
lumbar puncture For the above definition, other forms of
meningitis, including viral meningitis are not covered.









Thank you
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Specific Market Plans

[AIA - HIGHLY CONFIDENTIAL]

Total Health Solution

AIA Protection 2k Newborn

arrival of your child. that your child grows and developed

FOR YOUR CHILD

A-LIFE JOY XTRA

DURING PREGNANCY AFTER BIRTH

Entry 13 – 35 Gestational Entry 14 days –

*subject to juvenile lien

AIA confidential and proprietary information. Not for distribution.

AIA confidential and proprietary information. Not for distribution. 13

ENJOY TOTAL Sum Assured

When your child turns 18

A-Life Joy Xtra TOTAL Sum Assured

AIA confidential and proprietary information. Not for distribution.

AIA confidential and proprietary information. Not for distribution. 14

• The amount allocated into A-Plus ScholarSaver

AIA confidential and proprietary information. Not for distribution.

AIA confidential and proprietary information. Not for distribution. 15

1 Premium paid on time.

4 No changes were made that resulted

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• A-Plus Health • A-Plus Med Care

A-Plus Waiver Extra A-Plus Payor Extra

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Unforeseen Pregnancy Occurrence of Expensive

Congenital Abnormalities Down Syndrome

16,500 1 in 660 live births

1.6 in 1,000 children Attention Deficit

Estimated 1.6% to 4.6%

Disorder Gross Motor or Speech

Typical medical plans impose a

Provides pregnancy care and

Cover baby against

BIRTH OF CHILD Cover baby against

Up to when the Cover child against

7 Death of mother during

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WITHIN 60 DAYS FROM BIRTH Infant Care

Reimbursement up to RM10,000 per lifetime (depending on plan)

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1) Ventricular Septal Defect 10) Congenital Cataract 1. Autism Spectrum Disorder

Reimbursement up to RM30,000 every year! (depending on plan)

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Comprehensive medical protection that

✓ In-patient and out-patient ✓ Prevention ✓ Up to 100% deductible

Providing you with a daily income

Choice of Daily Maximum no. of Confinement in

A-Plus Critical Care A-Plus Early Critical Care

A-Plus Multi Critical Care

Ensuring that you receive the best possible treatment and

Personal Medical Case Flight Ticket for Overseas Treatment

Access to the world’s leading specialist

Offer medical recommendation

Provides coverage for 32 Juvenile Specific Critical