A-Life Medik Famili (ALMF) is a standalone medical Takaful plan that provides

Product about coverage for hospitalization and surgical expenses, with no lifetime limit and
without co-Takaful. This plan also provides the option to extend the coverage to
your immediate family members maximum of 4 children is allowed under each
family plan's. This plan will cover until age 100

Syariah cocepts Wakalah, tabarru’,jualah, qard hasan

• Repayment of medical expenses will cover up to Rm15 000 for overall

Coverage annual limit and overall lifetime limit will be covered with no lifetime limit. RM300
will be deducted per disability.
• For hospital room and board, RM150 will be deducted per day. Incentive
care unit (ICU), in-Hospital related fees and pre-hospitalization treatment will be
covered as amount charged, subject to reasonable and customary charges up to
annual limit.
• For kidney dialysis and cancer treatment will be cover up to RM 300,000
per lifetime on top of overall annual limit. Lastly, USD 1 Million will be covered for
Emergency Medical Evacuation and Repatriation per event

• Total contribution that participants have to pay the Takaful Certificate

Contribution terms may vary depending on AIA PUBLIC underwriting requirements

• Wakalah Fee is deducted upfront as a percentage of Contribution to meet

AIA PUBLIC's management expenses and total distribution cost, including
Fees commission.
• Participants required to refer the Product Illustration for the details of
Wakalah Fee and total distribution cost (TDC).
• Other expenses includes Stamp Duty of RM10
 • It is important for participants to disclose their medical condition and state
their age correctly
• Participants can cancel their takaful after purchasing the plan by returning
back the Takaful Certificate in 15 days period. AIA public takaful will pay refund
from the contribution amount but not for the medical examination fee that already
used.
• Participants will get glace period until 31 days after the due date for
Condition participants have to pay. If participants cannot do so in 31 days, their Medical
Certificate will be expired
• For claiming, participants can get the form at any AIA brunch. Compile with
proof of claim and have to get approval by AIA first to facilitate payment of any
benefit. For the death claim, please inform AIA immediately

For Medical and Health Takaful

AIA have their rights to recheck the current rates upon renewal on the medical and
health takaful product. This is because, there might be increasing of contribution
and tabarru’ and AIA have to revise it. Written notice will be given if there are any
changes or renewal based on the justified circumstances
Hospitalisation & Surgical Benefit
(a) Waiting period for Hospitalisation and Surgical Benefit:
- 120 days for treatment or surgery due to Specific Illnesses
- 60 days for diagnosis of Cancer for Out-patient Cancer Treatment;
- 30 days for hospitalisation or surgery due to all other illnesses.
(b) The maximum number of Dependent Children who can be covered under this
product is limited to 4 children only
(c) Unless renewed, the coverage shall cease on expiry date and AIA PUBLIC must
strictly not be liable for any expenses that take place after the expiry date