§ 1 · Plans
What each plan pays.
Six kinds of cover from AIA and AIA PUBLIC Takaful, in the order most families need them. Costs are indicative; the real figure depends on your age, health and smoking.
1.1
Medical card
- For
- Everyone, first. Employer cover ends when the job does.
- Pays
- Hospital bills directly: room, surgery, specialist, medicine, through a guarantee letter at admission.
- Costs
- About RM 150 – 300 a month at 30, more with age
1.2
Critical illness
- For
- Anyone whose household needs their income.
- Pays
- A lump sum on diagnosis of a covered illness, to spend on anything: rent, a caregiver, time off.
- Costs
- About RM 60 – 150 a month for RM 100,000 at 30
1.3
Life & family income
- For
- Parents with young children or a mortgage.
- Pays
- A sum to your nominee if you die or become totally disabled, sized to clear debts and replace income.
- Costs
- From about RM 80 a month for RM 500,000 term cover at 30
1.4
Family takaful
- For
- Muslim families who want Shariah-compliant cover.
- Pays
- Medical, critical illness and death benefits, run on a shared-risk fund by AIA PUBLIC Takaful.
- Costs
- Similar to the conventional plans above
1.5
Education savings
- For
- Parents planning for university, with cover if they are no longer there.
- Pays
- Staged payouts from age 18, and premiums waived if the payer dies or is disabled.
- Costs
- Usually RM 200 – 500 a month, set by the target
1.6
Retirement income
- For
- People in their 40s who see the gap EPF will leave.
- Pays
- A monthly income from 55 or 60 for a fixed number of years.
- Costs
- Built around the income you want; we work it out together