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TAKAFUL
AIA Premier Academy
Takaful New Products Training
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TAKAFUL
AIA Premier Academy
Disclaimer
This presentation is purely a training tool for AIA PUBLIC Takaful Bhd.s (formerly known as ING PUBLIC Takaful
Ehsan Berhad) (AIA PUBLIC) internal agency. This presentation is not to be used directly/indirectly for soliciting
Takaful business, Certificate Owner services and/or facilitating any other form of communications with external
parties whatsoever. Whilst AIA PUBLIC has taken all reasonable care to ensure that the information contained in
this presentation is not untrue or misleading at the time of publication, we cannot guarantee its accuracy or
completeness. You should not act on it without first independently verifying its contents. Any opinion or
estimate contained in this presentation is subject to change without notice.
The information with regard to investment/savings contained herein does not have any regard to the specific
investment objective(s), financial situation or the particular needs of any person. Any investment and/or savings
returns is subject to risks, including the possible loss of the principal amount invested. Past performance is not
necessarily a guide to the future or likely performance of the plans. Potential investors may wish to seek advice
from AIA PUBLICs representative before participating in any plan. In the event that potential investors choose
not to seek advice from a AIA PUBLICs representative, they should consider whether the plan is suitable for
them.
Any comparison contained herein pertains to specific products in the market and is based on information
gathered from marketing materials of the said product. Comparisons are made based on certain assumptions as
stated in this presentation. As such, the analysis is not to be generalized or applied to all situations. This
presentation is only for internal circulation and not to be construed as a marketing material to be shared with
any external party.

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TAKAFUL
AIA Premier Academy
PRESENTATION ON :
A-LIFELINK-i
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AIA Premier Academy
Agenda
Takaful Concept
Takaful Model
What is Investment Linked Takaful?
Introduction
Product Features
Product
Fees and Charges
Underwriting Guidelines and Servicing Rules
Underwriting
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TAKAFUL
AIA Premier Academy
Takaful Concept
Takaful Model
What is Investment-Linked Takaful?
Agenda
Introduction
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TAKAFUL
AIA Premier Academy
Takaful is an Arabic word literally which means guaranteeing each other or
"joint guarantee".

The concept of Tabarru is the main underlying principle in the Takaful system
making it free from uncertainty and gambling elements.

Tabarru' means "donation; gift.
Takaful Concept
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TAKAFUL
AIA Premier Academy
Takaful Model
PIF Protection Account (PIF-
PA)
A-LifeLink-i
PIF Savings Account (PIF-
SA)
In the event that the PIF-PA is
insufficient to pay for
Tabarru and Monthly Service
Charge, PIF-SA can be used to
pay for it, if consent is given
in the application.
Fund Value will be payable
upon Takaful Certificate
termination (Death/
Maturity/ Surrender).
A-Plus Saver-i
Participants Risk Fund
(PRF)
(Tabarru)
PIF-PA supports monthly
Tabarru and Monthly
Service Charge
Fund Value will be
payable upon Takaful
Certificate termination
(Death/ Maturity/
Surrender).
Certificate Benefits will be
payable from PRF
(Death/TPD/etc Benefit).
No benefit will be payable from
PRF upon Surrender / Maturity.
If there is any distributable
underwriting surplus from PRF,
it will be shared between
Participant and Takaful
Operator at 50:50 ratio.
Total Regular Contribution
Wakalah Fee to
Takaful Operator
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AIA Premier Academy
What is Investment-Linked Takaful?
A Takaful plan where its value is linked to the
investment performance of chosen funds.
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AIA Premier Academy
What is Investment-Linked Takaful? (Cont.)
Investment-linked Takaful plan offers customers an
opportunity to participate in a family Takaful Certificate
that:
Provides an opportunity to accumulate wealth through
participation in investment funds, and
Both savings and protection (for example death benefit)
at the same time
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AIA Premier Academy
Protection
Savings
Investment
Linked
Takaful
(ILT)
What is Investment-Linked Takaful? (Cont.)
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AIA Premier Academy
Product
Product Features
Fees and Charges
Agenda
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AIA Premier Academy
A-LifeLink-i 5 Key Features
1. Protection and Savings in one plan
2. Flexibility in Protections and Savings
3. Additional Cover through Anniversary Bonus
4. 5-Year Continuous Coverage
5. A-Plus DisabilityCare-i



1
Only applicable to A-Plus Med-i plan R&B 150 and above
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AIA Premier Academy
1. Protection & Savings in One Plan
A-LifeLink-i Participants Investment Fund (PIF) comes with 2
accounts, i.e Protection Account & Savings Account
PIF Protection
Account
Regular Contribution
Ad-hoc Top-Up Contribution
A-LifeLink-i PIF
PIF Savings
Account
A-Plus Saver-i Contribution
In the event that the Protection Account is
insufficient to pay for Tabarru and Monthly
Service Charge, Savings Account can be used
to pay for it, if consent is given in the
application
A-Plus CriticalCare-i, A-Plus HospitalIncome Extra-i
A-Plus AccidentShield-i, A-Plus Total AccidentShield-i
A-Plus Waiver Extra-i, A-Plus PayorExtra-i
A-Plus Med-i, A-Plus Early CriticalCare-i
A-Plus Venus-i, A-Plus VenuzExtra-i
A-Plus GenNext-i, A-Plus Multi CriticalCare-i
A-Plus DisabilityCash-i
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AIA Premier Academy
As early as 14 days
old
Age 70 Age 100
Entry Age
Coverage Age
Provides you with Takaful coverage up to age 100.
1. Protection & Savings in One Plan (Cont.)
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TAKAFUL
AIA Premier Academy
2. Flexibility in Protections and Savings
Minimum Contribution of RM150 per month
Increase & decrease coverage according
to life stage needs
Save & withdraw money when you need it
Switch funds according to risk
tolerance level
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TAKAFUL
AIA Premier Academy
3. Additional Cover through Anniversary Bonus

An additional 1% increase in Sum Covered every year starting from
beginning of 2
nd
Certificate year up to 120% of the SC**.
**1% x N x lower of (initial Sum Covered or current Sum Covered or
RM500k)*.
N is no. of completed Certificate year when contribution is last paid.
The additional Sum Covered is provided with no additional Tabarru
charges.
Payable upon death, TPD or diagnosis of critical illness (if A-Plus
CriticalCare-i is attached at Certificate inception).
Shall not be payable upon surrender, lapse or Certificate maturity.

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AIA Premier Academy
Scenario for Anniversary Bonus
1. Assuming initial Sum Covered = RM100k and there is no contribution in
default

0 1 2 3 4
No. of
completed
years
AB = 1% x N x lower of (initial Sum Covered or current Sum Covered or RM500k)
= 1% x 5 x 100,000
= 5,000

Total Sum Covered at Year 5 = 100,000 + 5,000
= 105,000
5
AB 1% AB 1%
AB 1% AB 1%
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TAKAFUL
AIA Premier Academy
Scenario for Anniversary Bonus
2. Increase in Sum Covered to RM150k in year 2
0 1 2 3 4
No. of
completed
years
Increase
SC to
RM150k
Person
Covered
dies
AB = 1% x N x lower of (initial Sum Covered or current Sum Covered or RM500k)

Total Death Benefit = RM150k + (1% x 3 x RM100k) + Account Value
= RM153k + Account Value
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AIA Premier Academy
Scenario for Anniversary Bonus
0 1 2 3 4
No. of
completed
years
Reduce
SC to
RM50k
Person
Covered
dies
3. Reduction in Sum Covered to RM50k in year 2
AB = 1% x N x lower of (initial Sum Covered or current Sum Covered or RM500k)
Total Death Benefit = RM50k + (1% x 3 x RM50k) + Account Value
= RM51.5k + Account Value
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TAKAFUL
AIA Premier Academy
Scenario for Anniversary Bonus
4. Assuming initial Sum Covered = RM700k and there is no
contribution in default.
0 1 2 3 4
No. of
completed
years
Person
Covered
dies
AB = 1% x N x lower of (initial sum covered or current sum covered or RM500k)
Total Death Benefit = RM700k + (1% x 3 x RM500k) + Account Value
= RM715k + Account Value
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AIA Premier Academy
4. 5 Years Continuous Coverage

2 - Years Continuous Coverage
Basic coverage and UDRs continue to be in force within the first 5
Certificate years if account value is insufficient, provided:
Regular contribution and A-Plus Saver-i (if any) has been paid consistently ; and
No contribution holiday exercised; and
No Certificate changes which effect Tabbaru or account value


*We are the only Takaful Operator in the industry with 5 years continuous coverage

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TAKAFUL
AIA Premier Academy
5. A-Plus DisabilityCare-i
Free APDC
Maximum Free APDC
To any one life (for standard life) up to RM8 mil (per life)
Juvenile* up to RM1.25 mil (per life)
Retiree up to RM500k (per life)

*Age 15 and below
**Optional APDC for sub-standard case shall be subject to the maximum of RM4 mil per life
TPD cover
until age 70
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TAKAFUL
AIA Premier Academy
Other Product Features
A regular contribution investment-linked Takaful plan that provides coverage until age
100

Death Benefit
oSum Covered + Anniversary Bonus + Account Value

Total and Permanent Disability (TPD) Benefit
oCovers until age 70 of the Person Covered
oSum Covered + Anniversary Bonus
oThe benefit payable is depending on the definition of disability
oMaturity or surrender account value shall remain upon TPD claim and will be paid
upon Certificate termination

Maturity Benefit
oAccount Value

Surrender / Full Withdrawal Benefit
oAccount Value

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TAKAFUL
AIA Premier Academy
Death Benefit for Juvenile
If the Person Covered has not attained the age of 4 years old at the
time of death or TPD, the Sum Covered payable shall be subject to
the following Juvenile Lien Percentage (Applicable to Death/TPD)
Age Last Birthday, (years old) Payable as a percentage of the
basic Sum Covered, (%)
0 20
1 40
2 60
3 80
4 100
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TAKAFUL
AIA Premier Academy
Total & Permanent Disability (TPD):
Presumptive Disability
Definition of Presumptive Disability:-
a) Total and irrecoverable loss of sight
of BOTH eyes;
b) Severance of TWO (2) limbs at or
above wrist or ankle; or
c) Total and irrecoverable loss of sight
or ONE (1) eye and loss by
severance of ONE (1) limb at or
above the wrist or ankle
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AIA Premier Academy
Definition of TPD (Any Occupation):-
The Person Covered as a result of injury, sickness, or disease, has not
performed any work for a continuous period of at least (6) consecutive
months solely due to the same injury, sickness, or disease; and
The Person Covered has been attended to by a Registered Medical
Practitioner and has undergone all reasonable and usual treatment
including rehabilitation for the injury, sickness, or disease; and
In our opinion, the Person Covered, despite optimal medical care /
treatment and rehabilitation efforts, is unable ever again to work in any
occupation or regular duties; and
For the purpose of the TPD (any occupation), it is immaterial whether a
business, occupation or regular duty is remunerated or not.
(i.e. Coma, Paralysis, & Vegetative State)
Total & Permanent Disability (TPD):
Any Occupation
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AIA Premier Academy
Definition of TPD (Suited Occupation):-
The Person Covered as a result of injury, sickness, or disease, has not performed any work for
a continuous period of at least (6) consecutive months solely due to the same injury,
sickness, or disease; and
The Person Covered has been attended to by a Registered Medical Practitioner and has
undergone all reasonable and usual treatment including rehabilitation for the injury, sickness,
or disease; and
In our opinion, the Person Covered, despite optimal medical care/treatment and
rehabilitation efforts, is unable ever again to work in:
Any occupation/regular duties for which he/she is reasonably qualified by knowledge, training or
experience;
Any full time/part time occupation/regular duties in the case that the Person Covered was not in
paid employment in the month immediately preceding the onset of Disability; and
For the purpose of the definition of TPD (Suited Occupation), it is immaterial whether a business,
occupation or regular duty is remunerated or not.

Total & Permanent Disability (TPD):
Suited Occupation
Pay 10%, 10%, 80% in three (3) years
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AIA Premier Academy
Total & Permanent Disability (TPD):
Waiver of Tabarru
Benefit Waiver of Tabarru
oOnce a disability claim is established, the Tabarru' for the basic plan due since
the commencement of disability will be waived (provided that the disability
commences before the Person Covered reaches age 70) until the Person
Covered recovers. All Tabarru for the riders attached to the basic plan will still
continue to be charged.


Note:
NO refund of any Tabarru due more than one (1) year prior to the date of receipt
of the notice of claim.
Proof of continued disability is required from time to time
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AIA Premier Academy
A-Plus Saver-i
A-Plus Saver-i
Scheduled top-up contribution that will be allocated in Participant Investment
Fund (PIF) Savings Account, for savings and investment purposes.
Minimum scheduled contribution RM120 per annum
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AIA Premier Academy
A-LifeLink-i
Category Riders
Medical
A-Plus Med-i (APM)
A-Plus HospitalIncome Extra-i (APHE)
A-Plus Venuz-i (APV)
A-Plus VenuzExtra-i (APVE)
Critical Illness
A-Plus CriticalCare-i (APCC)
A-Plus Early CriticalCare-i (APECC)
A-Plus Multi CriticalCare-i (APMM)
A-Plus GenNext-i (APGN)
Accident
A-Plus AccidentShield-i (APAS)
A-Plus TotalAccidentShield-i (APTAS)
Income A-Plus DisabilityCash-i (APD)
Waiver
A-Plus WaiverExtra-i (APWE)
A-Plus PayorExtra-i (APPE)
Product Features Attachable
Unit Deducting Riders
NEW
NEW
ENHANCED
NEW
NEW
Rev01 2014/07/01


TAKAFUL
AIA Premier Academy
A-Plus Med-i
Plan A-Plus Med-i
Type Unit Deducting Rider
Room & Board Plan100, Plan150, Plan200, Plan 250,
Plan 300, Plan400 & Plan500
Hassle-Free Medical Card Yes
Zero Co-Takaful Yes
No Lifetime Limit Yes, except for Plan100
Increasing Annual Limit Yes, except for Plan100
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TAKAFUL
AIA Premier Academy
A-Plus Med-i

Minimum Age Maximum Age
Person Covered 14 days 70 years old
Spouse 16 years old 70 years old
Dependent Child* 14 days old
22 years old (unmarried and is
still a full-time student
*New addition of dependent child can be between 14 days old to 22 years old provided there is at
least one dependent child that is covered under Person Covered and Child Plan or Family Plan.
The maximum number of dependent children that can be covered is limited to 4 children only.
4 Types of Coverage
1 Person Covered
2 Person Covered and Spouse
3 Person Covered, Spouse and
Child(ren) (Family)
4 Person Covered and Children
Note:
Only 1 spouse is allowed to be covered at one time
The Certificate Owner may apply to cover:
o His/Her own children,
o And any children which the spouse covered under
the plan had outside their marriage
All family members will be covered for the same amount
New addition of dependent child (provided 1 child is
already covered under the plan) will be automatically
covered from 14 days old by giving notice to the Takaful
Operator within 90 days accompanied by the birth
certificate


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AIA Premier Academy
A-Plus HospitalIncomeExtra-i



Types of Sum Covered Available
RM 50 RM 100 RM 150 RM 200 RM 250 RM 300 RM 350 RM 400
*Maximum Sum Covered for non-income group (housewife, juvenile, student and retiree) is RM
150 per life. This underwriting rule is applicable to both PPR and UDR
A-Plus HospitalIncomeExtra-i
Type of Plan Investment-Linked Takaful
Choice of Daily Income
Plan
8 daily income plans ranging from RM50 to RM400, with multiples of
RM50
Daily Hospital Income Up to 1,000 days for any one disability
Confinement in ICU 3 times of Daily Benefit up to 20 days for any one disability
Lifetime Limit Aggregate lifetime limit shall not exceed 2,000 times the Daily Benefit
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AIA Premier Academy
A-Plus Venuz-i & A-Plus VenuzExtra-i
Features A-Plus Venuz-i A-Plus VenuzExtra-i
Structure Covering 2 categories
Female Illnesses & Treatment
Wellbeing

Covering 3 categories
Female Illnesses & Treatment
Wellbeing
Maternity
Treatment Benefit From 15% - 30% of the sum covered
Wellbeing Benefit Compassionate Cash for Snatch Theft (Once every 2 years) ENHANCED
Mental Wellbeing Benefit
Out of action indemnity due to accident NEW
Hormone replacement therapy NEW
Referral Services (Household & Auto Assistance) NEW
Maternity Benefit N/A Pregnancy complications
Congenital Anomalies
Death of Foetus during pregnancy or
Infant up to 30 days from birth
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AIA Premier Academy
Minimum Maximum
Person Covered 16 years old 40 years old
Pregnant Person Covered 18 weeks of gestation
35 weeks of gestation
A-Plus Venuz-i & A-Plus VenuzExtra-i
Minimum Maximum
Person Covered
16 years old 60 years old
Entry Age
A-Plus Venuz-i
A-Plus VenuzExtra-i
Minimum Maximum
A-Plus Venuz-i 16 years old
To age 70, or the basic plan term, whichever is
earlier.
A-Plus VenuzExtra-i 16 years old
To age 70, or the basic plan term, whichever is
earlier
(For Maternity Benefit, up to age 45, or the basic
plan term, whichever is earlier)
Coverage Term
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AIA Premier Academy
A-Plus CriticalCare-i
Covers 36 Critical Illnesses
Advances a lump sum from your basic Sum Covered should
you be diagnosed with CI or undergo a covered surgery*
Anniversary Bonus** - The Sum Covered increases at 1% of
the initial Sum Covered starting from the beginning of 2
nd

Certificate year until 20
th
Certificate year

*Except for Angioplasty and Other Invasive Treatments for Major Coronary Artery Disease, where payout is limited to
10% of the riders Sum Covered or maximum of RM25,000.
**The Anniversary Bonus is subject to the lower of initial Sum Covered or current Sum Covered and it is limited to RM
500,000 per certificate. The Anniversary Bonus is applicable if A-Plus CriticalCare-i is attached to a regular contribution
Investment-Linked Takaful plan at Certificate inception.
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AIA Premier Academy
A-Plus Early CriticalCare-i
This is a comprehensive critical illness protection rider which allows certificate owner to
make claims upon early diagnosis of critical illness.
There will be 3 severity levels. Low Severity, Medium Severity and High Severity with a
payout of 30%, 60% and 100% of the rider sum covered respectively.
Entry Age:


Waiting Period:
Low Severity and Medium Severity : 60 days waiting period shall apply to all low and
medium severity critical illnesses.
High Severity : 60 days following the issue date or commencement date for Cancer, Heart
Attack, Coronary Artery By-pass Surgery, Other Serious Coronary Artery Disease and
Angioplasty and Other Invasive Treatments for Major Coronary Artery Disease.
30 days following the issue date or commencement date for all other critical illnesses.

Minimum age: Maximum age:
Person Covered: 14 days 60 years old
Owner: 18 years old No limit
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AIA Premier Academy
A-Plus Early CriticalCare-i
% of APECC Sum
Covered
A-Plus Early CriticalCare-i
Pays a percentage of APECC SC according to
severity of specified illnesses
High Severity
100%
60%
Medium Severity
30%
Low Severity
Angioplasty and Other Invasive Treatments for
Major Coronary Artery Disease
10% of RM25,000
whichever is
lower

3 Diabetic Related Diseases
Additional benefit on top of the 100% of APECC SC
Benefit is payable only once
This claim will not reduce the APECC SC
No benefit shall be payable if APECC has been
terminated
Additional 20%
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AIA Premier Academy
A-Plus MultiCriticalCare-i

Maximum payout:
up to 360% of
Sum Covered!!!
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AIA Premier Academy
A-Plus GenNext-i
This rider provides sustenance to the Person Covered during times of need in order to
help them to overcome the temporary challenges that they may face.

Provides allowance when Person Covered suffers from an illness or an accident which
prevents them from working for a period of time

Also provides allowance for Person Covered for early stage cancer and heart-related
illnesses.
Package:
GenNext-i is recommended
as a package with A-LifeLink-i
and A-Plus Med-i
Entry Age Minimum Maximum
Person Covered
18 years old 35 years old
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AIA Premier Academy
A-Plus GenNext-i
A-Plus GenNext-
i
Health
Challenge
Benefit
Life
Changing
Challenge
Benefit
Extra
Protection
Benefit
2% of sum covered for
maximum of 6 months if
the Person Covered
unable to work due to
illness or accident
2% of sum covered
for maximum of 6
months if the Person
Covered unable to
work due to early
stage Cancer & Heart
related disease
100% sum covered for
any one of the 35
Critical Illness or
Accidental
Disablement
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AIA Premier Academy
A-Plus AccidentShield-i &
A-Plus TotalAccidentShield-i
No Benefits A-Plus
AccidentShield-i
A-Plus
TotalAccidentShield-i
1
Accidental Death and
Dismemberment



2
Total Permanent
Disability




3 Temporary Disability x


4 Medical Reimbursement x


5 Double Indemnity




The rider provides benefits for death or injuries resulting from accident.
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AIA Premier Academy
A-Plus Disability Cash-i
Pays annual
income
until age 75
upon TPD
This rider is specially designed to complement the Total &
Permanent Disability Benefit of the basic plan so that
annual benefit will be paid upon disability, in addition to
the lump sum payment.

This rider is suitable for customers who seek for annual
benefit to cover their daily expenses upon disability.

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AIA Premier Academy
A-Plus Disability Cash-i
Minimum Age Maximum Age
Person Covered 14 days 65 years old
Entry Age
Minimum: RM1,200 annual income
Maximum: 10% of basic sum covered, subject to underwriting

The annual benefit for all this rider cannot exceed the lesser of:
(a) Working Group
1. RM250,000 per life
2. Person Covereds current annual income

(b) Non-working group (Juvenile / Student / Housewife / Retiree)
RM50,000 per life
Sum Covered
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AIA Premier Academy
A-Plus WaiverExtra-i
Specifics A-Plus WaiverExtra-i
Events In the event if Person Covered:
- Is diagnosed with Critical Illness or undergoes a
covered surgery; or
- Sustains Total and Permanent Disability before
reaching age 70.
Descriptions Takaful Operator shall contribute the regular
contribution which will be used to purchase units
Entry Age 14 days old to 60 years old
Coverage Term Option to choose any of the following coverage term:
- Until age 70; or
- Until age 100
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A-Plus PayorExtra-i

Specifics A-Plus PayorExtra-i
Events In the event if certificate owner or payor of a juvenile
certificate:
- dies; or
- Is diagnosed with Critical Illness or undergoes a covered
surgery
- Sustains Total and Permanent Disability before reaching age
70
Descriptions Company shall contribute the regular contribution which will be
used to purchase units until the Person Covered reaches age 25
(with TPD coverage until Certificate Owners reaches age 70
years old
Entry Age Person Covered: 14 days old to 15 years old
Certificate Owner: 18 years old to 60 years old
Coverage Term The lower of:
i) 25 less the Person Covereds age
ii) Contribution paying term of the basic Certificate
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AIA Premier Academy
Funds Selection
What are the Investment-Linked Funds available?

A-Dana Equity
A-Dana Income

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AIA Premier Academy
Underwriting
Fees and Charges
Underwriting Guidelines and Servicing Rules
Agenda
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TAKAFUL
AIA Premier Academy
A Monthly Service Charge will be charged by deducting sufficient units
at the bid price every month on the monthly anniversary date.
The current Monthly Service Charge is as below:








Fees and Charges
Monthly Tabarru
The monthly Tabarru will be charged by deducting sufficient number of
units at the bid price every month on the monthly anniversary date.
Varies by attained age, smoking status, gender, occupation and health
condition


Monthly Service
Charge
Contribution Mode Monthly Service Charge (RM)
Annually 5
Semi-annually 5
Quarterly 5
Monthly 6
Fund Switching Fee
The fund switching fee is currently free
Fund Management
Charge
Fund Management Charge will be imposed for each of the fund.
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TAKAFUL
AIA Premier Academy
Certificate Servicing
Change of Contribution
Change of Sum
Covered
Add / Deletion of Rider
Partial Withdrawal
Switching
The Certificate Owner may instruct the Takaful Operator to switch the money invested in one fund
to another fund without switching fee subject to a minimum switch amount of RM50.
The Certificate Owner may increase or reduce the Sum Covered at the next monthly anniversary
date subject to the minimum Sum Covered multiple.
Any request for increasing the Sum Covered will be further subject to underwriting.
The revised Tabarru will be charged from the next monthly anniversary date onwards.
Addition or deletion of unit deducting rider(s) can be made at the next monthly anniversary date.
The Certificate Owner may increase or reduce the regular contribution at the next contribution due
date subject to the minimum regular contribution and the minimum Sum Covered multiple.
Partial withdrawal of the account value is allowed subject to minimum withdrawal amount of
RM1,000 and the minimum account value after withdrawal is RM1,000.
The sequence of withdrawal order:
1) Account Value from PIF-SA
2) Account Value from ad-hoc top-up
3) Account Value from PIF-PA

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TAKAFUL
AIA Premier Academy
Minimum: Sum Covered Multiple x (Annual Contribution UDR EC)







.
Underwriting
Entry Age
(last birthday)


14 days to 70 years old


Sum Covered
Coverage Term


Until age 100


Age (last birthday) of Person Covered Sum Covered Multiple
16 years old 60
17 to 25 years old 55
26 to 35 years old 50
36 to 45 years old 35
46 to 55 years old 25
56 and above 15
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TAKAFUL
AIA Premier Academy
52
Underwriting
Sum Covered
Equivalent Contribution of Riders attached:
1. A-Plus CriticalCare-i
2. A-Plus HospitalIncome Extra-i
3. A-Plus AccidentShield-i, A-Plus Total AccidentShield-i
4. A-Plus Waiver Extra-i
5. A-Plus PayorExtra-i 9. A-Plus Venus-i, A-Plus VenuzExtra-i
6. A-Plus Med-i 10. A-Plus GenNext-i
7. A-Plus Multi CriticalCare-i 11. A-Plus DisabilityCash-i
8. A-Plus Early CriticalCare-i




Maximum: subject to underwriting;
For TPD benefit, the sum covered will follow the basic sum covered up to RM8 mil
per life.
Underwriting
Requirement


Full underwriting

Medical Loading


Imposed on Tabarru for sub-standard life.

Occupational Loading


Occupational Tabarru will be charged for hazardous occupation.

Waiting Period


No


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TAKAFUL
AIA Premier Academy
Contribution Allocation Rate
Contributions payable will be allocated to purchase units of your chosen Investment-Linked
funds on the following contribution allocation rate.
Regular Contribution:
Certificate Year 1 2 3 4 5 6 7+
Contribution
Allocation
40% 40% 50% 70% 80% 80% 100%
Ad-Hoc Top Up / A-Plus Saver Contribution
95% Allocation
*Contribution not allocated to purchase units will be used for Wakalah Fee.
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AIA Premier Academy
Contribution Payment
Contribution Payment
Term

Until age 100


RM1,800

Minimum Total Annual
Contribution

Scenario 1: Scenario 2:
Regular Cont = RM1,200 Regular Cont = RM1,200
A-Plus Saver-i = RM0 A-Plus Saver-i = RM600
Total Annual Cont = RM1,200 Total Ann. Cont = RM1,800
Outcome = Not Allowed Outcome = Allowed

Contribution Mode

Monthly, quarterly, semi-annually and annually


Tabarru Rate
Guaranteed


The renewal Tabarru rate are not guaranteed.


Contribution Holiday



Options of:
Contribution Holiday with Basic Plan
Contribution Holiday with Basic Plan and Rider (s)



Grace Period



31 days from the contribution due date



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AIA Premier Academy
Certificate Servicing
Top-up

2 types of top-up:

1. Ad-hoc top-up
2. A-Plus Saver-i


Change Investment
Allocation
Types of Top-Up A-LifeLink-i
Ad-hoc Top-up RM500 (minimum)
A-Plus Saver-i Min is RM120 p.a.
Allowed request to change the allocation percentage of future
contribution allocation at anytime
Minimum percentage to invest in a fund is 5% and in
multiples of 5%
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AIA Premier Academy
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AIA Premier Academy
PRESENTATION ON :
A-LIFE MED REGULAR-I
(standalone)
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AIA Premier Academy
Agenda
Takaful Concept
Takaful Model
Introduction

Product
Schedule of Benefits
Underwriting Guideline
Exclusion
Appendix
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TAKAFUL
AIA Premier Academy
Takaful Concept
Takaful Model
Agenda
Introduction
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TAKAFUL
AIA Premier Academy
Takaful is an Arabic word literally means guaranteeing each other or "joint
guarantee".

The concept of Tabarru is the main underlying principle in the takaful system
making it free from uncertainty and gambling elements.

Tabarru' means "donation; gift.
Takaful Concept
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AIA Premier Academy
Takaful Model
Al-Qard Al-
Hasan if PRF
is deficient
Tabarru
(1-x%)
Participants Risk
Fund (PRF)
(Common)
Actual
Management
Expense
Wakalah Fee
(Operator)
Medical Expenses
Takaful Operators
Fund
Underwriting
Surplus
After Reserves
Participant
Reserves
X%
50%
50%
Surrender
Value
Contribution
Certificate
Benefits
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AIA Premier Academy

Agenda
Product
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AIA Premier Academy
Average Medical Cost
in Malaysia
2053 40
13,393,177
As reported in Star paper in 2009, medical inflation rate in Malaysia is estimated to be around
15%, whereas global medical inflation averages about 10% each year.*




*http://kclau.com/insurance/high-medical-inflation/

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AIA Premier Academy
What can we do?
What can we do to overcome this medical cost inflation?
Use own savings Earn more money
when healthy
Upgrade plan if you are
healthy and wealthy
Buy another medical plan if
you are healthy and
wealthy
Borrow from family and
friends
Make peace with lower
standard of medical
treatment
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AIA Premier Academy
A-Life Med Regular-i Plan
1. Lifelong Coverage (up to age 100)

2. No Lifetime Limit

3. Zero Co-Takaful and deductible charges

4. Hassle-free Just Swipe hospital admissions

5. Optional protection for YOUR family

6. Referral Emergency Assistance (REA) programme

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AIA Premier Academy
1. Lifelong coverage up to age 100
As early as 14 days
old
Age 70 Age 100
Entry Age
Coverage Age
A-Life Med Regular-i provides you the medical coverage up to age 100.
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TAKAFUL
AIA Premier Academy
2. No Lifetime Limit
A-Life Med Regular-i has no lifetime limit! With no lifetime limit,
you can be rest assured that you, and/or your familys
healthcare needs will be taken care of, for life*.
*Subject to annual limit.
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TAKAFUL
AIA Premier Academy
3. Zero Co-Takaful and Deductible Charges
A-Life Med Regular-i pays your medical treatment in full*,
without imposing Co-Takaful or deductible charges.
*Subject to Reasonable and Customary Charges
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TAKAFUL
AIA Premier Academy
4. Hassle-free Just Swipe Hospital Admissions
#
A-Life Med Regular-i provides you with hassle-free admission at all
panel hospital.
A medical card will be given to you to ease any hospital admission and
discharge.
#
If you are hospitalised for the first 3 months of your policy, you will have to settle your medical expenses first
and submit your claim with all the necessary documentations. For any hospitalisation due to an accident, you
can arrange for the Guaranteed Letter to be issued from AIA for your admission to hospital.

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AIA Premier Academy
5. Optional Protection for Your Family
You can choose to protect your spouse and/or your
children* under one plan!
*A maximum of 4 children is allowed for each Family plans coverage
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AIA Premier Academy
6. Referral Emergency Assistance (REA)
Enjoy worldwide assistance services by calling out 24-hour hotline
603-2166 5421 and reverse the call charges.
International Medical Assistance
Programme
Domestic Medical Assistance
Programme
Car Assistance Programme^
Home Assistance Programme^
Travel Assistance Programme^
^These services are confined to referral services only. The cost of the actual services shall be borne by the Certificate
Holder. 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 AIA PUBLIC and the third party service provider.
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AIA Premier Academy

Agenda
Schedule of Benefits
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AIA Premier Academy
A-Life Med Regular-i Schedule of Benefit
No. BENEFIT LIMITS Plan 150 Plan 200 Plan 250
1 Hospital Room and Board
(120 days maximum per Certificate Year and daily
maximum not to exceed amount as shown)
150 200 250
2 Additional Hospital Room and Board Whilst Overseas
(120 days maximum per Certificate Year and daily
maximum not to exceed amount as shown)
150 200 250
3 Intensive Care Unit Benefit
(120 Days maximum per Certificate Year)
Reasonable and Customary charges up to
Annual Limit
4 Hospital Supplies and Services
5 Surgical Fees Benefit
6 Operating Theatre Fees Benefit
7 Anesthetist's Fees Benefit
8 In-Hospital Physician Visit
Note: All amounts shown in the Schedule of Benefits above are in Ringgit Malaysia (RM) unless stated otherwise.
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TAKAFUL
AIA Premier Academy
A-Life Med Regular-i Schedule of Benefit
No. BENEFIT LIMITS Plan 150 Plan 200 Plan 250
9 Pre-Hospitalization Benefit
(within 60 days prior to Hospitalization)
- Pre-Hospital Diagnostic Tests Benefit
- Pre-Hospital Specialist Consultation Benefit
- Pre-Hospital Medication and Treatment Benefit
(RM300 maximum per Disability)
Reasonable and Customary charges up to
Annual Limit

10 Post-Hospitalization Treatment Benefit
(within 120 days after hospitalization)
- Post-Hospitalization Out-patient Diagnostic X-ray and
Lab Tests Benefit
- Post-Hospitalization Medical Expenses and
Consultation Benefit
11 Day Procedure Benefit
12 Out-Patient Physiotherapy & Acupuncture (per
Certificate Year and within 60 days after hospitalization) 4,000 6,000 8,000
13 Home Nursing per confinement
(180 days lifetime limit)
3,000 4,000 5,000
Note: All amounts shown in the Schedule of Benefits above are in Ringgit Malaysia (RM) unless stated otherwise.
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TAKAFUL
AIA Premier Academy
A-Life Med Regular-i Schedule of Benefit
No. BENEFIT LIMITS Plan 150 Plan 200 Plan 250
14 Organ/Bone Marrow Transplant Reasonable and Customary charges up to
Annual Limit
15 Daily-Cash Allowance at Government Hospital per day (120 days
maximum per Certificate Year)
100 100 100
16 Daily Guardian Benefit per day (120 days maximum per Certificate
Year)
90 110 130
17 Malaysian Government Service Tax As Charged, subject to Hospital Room and Board
entitlement
Overall Annual Limit (Item 1 to 17) Per Covered Member
100,000 125,000 150,000
18 Emergency Accidental Out-Patient Treatment and 30 days Follow-
up Treatment at Hospital and Clinic (per Accident)
2,000 for
both
combined
2,500 for
both
combined
3,000 for
both
combined
19 Emergency Accidental Out-Patient Dental Treatment (per Accident)
3,000 4,000 5,000
20 Out-patient Kidney Dialysis Treatment Benefit (per Lifetime) and
Out-patient Cancer Treatment Benefit (per Lifetime)
250,000 for
both
combined
312,500 for
both
combined
375,000 for
both
combined
21 Emergency Medical Evacuation & Repatriation Benefit (per Event)
USD1 Mill USD1 Mill USD1 Mill
Note: All amounts shown in the Schedule of Benefits above are in Ringgit Malaysia (RM) unless stated otherwise.
Rev01 2014/07/01


TAKAFUL
AIA Premier Academy

Agenda
Underwriting Guideline
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TAKAFUL
AIA Premier Academy
Underwriting Guideline Entry Age
Entry Age (Last Birthday):
Minimum age: Maximum age:
Person Covered (i.e. Owner): 14 days old 70 years old
Spouse 16 years old 70 years old
Dependent Child* 14 days old
22 years old (unmarried and is still on
full time higher education)
*New addition of dependent child can be between 14 days old to 22 years old provided there is at
least 1 dependent child already covered
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TAKAFUL
AIA Premier Academy
Underwriting Guideline - Coverage
Coverage term: until the Person Covered attains age 100 years old
Four types of coverage:

a) Person Covered
b) Person Covered and Spouse c) Person Covered and Children
Only one spouse is allowed to be covered at one time

The Certificate Holder may apply to cover:
a) All his/her own children
b) All his/her own children* and any children which the spouse
covered under the plan, had outside their marriage subject to
the acceptance of the company
*Limited to 4 children only
c) Person Covered, Spouse
and Children (Family)
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TAKAFUL
AIA Premier Academy
Underwriting Guideline
Additions and Deletions of Person Covered
a) New Dependent Children will automatically be covered, provided that there is at least one
Dependent Child already covered and the total number of Dependent Children already
covered is below 4 children. The Certificate Owner / Person Covered is required to give
notice and provide a copy of the childs birth certificate from the date on which the child is
14 days old, to AIA PUBLIC within 90 days of the event. Failure to do this will result in
cancellation of takaful coverage on that child.

b) If the children were not originally covered, the takaful coverage will be considered subject
to completion of an application for addition of the child and payment of a pro-rata
contribution for the period until the next Certificate Anniversary.

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TAKAFUL
AIA Premier Academy
Underwriting Guideline
Loading and Waiting Period
Loading
Medical Loading
Medical loading and/or exclusions may be imposed on
contribution for sub-standard case.
Occupational Loading Occupational loading and/or exclusions may be
imposed on contribution for hazardous occupation
Waiting Period
120 Days Specified Illnesses
60 Days Out-patient Cancer Treatment
30 Days Out-patient Kidney Dialysis Treatment
30 Days All other illnesses
Rev01 2014/07/01


TAKAFUL
AIA Premier Academy
Underwriting Guideline - Conversion
If the Person Covered dies and the plan is a Family Plan, the surviving spouse and
children will be allowed to convert to a new medical plan under Person Covered and
Children, with the surviving spouse becoming the new Person Covered. The
conversion must be submitted within 3 months from the date of death of the Person
Covered.

If the Person Covered dies and the plan is a Family Plan, no conversion is allowed for
the surviving spouse if the surviving spouse is already more than 70 years old.
However, the covered children will then be allowed to convert to individual Certificate
without evidence of insurability.

If the Person Covered dies and the rider is a Person Covered and Children Plan, the
covered children are allowed to be converted into individual Certificate without
evidence of insurability.

When a child reaches 23 years old, he/she is allowed to convert to an individual
medical plan if the child is covered under Family or Person Covered and Children Plan.
Rev01 2014/07/01


TAKAFUL
AIA Premier Academy
Exclusion
Agenda
Appendix
Rev01 2014/07/01


TAKAFUL
AIA Premier Academy
Exclusion
This plan do not cover any Hospitalization, Surgery or charges caused directly or indirectly,
wholly or partly, by any one of the following occurrences:

1. PRE-EXISTING ILLNESS:-

PRE-EXISTING ILLNESS shall mean Disabilities prior to the Issue Date or Commencement Date of
the relevant Supplementary Hospitalization Contract and that the Person Covered/Participant
has reasonable knowledge of. The Person Covered/Participant may be considered to have
reasonable knowledge of a pre-existing illness where the condition is one for which:-
(a) the Person Covered had received or is receiving treatment;
(b) medical advice, diagnosis, care or treatment has been recommended;
(c) clear and distinct symptoms are or were evident; or
(d) its existence would have been apparent to a reasonable person in the circumstances.

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TAKAFUL
AIA Premier Academy
Exclusion
2. SPECIFIED ILLNESS:-

Treatment or Surgery for Specified Illness until the Person Covered has been continuously
covered under the relevant Supplementary Hospitalization Contract for a period of 120 days
immediately preceding such treatment or Surgery.

SPECIFIED ILLNESSES shall mean the following Disabilities and its related complications:

Hypertension, diabetes mellitus and Cardiovascular disease
All tumours, cysts, nodules, polyps, stones of the urinary system and biliary system
All ear, nose (including sinuses) and throat conditions
Hernias, haemorrhoids, fistulae, hydrocele, varicocele
Endometriosis including disease of the Reproduction system
Vertebro-spinal disorders (including disc) and knee conditions.


Rev01 2014/07/01


TAKAFUL
AIA Premier Academy
Exclusion
3. Any medical or physical abnormalities existing at the time of birth, as well as neo-natal
physical abnormalities developing within 6 months from the time of birth. They will include
hernias of all types and epilepsy except when caused by a trauma which occurred after the date
that the Person Covered was continuously covered under the relevant Supplementary
Hospitalization Contract or any congenital or hereditary conditions which has manifested or
was diagnosed before the Person Covered attains 17 years of age.

4. Any Disability caused by self-destruction, intentional self-inflicted injuries, wilful exposure to
danger or any attempt of self-destruction while sane or insane.

5. War, declared or undeclared, strikes, riots, civil war, revolution or any warlike operations;

6. Service in the armed forces in time of declared or undeclared war or while under orders for
warlike operations or restoration of public order;

7. Any violation or attempted violation of the law or resistance to arrest.

8. Pregnancy, miscarriage or child birth;


Rev01 2014/07/01


TAKAFUL
AIA Premier Academy
Exclusion
9. Mental or nervous disorders, treatment of alcoholism, or drug abuse or any other
complications arising therefrom or any drug not prescribed by treating Doctor.

10. Plastic/Cosmetic surgery, circumcision (except circumcision due to infection), eye
examination/elective surgery for visual impairments due to nearsightedness, farsightedness
or astigmatism or radial keratotomy; all corrective glasses, contact lenses and intraocular
lens (except monofocal intraocular lenses in cataract) surgery or the use or acquisition of
external prosthetic appliances or devices such as artificial limbs, hearing aids, and
prescriptions thereof;

11. Any form of dental care or Surgery unless necessitated by injury but excluding the
replacement of natural teeth, placement of denture and prosthetic services such as bridges
and crowns or their replacement;

12. Hospitalization 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.;

Rev01 2014/07/01


TAKAFUL
AIA Premier Academy
Exclusion
13. Any treatment or investigation which is not Medically Necessary, or convalescence, custodial
or rest care;

14. Any medical or physical conditions arising within the first 30 days of the Issue Date or
Commencement Date of the Certificate whichever is later except for Covered Injury.

15. Ionizing radiation or contamination by radioactivity from any nuclear fuel or nuclear waste
from process of nuclear fission or from any nuclear weapon material

Rev01 2014/07/01


TAKAFUL
AIA Premier Academy