AIA Vitality Yearly Cash Bonus

Vitality A-Life Cancer360-i
Yearly Cash Bonus
Product Marketing
Nov 2016
Version v4 FINAL
AIA PUBLIC Takaful Bhd. confidential and proprietary information. Not for distribution.
Disclaimer
For internal staff and agent training

only. This document is not a marketing 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
PUBLIC authorized marketing materials are to be
used when prospecting.
1
Vitality A-Life Cancer360-i
2
Contents
1 Why? 4 Who?
2 What? 5 When?
3 How?
3
4
Widespread phenomenon in Malaysia too
Year 2012
37,400
new cancer cases
Increased from 32,000 in 2008
1 new case every 14 minutes
21,700
deaths due to cancer
Increased from 20,100 in 2008
1 death every 24 minutes
Source: http://www.thestar.com.my/News/Community/2014/02/18/Rise-in-cancer-deaths-in-Msia-Conference-and-expo-this-Saturday-to-
educate-public-on-how-to-deal-wit/
Cancer cases are expected to increase in Malaysia
2025
37,400
32,000 cases
cases
2012
2008
AIA PUBLIC Takaful Bhd. confidential and proprietary information. Not for distribution. Source: http://www.thesundaily.my/node/322890
With the expected increase in cancer cases..
Is there
anything we
can do to
reduce
cancer risk?
Nearly 40% of all cancers are
preventable with lifestyle change
YOU CAN
Take charge of your
lifestyle choices!
It’s time to do something for yourself!

But it is never easy to make healthy choices..
Healthy choices
Temptations AIA Vitality helps us choose a healthier lifestyle
The milestone for AIA Vitality
AIA What's
Vitality next?
More to
come
A-LifeLink-i Something
with Cover
Boost
AWESOME!
6 June
2016
A-Life Cancer360-i Integrated with AIA Vitality
Be rewarded withBe rewarded

Yearly with
Cash Bonus
Yearly Cash Bonus
START FROM
11
How to enjoy Yearly Cash Bonus?
AIA Vitality
Participate in A-Life Cancer360-i Join AIA Vitality

(ALC360i)
Coverage from early stages Be rewarded with Yearly Cash
of cancer onwards, and up Bonus every year depending
to 200% coverage amount. on your AIA Vitality Status.
What is Yearly Cash Bonus?
YAY! Participate 20% of the Basic From 2nd year onwards, the Yearly Cash
in ALC360i + join Contribution Paid1 for Bonus payable will increase or
AIA Vitality ALC360i at the end of Year 1 decrease depending on Yearly Cash
first year regardless of Bonus Percentage (%) that will be adjusted
your AIA Vitality Status. based on Person Covered’s AIA Vitality
Status at each Certificate Anniversary. Year 2
Buy ALC360 +
Join AIA Vitality
AIA Vitality Status Platinum Gold Silver Bronze

Year 80 Change in Yearly Cash Bonus
+1% 0% -2% -4%
Percentage (%)
Note:
1 BasicContribution Paid means the amount that you are required to pay in a certificate year for the basic plan including the extra contribution imposed for basic plan due to
higher standard medical rating (if any) and this amount has already been paid by you.
Yearly Cash Bonus Mechanism
Welcome! Year 1 Year 2

G
Yearly Cash Bonus: Yearly Cash Bonus: 20%

You participated in ALC360i and joined of your Basic Contribution Paid
20% of Basic Contribution Paid
AIA Vitality.
(regardless of your AIA Vitality
Status in the first year)
Year 4 Year 3
G G
Yearly Cash Bonus: 20% of Yearly Cash Bonus: 20% of

your Basic Contribution Paid your Basic Contribution Paid
CHOOSE HEALTHY BE REWARDED WITH HIGHER CASH BONUS
Max
50%
Platinum End of 3rd year
YOU WILL GET Status
EVEN MORE CASH

P 22% of the
Annualised Basic
Contribution Paid
End of 2nd year
YOU WILL GET Platinum
Status
MORE CASH 21% of the
P Annualised Basic
End of 1st year Contribution Paid
YOU WILL GET

of your Annualised Basic
20%
Contribution Paid
Get MORE with Yearly Cash Bonus!

15
When will the Yearly Cash Bonus Be Payable?
Yearly Cash Bonus (if any) will be payable on every certificate

anniversary
What determines the amount of Yearly Cash Bonus payable from 2nd year onwards?
Yearly Cash Bonus Percentage (%) that will be adjusted based on

B S G P
Person Covered’s AIA Vitality Status every year
What is the maximum Yearly Cash Bonus you can get?
The maximum Yearly Cash Bonus that you can get each year is 50% of your
basic contribution paid for ALC360i
What are the conditions for Yearly Cash Bonus payout?
Yearly Cash Bonus (if any) will only 16 be paid if ALC360i certificate is in force, AIA
Vitality membership
AIA PUBLIC isand
Takaful Bhd. confidential active
proprietaryand Yearly
information. Cash Bonus Percentage (%) is not 0%
Not for distribution.
MORE savings with AIA Vitality
Mr. A Mr. B
ALC360i ALC360i
WITHOUT AIA Vitality WITH AIA Vitality
Age: 30, non smoker
With RM 300,000 coverage amount
NO Annual Contribution RM 4,026 Extra Bonus

EXTRA Total Contribution Paid
(until age 80)
RM 201,300
Maximum up to
BONUS Total Cancer Coverage

Up to RM 40,260
RM 600,000
Assuming Mr. B achieved Gold status
Maturity Payout RM 300,000 throughout the certificate years
Which one will you choose? Mr. A or Mr. B?

Go for GOLD!
AIA Vitality makes healthier living easier
– in 3 steps
1 Know your health 2 Improve your health
Earn AIA Vitality Points
Personal Exercise
AIA Vitality Age Goals
Nutrition Quit smoking
3 Enjoy the rewards
Rewards
Achieve AIA Vitality Status
Bronze Silver Gold Platinum
Higher Status  Better Rewards including extra coverage benefits

9
AIA Vitality
Getting to Gold Status is easy! (≥ 20,000 points)
19
How Yearly Cash Bonus works in numbers?
Ali, male age 30, non smoker

Participated in ALC360i with Sum Covered of RM 100,000 and joined AIA Vitality
Annual Contribution: RM 1,342
AIA Vitality Status Bronze Silver Gold Platinum

Change in YCB % -4% -2% 0% +1%
Participate
in ALC360i Certificate Certificate Certificate
& Join Anniversary S Anniversary G Anniversary
Vitality
1 Jan 17 1 Jan 18 17 Nov 18 1 Jan 19 17 Nov 19 1 Jan 20
S G
Yearly Cash Bonus #1 Yearly Cash Bonus #2 Yearly Cash Bonus #3

YCB% = 20% YCB% = 18% YCB% = 18%
20% * RM 1,342 = RM 268.40 18% * RM 1,342 = RM 241.56 18% * RM 1,342 = RM 241.56
Note:
Basic Contribution Paid refers to the total amount that you are required to pay for ALC360i in a certificate year including the medical loading (if any) for
ALC360i and this amount has already been paid by you.
Scenario 1: New ALC360i + New Vitality member

Participate in
ALC360i & Certificate Certificate
Join Vitality Anniversary Anniversary
1 Jan 17 1 Jan 18 1 Jan 19
B S G P
Yearly Cash Bonus #1 From 2nd year onwards, Yearly Cash Bonus
YCB% = 20% payable will increase or decrease depending
20% * RM 1,342 = RM 268.40 on Yearly Cash Bonus Percentage (%) that
will be adjusted based on Person Covered’s
AIA Vitality Status.
Note:
Basic Contribution Paid refers to the total amount that you are required to pay for ALC360i in a certificate year including the medical loading
(if any) for ALC360i and this amount has already been paid by you.
Scenario 2: New ALC360i + Existing Vitality member

Joined AIA
Vitality via Participated Certificate Certificate
A-LifeLink-i in ALC360i Anniversary Anniversary
July 16 1 Jan 17 1 Jan 18 1 Jan 19
B S G P
Yearly Cash Bonus #1 From 2nd year onwards, Yearly Cash Bonus
YCB% = 20% payable will increase or decrease depending
20% * RM 1,342 = RM 268.40 on Yearly Cash Bonus Percentage (%) that
will be adjusted based on Person Covered’s
AIA Vitality Status.
Note:
Basic Contribution Paid refers to the total amount that you are required to pay for ALC360i in a certificate year including the medical loading (if
any) for ALC360i and this amount has already been paid by you.
Scenario 3: Existing ALC360i + New Vitality member

Participated Launch of Joined

Certificate G Certificate
in ALC360i Integrated AIA
Anniversary Anniversary
ALC360i Vitality T - 45days
1 Jan 16 5 Dec 16 15 Dec 16 1 Jan 17 17 Nov 18 1 Jan 18
Pro-rated Yearly Cash

Yearly Cash Bonus
Bonus
Vitality membership is
Vitality membership is active for 365 days
active for 17 days
Yearly Cash Bonus #1 Yearly Cash Bonus #2

YCB% = 20% YCB% = 20%
20% * RM 1,342* (17/366) = RM 12.46 20% * RM 1,342 = RM 268.40
Scenario 4: Existing ALC360i + Existing Vitality member

Joined AIA Launch of

Participated Certificate G Certificate
Vitality via Integrated
in ALC360i A-LifeLink-i ALC360i Anniversary Anniversary
T - 45days
1 Jan 16 1 July 16 5 Dec 16 1 Jan 17 17 Nov 18 1 Jan 17
Pro-rated Yearly
Yearly Cash Bonus
Cash Bonus
Vitality membership is Vitality membership is

active for 27 days active for 365 days
Yearly Cash Bonus #1 Yearly Cash Bonus #2

YCB% = 20% YCB% = 20%
20% * RM 1,342* (27/366) = RM 19.79 20% * RM 1,342 = RM 268.40
A-Life Cancer360-i
The basis to enjoy Yearly Cash Bonus
AIA confidential and proprietary information. Not for distribution.

Introducing
Introducing
A-Life Cancer360-i
A-Life Cancer360-i
End-to-end Cancer Protection Plan
A standalone Takaful plan

Protecting you from early stage cancer
and beyond
Marketing Story
28
Notes: Terms and Conditions apply 29
1. Early Stage Cancer Protection
Early Stage Cancer Recovery

Power Reset
Benefit Reward
Upon diagnosis of Early Stage Cancer
Early Prostate Cancer Early Thyroid Cancer

30% of
Sum Covered
Early Bladder Cancer Carcinoma-In-Situ
Early Chronic
Note Lymphocytic
• This benefit is only claimable once.
• Upon claims, the benefit payable shall reduce the Leukaemia
Sum Covered of Cancer Benefit 31

Power Reset
Benefit Reward
Within 1st year after diagnosis of

Early Stage Cancer
Things to note
• Early Stage Cancer

Benefit and Recovery
Reward are only
claimable once.
• Upon claims, the benefits

payable shall reduce the
Sum Covered of Cancer
Benefit payable on
Benefit
6th month
12th month
32

Power Reset
Benefit Reward
By end of 1st year after diagnosis of AIA PUBLIC

Early Stage Cancer activates Power
Reset
Reset to
50% of
Sum Covered 100%
of Sum Covered
33

Power Reset
Benefit Reward
Upon diagnosis
6 months after 12 months after diagnosis
of Early Stage
diagnosis
Cancer
Payout
30% 10% 10%
Total Payout = 50%
Power Reset
Early Stage Cancer Benefit
Remaining Sum Covered
Recovery Benefit
Recovery Benefit
(2nd Payment)
(1st Payment)
activate
100% 70% 60% 50%

AIA PUBLIC Takaful Bhd. confidential and proprietary information. Not for distribution. 100%
2. Cancer Protection
Extended Recovery
Cancer Benefit
Income
Upon diagnosis of cancer
If cancer claim is made:

we will pay 1 within 12 months from the diagnosis of early
stage cancer claim
100% Cancer Benefit shall be reduced by the payments

made under Early Stage Cancer Benefit and
Recovery Reward.
of Sum Covered 2 After 12 months from the diagnosis of early
stage cancer claim
No adjustment required. 100% of the Sum
Covered will be paid.
36
Extended Recovery
Cancer Benefit
Income
If Cancer is diagnosed within 12 months from the diagnosis of Early Stage Cancer
Scenario 1 Scenario 2 Scenario 3
30% 30%
payout payout
10%
payout
After Early After first Cancer Benefit

Stage Cancer payout of is claimed after
Benefit payout Recovery Power Reset
Reward is activated
70% 60% 100%
of Sum of Sum of Sum
Covered Covered Covered
37
Extended Recovery
Cancer Benefit
Income
Upon payout of Cancer

Benefit:
A-Life
Cancer360-i
terminate? Benefits does not
All the other
benefits
stop when you
ceased ? need it the most
Continue with
basic plan
contribution ?
Note:.
o First payment is payable 12 months from the diagnosis of Cancer.
o If Person Covered dies before the income payment ends, the subsequent income shall continue to be payable to the
beneficiary 38
Extended Recovery
Cancer Benefit
Income
To help you to get through

the most critical moment of
10%
your life and let you focus Things to note
on your recovery
o First payment is
10% payable 12 months
from the diagnosis of
Cancer.
Annual payments 10% o If the Person Covered

dies before the
worth 10% of the Extended Recovery
Income ends, the
Sum Covered for 5 10% subsequent incomes
consecutive years shall be paid to the
beneficiary!
10%
39
Cancer Solution
Extended
Early Stage Recovery Power Cancer Recovery
Cancer Benefit Reward Reset Benefit
Income
Protect yourself in 5 ways

along the journey to combat cancer
3. Maturity Benefit
Celebrate a significant Living a

milestone of your life You have good life in
braved your
through the golden
Early Stage years
Cancer
Upon maturity, we will pay
100%
of the Sum Covered
Note: Maturity benefit is payable upon maturity at age 80 42

4. Other Benefits
Upon death, we will pay: Amount
Sum Covered
10% of Sum Covered

or Surrender Value,
whichever is higher 10% Sum Covered
Certificate Year
Note:
In the event of death due to non-accidental cause in the first 2 years, total Contributions paid
will be refunded.
44
Benefits at a Glance
Number of Units Coverage 1 2 3 4 5 6

Sum Covered (RM) 50,000 100,000 150,000 200,000 250,000 300,000
Cancer Benefit*
Upon claim, all the other benefits shall cease 100% of Sum Covered
(except Extended Recovery Income)
10% of Sum Covered is payable after 12 months from the

Extended Recovery Income diagnosis date of Cancer and every 12 months thereafter for
a total of 5 payments
Early Stage Cancer Benefit**

I. Carcinoma-in-situ
II. Early Prostate Cancer 30% of Sum Covered
III. Early Thyroid Cancer
IV. Early Bladder Cancer
V. Early Chronic Lymphocytic Leukemia
10% of Sum Covered is payable after 6 months and 12

Recovery Reward ** months from the diagnosis date of Early Stage Cancer
*If cancer occurs within 12 months from the diagnosis date of Early Stage Cancer, the Cancer Benefit payout shall be subject to the deduction of the
payout for Early Stage Cancer Benefit and Recovery Reward (if any).
**Early Stage Cancer Benefit and Recovery Reward are only claimable once throughout the Certificate term. Claims on these benefits shall reduce the
AIACovered
Sum PUBLIC of
Takaful Bhd. confidential
the Cancer Benefit. and proprietary information. Not for distribution.
Benefits at a Glance
Number of Units Coverage 1 2 3 4 5 6
Sum Covered (RM) 50,000 100,000 150,000 200,000 250,000 300,000
Sum Covered shall return back to 100% after 12 months

Power Reset from the diagnosis date of Early Stage Cancer
10% of Sum Covered^ or Surrender Value, whichever is

Compassionate Benefit upon Death higher
Maturity Benefit 100% of Sum Covered
An additional bonus every year (if any) when you participate

Yearly Cash Bonus in A-Life Cancer360-i and sign up as an AIA Vitality member.
^In the event of non-accidental death in the first 2 years, total Contributions paid will be refunded.
Product Recap
EARLY STAGE CANCER

BENEFIT
RECOVERY REWARD
POWER RESET
YEARLY CASH BONUS
AIA PUBLIC Takaful Bhd. confidential and proprietary information. Not for distribution. Note: Terms and Conditions apply.
Product
48
Benefit Illustration 1: Cancer
Mr. Ali, 30 years old, non smoker,

Participated in ALC360i with Sum Covered of RM 100,000
• After this Cancer Benefit payout, Certificate

Diagnosed with
will be terminated.
Participate in Stage III Lung
• However, ALC360i continues with the Extended
ALC360i Cancer
Recovery Income to support you during this
critical moment.
1 Oct 2015 1 June 2018 1 June 2019 1 June 2020 1 June 2021 1 June 2022 1 June 2023
Cancer Benefit Extended Recovery Income

RM 100,000 RM 10,000 is paid every year for 5 years
Total amount paid : RM 150,000
Benefit Illustration 2: Early Stage Cancer > Cancer
Cancer claim after 12 months from Early Stage Cancer

SC
• After this Cancer Benefit payout,
reset to
Diagnosed with RM 100,000 Diagnosed with Certificate will be terminated.
Early Stage Stage III Lung • However, ALC360i continues with the
Thyroid Cancer Cancer Extended Recovery Income to support
you during this critical moment.
SC reduced to SC reduced to SC reduced to
RM 70,000 RM 60,000 RM 50,000
1 June 2018 1 Oct 2021 …………. 1 Oct 2025

1 Dec 2018 1 June 2019 1 Oct 2020
Early Stage Recovery Reward Extended Recovery Income

Cancer Benefit RM 10,000 each after 6th Cancer Benefit
RM 10,000 is paid every year for
RM 30,000 months and 12th months RM 100,000
5 years
No waiting period
SC: Sum Covered
between claims

Benefit Illustration 3: Early Stage Cancer > Cancer
Cancer claim within 12 months from Early Stage Cancer

• After this Cancer Benefit payout, Certificate

Diagnosed with Diagnosed with will be terminated.
Early Stage Stage III Lung • However, ALC360i still continue with the
Thyroid Cancer Cancer Extended Recovery Income to support you
during this critical moment.
SC reduced to SC reduced to
RM 70,000 RM 60,000
1 June 2018 1 Jan 2020 …………. 1 Jan 2024

1 Dec 2018 1 Jan 2019
Early Stage Recovery Reward Cancer Benefit Extended Recovery Income

Cancer Benefit RM 10,000 after RM 60,000 RM 10,000 is paid every year for
RM 30,000 6th months 5 years.
No waiting period
SC: Sum Covered between claims
How much are you willing to pay to
have access to this RM 200,000*
emergency fund?
Do you know?
1 Number of years to reach RM 200,000 if you

choose to save^ instead:
o Around 17 years, if you save RM 1,000 monthly.
o Around 34 years, if you save RM 500 monthly.
2 There is 25% chance that you may need these

benefits if you live up to age 75.
* Assuming 2 units of coverage and entitlement up to 200% of Sum Covered

^ Assuming the savings does not provide interest/profit
Let’s see how affordable the plan is…
Mr. Ali Mrs. Aishah
age 30 age 30
non smoker non smoker
2 units of coverage 2 units of coverage
(RM 100,000 Sum Covered) (RM 100,000 Sum Covered)
Annual Contribution RM 1,342 RM 1,628
Total Contribution RM 81,400

RM 67,100
(until age 80)
Up to
Up to
Total Benefit RM 200,000
Entitlement RM 200,000
Maturity Payout RM 100,000

(at age 80) RM 100,000
Product
54
A product is only great when it reaches more customers
That is what we set out to deliver.
55
New approach in underwriting
Cancer Based Underwriting
What does it mean to you?

Tell me more!
Customers who are rejected from other life or health
o A tailor-made underwriting 1
cover might be entitled to get cancer cover.
approach.
o Looks into the medical 2
Confident that more of your submissions will be
conditions and family history converted into production, simpler and faster.
which are related to cancer
only. More opportunities to upsell / cross sell to other
3
family members of the customers!
o Wider range of people can
get covered under
ALC360i!
Turning challenges into great sales opportunities
1 My client already has 36 CI coverage but would like to top-up on

cancer coverage and be protected against early stage cancer.
2 My client would like to be protected for cancer but he was

rejected for CI coverage due to stroke.
3 My client is concerned about cancer and looking for a cancer-

focused product.
4
My client does not want his Contribution to be “burned” if he
does not make any claim.
A-Life Cancer360-i is an ideal product solution to all the challenges above!

Product
58
The day we start to fight
CANCER
09 12 16 - -
59
Features you should take note
o Cover death (up to age 80) & TPD (up to age 65)
A-Plus LifeCover-i
o 100% of the rider Sum Covered will be payable
o Follow Sum Covered of A-Life Cancer360-i
o Special feature – This rider remain inforce if basic plan is terminated
due to full claim on Cancer Benefit payout. Contribution on rider shall
continue.
(provided the rider’s Sum Covered did not accelerate by A-Plus CriticalCover-i)
A-Plus CriticalCover-i o Sub-rider of A-Plus LifeCover-i

o Cover 36 Critical Illnesses (up to age 80)
o 100% of the rider Sum Covered will be payable
o Follow Sum Covered of A-Plus LifeCover-i
o Any amount payable shall reduce the Sum Covered of
A-Plus LifeCover-i
Complete Your Protection Needs
Comprehensive
Critical Illnesses
Solution with Focus
on Cancer
A-Life Cancer360-i
A-Plus LifeCover-i
A-Plus CriticalCover-i
OVERVIEW
of Product Features
Product Structure & Design
Features and A-Plus LifeCover -i A-Plus CriticalCover-i

A-Life Cancer360-i
Benefits (optional rider) (rider of A-Plus LifeCover-i)
Standalone Regular Optional rider of
Plan Type Optional rider
Contribution A-Plus LifeCover-i
Entry Age 14 days – 60 years old
Min: 1 unit; Max: 6 units Rider Sum Covered – Rider Sum Covered –
Sum Covered
each unit is RM 50,000 follow Basic Plan follow A-Plus LifeCover-i
Coverage Term Age 80
Contribution
Throughout Contribution Term, until age 80
Paying Term
Underwriting
Cancer-based Underwriting Normal Underwriting Normal Underwriting
Requirement
Occupational May be imposed for May be imposed for hazardous
Not applicable
Loading hazardous occupation occupation
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 Yes Yes (except for cancer)
Product Structure & Design
A-Plus LifeCover-i A-Plus CriticalCover-i

Features and Benefits A-Life Cancer360-i
(optional) (sub-rider on A-Plus LifeCover-i)
Not guaranteed. Not guaranteed. Not guaranteed.

Contribution Rate
Level contribution. Level contribution. Level contribution.
Subject to GST? No No Yes
Contribution Payment Mode Multiple Annual Contribution by

Annual 1.000
Contribution Payment Semi Annual 0.500
Mode and Modal Factor Quarterly 0.2500
Monthly 0.0833333
o Surrender Value, from PRF

Non-Forfeiture Option
o Reduced Paid-up, based on Surrender Value
31 days from the Contribution due date for payment of each subsequent regular
Grace Period
Contribution payment
Free-look Period Within 15 days after the Certificate Owner received the Certificate
List of 36 Critical Illnesses - A-Plus CriticalCover-i
1. Stroke 19. Coma

2. Cancer 20. Major Burns
3. Heart Attack 21. Multiple Sclerosis
4. Coronary Artery By-Pass Surgery 22. Paralysis / Paraplegia
5. Other Serious Coronary Artery Disease 23. Muscular Dystrophy
6. Angioplasty And Other Invasive Treatment 24. Alzheimer’s Disease / Irreversible Organic
for Major Coronary Artery Disease. Degenerative Brain Disorders
7. Heart Valve Surgery 25. Motor Neuron Disease
8. Fulminant Viral Hepatitis 26. Parkinson’s Disease
9. End Stage Liver Failure 27. Terminal Illness
10. Primary Pulmonary Arterial Hypertension 28. Encephalitis
11. End Stage Lung Disease 29. Benign Brain Tumor
12. End Stage Kidney Failure 30. Major Head Trauma
13. Surgery to Aorta 31. Bacterial Meningitis
14. Chronic Aplastic Anemia 32. Medullary Cystic Disease
15. Major Organ / Bone Marrow Transplant 33. Brain Surgery
16. Blindness / Total Loss of Sight 34. Loss of Independent Existence
17. Deafness / Loss of Hearing 35. HIV Due to Blood Transfusion
18. Loss of Speech 36. Severe Cardiomyopathy
Exclusions
A-Life Cancer360-i
1. any illness or surgery other than a Diagnosis of or surgery for Cancer or Early Stage Cancer as defined;
2. the signs or symptoms first occurred within sixty (60) days following from the Issue Date or Commencement Date of this
Certificate, whichever is later;
3. the Cancer or Early Stage Cancer arises directly or indirectly from a Pre-Existing Condition as defined, which existed prior
to the Issue Date or Commencement Date of this Certificate, whichever is later;
4. the Cancer or Early Stage Cancer, where in Our opinion, was caused directly or indirectly by the existence of Acquired
Immune Deficiency Syndrome (AIDS) or by the presence of any Human Immunodeficiency Virus (HIV) infection. We reserve
the right to require the Person Covered to undergo a blood test for HIV as a condition precedent to acceptance of any
claim. The exception is when HIV due to Blood Transfusion as defined in this Certificate. For the purpose of this
Certificate,
(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;
(b) infection shall be deemed to have occurred where blood or other relevant test(s) indicate in Our opinion either the
presence of any Human Immunodeficiency Virus or Antibodies to such a Virus;
5. the Cancer or Early Stage Cancer was diagnosed due, directly or indirectly, to a congenital defect or disease, which was
manifested or was diagnosed before the Person Covered attains 17 years of age;
6. Cancer or Early Stage Cancer is caused by a self-inflicted injury;
7. the Cancer or Early Stage Cancer resulting directly from alcohol or drug abuse.
AIA PUBLIC
Note: Takaful Bhd.
The exclusions confidential and proprietary
are non-exhaustive, information.
please refer Not for
to the Takaful distribution.
Certificate for more details.
Exclusions
A-Plus LifeCover-i A-Plus CriticalCover-i

Death: 1. Pre-existing Conditions prior to the Issue Date or
1. Death due to suicide within 1 year from the Issue Date Commencement Date, whichever is later; or
or Commencement Date, whichever is later, AIA 2. Cancer, Heart Attack, Coronary Artery By-Pass Surgery,
PUBLIC Takaful Bhd.’s liability shall be limited to the Other Serious Coronary Artery Disease and Angioplasty
refund of contributions paid without profit. and Other Invasive Treatments for Major Coronary Artery
Disease, for which the signs or symptoms first occurred
within 60 days following the Issue Date or
Total and Permanent Disability (TPD):
Commencement Date, whichever is later; or
1. Willful exposure to danger or attempted self-
3. All other critical illnesses for which the signs or symptoms
destruction or self-inflicted injuries while sane or
first occurred within 30 days following the Issue Date or
insane; or
Commencement Date, whichever is later; or
2. Services in any armed forces in time of declared or
4. Critical illness was diagnosed directly or indirectly due to
undeclared war or while under orders for warlike
a congenital defect or disease which has manifested or
operations or restoration of public order; or
was diagnosed before age 17; or
3. Activities connected to any aerial device or
5. Any of the following conditions is caused directly or
conveyance except as a fare-paying passenger or
indirectly by AIDS or infection by any Human
crew member on a commercial airline on a regular
Immunodeficiency Virus (HIV) is not covered:
scheduled passenger trip over its established
passenger route; or o Fulminant Viral Hepatitis
o Cancer
4. Any congenital defect which has manifested or was
o Encephalitis
diagnosed before age 17; or
o Bacterial Meningitis
5. Pre-existing disability resulting from a physical or o Alzheimer's Disease / Irreversible Organic
mental condition. Degenerative Brain Disorders
o Terminal Illness
Note: The exclusions

AIA PUBLIC are confidential
Takaful Bhd. non-exhaustive, please refer
and proprietary to the Takaful
information. Certificate for more details.
Not for distribution.
Juvenile Lien
Applicable to A-Plus LifeCover-i & A-Plus CriticalCover-i only
If Person Covered has not attained the age of 4 years

old at the time of death, TPD, diagnosis of any of the 36
CI (except cancer), the Sum Covered payable shall be
subject to the following Juvenile Lien Percentage:
Age Last Birthday Payable as % of

(years old) the Sum Covered
0 20
1 40
2 60
3 80
4 and above 100
What is Takaful?
 Takaful is an Arabic word literally means “guaranteeing each other” or

"joint guarantee".
 Takaful is a mutual assistance scheme based on the principles of

solidarity, brotherhood, and cooperation.
 In line with the concept of ta’awun (mutual help and

assistance):
ِ ‫اْل ْث ِم َو ْالع ُْد َو‬

‫ان‬ ِ ْ ‫َو َت َع َاو ُنوا َعلَى ْال ِبرِّ َوال َّت ْق َو ٰى ۖ َو ََل َت َع َاو ُنوا َعلَى‬
“Help (ta’awun) one another in furthering virtue (birr) and God
consciousness (taqwa) and do not help one another in furthering evil
and enmity”. [al-Maidah: 2]
69
What is the Concept of Takaful?
 The concept of Tabarru‘ is the main underlying

principle in the Takaful system making it free
from uncertainty, gambling and usury
elements.
 Tabarru' means "donation; gift”.
 Each participant agrees to contribute on the

basis of Tabarru’ (donation) into a pool fund,
which will be used to assist each other in times
of need.
AIA PUBLIC Takaful Bhd. (AIA PUBLIC) as a Takaful Operator (TO) is

entrusted to properly invest and manage this fund in accordance with
the investment strategy that complies with Shariah principles.
70
Rewards of Doing Good Deeds
ْ ‫َّللا َك َم َث ِل َح َّب ٍة أَن َب َت‬

ۗ ‫ت َسب َْع َس َن ِاب َل فِي ُك ِّل ُسن ُبلَ ٍة ِّما َئ ُة َح َّب ٍة‬ ِ ‫ون أَمْ َوالَ ُه ْم فِي َس ِب‬
ِ َّ ‫يل‬ َ ‫َّم َث ُل الَّ ِذ‬
َ ُ‫ين يُنفِق‬
‫اس ٌع َعلِي ٌم‬ َّ ‫اعفُ لِ َمن َي َشا ُء ۗ َو‬
ِ ‫َّللاُ َو‬ ِ ‫ض‬َ ‫َّللاُ ُي‬َّ ‫َو‬
The example of those who spend their wealth in the way of Allah is like a seed [of grain] which grows
seven spikes; in each spike is a hundred grains. And Allah multiplies [His reward] for whom He wills.
And Allah is all-Encompassing and Knowing.
[al-Baqarah: 261]
‫َّللاُ ِع ْن َدهُ َح َس َن ًة‬ َ ِ‫ت ُث َّم َبي ََّن َذل‬

َّ ‫ك َف َمنْ َه َّم ِب َح َس َن ٍة َفلَ ْم َيعْ َم ْل َها َك َت َب َها‬ ِ ‫ت َوال َّس ِّي َئا‬ ِ ‫ب ْال َح َس َنا‬ َ َّ َّ‫إن‬
َ ‫َّللا َك َت‬
‫ف إِلَى‬ٍ ْ‫ضع‬ ِ ‫ت إِلَى َس ْب ِع ِما َئ ِة‬ ٍ ‫َّللاُ َع َّز َو َج َّل ِع ْن َدهُ َع ْش َر َح َس َنا‬ َّ ‫َكا ِملَ ًة َوإِنْ َه َّم ِب َها َف َع ِملَ َها َك َت َب َها‬
َ ‫ف َك ِث‬
‫ير ٍة‬ ٍ ‫أَضْ َعا‬
Verily Allah recorded the good and the evil and then made it clear that he who intended good but did
not do it, Allah recorded one complete good in his favour, but if he intended it and also did it, the
Glorious and Great Allah recorded ten to seven hundred virtues and even more to his credit.
[Reported by Muslim]
71
Takaful Model of A-Life Cancer360-i
1. Contribution from Participant

1 Certificate Benefits
4 •Cancer Benefits 2. (i) Wakalah Fee (X%) will be
Participant •Maturity deducted from the Contribution.
•Surrender Value/Benefit (ii) Balance of Contribution (1-X%)
•Rider(s) Benefits will be allocated to PRF (pool
fund), as Tabarru’.
Contribution 4
Participants’ Risk
Fund (PRF) 3. Wakalah Fee will be allocated into
Tabarru‘ TO fund for managing the plan
2(ii) (Common)
2(i) X% (1-X%) (including commission).
Cancer Benefits 5
4. Claims and benefits will be paid
6 Maturity Benefit
from PRF.
Takaful Operator’s Rider(s) Benefits
Wakalah Fee
Fund Al-Qard Al-
(Operator) 5. If there is any Surplus from PRF
Hasan if PRF Reserves
3 is deficient after every financial year, the
50% portion will be shared between
eligible Participants & TO in 50:50
Surplus
After
5 50% Reserves/Required 6. If there is a deficit in PRF, the TO
Actual Management Capital will cover the deficiency by giving
Expense (including interest-free loan (Al-Qard Al-
commission) Hasan).
Payout to Participant
Fees and Takaful Operator (TO)’s expenses

72
73

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AIA confidential and proprietary information. Not for distribution.

A standalone Takaful plan

Early Stage Cancer Recovery

Upon diagnosis of Early Stage Cancer

Early Prostate Cancer Early Thyroid Cancer

Early Bladder Cancer Carcinoma-In-Situ

Early Stage Cancer Recovery

Within 1st year after diagnosis of

• Early Stage Cancer

• Upon claims, the benefits

Early Stage Cancer Recovery

By end of 1st year after diagnosis of AIA PUBLIC

Early Stage Cancer Recovery

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Total Payout = 50%

100% 70% 60% 50%