| Tier | Annual limit | Lifetime | Room & board | Deductible | Co-ins. | Co-pay | ICU | Day surg. | Renewable | Entry age |
|---|---|---|---|---|---|---|---|---|---|---|
| A-Life Cover | — | — | — | — | — | — | — | — | — | — |
● WAITING PERIODS
- General: —
- Specified (120-day): —
- Pre-existing: —
● SOURCE
- Verified: 24 Aug 2026
- Source: official PDS / product page
- PDS text file read: pds/aia-a-life-cover-pds.txt (PDS dated 12/23/2025, 35 pages). 10-year term plan, death + TPD (APDC, to age 70 or term end); illustration: RM500,000 SA, RM966.00/yr, duration to age 40; Conversion Privilege to new life policy without evidence of insurability (insured age 65 or below, within 5 years before expiry); AIA Vitality Protect Booster up to +20% SA; riders incl. CI riders (APCA Accelerate/Additional, APCE, APCM, APCR) and APDC/APHI/APTAS/APAS; no waiver rider; no tier matrix in PDS (single illustration).
Premiums are quote-gated in Malaysia. Get an official quote from AIA — we never publish invented premiums.