A-Life CriticalCare
A-Life CriticalCare




You want the best for yourself and your loved ones. That means planning for the future and the unexpected, like a critical illness.


Plan your future with A-Life CriticalCare. It is designed with the unique feature of increasing your protection automatically during your most productive years.


Not only that, A-Life CriticalCare continue to provide you with death cover even after you have made a critical illness claim.



A-Life CriticalCare offers you:


Increasing Insurance Coverage
Insurance coverage on 36 critical illnesses, death and Total Permanent Disability (TPD)1.


Coverage shall increase as follows:



      Policy Year      Additional Sum Assured (%)

              1                               NIL

            2-4                               10

            5-9                               20

          10-14                            40

          15-19                            60

          20-24                            80

          25-30 or 75                100

       Thereafter                     60


Funeral Expense Benefit
Upon death, 5% of the initial sum assured or up to a maximum of RM 10,000 shall be payable.


Extended Coverage2 on Death upon Critical Illness Claim3
Continue to be covered for death at 25% of the initial sum assured up to age 85, after a critical illness claim at no additional premium.


Extra Payout in the Form of Non-Guaranteed Dividends4
Annual Dividends (if any) and Terminal Dividend (if any) are available. Terminal Dividend (if any) is payable upon policy termination or maturity.


Maturity Benefit
Maturity benefit in one lump sum at age 85. Maturity benefit consists of initial sum assured, additional sum assured (according to the scale of the increasing sum assured), accumulated Annual Dividends (if any) and Terminal Dividend (if any), less any indebtedness.


Two Choices of Premium Payment Term to Choose at the time of policy’s application:
1. Limited premium payment term of 20 years or until age 55, whichever is longer, or
2. Full premium payment term until age 85.

1 Coverage for TPD is up to age 65.
2 Provided insured survives for at least 30 days after the diagnosis of critical illness and the policy has not been converted to a reduced paid-up insurance.
3 Except for Angioplasty and Other Invasive Treatments for Major Coronary Artery Disease.
4 Dividends consist of Annual Dividends and Terminal Dividend. Dividends are not guaranteed.


Important: This is purely a product summary. Please refer to the policy contract OR contact us for further details.

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