Basic: Death & TPD
Life and total permanent disability cover as the plan’s foundation (TPD to age 65).
Women’s protection · AIA PUBLIC Takaful
A-Life Lady-i
Comprehensive protection built around women’s health and life stages.
A regular-contribution takaful plan designed for women — covering female-specific illnesses, pregnancy complications, cash rewards and life protection up to age 80. Includes first-in-market features like Power Reset and Bundle of Joy.
What this plan covers
Female illness benefit
Cover for female carcinoma in situ, female cancer, and SLE with severe kidney complications.
Female care benefit
Female organ removal, reconstructive surgery, osteoporotic fracture, severe rheumatoid arthritis, menopause treatment and more.
Pregnancy benefit
Cover for pregnancy complications (up to age 45).
Rewards & Gift of Joy
Cash rewards for marriage, childbirth and golden age; plus Gift of Joy for every approved A-Life Idaman application for your child.
Maturity benefit
A maturity benefit is payable when the certificate reaches age 80.
What makes this plan unique
A-Life Lady-i offers several first-in-market features:
- Power Reset — after a female Carcinoma in situ claim, the sum covered is restored to 100% twelve months from the diagnosis date.
- Bundle of Joy — buy A-Life Idaman for your baby with no further medical underwriting (gestation under 14 weeks).
- AIA Vitality — a Yearly Cash Bonus based on your membership status (Platinum/Gold/Silver/Bronze).
- Female Care, Pregnancy, Cash Reward & Gift of Joy benefits do not reduce the basic sum covered.
Important to know
Waiting periods
- Death & TPD — none
- Female illness (carcinoma in situ, female cancer) — 60 days
- SLE with severe kidney complications — 30 days
- Female care benefit — 60 days
- Menopause treatment — 1 year
- Pregnancy benefit — 1 year (excludes gestation over 14 weeks at inception)
Key exclusions
- Death by suicide within 1 year
- Pre-existing conditions
- Diseases caused by HIV/AIDS
- Self-inflicted injuries (whether sane or insane)
- Wilful misuse of drugs or alcohol
- Elective termination of pregnancy (other than for medical reasons)
Good to know
- 31-day grace period
- 15-day free-look period for cancellation & a refund
- Level contribution by entry age (not guaranteed; 3 months’ notice for changes)
- May qualify for personal tax relief, subject to the LHDN’s decision
How to claim & get started
- Death/TPD claim: notify AIA PUBLIC Takaful or your MR; submit the completed form with supporting documents.
- Female illness / care / pregnancy: submit proof of diagnosis and medical reports; a lump sum is paid on approval.
- Rewards & Gift of Joy: submit relevant documents (marriage/birth certificate; approved A-Life Idaman application).
- Download the AIA+ MY app, review your certificate documents, join AIA Vitality and make your nomination.
Common questions
What is A-Life Lady-i?
A regular-contribution takaful plan designed to give comprehensive cover for female-related illnesses and health events, up to age 80. It includes unique features like Bundle of Joy and Gift of Joy.
Who can join?
Women aged 16 to 45.
What is the Power Reset feature?
If you claim for female Carcinoma in situ, the Female Illness Benefit sum covered is restored to 100% twelve months from the diagnosis date, and your certificate is not terminated.
What is Bundle of Joy?
It lets you buy A-Life Idaman for your baby with no further medical underwriting, provided your gestation is under 14 weeks at application.
What is the coverage term?
Up to age 80 — death cover to age 80, and TPD cover to age 65.
Is there a maturity benefit?
Yes. If the certificate reaches maturity at age 80, a Maturity Benefit is payable.
Important disclaimer. This information is general education only and is not the terms of your takaful certificate. For the actual benefits, limits and terms, refer to the Product Disclosure Sheet (PDS), Product Illustration and your takaful certificate. A-Life Lady-i is operated by AIA PUBLIC Takaful Bhd. Benefits are protected by PIDM subject to limits. Raff Abdullah is a Marketing Representative under Capspring Temasik, not a licensed financial adviser.
Other plans I manage
Want to understand A-Life Lady-i clearly?
I’ll help you understand the 7 benefit categories and the plan’s unique features, so you choose with confidence.
Chat with Raff