Basic: Death & TPD
Pays 100% of the sum covered (or the surrender value, whichever is higher) on death or TPD. TPD to age 65.
Welcome aboard 
Raff Abdullah Your Marketing Representative · Capspring Temasik
Congratulations: you’re now covered by A-Life Lady-i.
You just did something big for the people you love. Now you can breathe a little easier. There are only a few simple steps left, and I’ll be right beside you for each one.
Tak susah. Janji faham.
Raff Abdullah Your Marketing Representative · Capspring Temasik This is your onboarding guide to help you get started. Save it and refer back whenever you need help, or just message me.
Onboarding · step by step
Let’s get you set up, one step at a time.
8 simple steps · just a few minutes
- 1
Save my number, the most important step. Tap the button; your Contacts open with my details already filled in. Just tap Save. So you can reach me anytime, especially in an emergency, and get important updates. I also send urgent alerts by WhatsApp broadcast, and WhatsApp only delivers a broadcast to people who have saved my number, so save it to make sure you never miss one. ＋ Save my numberMy number: 012-216 9041
- 2
Register your My AIA account. Sign up on the My AIA portal: this is where you check your details, manage your certificate and download your documents.
- 3
Download the My AIA app. Install My AIA (App Store or Google Play) and register to view your digital medical card, certificate and manage claims. New to it? See the full app guide.
- 4
Check your details & download your e-certificate. In the app/portal, confirm your full name, IC number, date of birth and nominee are correct, then download your certificate/PDS and share a copy with your family or next of kin.
- 5
Death/TPD claim: notify AIA PUBLIC Takaful or your MR; submit the completed form with supporting documents.
- 6
Female illness / care / pregnancy: submit proof of diagnosis and medical reports; a lump sum is paid on approval.
- 7
Rewards & Gift of Joy: submit relevant documents (marriage/birth certificate; approved A-Life Idaman application).
- 8
Join AIA Vitality for the Yearly Cash Bonus and wellness rewards.
Important: make sure your full name, IC number and nominee are exactly correct. Wrong details can delay or affect your claim. Spot anything off? Message me right away and we’ll fix it.
What you’re covered for
Here’s the core protection you get with A-Life Lady-i:
The figures on this page are the plan’s standard benefits. Your actual sum covered, limits and riders depend on the plan you chose. Always refer to your own policy (certificate & PDS) for your exact numbers.
Female illness benefit
50% on female carcinoma in situ; 100% on female cancer and SLE with severe kidney complications.
Female care benefit
Female organ removal (30%), reconstructive surgery, osteoporotic fracture, severe rheumatoid arthritis, menopause treatment & psychotherapy.
Pregnancy benefit
Pays 10% on covered pregnancy complications (up to age 45).
Rewards & Gift of Joy
3% marriage, 3% childbirth, and up to 12% Golden Age Reward at 55, plus Gift of Joy for your child.
Maturity benefit
Pays 150% of the sum covered when the certificate matures at 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 (50% paid), the Female Illness sum covered is restored to 100% twelve months from the diagnosis date; your certificate is not terminated.
- Bundle of Joy: buy A-Life Idaman for your baby with no further medical underwriting (ages 18–40, certificate in force ≥120 days, gestation under 14 weeks).
- Gift of Joy: 1% of the sum covered (or 3% with a health rider attached) for every approved A-Life Idaman application for your child.
- AIA Vitality Yearly Cash Bonus: the first is 10% of the Basic Contribution Paid; later bonuses rise or fall with your Vitality status, up to 50%.
- Female Care, Pregnancy, Cash Reward & Gift of Joy benefits do not reduce the basic sum covered.
Important things 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)
Questions you might have
What is A-Life Lady-i?
A regular-contribution takaful plan designed for women: comprehensive cover for female illnesses and health events up to age 80, across 7 benefit categories. It includes first-in-market features like Power Reset, Bundle of Joy and Gift of Joy.
Who can join?
Women aged 16 to 45. The maximum coverage per life is RM300,000, subject to underwriting.
What is the Power Reset feature?
After a female Carcinoma in situ claim (50% of the sum covered is paid), 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?
An option to buy A-Life Idaman (a child plan) with no further medical underwriting, for women aged 18–40, with the certificate in force for at least 120 days and gestation under 14 weeks.
How much is the AIA Vitality Yearly Cash Bonus?
If you join AIA Vitality, the first Yearly Cash Bonus is 10% of the Basic Contribution Paid. Later bonuses rise or fall with your Vitality status (Platinum +1%, Gold 0%, Silver −2%, Bronze −4%), up to a maximum of 50%.
What cash rewards do I get?
A 3% Marriage Reward and a 3% Childbirth Reward (after the certificate is in force ≥1 year and the first 2 years’ contributions are paid). At age 55, a Golden Age Reward of up to 12% (less any Marriage/Childbirth Rewards already paid). Even if you don’t marry or have children, you still receive the 12% at 55.
What’s the coverage term & maturity benefit?
Death cover to age 80, TPD to age 65. When the certificate matures at age 80, a Maturity Benefit of 150% of the sum covered (less any indebtedness) is paid.
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.
More ways I can help
Your protection goes beyond takaful. When you’re ready, here are a few other things I handle for clients.
I’m here for you
I’ve got you, all the way through to claims.
From here, you’re not on your own. To ask something, make a claim, or just double-check anything, text or call me anytime.
Message Raff on WhatsAppor call me at 012-216 9041
Raff Abdullah