Hospital & surgical fees
Room & board, ICU, surgery and hospital services covered as charged, subject to the annual limit (RM300,000 to RM2 million by plan).
Welcome aboard 
Raff Abdullah Your Marketing Representative · Capspring Temasik
Congratulations: you’re now covered by A-Life Idaman (SMART).
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.
7 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
Panel hospital (cashless): show your digital medical card (My AIA app) and IC; the hospital requests a Guarantee Letter and AIA PUBLIC Takaful settles directly.
- 6
Follow the SMART Journey: SMART clinic/GP → referral to a SMART specialist → admission & follow-up treatment at a SMART panel hospital. Do this and you only pay the RM500 deductible.
- 7
If you don’t follow it: going straight to hospital without a referral, or using a non-SMART panel, adds 20% Co-Takaful (capped RM20,000 per disability). Emergencies & accidents, post-hospitalisation cancer & dialysis, and government hospitals are exempt.
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 Idaman (SMART):
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.
No lifetime limit
Only an annual limit, refreshed every year until the end of the coverage term.
Life protection built in
The Idaman base plan: 100% of the coverage amount on death (200% if accidental), 100% on TPD, plus RM5,000 Badal Hajj/funeral benefit, paid as hibah.
Health Wallet
No claims? Money is credited to your Health Wallet (initial boost RM800–RM5,000, then yearly boosts up to 10 times), usable for your deductible & health benefits.
Outpatient care
Pre-hospitalisation (60 days), post-hospitalisation (150 days), outpatient kidney dialysis & cancer treatment, and day surgery.
AIA Vitality (optional)
Room upgrades (Gold +50%, Platinum +100%), deductible covered/waived, and a Health Wallet booster of +5%/+10%.
What differs between Plan 180, 250, 350 and 500
Not sure which plan you’re on? Check your app or policy to see the plan you chose.
| Benefit | Plan 180 | Plan 250 | Plan 350 | Plan 500 |
|---|---|---|---|---|
| Daily room & board (150 days/year) | RM180 | RM250 | RM350 | RM500 |
| Overall annual limit | RM300,000 | RM1 mil | RM1.5 mil | RM2 mil |
| Outpatient illness treatment: 4 illnesses (per year) | RM3,000 | RM4,000 | RM6,000 | RM6,000 |
| Health Wallet: initial boost | RM800 | RM1,000 | RM3,000 | RM5,000 |
| Health Wallet: yearly boost (×10) | RM200 | RM300 | RM1,000 | RM1,500 |
| Personal medical case management (Medix) | No | Yes | Yes | Yes |
Identical on every plan: ICU and hospital & surgical fees as charged; emergency evacuation & repatriation up to USD1 million.
No lifetime limit, only the annual limits above, refreshed each year. With the SMART Option, contributions are lower: you pay a RM500 deductible per disability, and if you follow the SMART Journey that’s all you pay (otherwise +20% Co-Takaful, capped RM20,000 per disability). Not sure you have SMART? Check your Schedule of Benefits/PDS or ask me.
Health Wallet: your no-claim reward
No claims for 2 consecutive years? An initial boost is credited to your Health Wallet; after that, a yearly boost for every claim-free year, up to 10 times. The wallet can be used for:
- Paying your deductible: up to RM500 per disability (all plans).
- Prevention: health screening & vaccinations, up to RM300 a year (Plans 350 & 500).
- Special Care: congenital conditions, and plastic surgery due to accident or cancer (Plans 350 & 500).
- Mobility & hearing + Recovery Care: artificial limb, hearing aid, and recovery care for cancer/stroke/heart attack from an early stage (Plans 350 & 500).
- Mental health: psychiatrist consultations for covered conditions, up to RM1,500 a year (Plans 350 & 500).
- Protect Boost: the wallet balance covers expenses beyond your annual limit, or is paid out on death (up to 2× the basic coverage amount).
Important things to know
Waiting periods
- Accidental injuries: none
- Illnesses: 30 days
- Specified illnesses: 120 days
- Outpatient kidney dialysis: 30 days · outpatient cancer treatment: 60 days
- Specified maternity complications: 1 year
Key exclusions
- Pre-existing conditions
- Pregnancy & childbirth (except the covered maternity complications)
- Elective/cosmetic surgery (except under Special Care)
- Mental disorders (except the Mental Health Benefit via the Health Wallet)
- Dental treatment (except accident emergencies)
- Overseas treatment if outside Malaysia more than 90 consecutive days (except Singapore & Brunei)
AIA Vitality: optional add-on (+RM10/month)
- An optional wellness programme (age 16+): join via the My AIA app. Earn points for healthy actions and rise in status. Learn more about AIA Vitality.
- Gold status: room & board upgraded +50%, RM250 of your deductible covered per disability, and a +5% yearly Health Wallet Booster.
- Platinum status: room & board upgraded +100%, the RM500 deductible fully waived, and a +10% yearly booster.
- Rewards don’t apply to juveniles below 16, and cease if the certificate/Vitality membership lapses.
Questions you might have
What is A-Life Idaman?
A family takaful plan from AIA PUBLIC Takaful. The medical card on this page is the A-Plus Health Flex-i rider attached to the base plan: hospitalisation & surgery with no lifetime limit, four room & board options (RM180–RM500), and automatic coverage extension to age 100.
Is there a lifetime limit?
No. Only an annual limit (RM300,000 to RM2 million by plan), and it refreshes every year until the end of the coverage term.
What is the SMART Option?
A cost-saving option: contributions are lower, and you pay a RM500 deductible per disability. Follow the “SMART Journey” (SMART clinic/GP → SMART specialist → SMART panel hospital) and that’s all you pay; if not, an extra 20% Co-Takaful applies (capped RM20,000 per disability). Emergencies & accidents, post-hospitalisation cancer & dialysis, and government hospitals are exempt from the 20%.
How do I know if I’m on SMART?
Your cost-saving option is listed in the Schedule of Benefits on your certificate/PDS. Not sure? Message me, I’ll check for you.
What is the Health Wallet?
Your no-claim reward. After 2 consecutive claim-free years, an initial boost (RM800–RM5,000 by plan) is credited; after that, yearly boosts up to 10 times. Use it to pay your deductible, for screening & vaccinations, recovery care, mental health (by plan). The balance becomes a Protect Boost if your annual limit runs out, or is paid out on death.
Does this plan protect my life too?
Yes, that’s the A-Life Idaman base plan: 100% of the coverage amount on death (200% if accidental, to age 70), 100% on TPD, plus RM5,000 for Badal Hajj/funeral expenses. Payment is through hibah. You can name anyone as your beneficiary with a seamless claims process. No claims until maturity? You receive 100% of your account value.
What is AIA Vitality & is it worth it?
An optional wellness programme (RM10 a month, age 16+). Gold status: room upgraded +50%, RM250 of your deductible covered, +5% wallet booster. Platinum: room +100%, the RM500 deductible fully waived, +10% booster. The more active you are, the bigger the rewards. Want me to work out if it’s worth it for you? Just ask.
Important disclaimer. This information is general education only and is not the terms of your takaful certificate. The medical card on this page is the A-Plus Health Flex-i rider attached to the A-Life Idaman base plan; the plan’s account value depends on fund performance and is not guaranteed. For the actual benefits, limits and terms, refer to the Product Disclosure Sheet (PDS), Sales Illustration and your takaful certificate. A-Life Idaman and A-Plus Health Flex-i are 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