Hospital treatment
An AIA medical card can help with hospital and surgical costs, subject to the benefits, limits, terms and conditions of the selected plan.
Protection for real life
It does not begin with a product. It begins with what you want to protect.
We first review your risks, dependants and budget. Only then do we structure protection that remains suitable for the long term.
The family who depends on you
Takaful hibah provides a financial safety net for your spouse, children or dependants in the event of death or disability.
Income while recovering
Critical illness protection helps keep family commitments manageable while you take the time needed to recover.
Your future & legacy
Long-term protection options can be structured around your financial goals and the legacy you want to leave your family.
Estimated contributions
What budget do you need to begin?
These starting prices provide an initial indication. Your actual recommendation will be structured around your profile and protection needs.
01
Individual medical cardExample: female, age 25
FromRM71per month*
02
RM50,000 takaful hibahExample: female, age 25
FromRM29per month*
03
RM50,000 critical illnessExample: male, age 25
FromRM48per month*
04
Family medical cardExample: parents aged 30–40, one child and one baby
FromRM340per month*
*Illustrative estimates based on selected profiles. Actual contributions depend on age, gender, occupation, smoking status, health, coverage amount, selected benefits and underwriting assessment.
Check the price for my age →
Legacy plan · official brochureThis example is taken from the official brochure and is for illustration only. Account values and investment returns are not guaranteed unless stated otherwise. Actual recommendations are subject to your profile, selected benefits, certificate terms and underwriting assessment.
A-Life Legasi Beyond
A regular-contribution investment-linked takaful plan designed to build a family legacy, with up to 6 times the coverage amount for events specified in the certificate.
Brochure example participantMale, age 30, non-smoker
Coverage amountRM500,000
Illustrated contributionRM4,200 per year
Contribution payment term20 years
Critical illness · official brochure*Subject to the plan benefits, selected riders, illness definitions, certificate terms, conditions and exclusions. Please read the official brochure for full details.
A-Life Kritikal Protector
Critical illness protection that pays a lump-sum benefit, giving you flexibility to manage commitments while focusing on recovery.
Critical illnesses coveredUp to 45 illnesses*
How the benefit is paidLump-sum payment
Caregiver benefitRM3,000*
Available coverage termUp to age 60 or 70
Service record
11 years is more than a number.
A consultant's role does not end when the certificate is issued. Service, clear guidance and claims assistance are part of my responsibility to every client.
93AIA clients assisted
RM11,000,000Total protection
119Claims managed
RM650,000Total claims assisted
AIA RECOGNITION
Individual and corporate experience.
This recognition forms part of my journey in helping clients understand their protection and manage their needs more effectively.
↗Top Life Planner in Corporate Solutions — 1st Runner Up
↗CS Pro Award — 2nd Runner Up
How I help
From your first review to the moment you need support.
Understand your needs
We review your dependants, commitments, existing protection and a comfortable budget.
A suitable recommendation
I prepare an AIA PUBLIC Takaful recommendation and explain the benefits, exclusions and important details before you decide.
Ongoing service
I remain available for certificate servicing, benefit enquiries and the claims process when needed.
Takaful guides
Understand before you choose.
Medical Card or Takaful Hibah: Which Comes First?
A practical answer based on your life stage, dependants, existing coverage and budget.
Already Have a Company Medical Card: Do You Still Need Your Own?
Understand employer coverage limits, what happens when you change jobs and when personal coverage may help.
A Medical Card Pays the Hospital Bill. But What If You Cannot Work?
Learn how a critical illness lump sum can help replace income and cover commitments during recovery.
How Much Critical Illness Cover Do You Actually Need?
Estimate a starting amount based on monthly commitments, recovery time, additional costs and available funds.
How Much Takaful Hibah Does a Family Actually Need?
Estimate your family’s takaful hibah needs using living expenses, debts, children’s goals, liquid assets and existing protection.
Frequently asked questions
Before you begin.
I already have takaful. Can I still request a review?
Yes. A review can help you understand your current benefits, identify protection gaps and avoid unnecessary overlaps.
Is there a fee for the initial review?
No. The initial review and discussion are complimentary.
I have a health condition. Can I still apply?
We can discuss it first. Approval, exclusions or additional contributions depend on the takaful operator's assessment and your individual health condition.
What budget do I need?
It depends on your age, health, selected benefits and amount of protection. We begin with a budget you can comfortably sustain over the long term.
Want to know which AIA option may suit you?
Send “I would like an AIA review”. Wan will ask a few brief questions before preparing a recommendation.