PB WealthElite Xtra

PB WealthElite Xtra

For the life we live today and the legacy we leave tomorrow

PB WealthElite Xtra is a regular premium Investment-Linked Insurance Plan which provides insurance coverage against death and Total and Permanent Disability (TPD). This plan gives you the flexibility to choose from the various coverage and premium payment term that suit your needs.

What Does PB WealthElite Xtra Offer?

Protect your loved ones’ future

  • Pays 100% of sum assured upon death1
  • Pays 200% of sum assured upon accidental death1
  • Pays 300% of sum assured if accidental death happens while in public transport1
  • Pays 600% of sum assured if accidental death due to natural disaster1

That’s not all, if your plan’s account value is higher than the above, the account value shall be payable instead, allowing your loved ones to receive more than what you have planned for them.

Protection continues even after TPD claim
This plan pays you 100% of the sum assured if you suffer TPD prior to age 70. The best part is, your plan will continue with the full sum assured, even after a TPD claim is made!

 

Support you to access the best overseas treatment for critical illness
This plan comes with Overseas Critical Illness Treatment Benefit2 that allows your medical bills to be reimbursed up to 50% of your sum assured or RM2,000,000, whichever is lower, for overseas treatment for any one of the 45 covered critical illnesses.

We will reimburse the actual cost of the two-way flight ticket to the place of treatment for you and your companion, and daily allowance of RM500 per day for overseas hospitalisation due to the 45 covered critical illness. The cost of flight ticket and daily allowance are subject to a maximum of RM30,000 per life.

Celebrate your plan’s maturity with reward
Reap the rewards of your plan with 100% of your account value at maturity.
You will receive an additional 20% of your account value as a Maturity Boost3&4. If your premiums are paid up to date, your Maturity Boost3&4 will increase by 5% / 10% of your account value5 to 25% / 30% of your account value.


Maximise your investment value at any time
You can top-up your investment when opportunities arise, or switch to another AIA Investment Fund if your investment goals change.

Tailor your protection to your needs
You may choose to be covered for up to age 70, age 80 or age 100. You also have the option to choose your premium payment term either for 5 years, 10 years, 20 years, or throughout the coverage term.

Get more account value through Wealth Boost
When you sign up as an AIA Vitality member, you may receive additional account value under the Wealth Boost feature when your plan matures4 or ends due to death or TPD claim.
 


 Notes:

1Accidental death coverage is up to age 70. Only one of the death benefits above is payable. If your plan’s account value is higher than the benefits above, we will pay you the account value instead.

2Any claim under this benefit shall reduce the account value and may also reduce the sum assured. Only the cost of the first critical illness claimed is covered.

3Excluding account value from regular top-up premiums and ad hoc top-up premiums (if any) and is capped at 20% of the sum assured of your PB WealthElite Xtra plan.

4For coverage term up to age 100, the Maturity Boost and Wealth Boost will be paid out when you reach age 80 or when your plan reaches Policy Year 20, whichever is later.

5For coverage term up to age 70, additional 5% of account value will be payable. For coverage term up to age 80 or age 100, additional 10% of account value will be payable. The additional % of account value will be payable only if premiums have been paid up to date.


You can select additional optional riders to enhance your protection:
 

PB WaiverExtra 3
Ensure continuous premium payment if insured suffers TPD prior to age 70 or is diagnosed with any one of the 44 covered critical illnesses.
(Available for insured aged between 14 days old and 60 years old)
 

PB Spouse WaiverExtra 2
Ensure continuous premium payment if insured’s spouse passes away, suffers TPD prior to age 70 or is diagnosed with any one of the 44 covered critical illnesses.

(Available for the insured spouse aged between 18 years old and 60 years old)
 

PB Parent WaiverExtra 2
Ensure continuous premium payment if insured’s parent passes away, suffers TPD prior to age 70 or is diagnosed with any one of the 44 covered critical illnesses.

(Available for the insured’s parent aged between 18 years old and 60 years old who purchases this plan for their children aged between 14 days old and 17 years old)

Who is eligible to buy PB WealthElite Xtra?

This plan is available for individuals aged between 14 days old and 70 years old.
The entry age varies based on the coverage term and premium payment term as shown in the table below.

Coverage Term Premium Payment Term (years) Entry Age (nearest birthday)
Up to age 70 5 or 10 14 days old – 55 years old
20 or full coverage term 14 days old – 50 years old
Up to age 80 5 or 10 14 days old – 65 years old
20 or full coverage term 14 days old – 60 years old
Up to age 100 5, 10, 20 or full coverage 14 days old – 70 years old

What doesn’t PB WealthElite Xtra cover?

  1. Any death arising from the occurrence of the following is not covered:
    • Death due to suicide within 1 year from the Issue Date or Commencement Date, whichever is later.

  2. Any TPD arising from the occurrence of the following is not covered:
    • Self-inflicted act while sane or insane;
    • Assault or murder or due to war (declared or undeclared), revolution, riot and civil commotion, industrial action or terrorist activity;
    • Violation or attempted violation of the law or resistance to arrest including participating in any fight, racing on wheels or accident due to intoxication;
    • Entering, exiting, operating, or servicing, or being transported by any aerial device or conveyance except when the Insured is a fare-paying passenger or crew member on a commercial passenger airline on a regular scheduled passenger trip over its established passenger route; or
    • Pre-existing disability resulting from a physical or mental condition and pre-existing conditions prior to issue date or commencement date whichever is later.

  3. Any accidental death arising from the occurrence of the following is not covered under Accidental Death Benefit, Accidental Death in Public Conveyance Benefit and Accidental Death due to Natural Disaster Benefit:
    • Self-inflicted act while sane or insane;
    • Assault or murder or due to war (declared or undeclared), revolution, riot and civil commotion, industrial action or terrorist activity;
    • Violation or attempted violation of the law or resistance to arrest including participating in any fight, racing on wheels or accident due to intoxication; or
    • Entering, exiting, operating, or servicing, or being transported by any aerial device or conveyance except when the Insured is a fare-paying passenger or crew member on a commercial passenger airline on a regular scheduled passenger trip over its established passenger route.

  4. Any critical illness arising from the occurrence of the following is not covered:
    • Pre-existing Conditions prior to the Issue Date or Commencement Date, whichever is later;
    • Cancer, Heart Attack, Coronary Artery By-Pass Surgery, Serious Coronary Artery Disease and Angioplasty and Other Invasive Treatments for Coronary Artery Disease, for which the signs or symptoms first occurred within 60 days following the Issue Date or Commencement Date, whichever is later;
    • All other critical illnesses for which the signs or symptoms first occurred within 30 days following the Issue Date or Commencement Date, whichever is later;
    • Critical illness was diagnosed directly or indirectly due to a congenital defect or disease which has manifested or was diagnosed before age 17;
    • The diagnosis of Fulminant Viral Hepatitis, Cancer, Encephalitis, Bacterial Meningitis, Alzheimer’s Disease / Severe Dementia or Terminal Illness was directly or indirectly due to an Acquired Immune Deficiency Syndrome (AIDS) or infection by any Human Immunodeficiency Virus (HIV); or
    • Any critical illness which is caused by a self-inflicted injury.

The description, benefits, exclusions, terms and conditions described above have been summarized and are not exhaustive. For a detailed explanation on its benefits, terms and conditions and exclusions, please refer to the policy contract. Please refer to the AIA Fund Fact Sheet in AIA BHD.'s website at www.aia.com.my for further details.

To find out more, call us now at toll free number 1-800-22-9999 or visit any of our branches for more information!



This plan is underwritten by AIA Bhd. licensed under the Financial Services Act 2013 and regulated by Bank Negara Malaysia.

Contact Details: AIA Bhd. (790895-D) Menara AIA, 99 Jalan Ampang, 50450 Kuala Lumpur, P.O. Box 10846, 50927 Kuala Lumpur.


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