empower Plan

empower Plan

 


Putting you in control of your life

Your priorities change as you travel through the journey of life. While you explore the opportunities that lie ahead of you, it is important to consider some of life’s potential challenges so that you are well-prepared for the future that awaits you. Introducing empower, a comprehensive protection plan designed to be a safety net in your journey of life.

Here’s what empower provides you:

  • Comprehensive protection in one plan
    You can get insurance protection for death and total and permanent disability (TPD), as well as investment returns, all in one plan. You can also choose from a wide range of optional riders to enhance your protection.
  • Wide selection of investment funds to allow you to take charge on how your money is invested
    You can choose how your money is invested from a range of professionally managed investment funds. You can also switch your investment funds at no cost when your investment goals change.
  • Flexibility to tailor the plan to meet your life’s changing priorities
    This plan offers you the flexibility to increase or reduce your coverage from time to time, to meet your ever changing needs.
  • Additional insurance benefit in the form of a Cover Boost if you sign up as an AIA Vitality member
    You can enjoy extra protection for death and TPD in the form of Cover Boost when you sign up as an AIA Vitality member.

You can select additional optional riders to enhance your protection:

Critical Illness Protection

  • PB Prime Accelerated Critical Cover
    Provides basic coverage on 36 critical illnesses.
  • PB Prime Critical Cover*
    Provides protection for up to 3 critical illnesses claims.
  • PB Prime Early Critical Cover*
    Provides you with an early payout if the person covered is diagnosed with a critical illness.
  • PB Prime Lady Care*
    Provides financial support to protect the person covered against specific female illnesses.
  • PB Prime Lady Care Premier*
    Provides financial support to protect the person covered against specific female illnesses and maternity complications.

Medical Protection

  • PB Prime MediCare*
    Provides comprehensive medical coverage when the person covered is hospitalised with increasing annual limit.
  • PB Prime MediCare Booster*
    Complements PB Prime MediCare to enhance the annual limit up to RM1.5 million.

Accident Protection

  • PB Prime Accidental Death and Disability
    Provides additional protection against unforeseen accidents.

Income Protection

  • PB Prime Income Safe*
    Provides you or your family with monthly income for 5 years if the person covered passes away, suffers TPD.
  • PB Prime Income Safe Plus*
    Provides you or your family with monthly income for 5 years if the person covered passes away, suffers TPD or is diagnosed with a critical illness.
  • PB Prime Survivor Income
    Provides you or your family with monthly income for 5 years if the person who pays for the policy passes away, suffers TPD or is diagnosed with a critical illness.

Premium Protection

  • PB Prime Living Waiver of Premium
    Waives the premium if the person covered suffers TPD or is diagnosed with a critical illness.
  • PB Prime Enhanced Payor Waiver of Premium
    Waives the premium if the person who pays for the policy passes away, suffers TPD or is diagnosed with a critical illness.

Note: *For more information, please refer to the brochures of the respective riders.

Who is eligible to buy empower?
This plan is available to individuals aged between 30 days old and 70 years old (nearest birthday). Individuals who are 16 years old and above can sign up to be AIA Vitality member.

What are the major exclusions for empower?

  • Death due to suicide within 1 year from the policy date or date of reinstatement of the policy, whichever is later.
  • Any TPD arising from the occurrences of the following is not covered:
    • any self-inflicted injuries while sane or insane, whether or not disability was caused directly or indirectly as a result of the said injuries; or
    • travel or flight in or on any type of aircraft except on a regular scheduled passenger flight of a commercial aircraft; or
    • any activities of a military nature whilst being engaged in military service in time of declared or undeclared war whilst under orders for warlike operations or restoration of public order; or
    • war, civil war, invasion, act of foreign enemy, warlike actions, (whether war be declared or not), including accidental explosion and/or deliberate explosion of weapons of war, during war or directly as a result of previous war; or
    • Pre-existing illness; or
    • being involved in any unlawful act.

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.

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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