PB Care Plus

1. Accidental Death Benefit is payable if the insured, insured’s spouse or child(ren) passes away within 365 days from the date of accident.
2. Accidental Living Benefit is payable if the insured, insured’s spouse or child(ren) sustains any one of the following Total and Permanent Disability (TPD) within 365 days from the date of accident.
   1. Permanent total disability;
   2. Permanent total loss of sight of both eyes;
   3. Permanent total loss of sight of one eye;
   4. Loss of or the permanent total loss of use of two limbs;
   5. Loss of or the permanent total loss of use of one limb;
   6. Permanent total loss of speech and hearing;
   7. Permanent and incurable insanity; or
   8. Permanent total paralysis.
3. Loan Protector allows reimbursement of the outstanding debts or credit liabilities in relation to the credit card(s), overdraft(s), housing loan, private motor vehicle hire purchase loan or personal loan with any banks as at the date of accident if the insured dies or sustains any one of the following Total and Permanent Disability (TPD) within 365 days from the date of accident.
   1. Permanent total disability;
   2. Permanent total loss of sight of both eyes;
   3. Permanent total loss of sight of one eye;
   4. Loss of or the permanent total loss of use of two limbs;
   5. Loss of or the permanent total loss of use of one limb;
   6. Permanent total loss of speech and hearing;
   7. Permanent and incurable insanity; or
   8. Permanent total paralysis.
4. Surgical Benefit allows the insured, insured’s spouse and child(ren) to reimburse any surgical fees incurred for surgery within 365 days from the date of accident.
5. Corrective Dental and Cosmetic Surgery allows the insured, insured’s spouse and child(ren) to reimburse any dental and cosmetic surgery fees incurred resulting from an accident.
6. Medical Treatment Benefit allows the insured, insured’s spouse and child(ren) to be reimbursed for the medical treatment expenses incurred within 365 days from the date of accident. This benefit also extends to cover 23 infectious disease and food poisoning*.
7. Renewal Rewards is applicable upon renewal every year on the policy anniversary date. 10% premium discount based on premium payable is applicable upon renewal.
8. Easy and Simple Enrolment Process where no medical examination is required.
9. Convenient Premium Payments via auto debit from your credit card/ debit card/Public Bank Savings account.

The description, benefits, exclusions, terms and conditions described above have been summarised and are not exhaustive. Details of more complete terms, conditions and exclusions are available in the policy contract.

Entry Age

• Minimum Age
  • Insured & Spouse - 18 years old (last birthday)
  • Child - 4 weeks years old

• Maximum Age
  • Insured & Spouse - 60 years old (last birthday)
  • Child - 18 years old (last birthday)

(must be financially dependent and / or still studying and not gainfully employed and married)

Coverage Term

• Insured & Spouse - Up to age 75 years old (last birthday)

• Child - Up to age 23 years old (last birthday)

Plan Types

There are 3 affordable plans with different benefit amounts.
Please refer to the Table of Benefits below.

For Insured

For Insured Spouse and Child

Notes:

Waiting Period of 14 days is applicable to all infectious diseases & food poisoning.
¹ Cashless admission is provided up to the amount of benefit of the Surgical Benefit or Medical Treatment Benefit. AIA General Berhad guarantee the insured/insured spouse/insured child(ren) cashless admission for hospitalisation as a result of an injury up to the benefit amount payable under Surgical Benefit or Medical Treatment Benefit. The hospitalisation must be at least 6 consecutive hours within 365 days from the date of accident. AIA General Berhad will also facilitate the discharge of the insured/insured spouse/insured child(ren) from the same hospital provided all items in the hospital bill are covered under Surgical Benefit or Medical Treatment Benefit. Care Card will be available in MY AIA app.

• The benefit payable to an insured spouse and child is 50% of the amount of benefit payable to the insured, except for Loan Protector. Insured spouse and child are not entitled to Loan Protector.
• The duration of coverage term is for 1 year. If you wish to be covered further, you need to renew your insurance coverage annually.

1. Pre-existing conditions

2. Bacterial, viral and fungal infections

3. Any kind of disease or sickness or congenital defects

4. Medical or surgical treatment (except those necessitated by accidental bodily injuries, food poisoning and infectious disease covered by this plan)

5. Suicide or intentional self-injury

6. Childbirth, pregnancy or miscarriage

7. Professional sports

8. Acquired Immune Deficiency Syndrome (AIDS) or Human Immunodeficiency Virus (HIV) infection

9. Mental or nervous disorders; under the influence of alcohol or use of drugs/narcotics of any kind

10. Racing of any kind

11. Engaging in any hazardous occupation (i.e. divers, deep sea fisherman, miners etc.)

12. Engaging in any hazardous activities (i.e. hang-gliding, parachuting, gliding, scuba-diving, bungee-jumping, motor-racing, skydiving, mountaineering, rock-climbing etc.)

The description, benefits, exclusions, terms and conditions described above have been summarised and are not exhaustive. Details of more complete terms, conditions and exclusions are available in the policy contract.

You can call the AIA Customer Service Hotline at 1-800-18-1464 to cancel your policy over the phone before the policy contract is issued. Alternatively, you may cancel your coverage at any time by submitting a written notice to AIA General Berhad.