PB Term CI

• This plan is available for individuals aged between 18 years old and 55 years old.
• The coverage term of this plan varies based on the entry age as shown in the table below.

• Any illness or surgery other than a diagnosis of or surgery for a Critical Illness;
• 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 of the Letter of Acceptance;
• Any other Critical Illness for which the signs or symptoms first occurred within 30 days following the issue date of the Letter of Acceptance;
• Any Critical Illness diagnosed due, directly or indirectly, to a congenital defect or disease which has manifested or was diagnosed before the insured attains 17 years of age;
• Any pre-existing conditions prior to the issue date of the Letter of Acceptance;
• The diagnosis of Fulminant Viral Hepatitis, Cancer, Encephalitis, Bacterial Meningitis, Alzheimer's Disease/ Severe Dementia or Terminal Illness of the insured where in AIA Bhd.’s opinion, was directly or indirectly due to an Acquired Immune Deficiency Syndrome (AIDS) or infection by any Human Immunodeficiency Virus (HIV). AIA Bhd. reserves the right to require the insured to undergo a blood test for HIV as a condition precedent to any acceptance of any claim; or
• Any of the Critical Illnesses or covered surgeries that is caused by a self-inflicted injury.

The descriptions, benefits, exclusions, and terms and conditions above have been summarized and are not exhaustive. For a detailed explanation on PB Term CI’s benefits, terms and conditions and exclusions, please refer to the Certificate of Insurance.