PB Pro Saver

• Flexible choice of premium amount
  
  • You may choose to save from as low as RM150 to RM500 per month (in multiples of RM50) according to your savings needs. With this plan you can enjoy benefits up to 20 years by simply paying for 10 years.
• Receive annual Guaranteed Cash Payment that doubles
  
  • You can enjoy Guaranteed Cash Payment yearly, starting from the end of 2nd policy year until your plan matures. In addition to this, you will also get double Guaranteed Cash Payment from the end of 11th policy year onwards!
• Get rewarded when you save more
  
  • You will be rewarded with higher Guaranteed Cash Payment when you save more.

• Celebrate the end of your policy with 100% of premiums refund and more
  • When your plan reaches the end of your coverage term, you will receive 100% of your total premiums paid as Maturity Benefit plus an additional 20% of the annualised premium as Maturity Booster. These payments will come together with any accumulated Guaranteed Cash Payment in one lump sum.

• Enjoy double protection for accidental events
  The plan provides your family with a lump sum of 150% of the total premiums paid if you pass away or suffer from total & permanent disability (TPD). It pays twice the amount if the death or TPD is due to an accident.

The description, benefits, exclusions, terms and conditions described above have been summarised and are not exhaustive. For a detailed explanation on its benefits, terms and conditions and exclusions, please refer to the policy contract.

This plan is available for individuals aged between 14 days to 45 years old (nearest birthday).

• Death caused by suicide within 1 year from the issue date or commencement date, whichever is later. AIA Bhd.’s liability shall be limited to the refund of the premiums paid without interest. Thereafter, the policy shall be terminated. In the case of reinstatement, such refund of premium shall be calculated from the commencement date.
• Any TPD claim arising from the occurrence of the following is not covered under Non-Accidental TPD Benefit:
  • Willful exposure to danger or attempted self-destruction or self-inflicted injuries while sane or insane;
  • Service in the armed forces in time of declared or undeclared war or while under orders for warlike operations or restoration of public order;
  • 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;
  • Any congenital defect which has manifested or was diagnosed before age 17; or
  • Pre-existing disability resulting from a physical or mental condition.

• Any accidental death or TPD claim arising from the occurrence of the following is not covered under Accidental Death/TPD Benefit:
  • Assault or murder;
  • Riot and civil commotion, industrial action or terrorist activity;
  • Willful exposure to danger or attempted self-destruction or self-inflicted injuries while sane or insane;
  • War, declared or undeclared, or revolution;
  • Service in the armed forces in time of declared or undeclared war or while under orders for warlike operations or restoration of public order;
  • Making an arrest as an officer of the law;
  • Violation or attempted violation of the law or resistance to arrest;
  • Participation in any fight or affray;
  • Racing on horse or wheels;
  • Accident occurring while or because the Insured is under the influence of alcohol, any non-prescribed drug or illegal drug;
  • Hernia, ptomaines or bacterial infection (except pyogenic infection which shall occur with and through an accidental cut or wound);
  • The intentional or negligent inhalation or consumption of poison, gases or noxious fumes; 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.

The description, benefits, exclusions, terms and conditions described above have been summarised and are not exhaustive. For a detailed explanation on its benefits, terms and conditions and exclusions, please refer to the policy contract.