PB WealthElite Xtra 2

• 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 transportation or burning of public buildings¹
  • 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 a 100% of the sum assured if you suffer TPD prior to age 70 and your plan will continue with the full sum assured, even after a TPD claim is made, ensuring that you are continuously protected.

• Supports you with access to the best critical illness treatment when overseas
  

  • This plan comes with Overseas Critical Illness Treatment Benefit² that allows you to reimburse your medical bills with up to 50% of your sum assured or RM2,000,000, whichever is lower, for any one of the 45 covered critical illnesses when overseas.

  • You can also reimburse the actual cost of the two-way flight ticket to the country of treatment for you and your companion, and a daily allowance of RM500 per day for overseas hospitalisation due to the 45 covered critical illnesses. The reimbursement of 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.

    If your premiums are paid up to date, depending on your plan’s sum assured and coverage term, you will receive up to an additional 10% of your sum assured as a Maturity Reward⁴.

• 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.
• Additional rewards for staying healthy
  

  • When the insured signs up as an AIA Vitality member and stay healthy, they will be able to enjoy additional benefits through the Vitality Wealth Boost feature (payable upon plan maturity, death or TPD, whichever occurs earlier).

Notes:

¹ Accidental death coverage is up to age 70. If there are more than one claim made under these benefits, only one claim; whichever is higher shall be payable.

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

³ Excluding account value from regular and ad hoc top-up premiums (if any).

⁴ For coverage term up to age 70 and age 80, the Maturity Boost and Maturity Reward will be paid upon maturity. For coverage term up to age 100, they will be paid when you reach age 80 or when your plan reaches Policy Year 20, whichever is later. The Maturity Boost and Maturity Reward payable are capped at 20% of the sum assured.

You can select additional optional riders to enhance your protection:

• PB WaiverExtra 4
  
  • 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 3
  
  • 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's spouse aged between 18 years old and 60 years old).
• PB Parent WaiverExtra 3
  
  • 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).

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.

• 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.

• 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.

• 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.

• 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.