PB Protect CI (This is an insurance product)

Get your critical illness protection at your fingertips

PB Protect CI is a yearly renewable insurance plan that provides you with coverage for critical illnesses at an affordable price, up to 70 years old. This is a pure critical illness protection plan and does not include any savings or investment elements. This plan is suitable for you if you are looking for a basic critical illness coverage plan. You can purchase PB Protect CI directly online and be protected immediately.

What Does PB Protect CI Offer?

  • Flexible Choice of Sum Assured
    You may choose to be covered from RM50,000 to RM250,000 (in multiples of RM50,000) according to your protection needs.
  • Protection against critical illness (CI)
    The plan provides you with a lump sum of 100% of the Sum Assured selected upon your diagnosis of one of the 39 critical illnesses1.
    Note: Once Critical Illness Benefit has been fully paid out, the policy shall be terminated.  

Please refer to the Product Disclosure Sheet for the list of critical illnesses covered.

1Except for Angioplasty and Other Invasive Treatment for Coronary Artery Disease, whereby 10% of the Sum Assured (subject to a maximum of RM25,000) shall be payable. This benefit is claimable once only per insured. The payment under this benefit will reduce the Sum Assured.

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, please contact AIA Bhd. or visit any of the AIA Customer Centres for more information!

 

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Eligibility

This plan is available to Malaysian citizen residing in Malaysia and aged 16 to 55 (last birthday).

What doesn’t PB Protect CI cover?

This plan does not cover:

  • Any illness or surgery other than a diagnosis or surgery for a covered critical illness;
  • Any 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 sixty (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 thirty (30) days following the issue date or commencement date, whichever is later;
  • Any critical illness diagnosed due, directly or indirectly, to a congenital defect or disease which has manifested or was diagnosed before you attain seventeen (17) years old;
  • The diagnosis of Fulminant Viral Hepatitis, Cancer, Encephalitis, Bacterial Meningitis, Alzheimer's Disease/ Severe Dementia or Terminal Illness of the insured/you, where in our opinion, was directly or indirectly due to an Acquired Immune Deficiency Syndrome (AIDS) or infection by any HIV. We reserve the right to require the insured/you to undergo a blood test for HIV as a condition precedent to any acceptance of any claim. For the purpose of this policy:
    • The definition of AIDS shall be that used by the World Health Organization in 1987, or any subsequent revision by the World Health Organization of that definition.
    • Infection shall be deemed to have occurred where blood or other relevant test(s) indicate in our opinion either the presence of any HIV or Antibodies to such a virus.
  • Any of the critical illnesses or covered surgeries defined here which is caused by a self-inflicted injury; or
  • Any critical illness where the insured did not survive for at least fifteen (15) days after the diagnosis of the said critical illness.

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

This plan is underwritten by AIA Bhd. licensed under the Financial Services Act 2013 and regulated by Bank Negara Malaysia.
Contact Details: AIA Bhd. 200701032867 (790895-D) Menara AIA, 99 Jalan Ampang, 50450 Kuala Lumpur, P.O. Box 10846, 50927 Kuala Lumpur

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