We keep you covered as you play various roles in life - AIA

A Lady / A Elite Lady 11
18. How can I claim if I have multiple policies for A Lady and/or A Elite Lady
Example:
Mrs. Lim, a human resource manager at the age of 45, purchased two (2) A Lady riders with
RM50,000 Sum Assured (SA) each on 12 July 2010.
Claims on each policy:
Date Incidents Total Benefits Payable Amount (RM)
25 Jul 2011
Death of child and
undergoes psycho
therapy (Cost incurred
RM3,000).
Reimburse up to 3% of
SA (Max RM2,000)
Policy 1: 1,500
Policy 2: 500
(Total = 2,000)
13 Feb 2015^
Diagnosis of
Carcinoma-in-situ (CIS)
of breast
100% of SA (Max
RM50,000)
Policy 1: 50,000
(Rider 1 Terminated)
Policy 2: Nil
(Total = 50,000)
20 Sep 2017*
Diagnosis of breast
cancer in both breasts
(Female Organ Cancer)
200% of SA
Policy 1: N/A
Policy 2: 100,000
(Total = 100,000)
Mastectomy of both
breasts
25% of SA
(Max RM25,000)
Policy 1: N/A
Policy 2: 12,500
(Total = 12,500)
Breast Reconstructive
Surgery of both breasts
35% of SA
(Max RM35,000)
Policy 1: N/A
Policy 2: 17,500
(Total = 17,500)
Total amount of benefit payable Policy 1: 103.0% Policy 1: 51,500
Policy 2: 261.0% Policy 2: 130,500
* While the Policy is still in force. The rider will terminate upon payment of the claims.
^ A Lady rider in Policy 1 will be terminated after the claim. You are not allowed to make claim on
A Lady rider in policy 2 for Carcinoma-in-situ of Cervix or Breast, HIV due to blood transfusion
Benefit (Max for claim is RM50,000 per life commonly applicable to all Supplementary Contracts
of A Lady and A Elite Lady).
19. What other documentation is required to be submitted together with the claim
In addition to the related claims forms, we require additional medical reports (as listed at the
back of the claims forms) to support the claim.
20. When should AIA be notified of a claim
In the event of a claim, it is advisable that you notify us immediately^.
^
The notification period varies in accordance with the types of claims made. Please refer to the policy contract.
TAX RELIEF
21. Is the premium paid for this policy eligible for income tax relief
This policy may qualify you for personal tax relief subject to the final decision of the Inland
Revenue Board.