Cash Guarantee Plan from AIA

How would you and your company like to attract, motivate, and retain your employees? We can provide your employees with a range of employee benefits tailored to meet their needs and offered to them at very low prices.

Experts agreed that a loyal staff means increased productivity and loyalty. The successful companies of today focus on building strong relationship with their employees.

We in AIA have specially designed an accidental coverage plan, named Cash Guaranteed Plan at low premium for all your employees. The plan will covers not only Accidental Death, but also Accident Medical Reimbursement and Accident Hospital Income. Furthermore, Cash Guaranteed Plan offers Guaranteed Monthly Living Benefits up to 15 years for insured suffers permanent total dismemberment.

We are offering you the opportunity to offer these employee benefits to your employees at no cost to you while you earn the praise and we do the work.


Our 24-hour Cash Guaranteed Plan provides a worldwide protection against all forms of accidental risks, whether at home, leisure or participating in any forms of sports or games.

With only 50 cents a day, you get peace of mind whether you are at work, at home, on holiday or anywhere in the world.

The AIA’s Cash Guaranteed Plan offers lump sum payment upon accident with medical reimbursement benefit. In addition to the lump sum benefits, Cash Guaranteed Plan guarantees a monthly income of up to RM2,000 for as long as 15 years should the insured becomes disabled* after an accident. The insured’s family will receive cash of RM5,000 when the insured suffers lost of life due to an accident.


A. Benefits :

1. Accidental Death & Dismemberment (ADD)
When the Assured shall sustain any one of the following losses affected directly and independently of all other causes by accident, within 365 days after the date of the accident:


Loss of life - the Principal Sum shall be payable
(i) Dismemberment or loss as specified in the Schedule of Indemnity - the % of indemnity shall be payable
(ii) Permanent and Total Disability (PTD) and is prevented from engaging in each and every occupation or employment for compensation or profit for which one is reasonably qualified by reason of his education, training or experience, the Principal Sum shall be payable after a 12 months waiting period.

2. Monthly Living Benefits (due to accident only)
If the accidental injury shall result in the following disability within 365 days after the date of the accident, the company will pay a Monthly Living Benefit in addition to the above

3. Medical Reimbursement
When by reason of accidental injury, the Insured Person shall require treatment by a Registered Medical Practitioner; the Company shall reimburse the medical and surgical expenses incurred within 52 weeks from the date of accident, subject to limits stipulated in the Policy Contract.

4. Accident Hospital Income
Accident Hospital Income Benefit fit is payable up to 730 days upon admission to a hospital for a minimum of 6 continuous hours due to an accidental injury.


5. Compassionate Allowance (due to accident only)
In the event of accidental death, a cash payment of RM 5,000 will be payable. This amount is paid in addition to the PRINCIPAL SUM ASSURED.


B. Immediate Acceptance & Coverage
- No medical check-up is required
- This Cash Guaranteed Plan covers all income levels.
- This cover is effective upon the day AIA or its authorized
representative receives the completed and signed Cash Guaranteed Plan Enrolment Form.


C. Simple, Sensible and Affordable
To enroll in the AIA Cash Guaranteed Plan, just follow these simple steps.
- Choose the level of cover you require.
- Complete the Enrolment Form and Payroll Deduction Authority.
- Send this to AIA through your Human Resource Department.


D. General exclusions include
- Self-destruction or intentional self-inflicted injury or any such attempt while sane or insane,
- War or warlike operations , service in the armed force,
- Pregnancy or childbirth, AIDS or HIV infection, bacterial infection, any disease or sickness, medical or surgical treatment,
- Professional sports/games,
- Any pre-existing condition etc.


E. Accidental Death, Dismemberment & Loss of Sight Indemnity
When injury does not result in loss of life of the Assured within three hundred and sixty-five (365) days after the occurrence of the accident but does result in any of the following losses within said three hundred and sixty-five (365) days, the Company will pay for : -