AIA PUBLIC Takaful Bhd.

201101007816 (935955-M)
Menara AIA, 99, Jalan Ampang,
50450 Kuala Lumpur
Care Line: 1300-88-8922
Tel: 03-2056 1111
E-mail: my.customer@aiapublic.com.my
Website: AIA.COM.MY
<MM/DD/YYYY>

PRODUCT DISCLOSURE SHEET

Please read this Product Disclosure Sheet before You decide to take up AIA i-One Plan. Be sure to
also read the general terms and conditions.

1. What is this product about?

AIA i-One Plan is a 1-year term family Takaful plan, which provides coverage upon death and Total and
Permanent Disability (TPD).

2. What are the Shariah concepts applicable?

Wakalah - the contract between Participant and AIA PUBLIC Takaful Bhd. (AIA PUBLIC, as Takaful
Operator), where Participant authorises AIA PUBLIC to act on their behalf to conduct the affairs of Takaful
business. AIA PUBLIC will take a portion of the Participants' Contribution as a Wakalah Fee in return of
these services.

Tabarru' – the balance of Contribution after deduction of Wakalah Fee, which will be allocated into the
Participants' Risk Fund (PRF) as a donation for the purpose of mutual help and assistance to fellow
Participants in need.

Ju'alah - AIA PUBLIC will be entitled to earn up to 50% of the Surplus arising from the PRF as performance
fee for managing the fund efficiently which result in the surplus. The remaining portion of the Surplus will be
distributed to eligible Participants.

Qard - is an interest-free loan provided by AIA PUBLIC to the PRF in the event it becomes deficit to enable
it to pay Takaful benefit(s) to eligible Participants. This amount will be recovered from the future Surplus
prior to distribution.

3. What are the coverage/benefits provided?

This plan covers:

Description Benefit
Death RM <Basic Sum Covered>
TPD RM <Basic Sum Covered>

Duration of coverage: 1 year

4. How much Contribution do I have to pay?

The Total Contribution that You have to pay: RM <X,XXX.XX> annually.

Contribution duration: Annual contribution is payable only once.

You should be satisfied that the Contribution payable under the Certificate is the amount that You can afford.

5. What are the fees and charges that I have to pay?

(a) The Wakalah fee is deducted upfront as a percentage of Contribution to pay for AIA PUBLIC’s
management expenses. The expenses include stamp duty of RM 10.

(b) This plan is commission-free and no intermediaries are involved in the marketing of AIA i-One Plan.

(c) After deduction of Wakalah fee, the balance of Contribution paid will be allocated into the Participant’s
Risk Fund (PRF) as Tabarru' for the purpose of providing protection and meeting claims on the
events/risks covered under the Takaful Certificate. The Tabarru’ will increase as You grow older.

[AIA – INTERNAL]
 The table below shows the Contribution allocation:

Certificate Year 1
Contribution RM <XXX.XX>
% 40%
Wakalah Fee
RM <XXX.XX>
% 60%
Contribution Allocation into PRF (Tabarru’)
RM <XXX.XX>

Note:
This list is non-exhaustive. Please refer to the Takaful Certificate for more information on fees and
charges under this product.

6. What are some of the key terms and conditions that I should be aware of?

(a) Importance of disclosure – You must disclose all material facts such as Your medical condition, and
state Your age correctly.

(b) Free Look Period – You may cancel the Takaful Certificate by giving a written request that is signed by
you to AIA PUBLIC within fifteen (15) days of your e-certificate contract being made available on AIA’s
customer portal. The Contributions that You have paid will be refunded to You.

(c) Claim Procedures – Please refer to AIA’s website to understand further on the claim procedures.

(d) Nomination – You are encouraged to appoint a nominee(s) for your Takaful application to ensure a
smooth settlement of claim. Please ensure that your nominee(s) is aware of the Takaful Certificate that
you have participated.

Notes:
(i) It may not be advantageous to switch from one Takaful plan to another, as You may be subject to new
underwriting requirements and waiting periods for the new Takaful Certificate.

(ii) The terms and conditions as stated in this Product Disclosure Sheet are not exhaustive. Please refer to
the Takaful Certificate for the full list of terms and conditions. The contents of the Takaful Certificate
shall prevail if there are any discrepancies between the Product Disclosure Sheet and the Takaful
Certificate documents.

(iii) Please note that contribution paid by business organisations are subject to the applicable tax imposed
by the Government of Malaysia at the prevailing rate.

7. What are the major exclusions under this Certificate?

Any death arising from the occurrence of the following is not covered:
(a) Death caused by suicide.

Any Total and Permanent Disability arising from the occurrence of the following is not covered:

(a) willful exposure to danger or attempted self-destruction or self-inflicted injuries while sane or insane;
(b) services in the armed forces in time of declared or undeclared war or while under orders for warlike
operations or restoration of public order;
(c) entering, exiting, operating, servicing, or being transported by any aerial device or conveyance except
when the person covered is a fare-paying passenger or crew member on a commercial passenger
airline on a regular scheduled passenger trip over its established passenger route;
(d) any congenital defect which has manifested or was diagnosed before the person covered attains 17
years of age; or
(e) any disability resulting from a physical or mental condition which existed before the issue date or
commencement date of the Certificate, whichever is later, which was not disclosed in the application or
health statement.

Note: This list is non-exhaustive. Please refer to the Takaful Certificate for the full list of exclusions.

2
8. Can I cancel my Takaful Certificate?

You may cancel/surrender your Certificate by giving a written notice to AIA PUBLIC. Upon
cancellation/surrender of the Certificate after Free Look Period, the unutilised Contribution from PRF and
the unearned Wakalah Fee from the Takaful Operator’s fund (if any) will be payable to you, provided that
you have not made a claim on the Certificate.

9. What do I need to do if there are changes to my contact details?

It is important that You inform AIA PUBLIC of any change in Your contact details such as Your address or
e-mail address so that AIA PUBLIC can keep you informed of any important information. You should also
notify AIA PUBLIC of any change in the address(es) of Your nominee(s) in order to facilitate payment of
claim.

10. Where can I get further information?

Should You require additional information about the product, please visit our website at AIA.COM.MY.

If You have any enquiries, please contact:

AIA PUBLIC Takaful Bhd. 201101007816 (935955-M)

Menara AIA, 99, Jalan Ampang,
50450 Kuala Lumpur
Care Line: 1300-88-8922
Tel: 03-2056 1111
Email: my.customer@aiapublic.com.my
Website: AIA.COM.MY

This Takaful plan is underwritten by AIA PUBLIC Takaful Bhd., a licensed Takaful Operator under the Islamic
Financial Services Act 2013 and regulated by Bank Negara Malaysia.

11. Other similar type of plans available

Please contact AIA PUBLIC Takaful Bhd. or visit our website at AIA.COM.MY for other similar types of
plans that We offer.

IMPORTANT NOTE:
PARTICIPATING IN A FAMILY TAKAFUL PLAN IS A LONG-TERM FINANCIAL COMMITMENT. YOU MUST
CHOOSE THE TYPE OF CERTIFICATE THAT BEST SUITS YOUR PERSONAL CIRCUMSTAMCES. YOU
SHOULD READ AND UNDERSTAND THE TAKAFUL CERTIFICATE AND CONTACT AIA PUBLIC
TAKAFUL BHD. DIRECTLY FOR MORE INFORMATION.

THIS PRODUCT DISCLOSURE SHEET CONTAINS A SUMMARY OF THE PRODUCT AND IS NOT A
TAKAFUL CERTIFICATE. PLEASE REFER TO THE CERTIFICATE CONTRACT FOR FULL DETAILS OF
THE TAKAFUL CERTIFICATE.

The benefit(s) payable under eligible takaful certificates / products is (are) protected by Perbadanan Insurans
Deposit Malaysia ("PIDM") up to limits. Please refer to PIDM’s Takaful and Insurance Benefits Protection System
("TIPS") Brochure or contact AIA PUBLIC Takaful Bhd. or PIDM (visit www.pidm.gov.my).

The information provided in this disclosure sheet is valid as at <MM/DD/YYYY>.