AIA A-Life Joy Xtra
Contact Details
Richtec Consultancy
Phone: 019-787 1313
No. 11-01, Jalan Mutiara Emas 2A, Taman Mount Austin, 81100 Johor Bahru, Johor
AIA A-Life Joy Xtra
A-Life Joy Xtra is a long-term life insurance plan specially designed for children, providing protection from pregnancy to adulthood, and even into later stages of life.
With A-Life Joy Xtra, your child will be covered for Death and Total & Permanent Disability (TPD). When your child turns 18 years old, the coverage amount will automatically double (AutoGrowth) — no medical check-up or re-underwriting required.
You may choose the coverage term up to age 70, 80 or 100. If you select coverage up to age 70 or 80 and the account value remains sufficient, the policy may be automatically extended to age 100, without additional premium payments.
🟢Eligible
🔹Optional Riders (Not included by default — choose based on need)
All the benefits listed below are optional add-ons and not automatically included in the main plan, allowing parents to customize based on needs and budget.
① Parent Protection Riders
Ensures your child’s protection continues even if something happens to the parents.
If a parent passes away or suffers TPD, the child will receive a benefit payout, or the rider will trigger premium waiver, meaning the insurance company continues paying the premiums on behalf of the child.
➡ Even if something happens to the parents, the child remains protected.
② Maternity & Newborn Riders
Designed for expecting parents and newborn families.
Provides coverage for maternity complications, newborn medical & hospitalization during the first 30 days, congenital conditions, and developmental disorders up to age 5.
➡ Protection begins from pregnancy — not only after birth.
③ Child Critical Illness Riders
Designed for paediatric major disease risks, including rare diseases, cancer and organ-related disorders.
Parents may upgrade to standard CI coverage, early CI coverage, or multi-claim CI protection for enhanced long-term security.
➡ Even if illness strikes, families still have the financial strength to support treatment.
④ Medical & Hospitalization Riders
Enhances your child’s medical and treatment-related protection.
Includes a medical card (hospitalisation, surgery, treatment and recovery), daily hospital income benefit, and A-Plus MedCare — a global specialist medical review and case management service.
➡ Not just paying medical bills — but guiding families toward the best treatment options.
⑤ Education Savings Rider
Supports future education planning for your child.
Savings will be transferred to your child’s account at age 18, with flexible withdrawal, and potential personal tax relief (subject to LHDN’s final decision).
➡ Not only protection — but also education planning for the future.
✨Vitality Joy Wallet — The healthier the parents, the more the child benefits
When parents sign up for ParentsCare Xtra rider and join AIA Vitality, their child will automatically enjoy the Vitality Joy Wallet.
By staying healthy every year, parents will accumulate reward value in the Wallet, which can be used for:
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Vaccinations
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Dental care (including scaling & polishing)
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Eye examination & spectacles
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Hearing test
Children can use up to RM100 per year, until age 25.
If a parent passes away or suffers TPD, 100% of the remaining Wallet balance will be transferred to the child’s policy account, continuing to support their future.
🔍Health Wallet vs Joy Wallet — Easy Comparison
Health Wallet (for adult medical card A-Plus Health 2)
When the policyholder stays healthier and uses less medical services, the Wallet accumulates more value.
It can be used for check-ups, vaccinations, dental care, eye care, hearing tests, and selected medical out-of-pocket expenses.
➡ Key point: Encourages adults to stay healthy → reduces medical costs
Joy Wallet (for children under A-Life Joy Xtra)
The healthier the parents are (participating in AIA Vitality), the more the child benefits.It can be used for vaccinations, dental care, eye care and hearing tests, with a limit of RM100 per year until age 25.
If a parent passes away or suffers TPD, 100% of the remaining balance will be transferred into the child’s policy account.
➡ Key point: The healthier the parents are → the more benefits the child receives
📌 Final Summary
🔹 A-Life Joy Xtra is the main plan — providing core life protection for children
🔹 All other coverages are optional riders — to avoid confusion and ensure customisation
🔹 Plan can be tailored to suit family needs and budget
🔹 Ideal for expecting parents and families with children — combining life protection, medical, critical illness and savings
Get Professional Advice
Contact our representative to receive personalized insurance advice and begin your journey with us today. Call Felicia Fong (+6019-7871313) to receive the best insurance advice for you and your loved ones.