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Aman Critical Illness Top-Up


An affordable Critical Illness Top-Up Coverage for USD 5,000, USD 10,000, USD 15,000 or USD 20,000.
Underwritten by Archipelago Life Insurance Limited, specially designed to sit on top of your existing Critical Illness Takaful or Insurance Plans. This certificate is a yearly renewable term Certificate, for individuals between 19 to 70 years old on your age next birthday who wish to increase the Sum Covered of their existing Critical illness cover. With the soaring medical costs, the Critical Illness coverage that you purchased earlier may not suffice in this day and age. To buy another Critical Illness cover or requesting your existing Insurer or Takaful Operator to upgrade your plan may be too high a cost to bear! Our Aman Critical Illness Top-Up offers high protection at affordable Contributions and this is how you can maximize your coverage without spending too much. There are 4 options of Sum Covered that you can choose from to top-up your Critical Illness cover, namely USD 5,000,USD 10,000, USD 15,000 and USD 20,000. This plan is specially designed to provide additional compensation to you in the occurrence of a covered Critical Illness, to safeguard your family’s financial future and ensuring your family has one less thing to worry about when the time comes.

Our Aman Critical Illness Top-Up is a yearly renewable term plan which provides additional compensation in the occurrence of a covered Critical Illness, and subject to the same Critical Illness claim paid by existing base Insurer or Takaful Operator.

Our Aman Critical Illness Top-Up offers you:

  1. A Critical Illness cover on top of your existing Critical Illness plan with a reputable base Insurer or Takaful Operator;

  2. A cash lump sum of USD 5,000, USD 10,000, USD 15,000 or USD 20,000 depending on the type of Sum Covered purchased, in case you are diagnosed with a covered Critical Illness, subject to the same Critical Illness claim is paid by your existing base Insurer or Takaful Operator.

Understanding our policy is simple. This is because we have developed a simple, unambiguous and a clearly defined plan. Here is how it works:

You pay a certain amount of contribution per year, depending on your attained and Sum Covered purchased, and the benefits are:

•A Critical Illness lump sum payment of Sum Covered is payable to you in case you are diagnosed with a covered Critical Illness, subject to the same Critical Illness claim paid by existing base Insurer or Takaful Operator.

Annual Contribution for Zone 1 - Malaysia, Singapore, Brunei and Indonesia

Age Sum Assured (USD)
5,000 10,000 15,000 20,000
19 - 31 17.50 35 52.50 70
32 - 41 25 50 75 100
42 - 51 66.25 132.50 198.75 265
52 - 70 82.50 165 247.50 330

Annual Contribution for Zone 2 - Cambodia, Laos, Myanmar and Philippines

Age Sum Assured (USD)
5,000 10,000 15,000 20,000
19 - 31 38.75 77.50 116.25 155
32 - 41 48.75 97.50 146.25 195
42 - 51 93.75 187.50 281.25 375
52 - 70 108.75 217.50 326.25 435

Annual Contribution for Zone 3 - Vietnam and Thailand

Age Sum Assured (USD)
5,000 10,000 15,000 20,000
19 - 31 22.50 45 67.50 90
32 - 41 32.50 65 97.50 130
42 - 51 77.50 155 232.50 310
52 - 70 92.50 785 277.50 370

*Attained Age is based on your next birthday.

Just like most things for sale on the internet with their terms and conditions applied, our certificate is no different. Please read the Term & Conditions carefully in order to know the full term of your Takaful coverage, before purchasing our Certificate.

Our Aman Critical Illness Top-Up is offered to nationalities of Malaysia, Singapore, Indonesia, Brunei, Cambodia, Laos, Myanmar, Philippines, Vietnam and Thailand only with age of entry between 19 years old to a maximum of 70 years old on their next birthday and already have an existing Critical Illness cover with a reputable Insurer or Takaful Operator. Individuals must be in normal state of health and free from any congenital or physical deformity. Standard terms and conditions apply.

This type of Takaful product is suitable for any individuals who are looking for extra compensation in the event that a covered Critical Illness is diagnosed.

Certain implications may apply in the way that you are compensated and that you may be unaware of, hence it is important for you to read though our terms and conditions and understand them thoroughly. They may look lengthy, but they are straightforward. These are some of the key terms and condition that you should be aware of:

  1. Top-Up Cover
    This Certificate is a Family Takaful coverage designed to provide additional coverage on a “top-up” basis and will only pay after the Person Covered has exhausted all other avenues of compensation from other Insurances and/or Takafuls and is subject to provisions, conditions and limitations of the Certificate.
  2. Importance of disclosure
    You must disclose all material facts such as medical conditions and state your age correctly. Your Certificate shall be void or invalidated if you fail to disclose or wrongfully disclose any material fact. You should also provide sufficient and accurate information to enable us to advise you on the suitability of this plan, taking into consideration the appropriateness of the plan to your needs and circumstances.
  3. Free-Look-Period/ Period Of Khiyar (Right of Cancellation)
    You may cancel this Certificate by writing to us within fifteen (15) days after you receive this Certificate. If the Certificate is cancelled within this free look period, we will refund all Contributions paid without interest less any expenses Incurred by us in connection with this Certificate.
  4. Waiting Period
    This Certificate is subject to a Waiting Period of sixty (60) Days.
  5. Wakalah Fees
    Administration Fee: up to 40% of Takaful Contribution
    Management Expenses: 25% of Takaful Contribution
    Note: The charges imposed by Archipelago Life Insurance Limited may include Services Tax. Archipelago Life Insurance Limited has the right to recover any taxes required by law.
  6. This Takaful Certificate is available to individuals aged between 19 to 70 on their next birthday, must be in normal health and free from any physical deformity.
  7. No Takaful Benefit shall be payable if the death/injury/any medical or physical condition of the Person Covered is caused directly or indirectly, wholly or partly, by one of the following:
    1. •Pre-existing condition as defined in the Definition section of this Certificate; or
    2. •Critical Illness diagnosed during the Waiting Period of the Certificate; or
    3. •Signs or symptoms (whether seen by a doctor or not) or investigations, that leads to a diagnosis of any of the covered Critical Illness conditions, regardless of when the diagnosis is made during the Waiting Period as defined in the Definition section of the Certificate; or
    4. •War, invasion, act of foreign enemy, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection, mutiny or usurped power, military or popular uprising; or
    5. •Act of terrorism involving the use or release or the threat of any nuclear weapon or device or chemical or biological agent. For the purpose of the exclusion, ‘act of terrorism’ means an act including but not limited to the use of force or violence and/or threat thereof, of any person or group(s) of persons, whether acting alone or on behalf of or in connection with any organization (s) or government (s) committed for political, religious, ideological or similar purposes including the intention to influence any government and/or to put the public, or any section of the public in fear; or
    6. •Any form of disease, disability, infection or parasites and Acquired Immune Deficiency Syndrome (AIDS) or AIDS Related Complex (ARC) or Human Immunodeficiency Virus Infection (HIV)except the disease, disability, infection or parasites arose as a result of blood transfusion; or
    7. •Intoxication by alcohol or drugs (other than those prescribed by a qualified registered Medical Practitioner); or
    8. •Childbirth, miscarriage, pregnancy or any complications thereof; or
    9. •For transplantation surgery with the Person Covered as donor; or
    10. •Any condition that results from the use, existence or escape of nuclear weapons material or ionizing radiation from or contamination by radioactivity from any nuclear fuel or nuclear waste from the combustion of nuclear fuel; or
    11. •Radioactive toxic explosive or other hazardous properties of any explosive nuclear assembly, or of its nuclear component; or
    12. •Sickness arising from racing of any kind (except foot racing), hazardous sports such as but not limited to skydiving, water skiing, underwater activities requiring breathing apparatus, winter sports, professional sports and illegal activities; or
    13. •Congenital Deformity
    14. •Any medical or physical abnormalities existing at the time of birth, as well as neonatal physical abnormalities developing within 6 months from the time of birth (more commonly known as Congenital Condition), whether known or unknown to the Person Covered prior to the Certificate inception; or
    15. •Physical Deformity
    16. •Any pre-existing physical impairment/ deformities or mental retarded condition prior to Certificate inception; or
    17. •Any pre-existing physical or mental defect or infirmity, illness, disease, parasite, bacterial or viral infections diagnosed or treated prior to the inception date even it is contracted by accident; or
    18. •Any activities prohibited by Shariah Principles and Guidelines
  8. Please refer to the Product Disclosure Sheet and a full sample of our Certificate document for further information, available for your viewing pleasures.

As this is a Top-up cover, Archipelago Life Insurance Limited shall honor your claim if and only if, your existing base Insurer or Takaful Operator has accepted and paid your claim for the same diagnosed Critical Illness too.

To make a claim, the claimant must notify Archipelago Life Insurance Limitedwithin fifteen (15) days after the date notification of claim or as soon as possible. The following documents are required to be submitted to Archipelago Life Insurance Limited, within fifteen (15) days after the date notification of claim or as soon as possible, including but not limited to:-

  1. The Certificate Reference
  2. Proof of ownership of claimant
  3. The birth certificate, identification documents or other relevant documents we may require of the Person Covered or the claimant
  4. The duly completed claim form
  5. Proof of the event giving rise to claim under this Certificate
  6. The Base Policy and/or Base Certificate and proof of Claim paid by the Base Insurer and/or Base Takaful Operator
  7. Any other document we may request for processing claim

Please click on the relevant claim form below to download.

Aman Critical Illness Top-Up Claim Form.pdf

Submit your scanned copy of claim form complete with necessary supporting documents via email to claims@archipelagolife.com. Archipelago Life Insurance Limited reserves the right to request for the hardcopy of aforesaid documents, which can be submitted to B-08-07. Gateway Corporate Suites, Gateway Kiaramas, No. 1, JalanDesa Kiara, Mont Kiara, 50480 Kuala Lumpur, Malaysia.

We will not be liable if the claimant fails to provide the documents necessary to establish a claim and/or entitlement under the certificate. Archipelago Life Insurance Limited reserve the right to appoint any medical physician/specialist and/or any other professional support for reassessment or to assist on the claim should there be a room for dispute or ambiguity.

We recommend that claimants keep copies of all claims submissions until they have been fully settled.

If you do not get a response within 14 business days, please call Archipelago Life Insurance Limited Customer Service Department at 603 6201 0488 giving your certificate number and brief details of your claim.