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A private motor vehicle is a vehicle that is privately owned, has a valid motor insurance coverage (not expired) and is registered under the laws of Malaysia. Examples of private motor vehicles include cars and motorbikes.

A public conveyance is a mode of licensed transport available to the general public. Examples of public conveyances include public bus, train, taxi, e-hailing services, and airport limousines.

If your application is successful, you will receive a welcome email from AIA to your registered email address in your application within 14 working days from the registration date.

You will then be required to download the AIA+ mobile app via Google Play, App Store or Huawei App Gallery and register your AIA+ account. Once completed, you may view your coverage via the AIA+ app. You are highly encouraged to download the AIA+ mobile app to enjoy higher coverage for this Free Balik Kampung Cover.

No worries. This is a system default display setting in the AIA+ app and does not mean you are an AIA employee. It does not affect your eligibility and coverage for the Free Balik Kampung Cover. This is where you can view details of your Free Balik Kampung Cover in the AIA+ App.

Follow the guide below and you will be able to see that your coverage is shown (point 6) below as:

• Accidental Road Injury of RM1,000
• Hospital Income of RM100 per day, up to 10 days.

Please ensure that you have provided the correct information via the dedicated microsite when you sign up for this free coverage, including full name as per NRIC / Passport, NRIC / Passport Number, phone number and e-mail address.

If you are unsure, please resubmit the application with the correct information and contact your respective AIA Life Planner for assistance.

• ✔ Please refer to Table of Documents below for the list of documents required when submitting a claim.
• ✔ Claims can be submitted via AIA+ app/AIA customer portal.
  
  • Step 1: Choose “Submit Claims” in AIA+ app/AIA Customer Portal homepage.
  • Step 2: Choose “Employee Benefits Claim”.
  • Step 3a: For Accidental Road Injury Coverage, fill in the claim details under claim type “Accident” and complete the rest of the claim submission process following the instructions in the app/portal.
  • Step 3b: For Hospital Income Coverage, fill in the claim details under claim type “Hospitalisation” and complete the rest of the claim submission process following the instructions in the app/portal.
     

Table of Documents

List of documents required when submitting a claim:

Notes:

1. Claims must be submitted within thirty (30) days from the date of road Accident and/or date of discharge for Hospitalisation coverage.
2. Medical reimbursement due to Accidental Road Injury and Hospitalisation due to road accident, influenza or heat stroke must be considered Medically Necessary by a registered medical practitioner for a claim to be permissible.
3. We may request additional information, supporting documents or medical examination when required; your early response will expedite the processing of your claim.

You may have entered the incorrect information during the claims application. Please resubmit the claim application with the correct information and contact your respective Life Planner for assistance.

All ages referred to under this free coverage shall be the age of Covered Person’s last birthday.

“Accident” means a sudden, unintentional, unexpected, unusual, and specific event that occurs at an identifiable time and place which shall, independently of any other cause, be the sole cause of bodily Injury.

“Covered Person” shall mean the person(s) whom must meet the following eligibility and has/have successfully enrolled to this Free Balik Kampung Cover:

• Age last birthday at the time of registration is between fifteen (15) days old and seventy (70) years old; and
• An individual within the accepted countries who is residing in Malaysia.

“Hospital” shall mean only an establishment duly constituted and registered as a Hospital for the care and treatment of sick and injured persons as paying bed-patients, and which:

(a) has facilities for diagnosis and major surgery;

(b) provides twenty-four (24) hour a day nursing services by registered and Graduate Nurses;

(c) is under the supervision of a Physician; and

(d) is not primarily a clinic; a place for alcoholics or drug addicts; a nursing, rest or convalescent home or a home for the aged or similar establishment.

“Injury” means bodily Injury caused solely by Accident

“Licensed Nurse” or “Graduate Nurse” shall mean any person that upon successful completion of a recognised college or school of nursing, is legally authorised by the government of the geographical area of his/her practice to render nursing services, but excluding a Licensed Nurse or Graduate Nurse who is the Covered Person himself, an insurance agent/authorised insurance intermediary, business partner(s) or employer/employee of the Covered Person’s or a member of the Covered Person’s immediate family or related in similar fashion to the Covered Person.

“Medically Necessary” means a medical service which is:

(a) consistent with the diagnosis and customary medical treatment for a covered disability and/or Injury;

(b) in accordance with standards of good medical practice, consistent with current standard of professional medical care, and of proven medical benefits;

(c) not for the convenience of the Covered Person or the Physician, and unable to be reasonably rendered out of Hospital (if admitted as an in-patient);

(d) not of an experimental, investigational or research nature, preventive or screening nature; and

(e) for which the charges are fair and reasonable and customary for the disability and/or Injury.

“Physician” or “Registered Medical Practitioner” shall mean any person qualified by degree in western medicine and who is legally authorised in the geographical area of his practice to practise medicine and surgery, but excluding the Covered Person himself, an insurance agent/authorised insurance intermediary, business partner(s) or employer/employee of the Covered Person or a member of the Covered Person’s immediate family or related in similar fashion to the Covered Person.

"Pre-Existing Conditions" means illnesses/disabilities prior to the date this enrolment is made that the Covered Person has reasonable knowledge of. A Covered Person may be considered to have reasonable knowledge of a Pre-Existing Condition where the condition is one for which:

(a) the Covered Person had received or is receiving treatment;

(b) medical advice, diagnosis, care or treatment has been recommended;

(c) clear and distinct symptoms are or were evident; or

(d)  its existence would have been apparent to a reasonable person in the circumstances.

Whenever the context requires, masculine form shall apply to feminine and singular term shall include the plural.