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The Free Balik Kampung Cover consists of both Accidental Road Injury coverage and Hospital Income due to Road Accident, influenza, or heat stroke.

Table of Benefits

Notes:

1. The Free Balik Kampung Cover is offered by AIA Bhd. and AIA PUBLIC Takaful Bhd. (“AIA”).
2. AIA+ app user/non-AIA+ app user status of the Covered Person at point of claims will be used to determine the benefit amount payable.
3. Each Covered Person is limited to signing up for Free Balik Kampung Cover only ONCE during the coverage period.
4. During the coverage period, only one event shall be payable from each benefit, i.e., one accidental event for Accidental Road Injury and one hospitalisation event for Hospital Income due to road accident, influenza or heat stroke. In the event the accidental event is claimable for both Accidental Road Injury and Hospital Income due to road accident, influenza or heat stroke, the coverage shall be terminated after claim.
5. The eligibility of the benefit under Hospital Income due to influenza or heat stroke will only start after 14 days from the coverage start date. Refer to Question 5 for the coverage period.
6. This free coverage is subject to a total claims limit of RM1 million (combined limit for AIA Bhd., AIA PUBLIC Takaful Bhd., and AIA General Berhad), whichever is earlier. This combined limit is aggregated between all the free covers.
7. Please refer to Appendix 1 for the definition of the capitalised terms.
8. Please refer to Question 7 for the exclusions to Free Balik Kampung Cover.

You can sign up for Free Balik Kampung Cover from 1 January 2025 until 28 February 2025.

To be eligible for this coverage, one needs to be:

1. A Malaysian citizen currently residing in Malaysia; and
2. Between the age of 15 days and 15 years old (for children) OR 16 years and 70 years old (for adults).

Note: Only parents or the legal guardians can sign up for this Free Balik Kampung Cover for children under their care.

You can drop your interest in the link provided in the EDM which we have sent to you.

We will assign an AIA Life Planner to assist you for the enrolment.

The coverage period of Free Balik Kampung Cover is effective upon successful registration until 31 March 2025 or upon reaching a total claims limit of RM1 million (combined limit for AIA Bhd., AIA PUBLIC Takaful Bhd., and AIA General Berhad), whichever is earlier. The combined limit is aggregated between all the free covers. AIA reserves the right to withdraw this Free Balik Kampung Cover at any time with prior notice. 

No. Free Balik Kampung Cover is only eligible for Malaysians who are residing in Malaysia.

The following exclusions are applicable for road Accident coverage:

• Any Pre-Existing Conditions prior to the date this enrolment was made;
• Any Injury caused by any incident other than a road Accident within Malaysia in a private motor vehicle or public conveyance;
• Any medical treatment or hospitalisation for any Injury incurred after thirty (30) days from the date of road Accident; and
• Any treatment or hospitalisation that was not obtained in Malaysia.

The following exclusions are applicable for influenza and heat stroke coverage:

• Any Pre-Existing Conditions prior to the date this enrolment was made;
• Any signs or symptoms of influenza or heat stroke that is manifested prior to or within fourteen (14) days from the date this enrolment was made;
• Any sickness or disease other than those caused by influenza or heat stroke; and
• Any hospitalisations that are not in Malaysia.