You can claim Daily Hospital Cash Allowance up to 14 days in total and the total claim amount is RM1,600 and the breakdown is as per below:
Normal ward admission: RM100 per day X 12 days = RM1,200
ICU admission: RM200 per day X 2 days = RM400
The payout amount is based on the type of admission for first 14 days.
No. You may claim only for one accident event or infectious disease diagnosis during the coverage period.
Yes. This Free Dengue Cover does not cover any accidental claim where the basis of the claim is caused directly or indirectly, wholly or partly by any of the following:
1. war, invasion, act of foreign enemy hostilities or warlike operations (whether war be declared or not), mutiny, civil war, rebellion, revolution, insurrection, conspiracy, military or usurped power, martial law, or state of emergency;
2. while the Covered Person is serving in the armed forces of any country or international authority, whether in peace or war;
3. resistance to arrest, violation or attempt of violation of the law including but not limited to riding or driving without a valid license;
4. suicide or self-destruction or any attempt thereat or self-inflicted Injury while sane or insane;
5. mental or nervous disorders;
6. while the Covered Person is under the influence of alcohol or use of drugs/narcotics of any kind (other than those taken in accordance with treatment prescribed and directly by a Registered Medical Practitioner, but not for the treatment of drug or alcohol addiction);
7. pregnancy, childbirth or miscarriage, or any complications therefrom;
8. any congenital anomalies and conditions arising out of or resulting therefrom;
9. bacterial, viral or fungal infections (except pyogenic infections which shall occur through an accidental cut or wound, and Infectious Disease covered under this free coverage);
10. medical or surgical treatment (except as necessitated by Injury and Infectious Disease covered under this free coverage);
11. dental treatment (except as necessitated by Injury for extraction of sound and natural teeth);
12. any kind of disease or sickness, including but not limited to Acquired Immune Deficiency Syndrome (AIDS), Human immunodeficiency Virus (HIV), Encephalopathy (dementia) and HIV Wasting Syndrome;
13. entering, operating, or servicing, riding in or on, ascending or descending from or with any aerial device or conveyance as an operator/pilot or crew member, except while the Covered Person is riding as a fare-paying passenger in an aircraft operated by:
(a) a commercial passenger airline on a regular schedule passenger trip over its established passenger route; or
(b) aircraft having a current and valid airworthiness certificate.
14. engaging in a sport in a professional capacity or where the Covered Person would or could earn income or remuneration from engaging in such sport;
15. racing of any kind; or
16. engaging in any Hazardous Activity.
Note: Please refer to Appendix 1 for the definition of the capitalized terms.
Your Free Dengue Cover will commence on the day your registration on the microsite is successful. If your application is successful, you will receive a welcome email 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 Dengue 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 Dengue Cover. This is where you can view details of your Free Dengue Cover in the AIA+ App.
Follow the guide below and you will be able to see that your coverage is shown (point 6) below:
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.
Table of Documents
List of documents required when submitting a claim:
Documents |
|
Note:
1. Claim must be submitted within 60 days from the accident/ diagnosis date.
2. We may request additional information and/or supporting documents when required; your early response will expedite the processing of your claim.
One of the reasons is you may have provided 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.
“Confinement” or “Confined in a Hospital” shall mean admission in a Hospital for a minimum period of six (6) hours upon the recommendation of a Physician and continuous stay in the Hospital prior to the Covered Person’s discharge. Confinement shall be evidenced by a daily room/room and board charged by the Hospital.
“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.
“Infectious Disease” means any of the covered Infectious Diseases listed below that:
(a) first started and was first contracted, where physical signs and symptoms are first displayed after fourteen (14) days from the registration date, whichever is later; and
(b) was diagnosed by a Registered Medical Practitioner using internationally accepted medical diagnostic criterion, with acceptable clinical, radiological, histological and laboratory evidence.
List of Covered Infectious Diseases are:
“Injury” means bodily Injury caused solely by Accident.
“Covered Person” shall mean the person(s) covered whom must meet the following eligibility and has/have successfully applied for this free coverage:
“Intensive Care Unit” (ICU) means a section within a Hospital which is designated as an Intensive Care Unit by the Hospital, and which is maintained on a twenty-four (24) hour basis solely for treatment of patients in critical condition and is equipped to provide special nursing and medical services not available elsewhere in the Hospital.
“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 or a member of the Covered Person’s immediate family or related in similar fashion to the Covered Person.
“Physician”, “Registered Medical Practitioner” or “Surgeon” 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.
Whenever the context requires, masculine form shall apply to feminine and singular term shall include the plural.
