*Terms & conditions apply.
CAMPAIGN
Free Income Cover
2025
10 mins read
10 mins read
Keep Your Income Going When You're Hospitalised
Frequently Asked Questions
The Free Income Cover provides a daily hospital cash allowance for Malaysians who have been hospitalised and are unable to work due to an accident or an infectious disease diagnosis. This cover is available for those who have been hospitalised for at least 3 consecutive days, up to 14 days in total.
Table of Benefits
Daily Hospital Cash Allowance (up to 14 days in total) |
AIA+ app User |
Non-AIA+ app User |
For normal ward admission |
RM100 per day |
RM50 per day |
For Intensive Care Unit (ICU) admission |
RM200 per day |
RM100 per day |
List of Infectious Diseases:
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Description of the benefit:
| Daily Hospital Cash Allowance for admission into normal ward or ICU |
When by reason of Injury or diagnosis of an Infectious Disease, the Covered Person requires Confinement in a Hospital for at least three (3) consecutive days (in normal ward and/or in ICU), We shall pay the amount of benefit as shown in the Table of Benefits for each day of hospitalisation, up to a maximum of fourteen (14) days from the date of Accident or Infectious Disease, in respect of one (1) Confinement. Consecutive hospitalisations resulting from the same Injury shall be considered as one (1) Confinement.
All Daily Hospital Allowance claims must be evidenced and supported by Hospital admission and discharge certification and/or original medical bill(s). |
Notes:
1. 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.
2. Each Covered Person is limited to signing up for this Free Income Cover only ONCE during the coverage period.
3. During the coverage period, only 1 accidental/infectious disease event is covered. The Covered Person can claim from all 2 benefits if the claim events are caused by a single accident/ infectious disease only. These benefits require a minimum confinement in hospital of at least 3 consecutive days. There is no waiting period for accident events; however, the 14 days waiting period for infectious disease diagnosis applies.
4. This free coverage is subject to a total claim limit of RM 1million (aggregated between all the free covers offered by AIA Bhd., AIA PUBLIC Takaful Bhd., and AIA General Berhad).
5. Please refer to Appendix 1 for the definition of the capitalized terms.
6. Please refer to Question 10 for the exclusions to Free Income Cover.
To be eligible for this free coverage, the customer needs to be:
a) A Malaysian citizen residing in Malaysia; and
b) Between the age of 18 and 55.
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 this Free Income Cover is effective upon successful registration, subject to 14 days waiting period for infectious disease events, until 31 March 2025, or upon reaching a total claims limit of RM1 million (for AIA Bhd., AIA PUBLIC Takaful Bhd., and AIA General Berhad, combined), whichever is earlier. The total claims limit of RM1 million is aggregated between all the free covers which are offered by Us. AIA reserves the right to withdraw this Free Income Cover at any time with prior notice.
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