Free PA Boost

Yes. You may make claims for Accidental Medical Reimbursement, Alternative Treatment and Corrective Dental and Cosmetic Surgery if they are caused by the same Accident, up to a total shared limit of RM1,000*.  You may also make a claim for the Broken Bones and Burns Benefit if it is caused by the same Accident, up to RM2,000*.

*Note: These benefit amounts are applicable if you are an AIA+ app user. The benefit amounts will be lower for non-AIA+ app users. Please refer to the Table of Benefits in Question 1 for more details. 

No. This Free PA Boost only covers one accidental event. However, you may make a claim for all the benefits if the Injury is caused by the same Accident which happened during the coverage period, up to the benefit limit stipulated in the Table of Benefits under Question 1. 

No. All types of fractures are covered, except hairline fractures and dislocation.

“Second Degree Burns” shall mean the skin damage extends through the epidermis layer of the skin to the dermis layer causing formation of blisters.

“Third Degree Burns” shall mean the full thickness of skin destruction due to burns.

Please refer to Appendix 1 for the full list of definition of the capitalised terms.

The following exclusions are applicable:

• resistance to arrest, violation or attempt of violation of the law including but not limited to riding or driving without a valid license; 
• 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); 
• 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: 
  1. a commercial passenger airline on a regular schedule passenger trip over its established passenger route; or 
  2. any aircraft having a current and valid airworthiness certificate. 

• 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; 
• racing of any kind; or 
• engaging in any Hazardous Activity. 

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 benefits via the AIA+ app. You are highly encouraged to download the AIA+ mobile app to enjoy higher coverage for this Free PA Boost.  

Do not worry. This is where you can view details of your Free PA Boost in the AIA+ App.

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

Please note that the fields/terminology(s) within the AIA+ app such as Policy/Certificate No., Company Name, Staff/Employee No., Policy/Certificate Effective Date are NOT applicable for this Free PA Boost.

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, NRIC 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 or e-mail MY.Customer@aia.com and include “Free PA Boost” in the email subject 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's/AIA Customer Portal homepage
  • Step 2: Choose “Employee Benefits Claim”
  • Step 3: 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.

Table of Documents

List of documents required when submitting a claim:

Notes:

1. Claims must be submitted within sixty (60) days from the date of Accident.
2. Medical reimbursement for Injuries due to the Accident must be considered Medically Necessary by the 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.
4. In the event the Covered Person becomes entitled to a refund of all or part of the medical expenses from any other source, We shall only be liable for the excess of the amount recoverable from such other sources. All medical reimbursement claims must be supported by the original medical bill(s).

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 or email MY.Customer@aia.com 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.

“Acupuncturist”, “Bonesetter”, “Chiropractor” or “Osteopath” shall mean any person rendering medical services of that specific profession and is duly registered under the Traditional and Complementary Medicine Act 2016, the Allied Health Professional Act 2016 (including any re-enactments and/or amendments made thereof for the time being in force) or any prevailing or future laws or regulations, but excluding the Covered Person himself, an insurance/takaful agent/authorised insurance/takaful 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.

“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.

“Covered Person” shall mean the person(s) whom must meet the following eligibility and has/have successfully applied for this free coverage:

• Age last birthday at the time of registration is between fifteen (15) days old and seventy (70) years old; and a Malaysian citizen residing in Malaysia.

“Hazardous Activity” refers to mountaineering or abseiling necessitating the use of ropes and other climbing equipment, offshore activities beyond five (5) kilometers off any coastline and including rafting or canoeing involving white water rapids, bungee jumping, flying or other aerial activities (unless as a fare-paying passenger in a fully licensed aircraft), underwater activities involving the use of any artificial breathing apparatus to a depth of more than eighteen (18) metres, horseback polo playing, steeple chasing, any form of martial arts, racing (other than on foot or swimming) or trial of speed or reliability, ski-jumping, ski-bob racing, freestyle skiing including the use of bob sleighs, professional sporting activities and competitions of any kind, any organised sporting holiday and any other activities that require a degree of skill.

“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:

1. has facilities for diagnosis and major surgery;
2. provides twenty-four (24) hour a day nursing services by registered and Graduate Nurses;
3. is under the supervision of a Physician; and
4. 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/takaful agent/authorised insurance/takaful 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.

“Medically Necessary” means a medical service which is:

1. consistent with the diagnosis and customary medical treatment for a covered disability and/or Injury;
2. in accordance with standards of good medical practice, consistent with current standard of professional medical care, and of proven medical benefits;
3. 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);
4. not of an experimental, investigational or research nature, preventive or screening nature; and
5. for which the charges are fair and reasonable and customary for the disability and/or Injury.

“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/takaful agent/authorised insurance/takaful 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.

“Reasonable and Customary” shall mean any medical fee or expense which is charged for treatment, supplies or medical services Medically Necessary to treat a Covered Person’s condition under the care, supervision or order of a Physician; does not exceed the usual level of charges for similar treatment, supplies or medical services in the locality where the expense is incurred; and does not include charges that would not have been made if no insurance/takaful existed.

“Second Degree Burns” shall mean the skin damage extends through the epidermis layer of the skin to the dermis layer causing formation of blisters.

“Third Degree Burns” shall mean the full thickness of skin destruction due to burns.

“We”, “Our” or “Us” shall mean AIA Bhd., AIA PUBLIC Takaful Bhd., and AIA General Berhad.

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