Free Pregnancy Cover

Yes. Any pre-existing conditions are not covered under this Free Pregnancy Cover.

Examples of pre-existing conditions that are not covered as are below:

Pre-existing conditions of Amniotic Fluid Embolism:

If you are already diagnosed with any complications and sequelae arising from or related to the previous Amniotic Fluid Embolism, you will not be eligible to the benefit under this Free Pregnancy Cover.

Pre-existing conditions of Acute Fatty Liver of Pregnancy (AFLP) during Pregnancy:

If you are already diagnosed any liver and metabolic complications, including hepatic encephalopathy arising from or related to the previous Acute Fatty Liver of Pregnancy, you will not be eligible to the benefit under this Free Pregnancy Cover.

Pre-existing conditions of Eclampsia:

If you are already diagnosed with hypertension, or epilepsy, or pre-eclampsia, you will not be eligible to the benefit under this Free Pregnancy Cover.

Your Free Pregnancy Cover will commence on the day your registration on the dedicated microsite is successful. If your application is successful, you will receive a welcome email from us within 14 working days from the registration date.

You may then 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 Pregnancy 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 Pregnancy Cover. This is where you can view details of your Free Pregnancy 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 pregnancy 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’s / AIA Customer Portal homepage
• Step 2: Choose “Employee Benefits Claim”
• Step 3: Fill in the claim details under claim type “Maternity” 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:

Note:

1. Claims must be submitted within 60 days from the diagnosis date.
2. Written notice of any event likely to give rise to a claim should be submitted to AIA as soon as reasonably possible and in any case not later than 60 days of the occurrence causing such claim.
3. 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 that you may have provided incorrect information during sign up or claims application. Please resubmit the correct information and contact your respective AIA Life Planner for assistance.

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

“Covered Person” shall mean the person covered whom must meet the following eligibility and has successfully applied for this free coverage:

• Expecting mothers in their 1st to 36th gestational week;
• Age last birthday at the time of registration is between 18 years old and 45 years old; and
• Malaysian citizen or foreigners from the accepted countries, who are residing in Malaysia.
   

"Diagnosis" shall mean the definitive diagnosis made by a Physician, based upon such specific evidence or, in the absence of such specific evidence, based upon radiological, clinical, histological or laboratory evidence acceptable to Us. Such diagnosis must be supported by Our medical director who may base his opinion on the medical evidence submitted by the Covered Person, whichever applicable, and/or any additional evidence which the former may require.

"Physician" means a medical practitioner who is duly registered under the Medical Act 1971 and the Medical Regulations 2017 with the Malaysian Medical Council (MMC) and is licensed to practice western medicine within Malaysia and may practice as a general practitioner, or, where practicing as a specialist or surgeon, must be listed on the Malaysian Medical Council Specialist Register and practices only within the scope of his or her recognised specialty, training and registration.

“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/Owner himself, an insurance agent/authorised insurance intermediary, business partner(s) or employer/employee of the Covered Person/Owner 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.