Life Protection
Protect yourself and your loved ones from life's uncertainties with AIA's life insurance and takaful plans.
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Protect yourself and your loved ones from life's uncertainties with AIA's life insurance and takaful plans.
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{{label}}A Guarantee Letter is a letter of assurance that is offered by AIA to the panel hospital confirming that the cost of treatment for the patient will be taken care of by AIA. This means patients do not need to pay for their hospital expenses upfront and AIA will cover the eligible expenses and make payments directly to the hospital.
No, the coverage only covers medically necessary admission, hence admission for quarantine or convenience purpose is not covered.
Yes, Guarantee Letter for hospitalisation will be issued if the admission takes place at any of AIA Panel Hospitals. This Guarantee Letter facility shall only be applicable for cashless eligible individual medical plans.
For non-cashless medical plans, the admission would be on a reimbursement basis.
Please note that AIA will assess the Pre-Admission form together with the supporting documents/reports to determine if the claim falls under the “medically necessary” clause and other terms and conditions as defined in the policy/certificate.
No, the admission would be on a reimbursement basis. The amount of reimbursement is subject to the medical plan limits, terms and conditions and reasonable and customary charges as per stated in the policy/certificate.
The coverage amount is subject to the respective medical plan’s annual and lifetime limits as well as terms and conditions. Further to this, any claims made due to COVID-19 hospital admission will reduce the medical plan’s annual and lifetime limit. Please contact your AIA Life Planner should you have any enquiries about your medical plan’s coverage.
As COVID-19 is classified as a communicable disease that require quarantine by law, medical plans with such exclusion clause will not be eligible for COVID-19 coverage.
For more information, please refer to the flyers below.