All ages referred to under this free coverage shall be the age of Covered Person’s last
“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.
“Covered Person” shall mean the person(s) covered 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 three (3) months old and six (6) years
old; and a Malaysian citizen residing in Malaysia.
“Issue Date” or “Commencement Date” is the policy effective date as stated in AIA+ app and is the
date when coverage under this Policy takes effect.
“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 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 Owner.
Whenever the context requires, masculine form shall apply to feminine and singular term shall include