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
“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) eligible for Free PA Boost who:
- Is a policy/certificate owner or insured/person covered under the policy/certificate purchased during the Campaign Period for ‘Healthy You, Wealthy You’ or ‘Cover Kaw Kaw Merdeka Edition’ campaign and the policy/certificate is set in force on/before 15 September 2023;
- Age last birthday between fifteen (15) days old and seventy (70) years old; and
- Is 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:
- has facilities for diagnosis and major surgery;
- provides twenty-four (24) hour a day nursing services by registered and Graduate Nurses;
- is under the supervision of a Physician; and
- 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:
- consistent with the diagnosis and customary medical treatment for a covered disability and/or
- in accordance with standards of good medical practice, consistent with current standard of
professional medical care, and of proven medical benefits;
- 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);
- not of an experimental, investigational or research nature, preventive or screening nature; and
- 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
“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