The Free PA Boost is a welcome gift for your purchase of policy/certificate under the ‘Healthy You, Wealthy You’ or ‘Cover Kaw Kaw Merdeka Edition’ campaign during the Campaign Period, which is 1 August 2023 to 31 August 2023.

Both the policy/certificate owner and the insured/person covered for the policy/certificate purchased and activated by 15 September 2023 under the ‘Healthy You, Wealthy You’ or ‘Cover Kaw Kaw Merdeka Edition’ campaign are eligible for the Free PA Boost.

In addition, to be eligible for this coverage, one also needs to be:

1. A Malaysian citizen currently residing in Malaysia; and
2. Between the age of 15 days and 15 years (for children) OR 16 years and 70 years (for adults)

The Free PA Boost supports the Covered Person’s recovery from an Accident with the following coverage when the Covered Person suffers from an Injury due to an Accident within Malaysia.

Table of Benefits

Notes:

1. My AIA app user/non-My AIA app user status of the Covered Person at point of claims will be used to determine the benefit amount payable.
2. During the coverage period of Free PA Boost, only 1 accidental event is covered. 
3. There is no waiting period; the coverage is effective on the in-force date of the policy/certificate purchased under the ‘Healthy You, Wealthy You’ or ‘Cover Kaw Kaw Merdeka Edition’ campaign.  
4. The availability of the Free PA Boost is subject to a total claims limit of RM1 million (aggregated between all the free covers offered by AIA Bhd., AIA PUBLIC Takaful Bhd., and AIA General Berhad). 
5. This Free PA Boost is covered by AIA General Berhad. 
6. Please refer to Appendix 1 for the definition of the capitalised terms.
7. Please refer to Question 10 for the exclusions to Free PA Boost. 

The coverage period of this free coverage is effective until 31 October 2023, or upon reaching a total claims limit of RM1 million (aggregated between all the free covers offered by AIA Bhd., AIA PUBLIC Takaful Bhd., and AIA General Berhad), whichever is earlier. AIA reserves the right to withdraw this Free PA Boost at any time with prior notice. 

No. This Free PA Boost only covers Accidents which happen to the Covered Person within Malaysia during the coverage period. 

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 a My AIA app user. The benefit amounts will be lower for non-My 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. 

You will receive a welcome email within 14 working days from the in-force date of the policy/certificate purchased under the ‘Healthy You, Wealthy You’ or ‘Cover Kaw Kaw Merdeka Edition’ campaign.

You will then be required to download the My AIA mobile app via Google Play, App Store or Huawei App Gallery and register your My AIA account. Once completed, you may view your benefits via the My AIA app. You are highly encouraged to download the My 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 My 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 My AIA app such as Policy/Certificate No., Policy/Certificate Owner, Company Name, Staff/Employee No., Company Effective Date are NOT applicable for this Free PA Boost as the Free PA Boost is not an insurance/takaful benefit.

Please ensure that the details for your My AIA account registration are consistent with those provided during your purchase of policy/certificate under the ‘Healthy You, Wealthy You’ or ‘Cover Kaw Kaw Merdeka Edition’ campaign, including full name as per NRIC, NRIC Number, phone number and e-mail address.

If you are unsure, you may 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 MyAIA app/AIA customer portal
  • Step 1: Choose “Submit Claims” in My 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:

Documents

A copy of Malaysian Identity Card with front and back for Covered Person and Payee (if different from Covered Person) A copy of the first page of bank statement or account passbook indicating Payee Bank Account Number, Account Holder Name, Bank Name for E-payment purpose Diagnosis, Type of Accident and Treatment certified by doctor with chop/stamp of hospital at the receipts/bills Certified true copy of medical reports & imaging results, e.g. X-ray Film / X-ray Report Original receipts & bills with itemized breakdown

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) 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:

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.