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    • Glossary Of Terms

    We know things can get complicated, especially with certain complex terms popping. To help you better understand and navigate the world of insurance, we’ve compiled a list of terms and their definitions:

    • A
    • C
    • D
    • H
    • I
    • M
    • O
    • P
    • R
    • S
    • T
    • W
    ACCIDENT

    An unforeseen and involuntary incident.

    C
    CO-INSURANCE

    A portion of the medical cost you pay after your deductible has been met. Co-insurance is a way of saying that you and AIA each pay a share of eligible costs that add up to 100 percent.

    COVERED ILLNESS

    An illness that has been diagnosed or has displayed symptons after the waiting period of the policy.

    D
    DAYCARE TREATMENT

    Pre-planned surgery/treatment procedures that allows a patient to be admitted to the hospital and discharged on the same day or hospitalisation for at least 6 hours and less than 24-hours. Medical procedures must be deemed medically necessary and duly referred by a qualified medical practitioner.

    D
    DEDUCTIBLE

    The amount you pay each visit/ per year for most eligible medical services or medications before your health plan begins to share in the cost of covered services.

    M
    MEDICALLY NECESSARY

    “Medically Necessary” shall mean a medical service which is:

    (a).consistent with the diagnosis and customary medical treatment for a covered Disability, and 

    (b).in accordance with standards of good medical practice, consistent with current standard of professional medical care, and of proven medical benefits, and 

    (c).not for the convenience of the Insured Member or the Physician, and unable to be reasonably rendered out of hospital (if admitted as an inpatient), and 

    (d).not of an experimental, investigational or research nature, preventive or screening nature, for which the charges are fair and reasonable and customary for the Disability. 

    When a person suffers an irreversible sickness or injury that prevents them from working.

    O
    OUTPATIENT

    Treatment at a hospital, clinic or medical facility that does not require admission to hospital for an overnight stay.

    M
    PRE-AUTHORISATION

    Pre-authorisation process is done prior to hospital admission to determine whether your insurance policy / takaful certificate benefits can cover the estimated expenses that will be incurred during your hospitalisation.

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    AIA Malaysia
    Menara AIA, 99, Jalan Ampang,
    50450 Kuala Lumpur
    AIA Bhd.
    1300-88-1899
    For Overseas Customers
    603 2056 1111
    AIA PUBLIC Takaful Bhd.
    1300-88-8922
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    1300-88-1899
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    1300-22-7771
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    1-800-88-8733
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    ABOUT US
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    Help & Support
    Contact Us
    FAQ
    Important Announcement
    Form Library
    AIA Malaysia
    Menara AIA, 99, Jalan Ampang,
    50450 Kuala Lumpur
    AIA Bhd.
    1300-88-1899
    For Overseas Customers
    603 2056 1111
    AIA PUBLIC Takaful Bhd.
    1300-88-8922
    AIA General Berhad
    1300-88-1899
    AIA Pension and Asset Management Sdn. Bhd.
    1300-22-7771
    AIA Roadside Assist
    1-800-88-8733
    www.aia.com.my/roadsideAssist
    Copyright © 2023 AIA Group Limited and its subsidiaries. AIA Bhd. 200701032867 (790895-D) AIA PUBLIC Takaful Bhd. 201101007816 (935955-M) AIA General Berhad 201001040438 (924363-W) AIA Pension and Asset Management Sdn. Bhd. 201201027147 (1011637-P) AIA Health Services Sdn. Bhd. 199601016211 (388561-T). All rights reserved.