Life Protection
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{{label}}Employees can purchase portable and personal medical plan to enhance their existing medical coverage for themselves and their loved ones
Up to 80 years old
14 days to 59 years old
Corporate Members Employee Benefits
A-Health Maximiser, the portable and personal medical plan that enhances your existing medical coverage to give you and your loved ones the protection you need.
A-Health Maximiser is the medical plan that you can bring with you when you leave your company and even after you retire, protecting you until age 80
Lifetime Limit is as high as 3 times the Annual Limit, and with Plan 5, Lifetime Limit is up to RM1 million
At, age 60, this self-insured deductible amount shall be reduced to zero and you shall enjoy full medical coverage from the first Ringgit of claims
Your spouse and children can also enjoy the benefits offered by A-Health Maximiser
Provides you hassle-free hospital admission with just a phone call away – 1300 88 1899 for issuance of Letter of Guarantee to all panel hospitals
Select from 5 attractive price plans according to your specific needs with Room and Boards benefits ranging from RM100 to RM500
Each Plan comes with two options of self-insured deductible amount
Under this medical plan, you will receive extensive coverage for COVID-19. If you were to experience any side effects or complications from taking an approved COVID-19 vaccine that requires hospital admission, you will be covered for the cost of your medical treatments. Our COVID-19 coverage also includes hospitalisation in the event you contract COVID-19, whether it is an admission to a government or private hospital, as deemed necessary.
For more information, head on over to https://www.aia.com.my/en/covid-19-updates.html#coverage
Serves as an additional layer of coverage on top of your existing medical plan to maximise your level of protection
Note: We also offer Takaful version for this plan. Please contact us for more information
Medical Protection
UP TO 70, 80 OR 100 YEARS OLD
16 – 60 YEARS OLD
AIA Corporate Members Employee Benefits
Personal health is one of our most valuable assets and is essential for us to enjoy a good and productive life. Therefore, you should not compromise your health to your existing medical coverage limit. A-Plus Health Guard is designed to reinforce your medical coverage needs.
A-Plus Health Guard is a portable and personal medical plan that comes with comprehensive medical coverage to protect you against escalating medical costs with no medical underwriting required. Its high deductible feature also allows you to purchase additional medical coverage that complements your employee benefits provided by your employer at a lower cost of insurance to meet your budget.
When you purchase A-Plus Health Guard and sign up as an AIA Vitality member, you get to enjoy Health Rewards! Health Rewards offers you additional benefits such as waiving a portion of the deductible amount upon hospital admission, upgrading your room and board limit and/or increasing the amount in your Health Wallet every year, without having to pay any additional premium.
This plan provides you with comprehensive medical protection that you can bring with you when you leave your company and even after you retire.
An amount will be credited to your Health Wallet for each policy year you do not make a claim, up to 10 times. If you have fully utilised your annual limit or lifetime limit, the amount in the Health Wallet can be used to pay for the remaining eligible expense. Upon death, any remaining amount in the Health Wallet will also be payable, up to 2 times of the coverage amount of the basic plan that A-Plus Health Guard is attached to.
This product comes with a deductible amount of RM20,000 to help you take care of your high medical expenses when your current medical coverage is insufficient to support. The deductible amount is applicable to In-Patient Care and Out-Patient Care benefits.
Sign up for AIA Vitality when you purchase A-Plus Health Guard to enjoy Health Rewards such as waiver on a portion of the deductible amount upon hospital admission, room and board limit upgrade and/or boost your Health Wallet amount.
The healthier the choices you make, the higher your AIA Vitality Status will be, and you enjoy greater Health Rewards.
Under this medical plan, you will receive extensive coverage for COVID-19. If you were to experience any side effects or complications from taking an approved COVID-19 vaccine that requires hospital admission, you will be covered for the cost of your medical treatments. Our COVID-19 coverage also includes hospitalisation in the event you contract COVID-19, whether it is an admission to a government or private hospital, as deemed necessary.
For more information, head on over to https://www.aia.com.my/en/covid-19-updates.html#coverage
What does deductible mean?
Deductible is a fixed amount you have to pay for the medical expenses incurred as cost sharing. The deductible amount of this plan is RM20,000, you have to pay the first RM20,000 out of the eligible expenses for any one disability, and we will pay for the rest of the eligible expenses.
What does lifetime limit mean?
This is the maximum claimable amount throughout your life time, which you may normally find in a medical insurance.
What does annual limit mean?
This is the maximum amount an insurance company will pay in a year for a medical insurance.
The information above is not exhaustive. It is recommended that you request for a copy of the Product Disclosure Sheet and Sales Illustration from your AIA Life Planner to know more about this product. For a detailed explanation of its benefits, exclusions, terms and conditions, please refer to the policy contract.