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.
HEALTH WALLET – REWARDS YOU FOR NOT MAKING CLAIMS
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.
DEDUCTIBLE FEATURE TO REINFORCE YOUR CURRENT MEDICAL COVERAGE
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.
HEALTH REWARDS – REWARDS YOU FOR STAYING HEALTHY
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.
Extensive coverage for COVID-19
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.
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.
A-Plus Health Guard is an optional add-on benefit ("rider") that you can attach to a regular premium Investment-linked Insurance Plan.
The plan covers up to age 70, 80 or 100, depending on your selection.
Total benefits payable for medical treatment are subject to your Annual Limit and Lifetime Limit.
There is RM500,000 lifetime limit for this plan. Your annual limit will reset every year during the coverage term.
AIA will only pay the eligible medical expenses up to an amount we consider is reasonable and customary, provided that the medical care is medically necessary.
Pre-Existing Illness will only be covered after one (1) year waiting period.
A-Plus Health Guard provides worldwide coverage. However, if you are residing or travelling outside of Malaysia for more than 90 consecutive days, you will not be covered for any medical treatment received overseas (except for Singapore and Brunei). Please note that the overseas coverage will be in accordance with the Reasonable and Customary and Medically Necessary Charges for such equivalent local treatment in Malaysia.
This rider comes with a deductible amount of RM20,000, which means you will need to pay for the first RM20,000 incurred, while we will take care of the balance of the eligible expenses. If you are an AIA Vitality member, as part of your Health Rewards, a portion of your deductible amount will be waived depending on your AIA Vitality status at the time of claim.
As the Cost of Insurance is deducted depending on your attained age, it will increase as your age increases.
The Cost of Insurance for this plan is not guaranteed, you will need to pay additional premium if the Cost of Insurance is revised. The Company reserves the right to revise the Cost of Insurance by giving the policyholder 30 days’ written notice.
The premiums paid for this plan may qualify you for a personal tax relief, subject to the final decision of the Inland Revenue Board of Malaysia.
You will have to serve a waiting period before you can make any claims under this rider except for a covered injury. Different waiting periods shall apply for different benefits.
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.