Investment-Linked Funds

EMPLOYEE VOLUNTARY SOLUTIONS

Employees can purchase portable and personal medical plan to enhance their existing medical coverage for themselves and their loved ones

A-HEALTH MAXIMISER

COVERAGE PERIOD

Up to 80 years old

ENTRY AGE

14 days to 59 years old

ONLY AVAILABLE FOR

Corporate Members Employee Benefits

WHAT IS THIS PRODUCT ABOUT

A-Plus Health Guard, the portable and personal medical plan that enhances your existing medical coverage to give you and your loved ones the protection you need.

Ensuring sufficient medical coverage for you and your loved ones could be taxing to your finances

The medical coverage provided by your employer typically ceases when you are no longer employed by the company, or upon retirement

With increasing life expectancy, you need to ensure that you have sufficient funding for the unexpected, now and into your golden years

You need a personalised medical plan that offers comprehensive medical protection for your changing healthcare needs

WHAT DOES IT PROVIDE?

PORTABLE AND CONTINUOUS MEDICAL COVERAGE

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
HIGH LIFETIME LIMIT OF UP TO RM1 MILLION

Lifetime Limit is as high as 3 times the Annual Limit, and with Plan 5, Lifetime Limit is up to RM1 million
FULL MEDICAL COVERAGE UPON RETIREMENT

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
OPTION TO PROTECT YOUR LOVED ONES

Your spouse and children can also enjoy the benefits offered by A-Health Maximiser
CASHLESS HOSPITAL ADMISSION WITH LETTER OF GUARANTEE

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
PERSONALISE ACCORDING TO YOUR HEALTHCARE NEEDS

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

ENHANCE YOUR EXISTING MEDICAL 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

A-PLUS HEALTH GUARD

Medical Protection

COVERAGE PERIOD

UP TO 70, 80 OR 100 YEARS OLD

ENTRY AGE

16 – 60 YEARS OLD

ONLY AVAILABLE FOR

AIA Corporate Members Employee Benefits

WHAT IS THIS PRODUCT ABOUT

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.

WHAT DOES IT PROVIDE?

PORTABLE AND COMPREHENSIVE MEDICAL PROTECTION

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.

Insurance Lingo Explained

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.

Get in Touch

Name

Mobile number

Email address

Preferred contact time

AIA customer?

ID number (Only applicable to AIA customers)

Preferred location to meet

Company name

To receive the information regarding promotions and offers from AIA Bhd., AIA General Berhad, AIA PUBLIC Takaful Bhd., AIA Pension and Asset Management Sdn. Bhd. and AIA Health Services Sdn. Bhd. (“AIA Malaysia”), please tick below:

THE TERMS & CONDITIONS AT A GLANCE

- COLLAPSE + EXPAND

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.

Our Products

Investment-Linked Funds

Life Protection

Medical Protection

Critical Illness Protection

Savings & Investment

Accident Protection

Property Solutions

Motor Insurance

Online Products

AIA Vitality

Employee Benefits

Commercial Insurance

What Matters

Health & Wellness

Finance & Insurance

Video Gallery

Mental Wellbeing

About AIA

About AIA Bhd.

About AIA Public Takaful Bhd

About AIA General Berhad

About AIA Pension & Asset Management

Career Opportunities

Community & Partnerships

Media Centre

Events & Promotions

Customer Charter

Help & Support

Contact Us

Locate Us

FAQ

Important Announcements

Form Library

How to Guides

My AIA

CUSTOMER PORTAL

CORPORATE PORTAL

EN

BM

Contact Us

AIA BHD.

AIA PUBLIC TAKAFUL BHD.

AIA General Berhad

AIA Auto Assist/AIA Roadside Assist

EMPLOYEE VOLUNTARY SOLUTIONS

A-HEALTH MAXIMISER

COVERAGE PERIOD

ENTRY AGE

ONLY AVAILABLE FOR

WHAT IS THIS PRODUCT ABOUT

WHAT DOES IT PROVIDE?

PORTABLE AND CONTINUOUS MEDICAL COVERAGE

HIGH LIFETIME LIMIT OF UP TO RM1 MILLION

FULL MEDICAL COVERAGE UPON RETIREMENT

OPTION TO PROTECT YOUR LOVED ONES

CASHLESS HOSPITAL ADMISSION WITH LETTER OF GUARANTEE

PERSONALISE ACCORDING TO YOUR HEALTHCARE NEEDS

ENHANCE YOUR EXISTING MEDICAL COVERAGE

A-PLUS HEALTH GUARD

COVERAGE PERIOD

ENTRY AGE

ONLY AVAILABLE FOR

WHAT IS THIS PRODUCT ABOUT

WHAT DOES IT PROVIDE?

PORTABLE AND COMPREHENSIVE MEDICAL PROTECTION

HEALTH WALLET – REWARDS YOU FOR NOT MAKING CLAIMS

DEDUCTIBLE FEATURE TO REINFORCE YOUR CURRENT MEDICAL COVERAGE

HEALTH REWARDS – REWARDS YOU FOR STAYING HEALTHY

Insurance Lingo Explained

Get in Touch

Name

Mobile number

Email address

Preferred contact time

AIA customer?

ID number (Only applicable to AIA customers)

Preferred location to meet

Company name

Thank You