Skip to main content
  • EN
  • BM
  • Search
  • AIA Malaysia
  • Our Products
    • Life Protection
    • Medical Protection
    • Critical Illness Protection
    • Savings & Investment
    • Accident Protection
    • Property Solutions
    • Motor Insurance
    • Online Products
    • AIA Vitality
    • Employee Benefits
    • Commercial Insurance
  • AIA Vitality
    • How It Works
    • REWARDS & BENEFITS
    • Member’s Testimonial
    • Join AIA Vitality
  • What Matters
    • Health & Wellness
    • Finance & Insurance
    • Video Gallery
    • Mental Wellbeing
    • Health Statistics
  • 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
    • Claims Process And Guides
    • Premium Payment
    • FAQ
    • Important Announcements
    • Form Library
    • How to Guides
  • My AIA
    • CUSTOMER LOGIN
    • CUSTOMER REGISTRATION
    • CORPORATE LOGIN
  • Investment-Linked Funds
AIA
  • Our Products

    Our Products

    Select from one of the categories on the right or click here for a recommendation based on your needs.

    Let us help you
    Investment-Linked Funds

    Get the latest updates on our funds and their performance.

    Click here to view AIA Investment Linked Funds Performance Report 2022

    For Individuals

    For Business

    • Life Protection

      Protect yourself and your loved ones from life's uncertainties with AIA's life insurance and takaful plans.

    • Medical Protection

      Avoid unforeseen medical expenses with AIA's medical insurance and takaful plans.

    • Critical Illness Protection

      Focus on your recovery and not your financial commitments when you have AIA's critical illness insurance or takaful plans.

    • Savings & Investment

      Stay protected while you secure your future with AIA's savings and investment plans.

    • Accident Protection

      Safeguard yourself from accidents with AIA's personal accident insurance plans.

    • Property Solutions

      Finance your dream property and ensure your household contents are well-protected.

    • Motor Insurance

      Get comprehensive protection for your motor vehicles.

    • Online Products

      Sign-up for our insurance and takaful plans online for immediate protection.

    • AIA Vitality

      AIA Vitality is the science-backed wellness programme that works with you and rewards you for the healthy choices you make. Find out more

    • Employee Benefits

      Secure your company's most important asset through our market-leading solutions.

    • Commercial Insurance

      Secure your business against mishaps and damages.

  • AIA Vitality

    AIA Vitality

    We support you in taking charge of your health.

    FIND OUT MORE
    • How It Works

      Discover how AIA Vitality motivates you to make healthy choices sustainably.

    • REWARDS & BENEFITS

      Find out what are the rewards and benefits that you can enjoy as an AIA Vitality member.

    • Member’s Testimonial

      Be inspired by the stories of our members 's journey with AIA Vitality

    • Join AIA Vitality

      Kickstart your journey towards better health today!

  • What Matters

    What Matters

    Guides and tips on the latest Health & Finance topics.

    VIEW ALL IN WHAT MATTERS
    • Health & Wellness

      Wholesome & healthy living starts today.

    • Finance & Insurance

      Discover our wide range of insurance and finance topics

    • Video Gallery

      Short videos on the latest Health & Finance topics.

    • Mental Wellbeing

      Start taking care of your mental health today.

    • Health Statistics

      Learn more about the current health statistic.

  • About AIA

    About AIA

    For almost a century, AIA has served the ever-changing needs of millions of people all across the Asia-Pacific region.

    Read More
    • About AIA Bhd.

      Who we are, what we do, our vision and awards.

    • About AIA Public Takaful Bhd

      Who we are, what we do, our vision and awards.

    • About AIA General Berhad

      Who we are, what we do, our vision and awards.

    • About AIA Pension & Asset Management

      Who we are, what we do, our vision and awards.

    • Career Opportunities

      Interested to join our AIA family? Look for a role that suits you.

    • Community & Partnerships

      Giving back to the community is important to us.

    • Media Centre

      Financials, press releases and other info about AIA.

    • Events & Promotions

      Events & Promotions

    • Customer Charter

      Our Commitment to our Customers

  • Help & Support

    Help & Support

    We strive to assist you with any inquiries you might have with a high touch customer service experience.

    Contact AIA
    • Contact Us

      Cannot find the answer in our FAQ section? Contact us now.

    • Locate Us

      Find us and our panel healthcare partners on Google Map

    • Claims Process And Guides

      Find Claims related information and guides here.

    • Premium Payment

      Find information and guides on how to pay premiums here.

    • FAQ

      Have a question? You may find the answer here.

    • Important Announcements

      Useful information for our customers

    • Form Library

      Need a form? Check our form library.

    • How to Guides

      Learn how to perform self serve transaction online at My AIA Portal.

  • My AIA

    My AIA

    Manage your AIA plans, employee benefits, stay healthy with AIA Vitality, and access healthcare services.

    Download My AIA
    Download My AIA
    Download My AIA
    Download My AIA
    • individual
      CUSTOMER PORTAL

      Manage your AIA plans, employee benefits, stay healthy with AIA Vitality, and access healthcare services.

      Register Login

    • corporate
      CORPORATE PORTAL

      For HR personnel and Intermediaries to manage the company's employee benefits portfolio effectively.

      Login

  • Language Select
    • EN
    • BM
  • Search
  • Contact Us
    • Contact Us

      Operating hours :
      Monday - Thursday : 8.30am - 5.30pm
      Friday : 8.30am - 4.30pm

    • AIA BHD.

    • AIA PUBLIC TAKAFUL BHD.

    • AIA General Berhad

    • AIA Roadside Assist

Employee Benefits
Prev | Next
Back to Top
  • {{title}}

    {{label}}
  • 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
    • A-Plus Health Guard

    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-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.

    • 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

    • PRODUCT BROCHURE PRODUCT BROCHURE
    • Takaful Brochure Takaful Brochure


    WHAT DOES IT PROVIDE?

    • PORTABLE AND CONTINUOUS MEDICAL COVERAGE
      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
      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
      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
      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
      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
      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

    • EXTENSIVE COVERAGE FOR COVID-19
      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.

       

      For more information, head on over to https://www.aia.com.my/en/covid-19-updates.html#coverage

    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

    Enhance Your Existing Medical Coverage

    Note: We also offer Takaful version for this plan. Please contact us for more information

    Vitality

    A-PLUS HEALTH GUARD

    Medical Protection

    • This plan includes extensive coverage for COVID-19
    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.


    • PRODUCT BROCHURE PRODUCT BROCHURE
    • Share Share


    WHAT DOES IT PROVIDE?

    • PORTABLE AND COMPREHENSIVE MEDICAL PROTECTION
      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
      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
      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
      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
      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.

       

      For more information, head on over to https://www.aia.com.my/en/covid-19-updates.html#coverage

    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:

    I agree that any personal information collected or held by AIA Malaysia may be disclosed by AIA Malaysia to any selected third party for the purposes of cross marketing, direct marketing and to communicate with me for such purpose. I understand that I have a right to obtain access to and to request correction of any personal information held by AIA Malaysia concerning me and such request can be made at my.contact@aia.com.



    Thank You

    THE TERMS & CONDITIONS AT A GLANCE

    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
    Life Protection
    Medical Protection
    Critical Illness Protection
    Savings & Investment
    Accident Protection
    Property Solution
    Motor Insurance
    Online Products
    Our Products
    Life Protection
    Medical Protection
    Critical Illness Protection
    Savings & Investment
    Accident Protection
    Property Solution
    Motor Insurance
    Online Products

    This website uses cookies for the purpose of enhancing your user experience. You can find more information on the types of cookies we collect, what we use these for, and how to manage your cookie settings in our Cookies Policy and Privacy Statement.

    What matters
    Health & Wellness
    Finance & Insurance
    Video Gallery
    Mental Wellbeing
    Health Statistics
    About Us
    About AIA Bhd.
    About AIA PUBLIC Takaful Bhd.
    About AIA General Berhad
    About AIA Pension and Asset Management Sdn. Bhd. 
    Careers
    Community & Partnership
    Events & Promotions
    Sitemap
    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 Auto Assist / Roadside Assist
    1-800-88-8733
    What matters
    Health & Wellness
    Finance & Insurance
    Video Gallery
    Mental Wellbeing
    Health Statistics
    ABOUT US
    About AIA Bhd.
    About AIA PUBLIC Takaful Bhd.
    About AIA General Berhad
    About AIA Pension and Asset Management Sdn. Bhd. 
    Careers
    Community & Partnership
    Events & Promotions
    Sitemap

    This website uses cookies for the purpose of enhancing your user experience. You can find more information on the types of cookies we collect, what we use these for, and how to manage your cookie settings in our Cookies Policy and Privacy Statement.

    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.
    Terms of Use | Privacy Statement | Code of Conduct | Sitemap