- Overview
- Benefits
- Terms & Conditions
- Additional Protection
Benefits
Health Rewards with AIA Vitality
Sign up for AIA Vitality to enjoy additional benefits such as Health Screening Benefit, Hospital Room and Board Benefit Upgrade, and coverage for your deductible/co-Takaful amount and/or adding to your Health Wallet every year.
Frequently Asked Questions
A-Life MediFlex is a regular premium Medical and Health plan that provides comprehensive coverage for hospitalisation and surgical expenses up to age 100 of the Insured, with no lifetime limit.
A-Life MediFlex provides coverage for hospitalisation and eligible medical treatment expenses. Depending on the plan selected, benefits include room and board coverage, intensive care, surgical treatment, outpatient benefits, and other medical support to help reduce the financial burden of unexpected medical situations.
Medical and health insurance coverage helps pay for eligible healthcare expenses such as hospitalisation, surgeries, specialist treatment, intensive care, and other medically necessary treatments. Depending on the plan, coverage may also include benefits like room and board, outpatient cancer treatment, kidney dialysis, emergency care, and overseas medical coverage. Medical coverage helps reduce the financial burden of unexpected healthcare costs and gives individuals and families greater peace of mind when seeking treatment.
Medical insurance helps families manage rising healthcare costs, especially for serious illnesses or long-term treatments. It reduces financial burden, ensures timely treatment, and provides stronger financial protection during medical emergencies.
A medical insurance premium is the amount paid regularly to keep the policy active. It can be paid monthly or yearly and may vary depending on age.
Premiums are based on age, gender, health condition, occupation, and cost saving option chosen. Plans with higher benefits or lower cost saving options may cost more.
You may reduce costs by choosing suitable cost saving options, reviewing coverage regularly, and avoiding unnecessary duplication of benefits.
Missing a payment may affect your coverage. If payment is not received within the grace period, your policy may become inactive, and claims may not be covered until your coverage is reinstated.
When choosing a medical plan, consider your budget, coverage limits, access to hospitals, room and board benefits, available cost-saving features, coverage exclusions, waiting periods, and your long-term healthcare needs.
Terms & Conditions
- A-Life MediFlex is covers up to age 100.
- A-Plus MediBoost is an optional rider that covers up to age 100.
- A-Plus MediRecover is an optional rider that covers up to age 80.
- AIA Bhd. shall only pay the eligible medical expenses up to an amount we consider is Reasonable and Customary and Medically Necessary.
- Total benefits payable for medical treatment are subject to the annual limit of your medical plan.
- There is no lifetime limit for A-Life MediFlex. You also need not worry if you exceed the annual limit of your medical plan, as it will be reset every policy year during the coverage term.
- A-Life MediFlex 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.
- The premium payable will vary depending on your attained age at the next policy anniversary.
- The premiums for this plan are not guaranteed and AIA Bhd. reserves the right to revise the premium by giving you 30 days prior notice.
- The premium paid for this plan may qualify you for a personal tax relief, subject to the final decision of the Inland Revenue Board of Malaysia.
- Please note that premium paid by business organisations are subject to the applicable tax imposed by the Government of Malaysia at the prevailing rate.
- You will have to serve a waiting period before you can make any claims under this plan except for a covered injury. Different waiting period shall apply for different benefits.
- The information above is not exhaustive. It is recommended that you request for a copy of the Sales Illustration and Product Disclosure Sheet to know more about this product. For a detailed explanation of its benefits, exclusions, terms and conditions, please refer to the policy contract.
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