- Overview
- Benefits
- Terms & Conditions
Benefits
Health Wallet
Receive up to RM2,500 in No-Claim Bonus annually when no claims are made, or up to RM1,000 in Preferred Panel Bonus when treatment is sought at SMART Panel Providers.
Future Ready Protection
High annual coverage of up to RM3 million, renewed every year with no lifetime limit—so your protection never runs out.
A-Plus
Health360-i
Your 360° Health Partner.
More Than Just a Cover.
Hospitalisation Care Benefit
Receive up to RM1,000 when admitted to SMART Panel Hospitals, or up to RM500 at other hospitals, based on your AIA Vitality status.
Access to AIA Panel Clinics and Telemedicine
Covers visits to AIA Panel Clinics and provides telemedicine access via Digital Health Services on the AIA+ app. Covers up to RM50 per visit for consultations, treatment, and medication, available up to three times per year through the Health Wallet.
Health Rewards with AIA Vitality
Unlock additional Health Rewards when you sign up for AIA Vitality together with A-Plus Health360-i.
Up to
RM 1,000
in Hospitalisation
Care Benefits
Up to
+100%
Room & Board Upgrade
Up to
+10%
annual Health
Wallet Booster
Up to
RM 1,000
in Healthy Retirement Bonus into Participant's Account Fund
Up to
RM 1,000
in Hospitalisation Care Benefits
Up to
+100%
Room & Board Upgrade
Up to
+10%
annual Health Wallet Booster
Up to
RM 1,000
in Healthy Retirement Bonus into Participant's Account Fund
Benefits are subject to your AIA Vitality Status and plan's eligibility.
Frequently Asked Questions
A-Plus Health360-i is a comprehensive medical takaful plan that helps cover hospitalisation, surgical expenses, selected outpatient treatments, recovery care, and preventive healthcare needs. It also rewards healthy habits through features such as the Health Wallet and AIA Vitality benefits.
A-Plus Health360-i is suitable for individuals and families seeking long-term medical protection and financial support against rising healthcare costs. It is available for eligible individuals from 14 days old to 60 years old, including coverage options for eligible pre-born children.
The plan provides coverage for hospital and surgical care, recovery and follow-up treatment, selected outpatient treatments, preventive healthcare services, and hospitalisation-related support, helping you manage healthcare expenses throughout different stages of life.
Health Wallet is a special feature that rewards healthy behaviours and claim-free periods. The accumulated amount can be used for selected healthcare benefits under the plan, helping reduce certain out-of-pocket healthcare expenses.
If you do not make any eligible claims, you can earn up to RM2,500 in your Health Wallet, subject to the plan's terms and conditions. These accumulated rewards can be used for selected healthcare services covered under the plan.
You may use your Health Wallet to cover up to RM50 per clinic visit for consultation, treatment, and medication at eligible clinics, up to three visits per year, subject to the plan's terms and conditions.
The plan encourages proactive healthcare through preventive care benefits, Health Wallet rewards, and additional incentives available through AIA Vitality. These features help promote healthier lifestyle choices while rewarding positive health habits.
From age 60 onwards, eligible Health Wallet funds may be transferred into the certificate Participant's Account Fund to help support your protection needs during retirement years, subject to the plan's terms and conditions.
While a standard medical card primarily focuses on hospitalisation coverage, A-Plus Health360-i combines comprehensive medical protection with preventive healthcare benefits, Health Wallet rewards, healthy lifestyle incentives through AIA Vitality, and long-term protection that can extend up to age 100.
Medical costs can increase significantly over time. A-Plus Health360-i helps provide long-term financial protection with annual coverage of up to RM3 million, renewable coverage with no lifetime limit, and automatic extension up to age 100, helping you stay protected throughout different stages of life.
Terms & Conditions
- A-Plus Health360-i an optional add-on benefit ("rider") that you can attach to a regular contribution Family Takaful plan.
- This rider covers up to age 70 or 80 with automatic extension to 100, depending on the basic plan it is attached to.
- Total benefits payable for medical treatment are subject to your annual limit.
- There is no lifetime limit for A-Plus Health360-i. You also need not worry if you exceed your annual limit, as it will be reset every year during the coverage term.
- AIA PUBLIC Takaful 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.
- A-Plus Health360-i 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.
- If you select the RM500 deductible option, you will need to pay for the deductible amount first from the eligible expenses incurred while we will take care of the balance of the eligible expenses.
- If you select RM500 Deductible with SMART Option, you will need to pay for the first RM500 eligible expenses incurred while we will take care of the balance of the eligible expenses if you follow the SMART Journey. If you do not follow the SMART Journey, you will need to pay the first RM500 and 20% of the eligible expenses incurred, up to RM20,000 per certificate year while we will take care of the balance of the eligible expenses.
- As the Tabarru' is deducted depending on your attained age, it will increase as you age increases.
- The Tabarru' rates for this plan are no guaranteed and AIA PUBLIC Takaful reserves the right to revise the Tabarru' rates by giving you a 30-day written notice.
- The contribution made 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 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 Takaful Certificate.
Share
