- Overview
- Benefits
- Terms & Conditions
Benefits
Frequently Asked Questions
Takaful is a mutual assistance scheme based on the principles of solidarity, brotherhood, and cooperation. Each participant agrees to contribute on the basis of Tabarru’ (donation) into a fund called Participants’ Risk Fund (PRF), which will be used to assist each other in times of need. AIA PUBLIC Takaful Bhd. (AIA PUBLIC Takaful) as a Takaful Operator is entrusted to properly invest and manage this fund in accordance with the investment strategy that complies with Shariah principles.
This plan is commission-free and no intermediaries are involved in the marketing of AIA i-Med Basic.
This plan covers:
|
Table of Benefits |
Plan |
|
|---|---|---|
|
1 |
Hospital Room and Board (up to 120 days per year) |
RM100 |
|
2 |
Intensive Care Units (ICU) (up to 120 days per year) |
As charged, subject to Annual Limit and Lifetime Limit |
|
3 |
In- Hospital Related Fees
|
|
|
All claims are subject to a Deductible of RM300 for Any One Disability. |
||
|
Annual Limit |
RM20,000 |
|
|
Lifetime Limit |
RM80,000 |
|
Notes:
1. This plan does not cover pre and post hospitalization and outpatient treatment.
2. Deductible is a fixed amount you have to pay for the eligible medical expenses incurred as cost sharing. You have to pay the first RM300 out of the eligible medical expenses for any one disability, and we will pay for the rest of the eligible medical expenses.
3. "Any One Disability" means that if two or more Confinements are due to the same or related disability, or any complications arising from it, such confinements shall be regarded as one confinement if each of them is not separated by more than 90 days from the discharged date.
4. AIA i-Med Basic is a simple medical Takaful plan which provides coverage for hospitalisation and surgical expenses. For more comprehensive medical Takaful and other deductible/co-Takaful options available, please leave your contact details via Enquiry Form. We will arrange for an AIA Life Planner to conduct an assessment and recommend suitable plans based on your protection and financial needs.
Deductible is a fixed amount you have to pay for the eligible medical expenses incurred as cost sharing. You have to pay the first RM300 out of the eligible medical expenses for any one disability, and we will pay for the rest of the eligible medical expenses.
For example, if the total eligible medical expenses are RM5,000, the amount payable by you is RM300 and we will pay for RM4,700.
Any One Disability means that if two or more confinements are due to the same or related disability, or any complications arising from it, such confinements shall be regarded as one confinement if each of them is not separated by more than 90 days from the discharged date.
Note: For other deductible/co-Takaful options, please leave your contact details via Enquiry Form. We will arrange for an AIA Life Planner to conduct an assessment and recommend suitable plans based on your protection and financial needs.
Note: For more information about claims or nomination, please refer to the Claims FAQ.
Terms & Conditions
- AIA PUBLIC shall only pay the eligible medical expenses up to an amount we consider is reasonable and customary, provided that the medical care is medically necessary.
- This plan does not cover pre and post hospitalization and outpatient treatment.
- Total benefits payable for medical treatment are subject to your Annual Limit and Lifetime Limit.
- There is a deductible of RM300 for any one disability. "Any One Disability" means that if two or more confinements are due to the same or related disability, or any complications arising from it, such confinements shall be regarded as one confinement if each of them is not separated by more than 90 days from the discharged date.
- You are covered worldwide but subject to maximum of 90 days protection if you are traveling outside Malaysia.
- The contribution payable will increase depending on your attained age when the contribution is due.
- The contributions for this plan is not guaranteed and AIA PUBLIC reserves the right to revise the contribution by giving you 30 days written notice.
- The contributions 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 plan. Different waiting periods shall apply for different illnesses.
- This plan is underwritten by AIA PUBLIC Takaful Bhd. (AIA PUBLIC) and AIA PUBLIC is licensed under Islamic Financial Services Act 2013 and regulated by Bank Negara Malaysia.
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