- Overview
- Benefits
- FAQs
Benefits
How does PMCM work?
Frequently Asked Questions
Med Insure is a non-guaranteed yearly renewable medical insurance product which covers all reasonable and customary charges incurred for your medically necessary confinement as an in-patient in a hospital.
Med Insure covers all reasonable and customary charges for your hospitalisation, treatment, surgery, medical services provided to you as an in-patient in a hospital, up to the Annual Limit, as long as they are medically necessary. For hospital room and board, the amount of benefit payable shall not be more than the rate of standard single or basic single room of the hospital and Annual Limit. 'Standard Single or Basic Single Room' shall mean a room for single occupancy with single bed and adjoining bathroom in a hospital, which is not a suite, VIP, deluxe room or similarly classed room of a hospital.
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 payment may affect coverage and could lead to policy lapse after the grace period. During lapse, claims may not be covered until the policy is reinstated.
Consider budget, annual limit, hospital access, room and board coverage, cost saving options, exclusions, waiting periods, and long-term healthcare needs.
Medical insurance covers hospital and treatment expenses, while life insurance provides financial payout to beneficiaries in case of death or total permanent disability.
Yes, some benefits may have waiting periods depending on the condition or treatment. Please refer to the exclusion available in the brochure for more details on the waiting period.
Yes, both AIA panel and non-panel hospitals are acceptable. Cashless facility is available to AIA panel and platinum hospitals, whereas you will need to pay first and reimburse from AIA after discharge if you seek medical treatment in a non-AIA panel hospital.
Cashless Facility (applicable to AIA panel and platinum hospitals)
During Admission:
- Present your identity card to the hospital admission officer to request a Guarantee Letter (GL) from AIA.
- Check the GL decision via SMS before admission.
- Once GL is approved, you will need to pay a hospital deposit if required, depending on the hospital protocols.
- You may proceed to admit and seek medical treatment.
During Discharge:
- The hospital will provide the final billing and complete discharge documents to AIA for final GL.
- Once final GL is approved and issued, you will need to pay the deductible amount and any other ineligible expenses (if applicable), then you can discharge from the hospital.
Reimbursement Claim (applicable to non-AIA panel hospitals)
- You need to notify us by submitting your claim within 30 days from the date of discharge.
- Obtain the claim submission webpage link either in the email you received your e-certificate or Touch ‘n Go eWallet > Insurance > ‘My Policies’.
- Complete the claim submission webpage and provide the supporting documents required.
- Submit your claim to AIA via the claim submission page.
Payments for benefits will be made by AIA directly. Payment for all benefits under reimbursement claim will be paid to the Insured Person.
Visit the Touch 'n Go eWallet FAQ page to learn more about Med Insure.
Terms & Conditions
- AIA General Berhad shall only pay the eligible medical expenses up to an amount we consider is Reasonable and Customary and Medically Necessary, subject to Annual Limit of your medical plan.
- There is no lifetime limit for Med Insure. You also need not worry if you exceed the annual limit of your medical plan, as it will be reset every year during the anniversary of your coverage year.
- Med Insure 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 (last birthday) on the next anniversary of your coverage year.
- The premiums for this plan are not guaranteed and AIA General Berhad reserves the right to revise the premium rates by giving you at least 30 days prior written notice and the premium revision will be applicable from the next anniversary of your coverage year.
- 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.
- 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 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.
AIA General Berhad 201001040438 (924363-W) is licensed under the Financial Services Act 2013 and regulated by Bank Negara Malaysia.
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