Life Protection
Protect your loved ones’ future from life’s uncertainties.
A-Plus Health
Medical Protection
Coverage Period
UP TO 100 YEARS OLD
Entry Age
14 DAYS - 70 YEARS OLD
(Also available for pre-born child)
You can buy this via
AIA LIFE PLANNER
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. For this reason, A-Plus Health is designed to provide you with a complete health solution!
It comes with comprehensive medical coverage that protects you against escalating medical costs, and is the first to also provide coverage for recovery treatments and medical related equipment.
We all know that prevention is better than cure. That is why A-Plus Health also reimburses you the cost for health checks and vaccinations to help you determine your health condition and identify any early signs of health issues as well as help you with illness prevention.
When you purchase A-Plus Health and sign up as an AIA Vitality member, you get to enjoy Health Rewards! Health Rewards offers you additional benefits such as waiving 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.
Terms and conditions apply.
WHAT DOES IT PROVIDE?
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COMPREHENSIVE MEDICAL PROTECTION
This plan provides you with comprehensive medical protection up to age 100. It takes care of your medical bills and lets you focus on your treatment and recovery.
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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. To complement your healthcare journey it provides benefits for illness prevention, extra coverage for the top 3 critical illnesses and coverage for mobility and hearing-related equipment in the case of disability. Upon death, any remaining amount in the Health Wallet will be payable, up to 2 times of the coverage amount of the basic plan that A-Plus Health is attached to.
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Option to pay less
To enjoy lower premiums, you may choose a deductible amount of RM300. This RM300 deductible is only applicable for In-Patient Care, i.e. Hospital Room and Board, Intensive Care Unit and In-Hospital Related Fees.
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Health Rewards - Rewards You for staying healthy
Sign up for AIA Vitality when you purchase A-Plus Health and also enjoy additional Health Rewards such as waiver on the deductible amount upon hospital admission, room and board limit upgrade and/or boost your Health Wallet amount.
The more healthy choices you make, the higher your AIA Vitality Status, and better your Health Rewards.
Insurance Lingo Explained
What does deductible mean?
Deductible is a fixed amount you have to pay for the medical expenses incurred as cost sharing. If you choose RM300 deductible option, you have to pay the first RM300 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.
Like what you've read? This is just a summary of our product. If you want more information, you can view our brochure or contact an AIA Life Planner.
THE TERMS & CONDITIONS AT A GLANCE
- A-Plus Health 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 100 or the expiry of the basic plan, whichever is earlier.
- Total benefits payable for medical treatment are subject to your Annual Limit.
- There is no lifetime limit for A-Plus Health. You also need not worry if you exceed your annual limit, as it will be 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.
- A-Plus Health 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 RM300 deductible option, you will need to pay for the first RM300 incurred, while we will take care of the balance of the eligible expenses. However, if you are an AIA Vitality member and have achieved the Gold or Platinum status at the time of claim, as part of your Health Rewards, your deductible amount (if any) will be waived.
- 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 and AIA reserves the right to revise the cost of insurance by giving you a 30-day 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 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.