Investment-Linked Funds

A-Plus Health

Medical Protection

Coverage Period

UP TO 70, 80 OR 100 YEARS OLD OR 25 YEARS

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.

WATCH THE PRODUCT BENEFITS EXPLAINED

WHAT DOES IT PROVIDE?

COMPREHENSIVE MEDICAL PROTECTION

This plan provides you with comprehensive medical protection. It takes care of your medical bills and lets you focus on your treatment and recovery.
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 and psychiatric consultation for the covered mental conditions. 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.
Option to pay less

To enjoy lower premiums, you may choose a deductible amount of RM300 or RM20,000. The RM300 deductible option is only applicable for In-Patient Care, while the RM20,000 deductible option applicable for In-Patient Care and Out-Patient Care benefits.
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. The same applies to the RM20,000 deductible option.

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.

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THE TERMS & CONDITIONS AT A GLANCE

- COLLAPSE + EXPAND

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 70, 80 or 100 or for 25 years, depending on your selection.
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 amount option, you will need to pay for the first RM300 incurred, while we will take care of the balance of the eligible expenses. The same applies to the RM20,000 deductible amount option, where you will need to pay for the first RM20,000 incurred. However, if you are an AIA Vitality member, as part of your Health Rewards, your deductible amount (if any) will be fully or partly waived depending on your AIA Vitality status at the time of claim.
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, you will need to pay additional premium if the Cost of Insurance is revised. The Company reserves the right to revise the Cost of Insurance by giving the policyholder 30 days’ 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 Product Disclosure Sheet and Sales Illustration from your AIA Life Planner 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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A-Plus Health

UP TO 70, 80 OR 100 YEARS OLD OR 25 YEARS

14 DAYS - 70 YEARS OLD

AIA LIFE PLANNER

WHAT IS THIS PRODUCT ABOUT

WHAT DOES IT PROVIDE?

COMPREHENSIVE MEDICAL PROTECTION

Health wallet - rewards you for not making claims

Option to pay less

Health Rewards - Rewards You for staying healthy

Insurance Lingo Explained

CONNECT ME WITH AN AIA LIFE PLANNER

FULL NAME

Mobile Number

Home/Work Phone Number

Email Address

AIA Customer?

ID Number

Preferred Location To Meet

Preferred Day and Time

Thank You

THE TERMS & CONDITIONS AT A GLANCE

THE TERMS & CONDITIONS AT A GLANCE

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