Life Protection
Protect your loved ones’ future from life’s uncertainties.
A-Plus Health Booster
Medical Protection
Coverage Period
UP TO 100 YEARS OLD
Entry Age
14 DAYS - 70 YEARS OLD
You can buy this via
AIA LIFE PLANNER
WHAT IS THIS PRODUCT ABOUT
A-Plus Health Booster is an optional medical rider that can be attached to the A-Life Med Regular plan to boost your medical coverage. It provides you with additional annual limit, enhanced out-patient benefits and extra benefits through our Health Wallet, such as health screening, vaccinations and etc.
To ensure you receive the best possible treatment and personalised ongoing support throughout your medical journey when faced with serious medical conditions, A-Plus Health Booster also comes with Personal Medical Case Management (PMCM) benefit which gives you access to worldwide medical support from diagnosis to recovery.
When you purchase A-Plus Health Booster and sign up as an AIA Vitality member, you can also enjoy additional Health Rewards such as waiving the deductible amount upon hospital admission, upgrading your room and board limit and/or increasing the amount in your Health Wallet, without having to pay any additional premium.
Terms and conditions apply.
WHAT DOES IT PROVIDE?
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High Annual Limit of up to RM1.5 million
This plan provides you with comprehensive medical protection up to RM 1.5 million every year!
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Health wallet - rewards you for not making claims
An amount will be credited into your Health Wallet for each policy year that you do not make a claim, up to 10 times. To complement your healthcare journey, the health wallet provides benefits for illness prevention, coverage for congenital conditions and elective surgery due to accident or cancer, extra coverage for the top 3 critical illnesses and reimbursement for mobility and hearing-related equipment in the case of disability. Upon death, the remaining amount in the Health Wallet will be payable, up to a fixed amount according to your selected plan.
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Health Rewards - Rewards You for staying healthy
Sign up for AIA Vitality when you purchase A-Plus Health Booster and enjoy additional Health Rewards such as a waiver on the deductible amount upon hospital admission, room and board limit upgrade and/or boost your Health Wallet amount.
The healthier the choices you make, the higher your AIA Vitality Status, the better your Health Rewards.
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Option to pay less
We have both zero and RM300 deductible options for your selection. To enjoy lower premium rates, you may choose a deductible amount of RM300.
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Personal Medical Case Management (PMCM) Benefit
(This is not available for Plan 150)
- Access to the world's leading specialists
- Review and re-evaluate your medical condition
- Offer medical recommendations based on reviewed diagnosis
- Ongoing guidance and support
- 24/7 hotline (excluding public holidays) in English, Bahasa Malaysia and Mandarin
This benefit is administered by our service provider, Medix Medical Services Asia Limited (Medix).
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 Booster is an optional add-on benefit ("rider") that you can attach to A-Life Med Regular 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 Booster. 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 Booster 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 for hospital admission, 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.
- The premium payable is depending on your attained age, it will increase as your age increases.
- The premium rates for this plan are not guaranteed and AIA reserves the right to revise the premium rates 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.
- Please note that if you decide to proceed with the treatment plan as recommended by our service provider under the PMCM benefit , the cost of medical treatment may or may not be covered under your Policy or medical card with the Company. You are advised to confirm your Policy coverage with the Company before performing the treatment.
- AIA Bhd. is not involved in the recommendations that Medix provides as the intent is for Medix to provide independent medical advice.
- 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.
AIA Bhd. (790895-D) is licensed under the Financial Services Act 2013 and regulated by Bank Negara Malaysia.