Investment-Linked Funds

A-Plus Recover

Medical Protection

Coverage Period

UP TO 80 YEARS OLD

Entry Age

14 DAYS - 65 YEARS OLD

(Also available for pre-born child)

You can buy this via

AIA LIFE PLANNER

WHAT IS THIS PRODUCT ABOUT

A-Plus Recover is the booster plan you need for greater health protection! It covers you in the event of severe illnesses or unexpected incidences that result in prolonged hospitalisations.

A-Plus Recover pays out the coverage amount in the event of prolonged hospitalisations due to illnesses or accidents, making this the ideal plan to complement your medical and critical illness coverage!

WHAT'S MORE: The Annual Limit for eligible medical plans** will be increased by 10 times of the A-Plus Recover coverage amount if the medical plan is purchased together with this benefit before 30 April 2023.

Read more about A-Plus Recover in Bahasa Malaysia.

WHAT DOES IT PROVIDE?

ALL-IN PROTECTION

The coverage amount is paid out in the event of Prolonged Hospitalisations*, irrespective of whether it was due to illnesses or accidents:

hospitalised in the ICU for at least 5 consecutive days; or

hospitalised in a Hospital for the purpose of receiving medical treatment for at least 15 consecutive days, where the hospitalisation must be accompanied by a surgery, or is due to an infection.
DOUBLE coverage

Your coverage will be reset one year after the first Prolonged Hospitalisation Benefit has been paid out.

This means you will still be protected against life's uncertainties after you have recovered.
ANNUAL LIMIT BOOSTER

The Annual Limit for eligible medical plans** will be increased by 10 times of the A-Plus Recover coverage amount if the medical plan is purchased together with this benefit before 30 April 2023.
AFFORDABLE PLAN

A-Plus Recover is an affordable plan that is available in the form of an investment-linked rider or a traditional rider.

For example, even a 40-year-old customer can enjoy a coverage of RM100,000 for about RM1 per day.

Insurance Lingo Explained

What does lump sum mean?

This is a single claim payment based on your coverage amount.

What does waiting period mean?

This is the time period where the insurance company will not pay for certain claims.

What does Medically Necessary mean?

In simple terms, Medically Necessary means health care services that a physician, exercising prudent clinical judgment, would provide to a patient.

The service must be:

(i) consistent with the diagnosis and customary medical treatment for the illness/ accident; and

(ii) in accordance with standards of good medical practice, consistent with current standard of professional medical care, and proven medical benefits; and

(iii) not for the convenience of the Insured or the Physician, and unable to be reasonably rendered out of Hospital (if admitted as an In-Patient); and

(iv) not of an experimental, investigational or research nature, preventive or screening nature; and

(v) for which the charges are fair and considered Reasonable and Customary Charges for the illness/ accident.

Like what you've read? This is just a summary of our product. If you want more information, please contact any AIA Life Planner to request for the Sales Illustration & Product Disclosure Sheet.

CONNECT ME WITH AN AIA LIFE PLANNER

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I agree that any personal information collected or held by AIA Malaysia may be disclosed by AIA Malaysia to any selected third party for the purposes of cross marketing, direct marketing and to communicate with me for such purpose. I understand that I have a right to obtain access to and to request correction of any personal information held by AIA Malaysia concerning me and such request can be made at my.contact@aia.com.

I agree to share my Financial Health Check results with my pre-assigned AIA life planner.

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THE TERMS & CONDITIONS AT A GLANCE

- COLLAPSE + EXPAND

*To be eligible for the Prolonged Hospitalisation Benefit, such hospitalisation and its duration of stay must be deemed Medically Necessary by the treating doctor.
**Eligible medical plans that are accepted for the Annual Limit Booster are A-Plus Health (Plan 200 & above) or A-Life Med Regular with A-Plus Health Booster (Plan 200 and above) or A-Plus Med with A-Plus MedBooster or A-Life Med Regular with A-Plus MedBooster.

A-Plus Recover can cover individuals up to age 80.
A-Plus Recover will then terminate after 200% of the coverage amount has been paid out under the Prolonged Hospitalisation Benefit.
A-Plus Recover is available as a rider attachable to A-LifeLink 2, A-Life Joy Xtra and A-Life Med Regular.
The premium is payable/ cost of insurance is deducted depending on your attained age and it will increase as your age increases.
The cost of insurance for A-Plus Recover is not guaranteed and AIA reserves the right to revise the cost of insurance by giving you thirty (30) days prior written notice.
The premiums apportioned to A-Plus Recover 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. Different waiting period shall apply for different causes for claims.
The premiums and sample cost of insurance for A-Plus Recover can be obtained here.

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A-Plus Recover

UP TO 80 YEARS OLD

14 DAYS - 65 YEARS OLD

AIA LIFE PLANNER

WHAT IS THIS PRODUCT ABOUT

WHAT DOES IT PROVIDE?

ALL-IN PROTECTION

DOUBLE coverage

ANNUAL LIMIT BOOSTER

AFFORDABLE PLAN

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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