Life Protection
Protect your loved ones’ future from life’s uncertainties.
A-Plus Total Health
Medical Protection
Coverage Period
UP TO 80 YEARS OLD
Entry Age
14 DAYS - 70 YEARS OLD
You can participate in this via
AIA LIFE PLANNER
WHAT IS THIS PRODUCT ABOUT
A good medical plan should be able to protect you when you require medical treatment and even when you are healthy. For this reason, we have designed A-Plus Total Health to provide comprehensive medical coverage that safeguards you against escalating medical costs without you having to worry about any lifetime limit. And as we all know that prevention is better than cure, this plan will also reimburse 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.
Not only that, you can extend the coverage to your family by adding A-Plus Total Health to the plan. To make it hassle-free for you, the medical coverage for each of your loved ones are all under a single basic plan under your name.
When you participate in A-Plus Total Health and, at the same time, sign up as an AIA Vitality member, you will also get to enjoy Health Rewards. Health Rewards offers you additional benefits such as upgrade to your room and board limit and/or increasing the amount in your Health Wallet every year, all without having to pay any additional contribution.
WHAT DOES IT PROVIDE?
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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.
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HEALTH WALLET - REWARDS YOU FOR NOT MAKING CLAIMS
An amount will be credited to your Health Wallet if you do not make a claim for 2 consecutive years and your contribution payments are up-to-date. For each subsequent year thereafter that you do not make a claim and for paying your contributions on time, we will continue paying an amount to your Health Wallet, up to 10 times. You can use the Health Wallet amount to complement your healthcare journey where 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 Total Health is attached to.
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OPTIONS TO PAY LESS
To enjoy lower contribution, you may choose a deductible amount of RM500 or RM10,000. Payment of 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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FAMILY BOOST
You can choose to extend the medical coverage to your spouse and children under a single basic plan under your name. Each additional life will have his or her own annual limit and Health Wallet.
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PERSONAL MEDICAL CASE MANAGEMENT BENEFIT
- Access to the world's leading specialists
- Review and re-evaluate your medical condition
- Offer medical recommendation 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 that you have to pay for the medical expenses incurred as cost sharing. If you choose the RM500 deductible option for example, you have to pay the first RM500 out of the eligible expenses for any one disability and we will pay for the rest of the eligible expenses.
What does annual limit mean?
This is the maximum claimable amount in a year for a medical plan.
What does lifetime limit mean?
This is the maximum claimable amount throughout your life time which you may normally find in a medical plan.
What is Tabarru'?
Tabarru' (Donation) is the amount deducted at a predefined portion as a donation for the purpose of mutual help and assistance to fellow participants in need.
Like what you’ve read? This is purely a product summary. If you want more information about this product, please request a copy of the Product Disclosure Sheet and Product Illustration from an AIA Life Planner.
THE TERMS & CONDITIONS AT A GLANCE
- A-Plus Total Health is an optional add-on benefit ("rider") that you can attach to a regular contribution Family Takaful plan.
- This rider covers up to age 80, depending on the basic plan it is attached to.
- Total benefits payable for medical treatment are subject to your annual limit.
- There is no lifetime limit for A-Plus Total Health. You also need not worry if you exceed your annual limit, as it will be reset every year during the coverage term.
- AIA PUBLIC Takaful 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 Total 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 RM500 or RM10,000 deductible option, you will need to pay for the first RM500 or RM10,000 incurred while we will take care of the balance of the eligible expenses.
- Each additional life added is subject to additional contribution. The maximum number of dependents that can be added to a single basic plan is five (5).
- As the Tabarru' is deducted depending on your attained age, it will increase as your age increases.
- The Tabarru' rates for this plan are not guaranteed and AIA PUBLIC Takaful reserves the right to revise the Tabarru' rates by giving you a 30-day written notice.
- The contribution made 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 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 Takaful Certificate.