- Overview
- Benefits
- Terms & Conditions
Benefits
Frequently Asked Questions
AIA Med Basic is a yearly renewable insurance plan which provides coverage for hospitalisation and surgical expenses up to age 70.
This plan is commission-free and no intermediaries are involved in the sales or marketing of AIA Med Basic.
This plan covers:
|
Table of Benefits |
Plan |
|
|---|---|---|
|
1 |
Hospital Room and Board (up to 120 days per year) |
RM100 |
|
2 |
Intensive Care Units (ICU) (up to 120 days per year) |
As charged, subject to Annual Limit and Lifetime Limit |
|
3 |
In- Hospital Related Fees
|
|
|
All claims are subject to a Deductible of RM300 for Any One Disability / 5% Co-insurance up to RM1,000 per policy year. |
||
|
Annual Limit |
RM20,000 |
|
|
Lifetime Limit |
RM80,000 |
|
Notes:
1. This plan does not cover pre- and post-hospitalization and outpatient treatment.
2. Deductible is a fixed amount you have to pay for the eligible medical expenses incurred as cost sharing. You have to pay the first RM300 out of the eligible medical expenses for any one disability, and we will pay for the rest of the eligible medical expenses.
3. "Any One Disability" means that if two or more confinements are due to the same or related disability, or any complications arising from it, such confinements shall be regarded as one confinement if each of them is not separated by more than 90 days from the date of discharge.
4. Co-insurance refers to a fixed percentage of a medical charge that you have to pay. E.g. 5% Co-insurance means you have to pay only 5% of each medical bill (up to the relevant limits) and we will cover the balance of 95% (up to the relevant limits).
5. AIA Med Basic is a simple medical insurance plan which provides coverage for hospitalisation and surgical expenses. For more comprehensive medical insurance and other deductible/co-insurance options available, please leave your contact details via Enquiry Form. We will arrange for an AIA Life Planner to conduct an assessment and recommend suitable plans based on your protection and financial needs.
Deductible is a fixed amount you have to pay for the eligible medical expenses incurred as cost sharing. You have to pay the first RM300 out of the eligible medical expenses for any one disability, and we will pay for the rest of the eligible medical expenses.
For example, if the total eligible medical expenses are RM5,000, the amount payable by you is RM300 and we will pay for RM4,700.
Any One Disability means that if two or more confinements are due to the same or related disability, or any complications arising from it, such confinements shall be regarded as one confinement if each of them is not separated by more than 90 days from the discharged date.
Note: For other deductible/co-insurance options, please leave your contact details via Enquiry Form. We will arrange for an AIA Life Planner to conduct an assessment and recommend suitable plans based on your protection and financial needs.
Note: For more information about claims or nomination, please refer to the Claims FAQ.
Terms & Conditions
- AIA shall only pay the eligible medical expenses up to an amount we consider is reasonable and customary, provided that the medical care is medically necessary.
- This plan does not cover pre and post hospitalization and outpatient treatment
- Total benefits payable for medical treatment are subject to your Annual Limit and Lifetime Limit.
- You are covered worldwide but subject to maximum of 90 days protection if you are traveling outside Malaysia.
- The premium payable will increase depending on your attained age when the premium is due.
- The premiums for this plan is not guaranteed and AIA reserves the right to revise the premium by giving you 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 plan. Different waiting periods shall apply for different illnesses.
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