Protect yourself and your loved ones from life's uncertainties with AIA's life insurance and takaful plans.
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 is available to individuals aged 16 to 55, subject to underwriting.
This plan covers:
Table of Benefits
Hospital Room and Board
(up to 120 days per year)
Intensive Care Units (ICU)
(up to 120 days per year)
As charged, subject to Annual Limit and Lifetime Limit
|In- Hospital Related Fees
All claims are subject to a Deductible of RM300 for Any One Disability.
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 medical expenses incurred as cost sharing. 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.
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 discharged date.
If you pass away during the policy’s term, no benefits will be payable as AIA Med Basic does not cover death.
Your coverage begins immediately after your premium payment is confirmed.
You can pay the premium for this plan with your debit card or credit card.
The premium for this plan is not guaranteed and may be increased in the future. We reserve the right to revise the premium rates by giving you 30 days written notice prior to the next policy anniversary.
Premiums are payable until the end of the policy term. Please note that the premium rate will increase depending on the attained age last birthday when the premium is due.
You can find the full premium rates in the Product Disclosure Sheet.
You can change your premium payment method or payment mode at our customer portal, My AIA. Please click on this link to login or register.
This plan is renewable every year up to the age of 70. Your policy will be renewed automatically on each policy anniversary as long as the premiums are paid.
No, you can only buy one (1) AIA Med Basic.
No, there is only one plan for AIA Med Basic.
Please note that this medical plan is cardless, hence you will not receive any medical card. For the cashless facility at admission, please refer to question 23 for more information.
Upon your successful purchase and premium payment, we will send you a confirmation email together with your e-policy contract. Please keep this email secure as proof of coverage. However, should you lose this email, you can always log on to our customer portal, My AIA, to view your policy details and download a copy of your e-policy contract. Please click on this link to login or register.
Yes, you have the option to cancel or surrender your policy. We will refund the premium based on the table below, provided that no claims have been made during the current policy year.
(Note: * not applicable to first Policy Year due to Free Look Period)
Free Look Period – You may cancel your policy by returning your policy contract and giving a written request signed by you to AIA Bhd. within fifteen (15) days after you have received your policy contract. The premiums that you have paid will be refunded.
You may reinstate your policy before the policy’s expiry date by visiting any AIA Customer Centres, subject to the following:
Please note that the reinstated policy shall only cover loss or the insured event which occurs after the reinstatement date after the applicable waiting period.
There are no fees, charges or taxes other than your premium payments.
The eligibility for benefits under the policy will only start after a specific period from the Issue Date or Commencement Date, whichever is later, of the policy. This period is known as the “Waiting Period”.
Yes. The waiting period for AIA Med Basic will apply from the Issue Date or Commencement Date, whichever is later, and is as follows:
|Specified Illnesses||120 days|
|Other Illnesses||30 days|
Deductible is a fixed amount you have to pay for the medical expenses incurred as cost sharing. 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.
For example, if the total eligible expenses are RM5,000, the amount payable by you is RM300 and we will pay for RM4,700.
Annual limit is the maximum amount we will pay in a year for this plan and lifetime limit is the maximum claimable amount for this plan throughout your life time.
This policy does not cover:
Note: This list is non-exhaustive. Please refer to your policy contract for the full list of exclusions.
You can download the claim form here. Please complete the form, including your bank information as we will pay the approved claim directly to your bank account via e-payment.
Below is the list of documents for your claims’ submission:
1) Individual Hospitalisation Claim Form
2) Original itemised bills (Invoice/Statement) and original official receipts including deposit receipts
3) Copy of Lab and Radiology Reports (MRI, CT Scan, Ultrasound, X-Ray, ECG, Histopathology, Biopsy & Other Medical Tests)
4) For Overseas Treatment, to include: Copy of Passport Indicating Biodata, Dates of Departure from Malaysia and Arrival Overseas or copy of Flight Ticket/Boarding Pass,
Original Detailed Admission Bill showing breakdown of each charges and translation of foreign language.
Any non-original documents must be certified as true copy by AIA’s authorised staff at any AIA Customer Centres.
You can submit the completed claim form together with the necessary documents at any AIA Customer Centres.
The cashless facility is only applicable for our panel and platinum hospitals.
For prompt processing of your admission, please present your Identity Card and referral letter, where applicable, to the hospital admission officer. Note that no medical card is required for the admission process. If you are eligible for the Letter of Guarantee, you are required to sign a claim form upon admission to the hospital and an approved claims statement at the time of discharge. Please also note that you will need to pay the deductible amount of RM300, and any other ineligible expenses upon discharge.
Any non-eligibility or invalidity of the cashless facility will be communicated to you through the hospital. Guarantee letter is a value-added service and is subject to the policy terms & conditions and information available during the request of Guarantee Letter. In the event you are hospitalised and not eligible for the Guarantee Letter, you will have to pay the charges in full and submit your claim with all the necessary documentation. Please refer to question 22 for more information on the necessary documentation for claims.
Letter of Guarantee is an assurance of payment offered by us confirming that the cost of treatment is eligible under the plan and will be covered by us. This letter is only applicable for our panel and platinum hospitals.
There are some specialists within the appointed panel hospitals that do not have any working arrangement with AIA Bhd. Policyholders who seek treatment from non-panel doctors will have to pay the charges in full and submit your claim with all the documents. Please refer to question 22 for more information on the documents for claims.
In the event you seek treatment from a non-panel hospital, you will have to pay the charges in full. Once this is done, you may submit your claim with all the documents. Please refer to question 22 for more information on the documents for claims.
To locate a panel and platinum hospital near you, please click here.
You can check your claims’ status by registering as a user of our customer portal My AIA. Please click on this link to register. You can also visit any of our Customer Centres or contact our Care Line at 1300 88 1899.
Please leave us your contact details by clicking on this link. You can also call our Care Line at 1300-88-1899.
If you send us an email, you will receive an immediate automated acknowledgement. Our customer service representatives will respond to your email within 3 working days.