Life Protection
Protect yourself and your loved ones from life's uncertainties with AIA's life insurance and takaful plans.
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{{label}}22 April 2021
When reviewing the Guarantee Letter request, several factors that AIA will consider includes:
If the patient's policy terms and benefits are sufficient to cover the hospitalisation expenses, AIA will pre-authorise the claim by issuing an Initial Guarantee Letter to the hospital.
Before a patient is discharged, the actual cost of hospital expenses that are payable by AIA will be detailed in the Final Guarantee Letter.
In some instances, the Guarantee Letter facility
would not be made available
for the following reasons:
Doctor's fees (Consultation, Surgery, Procedures)
Hospital charges (Lab, equipment, medical supplies, pharmacy)
Other hospital charges that are related to admission and treatment
Admission kit
Medical report fees
Registration fees
Vitamins and supplements
External fixations, special aids, braces
Non-related test/ investigations/ medications
AIA has working arrangements with most private hospitals nationwide. This extensive coverage will give our customers peace of mind when it comes to seeking healthcare services wherever they are.
Additionally, AIA has also selected several panel hospitals as preferred hospitals which are known as AIA Platinum Hospitals. Additional benefits for AIA policyholders in AIA Platinum Hospitals include:
Waiver of administrative charges such as registration fees, admission fees, etc.
During admission, patients with pre-approved Guarantee Letters do not need to provide a deposit
Shorter processing time for Guarantee Letter facility.
Exclusive rates on health screening packages and other value-added services.