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  • Medical Coverage

    Medical Coverage and You

    Be prepared for any uncertainties or emergencies. Let us help you better understand the importance of medical insurance and takaful coverage.

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    About medical insurance or takaful

    All you need to know

    Getting A Medical Plan - AIA Malaysia

    Getting a medical plan

    What to look out for

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    The impact of rising inflation

    How does this impact your medical coverage?

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    What is risk pooling?

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    Tips to future-proof your medical coverage

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    AIA medical plans

    End to end protection for you

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    Getting A Medical Plan - AIA Malaysia

    Getting a medical plan

    Things To Lookout For When Getting Medical Plan - AIA Malaysia

    As you consider getting a medical plan for yourself, here are a few things to lookout for:

    Understand Your Needs And Budget - AIA Malaysia

    Understand your needs and budget

    First, understand what your needs are and how much you can afford to put aside regularly. Here's where you can speak to a Life Planner/Financial Executive for advice and recommendation.


    Consult Your Life Planner Or Financial Executive - AIA Malaysia

    Consult your Life Planner/Financial Executive

    Talk to your Life Planner/Financial Executive and find out more about the medical plan that you wish to buy. A typical medical plan covers the hospital room and board, laboratory fees, nursing care, use of medical facilities, prescribed medicines, and supplies. So, it's best to understand the features of the plan and its terms and conditions.


    Find Out About Medical Insurance - AIA Malaysia

    Take time to find out:

    What Is The Room And Board Benefit Limit - AIA Malaysia

    What is the room & board benefit limit?


    How Long Is The Cover Going To Last - AIA Malaysia

    How long is the cover going to last?


    What Is The Waiting Period Imposed For Medical Insurance - AIA Malaysia

    What is the waiting period imposed, if any?


    What Is Medical Insurance Claim Limit - AIA Malaysia

    What is your claim limit?


    What Are Medical Insurance Exclusion - AIA Malaysia

    What are the exclusions?

    • Some common major exclusions in a typical medical plan include pre-existing illnesses, hospitalisation for investigatory purposes and any treatment or investigation that is not medically necessary.
    • It is also important to note that because pandemic-related risks are generally not covered by insurance and takaful plans worldwide, it is not uncommon to find this as an exclusion.

    How Much Premiums Or Contributions To Pay - AIA Malaysia

    How much premiums/contributions to pay?

    How much premiums/
    contributions to pay?

    It is important to find out if the amount remains the same throughout the entire duration of the policy/certificate or if it increases as you age.


    Any Deductible Or Co-Insurance Or Co-Takaful - AIA Malaysia

    Any deductible or co-insurance/co-takaful?

    deductible

    Deductible

    An upfront payment you make for all your medical care before your insurance/takaful kicks in. A high-deductible plan means that you are responsible for a greater share of your initial healthcare costs. As a result, you pay a lower premium/contribution. After meeting your deductible, the insurer/takaful operator will pay for the remaining portion of the cost.

    co-insurance

    Co-insurance/co-takaful

    A percentage of a medical charge that you pay, while the rest of the cost is covered by your medical plan. For example, if you have 20% co-insurance/co-takaful, you pay only 20% of each medical bill, and your plan covers the 80%.


    Do I Need A Medical Plan If I Already Have A Company Medical Card - AIA Malaysia

    Do I still need a medical plan if I already have a company medical card?

    It is common for many employees to think that they don't need a personal medical plan if they are covered by their company plan. But company medical benefits are not portable and ends when you leave the company. Company plans also have a coverage limit.

    Additionally, most private companies in Malaysia do not provide medical benefits when you retire, and it is hard for retirees to get medical insurance/takaful because of their age and health condition.

    Other important points

    Provide Full Disclosure To Insurance Company The Details Of Your Family Medical History - AIA Malaysia

    Full disclosure

    Make sure you disclose to the insurance/takaful company the details of your or family's medical history (if any) at the time of purchase, to avoid any possible disputes in the future.


    Medical Premium Are Subject To Review From Time To Time - AIA Malaysia

    Medical premium/contribution rates are not guaranteed

    They are subject to review from time to time in line with medical inflation.


    Review Your Medical Insurance Or Takaful Plan At Least Once A Year - AIA Malaysia

    Review your medical insurance/takaful plan at least once a year

    This is necessary, especially with rising healthcare costs. It is possible that the plan you have bought years ago may no longer be enough to meet current and future needs.

    Review Your Medical Coverage With AIA Financial Health Check - AIA Malaysia

    Review your medical coverage and assess your coverage needs with AIA's Financial Health Check.

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    AIA Malaysia
    Menara AIA, 99, Jalan Ampang,
    50450 Kuala Lumpur
    AIA Bhd.
    1300-88-1899
    For Overseas Customers
    603 2056 1111
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    1300-88-8922
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    1300-22-7771
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    AIA Malaysia
    Menara AIA, 99, Jalan Ampang,
    50450 Kuala Lumpur
    AIA Bhd.
    1300-88-1899
    For Overseas Customers
    603 2056 1111
    AIA PUBLIC Takaful Bhd.
    1300-88-8922
    AIA General Berhad
    1300-88-1899
    AIA Pension and Asset Management Sdn. Bhd.
    1300-22-7771
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    1-800-88-8733
    www.aia.com.my/roadsideAssist

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