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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

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    Getting a medical plan

    What to look out for

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    How does this impact your medical coverage?

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    Medical Plan Rates And Tabarru Revision - AIA Malaysia

    Medical Plan: Rates/ Charges/ Tabarru' Revision

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    Tips to future-proof your medical coverage

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    Medical Plan Rates And Tabarru Revision - AIA Malaysia

    Medical Plan: Rates/Charges/Tabarru' Revision

    How will this affect my medical plan?

    • For traditional standalone plan

    • For investment-linked plan

    Increase In Chronic Illnesses Causing More People To Seek Medical Treatment - AIA Malaysia

    If your medical plan with AIA is a traditional standalone medical plan or a premium/contribution paying rider that is added to an investment-linked plan, your premiums or contributions will be revised, and you will have to pay the revised amount to keep the coverage active.

    Insurance Charges Or Tabarru Will Be Revised With A New Monthly Deduction - AIA Malaysia

    If your medical plan with AIA is an investment-linked plan rider where its charges/Tabarru' are deducted from your account value, your insurance charges or Tabarru' will be revised with a new monthly deduction which pays for your medical coverage. If higher charges/Tabarru' are deducted, it is possible that your plan's account value will deplete faster if you continue paying your current premium/contribution amount. This means your plan may end earlier than intended, which stops your medical coverage.

    To prevent this, you may choose to increase or top up your premium/contribution amount. A scheduled top-up is highly encouraged as it sustains your medical plan, ensuring that you continue to receive coverage.

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

    What other alternatives do I have in light of these revisions?

    Deductible

    Upgrade to other medical plans offered by AIA

    Upgrade to plans with better and more comprehensive coverage which helps meet your current and future healthcare needs. Terms and conditions apply.


    Downgrade

    Downgrade your medical plan

    You can downgrade to a lower coverage plan (if available), but first, assess whether a lower medical plan will be sufficient to cover your needs today and in the future.


    Reduce

    Lower the sum assured of your overall insurance/takaful plan

    This can help lower your insurance charges/Tabarru'.


    Cancelling A Medical Paln Will Left One With No Medical Protection - AIA Malaysia

    Cancelling your existing medical plan altogether should only be taken as a last resort, provided that you have exhausted all possible and available options. It should ideally be avoided as you will be left with no medical protection at all. Paying for medical expenses especially for a major illness or an unexpected incident in this day and age can be financially debilitating, which makes having a good medical plan as your safety net even more crucial.

    Consult A Life Planner For Advice And Get Full Assessment - AIA Malaysia

    As always, we encourage you to consult your Life Planner/Financial Executive for advice and get a full assessment of all suitable options before making any changes to your coverage.

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    AIA Malaysia
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    50450 Kuala Lumpur
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    1300-88-1899
    For Overseas Customers
    603 2056 1111
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    1300-88-8922
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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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