Best 10 Medical Protection Plans AIA Malaysia Offers!

AIA Malaysia Medical Insurance Review

AIA Group Limited is the leading life insurance group which has been offering insurance and financial services, accident and health insurance, retirement planning, general insurance, mortgage, and family takaful products to millions of customers in the Asia-Pacific region for over 90 years. It is present in 18 markets across the Asia-Pacific including Malaysia, with its headquarter being in HongKong.

AIA Medical Card

AIA has several medical protection plans with different benefits and coverage which customers can choose from according to their needs and financial strength. These plans include:

  • A-Plus Health,
  • A-Life Medik Famili,
  • A-Plus Med Booster,
  • A-Plus Med Booster- i
  • A-Life Med Regular
  • A-Plus Med
  • A-Plus Med-i
  • A-Plus HospitalIncome & A-Plus HospitalIncome Extra
  • A-Plus HospitalIncome Extra-i
  • A-Plus Babycare-i
  • A-Plus Babycare

AIA A-Plus Health

This is a comprehensive health plan that offers a complete medical coverage for your whole healthcare journey.

Coverage Period: Up to 100 years old

Entry Age: 14 days to 70 years old

Link to the product: A-Plus Health

Features

  • A comprehensive medical protection where your medical expenses were taken care of up to the age of 100 years old.
  • A health wallet where you will receive rewards for every year you go without making a claim. You will also receive some additional benefits illness prevention, extra coverage for 3 top critical illnesses, and medical equipment for mobility and hearing in case of disability.
  • You can also reduce your premium payments by choosing a deductible amount of RM300. This amount is, however, only available for In-Patient services.
  • There are also some Health Rewards which you will receive for staying healthy. These will include waivers on deductible amounts upon admission, upgrade to your room and board limit, or a boost to your Health Wallet.

A-Life Medik Famili

This medical plan is quite affordable and takes care of you and your family’s medical needs.

Coverage Period: Up to 100years old

Entry Age: 14days to 70 years old

Link to the product: A-Life Medik Famili

Features:

  • You can extend the coverage to your spouse and children with the Family Plan
  • You receive medical protection until you are 100 years
  • There is no set limit on how much you can claim in a lifetime
  • Any excess from the Takaful Risk Fund at the end of every year is shared equally with the eligible participants.

A-Plus Med Booster

This is a medical protection that compliments A-Plus Med and A-Life Med Regular to help boost your medical coverage.

Coverage Period: Up to 100 years old

Entry Age: 14 days to 70 years old

Link: A-Plus Med Booster

Features:

  • A high annual limit of medical protection of up to RM 1.5 Million.  
  • There is no limit to your lifetime claim.
  • There is an option of up to six medical plans to choose from.
  • In the first 10 years of your plan, your room and board limit may increase by 20% every two years.
  • You receive a double lifetime limit for outpatient cancer treatment and kidney dialysis of A-Plus Med and A-life Med Regular.
  • In case you get hospitalized or treatment in Singapore, you will receive reimbursement for the cost you incur while converting to local currency.
  • You also get reimbursement for your out-patient treatment for dengue fever.

A-Plus Med Booster-i(Takaful)

This health plan compliments A-Plus Med-i to increase your medical coverage.

Coverage Period: Up to 100 years old

Entry Age: 14 days-70 years old

Product link: A-Plus Med Booster-i

Features:

  • Has an annual high limit of up to RM 1.5 Million of medical protection.
  • Have six different medical options to choose from.
  • There is no lifetime claim limit.
  • For the first 10 years of your plan, your hospital room and board limit may increase for up to 20% every two years.
  • You also get a double lifetime limit for outpatient cancer treatment and kidney dialysis of A-Plus Med-i.
  • You will get reimbursement for your treatment of dengue fever.
  • In case you receive treatment or get hospitalized in Singapore, you shall receive reimbursement for the cost incurred in converting to local currency.   

A-Life Med Regular

This health plan has no lifetime limit and helps to cover you and your entire family’s medical needs.

Coverage Period: Up to 100 years old

Entry Age: 14 days-70 years old

Product Link: A-Life Med Regular

Features:

  • Life-long medical protection until you reaches the age of 100 years old.
  • There is no limit to how much you claim in a lifetime.
  • There is an option of three coverage plans to choose from according to your needs.
  • You will not pay for any portion of your treatment charges
  • You can also include your spouse and children to your plan.

A-Plus Med

This is a comprehensive health plan with an increasing annual limit.

Coverage Period: Up to 100 years

Entry Age: 14 days to 70 years old

Product Link: A-Plus Med

Features:

  • Medical protection until the age of 100 years.
  • Increasing the annual limit for the first 20 years of your plan every two years.
  • There is no limit to how much you claim in a lifetime.
  • Seven plans to choose from according to your needs.
  • You will not pay any part of your medical expenses.
  • You can include your children and spouse to your plan.

A-Plus Med-i (Takaful)

This is also a comprehensive medical plan that offers an increasing annual limit.

Coverage Period: Up to 100 years old

Entry Age: 14 days to 70 years Old

Product Link: A-Plus Med-i

Features:

  • Medical protection until you are 100 years old.
  • No limit to how much you can claim in a lifetime.
  • Increasing the annual limit for the first 20 years of your plan every two years.
  • Seven coverage plans to choose from according to your needs.
  • No co-takaful or deductible charges
  • A medical card that offers you easy admission to over 98 hospitals
  • You can also include your spouse and children to your plan

A-Plus HospitalIncome &A-Plus HospitalIncome Extra

This offers you financial support for the time you are hospitalized due to an illness or injury.

Coverage Period: Up to 100 years old

Entry Age: 14 days to 65 years old

Product Link: A-Plus HospitalIncome& A-Plus HospitalIncome Extra

Features:

  • In case you get hospitalized, you will receive a fixed daily income for up to 365 days to cater for your financial needs with A-Plus HospitalIncome.
  • If you are hospitalized due to a disability, A-Plus HospitalIncome Extra offers you a fixed daily income to cover for your stay in the hospital for up to 1000 days.
  • There are various daily income levels that you can choose from in accordance to your needs.
  • A-Plus HospitalIncome Extra also provides you with three times your daily income benefit if you get treatment in the Intensive Care Unit.

A-Plus HospitalIncome Extra-i(Takaful)

This product offers you financial support when you get hospitalized.

Coverage Period: Up to 100 years old

Entry Age: 14 days to 65 years old

Product link: A-Plus HospitalIncome Extra-i

Features:

  • You get a daily income for 1000 days to cover your hospital stay if your admission is due to disability.
  • There are various income options to choose from
  • You receive three times your daily income amount benefit if you require Intensive Care treatment.

A-Plus BabyCare

You can buy this add-on policy to increase your coverage during pregnancy and for your baby’s early years.

Coverage Period: Up to 5 years

Entry Age: ≤ 35 weeks of gestation

Product Link: A-Plus Baby Care

Features:

  • Provides cover if your baby gets admitted in the Neonatal Intensive Care Unit, ICU, or high dependency Unit.
  • It is the first product in Malaysia to provide coverage for Attention Deficit Hyperactivity Disorder and Autism Spectrum Disorder.
  • It also offers you coverage for pregnancy complications and loss of the baby while in the womb.

A-Plus BabyCare-i(Takaful)

This is the Takaful version of A-Plus BabyCare. It is an optional rider that you can buy to increase your coverage during pregnancy and early years of your child.

Coverage Period: Up to 5 years

Entry Age: ≤ 35 weeks of gestation

Product link: A-Plus BabyCare-i

Features:

  • Provides coverage for pregnancy complication and the ultimate loss of the baby before it’s born
  • Has a child care benefit which offers coverage if the baby is admitted in the Neonatal Intensive Care Unit, ICU, or High Dependency Unit.
  • It also provides coverage for Attention Deficit Hyperactivity Disorder and Autism Spectrum Disorder.
  • Any excess from the Takaful Risk Fund at the end of the year is shared equally with the eligible participants.

Summary

Just like other medical insurance plans, AIA medical does not cover certain medical conditions, often referred to as major exclusions. These are mainly pre-existing illness, cosmetic surgeries, or treatment certain illnesses within 120 days of the plan.

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