AIA Medical Card Insurance Policy

Age new born baby 14 days to last entry age of 69 years old, Malaysian and Non Malaysian and dependents with working permit.

Yes, you may, health declaration is required.

No, a pre-entry medical examination is not required. However, if any of your answer to the underwriting questionnaires form stated as is “YES”, we may request a medical report from you. The cost of obtaining this medical report will be borne by you.

Your policy will be effective from the date we approve your proposal and receipt of your full premium payment.

Yes, there is 30 days waiting period except for admission to hospital due to an accident.

No benefits shall be payable for hospitalization, surgery and/or charges incurred which are caused directly by Specified Illnesses and its related complications. This shall mean the following Specified Illnesses occurring within the first 120 days of Insurance for the Insured Person.

1. Hypertension, diabetes mellitus and cardiovascular disease
2. All tumors, cancers, cysts, nodules, polyps, stones of the urinary system and biliary system.
3. All ear, nose and throat conditions.
4. Hernias, haemorrhoids, fistulae, hydrocoele, varicocele.
5. Endometriosis including disease of the reproduction system.
6. Vertebro-spinal disorders (including disc) and knee conditions.

These are disabilities that the Insured Person has reasonable knowledge of. An Insured Person may be considered to have reasonable knowledge of a pre-existing condition where they are receiving treatment, are have received treatment or advice and its existence would be apparent to a reasonable person.

No, making claim will not be affecting the policy renewal premium. Your renewal premium shall be based on published age-band.

Should you reside outside Malaysia for more than 90 days, the policy will cease to be in effect.

Yes, it is cashless admission after obtaining guarantee letter (GL).

No, the co-payment clause is waived. However, any uncovered items, deductible amount, and amount in excess of your yearly limit will be borne by you.

For medical insurance hospital admissions at non-panels, you should first pay for the bill on your own and then submit your claim to us for reimbursement, medical reports on the diagnosis and claim form filled by doctors are required. Doctor will charge to fill up claim form, it is self pay.

Yes, Most of the hospitals in Malaysia has policy that requires a cash deposit upon admission. It is refundable upon discharge from hospital after deducting non-coverable items (if any).

AIA can consider your application subject to underwriting terms and conditons.

You are allow to buy individual policy under a company name, Sales & Service Tax (SST) 6% will be imposed and stamp duty RM10 per policy.

You are allowed to claim tax relief.

Yes you can.

21 working days