What does “medically necessary” mean?

“Medically Necessary” is defined in the policy contracts/certificate documents of the respective medical plans. Please refer to the respective policy contract/certificate documents for the complete definition

What does “Reasonable and Customary Charges” mean?

Briefly explained, Reasonable and Customary Charges refer to charges for medical care which are medically necessary. Charges shall be considered reasonable and customary to the extent that it does not exceed the general level of charges being made by other medical providers of similar standing within Malaysia. For the complete definition of “Reasonable and Customary Charges” please refer to the respective policy contract/certificate documents.

Will Guarantee Letter be issued in the event of an admission due to COVID-19?

Yes, guarantee letter for hospitalization will be issued if the admission takes place at any of AIA Panel Hospital. This Guarantee Letter facility shall only be applicable for cashless medical plan. For non-cashless medical plan, the admission would be on a reimbursement basis. AIA will assess the Pre-Admission form together with the supporting documents/reports such as blood tests, imaging reports and etc. to determine if the claim falls under the “medically necessary” clause and other terms and conditions as defined in the policy / certificate. The issuance of guarantee letter facility would be available from 13th September 2021 to 31st December 2021 (Please refer to the Agency Circular 008/09/2021/AHS/CIR: COVID-19 Medical Coverage for AIA Individual Customers).

Is Guarantee Letter facility permanent for admission due to COVID-19?

No, the issuance of Guarantee Letter facility is only applicable from 13th September 2021 to 31st December 2021 only and any further extension to the said period would be subject to AIA’s sole discretion.

If I am diagnosed with COVID-19 and admitted into a hospital overseas, can I make a claim under reimbursement basis?

You are entitled to claim based on reimbursement if your medical plan does not have the clause that excludes coverage for communicable diseases that require quarantine by law. The amount of reimbursement is based on Reasonable and Customary Charges. The Residence Overseas clause still applies.

I just bought / participate in a new medical policy/ certificate. Is there a waiting period for COVID-19 coverage?

Your medical coverage on COVID-19 is still subject to a Waiting Period as defined in your policy/certificate. For the on-shelf medical plans, the Waiting Period is 30 days. Other terms and conditions apply.

Is hospitalisation or death resulting from complication due to COVID-19 vaccination covered?

All AIA medical plans will cover medical treatments for any complications or side effects which requires hospital admission after taking the approved COVID-19 vaccine, subject to the benefits’ limits and terms and conditions of the policy or certificate.

What documents are required for reimbursement of claims submission for COVID-19 hospitalisation? (For example, admission to a non-panel hospital or for non-cashless medical plans)

The documents required are as follows: i. Hospitalization Claim Form (Individual) ii. Original Hospital invoice, itemized bills and payment receipts iii. All Imaging and laboratory reports such as x-rays and blood test results e.g. COVID-19 RT PCR test results, Chest X-ray & etc. Failure to submit complete documentation will result in the claim being delayed or declined. Please submit all documents to the branch. Kindly note that the list of documents above may be revised as and when required.

COVID-19 保险范围友邦保险

友邦保险已发出通知，通知其在COVID-19上进行保险，对于被诊断出感染了病毒且需要住院治疗的客户，友邦保险将延长为患者提供担保信（GL）设施。

此 GL 服务为个人医疗保单/证书持有人提供，其 COVID-19 保险范围受保单条款和条件的约束。此外，此优惠仅有效期为 2021 年 9 月 13 日至 2021 年 12 月 31 日，仅适用于 2021 年 9 月 13 日起的住院治疗。

友邦保险医疗计划覆盖住院由于COVID-19

友邦保险所有在职医疗计划（如下文所述）均提供COVID-19住院保险，因为这些医疗计划没有排除需要法律隔离的传染病的保险条款。

除上述情况外，还有一些撤回的医疗计划，为COVID-19住院提供保险，请与我们联系，了解更多有关此的信息。

更多关于友邦保险住院福利COVID-19

“医学上必要”是什么意思？

“医疗必要性”在各自医疗计划的政策合同/证书文件中定义。
请参阅相应的政策合同/证书文件，以获得完整的定义

“合理和习惯性收费”是什么意思？

简言之，合理和习惯性收费是指医疗上必要的医疗费用。收费应被视为合理和习惯的，只要不超过马来西亚境内其他具有类似地位的医疗机构的一般收费水平。

关于”合理和习惯性收费”的完整定义，请参阅相应的政策合同/证书文件。

如果 COVID-19 的录取，是否会发出保证书？

是的，如果入院地点在友邦保险小组医院，将发出住院保证书。本担保信设施仅适用于无现金医疗计划。对于非现金医疗计划，入院将按报销方式进行。

友邦保险将评估入院前表格以及支持文件/报告，如验血、成像报告等，以确定索赔是否属于政策/证书中定义的”医疗必要”条款和其他条款和条件。

担保函的发放将于2021^年9月13日至2021年12月31^日提供（请参阅机构通知008/09/2021/AHS/CIR：友邦保险个人客户COVID-19医疗保险）。

由于 COVID-19，保证函设施是否永久允许进入？

不，担保信的发放只适用于2021年9月13^日至 2021年12月31^日，任何进一步延长担保书期限的期限均需由友邦保险自行决定。

如果我被诊断为COVID-19，并住进海外医院，我可以在报销的基础上提出索赔吗？

如果您的医疗计划没有排除需要法律隔离的传染病保险的条款，您有权根据报销要求提出索赔。报销金额基于合理和习惯费用。海外居留条款仍然适用。

我刚买了/参加了一个新的医疗政策/证书。 COVID-19 报道是否有等待期？

您在 COVID-19 上的医疗保险仍受保单/证书中定义的等待期的约束。对于现成的医疗计划，等待期为30天。其他条款和条件适用。

是否涵盖因 COVID-19 疫苗接种引起的并发症导致的住院或死亡？

所有友邦保险医疗计划将涵盖任何并发症或副作用的医疗，这些并发症或副作用需要在接种经批准的COVID-19疫苗后住院，但须遵守政策或证书的福利限制和条款和条件。

对于 COVID-19 住院申请的报销，需要哪些文件？（例如，入住非小组医院或非现金医疗计划）

所需的文件如下：
我。住院索赔表（个人）
第二。医院发票原件、明细账单和付款收据
第三。所有成像和实验室报告，如X光和血液测试结果，如COVID-19 RT PCR测试结果，胸部X射线等。

如果不能提交完整的文件，索赔将被推迟或拒绝。
请向分支机构提交所有文件。请注意，上述文件列表可在需要时进行修订。

Contact Insurance Agent for Best Insurance Proposals in Malaysia

Levine Lee has over 18 years of working experience with AIA and ING Insurance as an AIA life insurance agent and life planner. Jeffrey Teoh has over 10 years of distinguished working experience with the best group insurance company in Malaysia, including Allianz. And Colin Chow is a trusted Great Eastern insurance agent with over 13 years of experience in the industry.

Levine and her team can work with you to create the best insurance proposal and quotations to meet your needs and budget plans within Malaysia. The team can get you quotations from various Insurance Companies in Malaysia for your personal, life, general, group, and business insurance needs.

COVID-19 保险范围友邦保险

友邦保险为个人客户提供COVID-19医疗保障

友邦保险医疗计划覆盖住院由于COVID-19

更多关于友邦保险住院福利COVID-19

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