Underwritten by AIA Bhd.

AIA A-Life Med Regular Medical Card

An essential medical card with ZERO co-insurance charges and no lifetime limit to protect your loved ones. Apply online today for a standalone medical plan or upgrade to a comprehensive family protection plan!

    • Hospital Accommodation Up To 120 Days
    • 15-Day Cancellation Refund

Life's Too Short to Pay the Wrong Insurance. Get Free Consultation Now!

Life's Too Short to Pay the Wrong Insurance. Get Free Consultation Now!

Apply online now for AIA A-Life Med Regular Medical Card

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How much you can claim for hospital bills

  • Annual Limit
    The claims on your medical card cannot exceed this amount in a single policy year.
    from RM100000 up to RM150000
  • Lifetime Limit
    Know your lifetime limit, your medical card expires if you reached this amount.
    Not Applicable
  • Pre-Hospitalisation Diagnostic Tests
    This covers the costs incurred for diagnostic X-ray, laboratory examination and scans.
    As Charged
  • Room & Board
    For the days that you spend in a hospital room instead of your own bed.
    from RM150 up to RM250up to 120 days locally and 120 days while overseas per policy year
    • Pre-Hospitalisation Consultation
      What's covered for medical consultation prior to hospitalisation or day care.
      As Charged
    • Medication and Treatment
      Charges for the medicine and therapy that go towards helping you feel 100% again.
      up to RM300 per disability
    • Intensive Care Unit (ICU)
      Worsening conditions may require critical care in the specialised hospital ward.
      As Charged up to 120 days a year
    • Hospital Services and Supplies
      Charges for the sterilised bandages, intravenous drips, blood packs and other services while hospitalised.
      As Charged
    • Day Care Surgery
      For treatments and minor surgeries which don't require you to stay overnight at the hospital.
      As Charged
    • Surgical Fees
      How much your medical card covers for surgical procedures, minor and major.
      As Charged
    • Anaesthetist Fees
      Some surgeries require the use of anaesthetic drugs to put you to sleep before the procedure.
      As Charged
    • Operating Theatre Fees
      All the costs involved for use and set up of the operating room for your surgery.
      As Charged
    • In-Hospital Physician Visits
      This is the limit for the visits from the hospital doctors that are covered by your medical plan.
      As Charged up to 240 visits a year
    • Post-Hospitalisation Treatment
      This covers your follow up treatment after your discharge from hospital or day care surgery.
      As Charged within 120 days after discharge
    • Outpatient Kidney Dialysis Treatment
      Charges covered for consultation, examination tests and prescribed drugs if you are diagnosed with kidney failure.
      from RM250000 up to RM375000per lifetime, shared limit with Outpatient Cancer Treatment
    • Outpatient Cancer Treatment
      Charges covered for consultation, examination tests and prescribed drugs if you are diagnosed with cancer.
      from RM250000 up to RM375000per lifetime, shared limit with Outpatient Kidney Dialysis Treatment
    • Physiotherapy
      In case you need physiotherapy following injury or sickness, written recommendation from your doctor is required.
      from RM4000 up to RM8000a year, within 60 days from discharge
    • Organ Transplant
      Cost insured if you get an organ tranplant and surgery charges.
      As Charged
    • Emergency Accidental Outpatient Treatment
      Cover for emergency outpatient treatment and follow up due to an accident.
      from RM2000 up to RM3000per accident
    • Medical Evacuation and Repatriation
      Amount covered for treatment requiring medical evacuation or repatriation to Malaysia.
      As Charged per event, up to USD 1 million
    • Emergency Dental Treatment
      Emergency benefit for dental-related surgery and treatment due to accident.
      from RM3000 up to RM5000per accident
    • Cash Allowance at Government Hospital
      Daily lump sum cash benefits for patients who spend the night at a government hospital.
      RM100each day, up to 120 days a year
    • Insured Child Guardian Benefit
      Reimbursement of expenses for parents or guardians of children who are admitted into the hospital ward.
      from RM90 up to RM130each day, up to 120 days a year
    • Home Nursing Care
      How much you're allowed to claim for care from a government-licensed nurse at your home.
      from RM3000 up to RM5000per confinement, up to 180 days a lifetime
View more coverage details +


How much your premiums may cost

  • Budget Planner

    Keith is turning 27 years old soon. He's on tight budget and looking for a basic AIA medical card.

    Suggested PremiumRM728.00
    Get Quote
  • School Teacher

    Encik Haris is in his mid-40s. He wants an mid-range medical coverage without an add-on rider. 

    Suggested PremiumRM1248.00
    Get Quote
  • Family

    Age 35 and starting a family with her husband, Farah's number 1 priority is the safety and well-being of her family.

    Suggested PremiumRM5401.00
    Get Quote

Actual premium rates will be determined by AIA Bhd. and may vary from what is suggested based on age, sex, occupation, lifestyle habits and other factors.

How to Claim

Just swipe your medical card at any AIA panel hospital near you for easy and convenient admission.

Once you've been treated and well on your way to recovery, download and fill up the claims form on AIA official website or visit an AIA branch. Alternatively, you can contact AIA customer care hotline to help with your claims.

Get updates on your claim status via SMS or check online at AIA @MyService.

Medical Assistance Hotline & Services
 60321665421 24-hour worldwide assistance services
AIA Customer Care Hotline


Am I eligible to apply for this insurance?

Minimum Entry Age
At least 14 days of age
Maximum Entry Age
At most 70 years of age
Maximum Renewal Age
At most 100 years of age

Frequently Asked Questions about AIA A-Life Med Regular Medical Card

Things you might want to know

What is AIA A-Life Med Regular all about?

AIA A-Life Med Regular is a standalone medical insurance policy that provides comprehensive medical coverage and easy access at AIA panel hospitals across Malaysia.

Stay insured through the best years of life with renewals till 100 years of age and no lifetime limit, or worry about any co-insurance payments when you make a claim - there aren't any!

Tell me more about the additional benefits?

There are no co-insurance payments or deductibles with AIA A-Life Med Regular so your claimable hospital charges will be paid in full, without any sneaky out-of-pocket charges. However, all medical benefit pay-outs are subject to your annual limit.

On the subject of limits, while you may have an annual limit, there will be no lifetime limit with this AIA medical insurance card. Rest assured that your family's medical essentials will be taken cared of, for life.

Will AIA pay for overseas hospital bills?

Enjoy worldwide cover for up to 90 days for travel outside of Malaysia, Singapore and Brunei because overseas hospital room and board is covered under this medical plan.

There's also the Travel Assistance Programme that'll help you with your holiday arrangements by providing you with important need-to-knows about your passport, visa, vaccination requirements, and help you to relay messages to your family during an emergency.

Does this plan provide outpatient benefits?

Yes, you'll receive outpatient benefits for kidney dialysis and cancer treatment, as well as emergency accidental outpatient treatment and dental.

Who's eligible for this AIA medical insurance card?

Insure your child as soon as they're 14 days old with the AIA A-Life Med Regular. For adults, anyone below the age of 70 can sign-up for for this comprehensive insurance package.

You can renew your medical insurance policy as long as you're below the age of 100 - that's a mighty long time as far as insurance coverage goes!

Can I include my family members in my policy?

Yes, AIA will allow you to do so. You can choose to extend your policy coverage to your immediate family members - that includes your spouse and children. Each AIA A-Life Med Regular family plan allows for a maximum of 4 children to be protected.

How much is the insurance premium?

 Your premium payments will depend on your age, gender, occupation risk class and type of plans. If your premium is set to change within your policy period, AIA will send a written notice 3 months prior to inform you of the revision in price.

Am I eligible for income tax relief? 

Again, a resounding yes! The premiums paid for this medical insurance policy can qualify you for a personal income tax relief of up to RM3,000.

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