Underwritten by AIA Bhd.

AIA A-Life Med Regular

A standalone medical plan which takes care of you and your family for long term medical needs without lifetime limit. Simply present your medical card to avoid the hassle of lengthy hospital admissions.

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

Apply online now for AIA A-Life Med Regular

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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
  • Diagnostic Tests
    This covers the costs for X-rays, blood tests, and MRI scans when your symptoms are being diagnosed.
    As Charged
  • Room & Board
    For the nights that you spend in a hospital room instead of your own bed.
    from RM150 up to RM250per day up to 120 days
    • Specialist Consultation
      When your doctor recommends that you get the expert opinion of a specialist.
      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 Procedures
      For treatments and minor surgeries which don't require you to stay overnight at the hospital.
      As Charged
    • Surgeon Fees
      How much your medical card covers for surgical procedures, minor and major.
      As Charged
    • Anesthetist 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
    • Post Hospitalisation Treatment
      To help you recuperate after you've been discharged from the hospital.
      As Charged within 120 days after discharge
    • Outpatient Kidney Dialysis Treatment
      How much your insurer will cover for dialysis if you suffer kidney failure.
      from RM250000 up to RM375000per lifetime
    • Outpatient Cancer Treatment
      Inclusive of costs for chemotherapy and other treatments if you are diagnosed with cancer.
      from RM250000 up to RM375000per lifetime
    • Physiotherapy
      In case you need physiotherapy following injury or sickness, written recommendation from your doctor is required.
      from RM4000 up to RM8000per year, within 60 days from discharge
    • Organ Transplant
      Cost insured if you get an organ tranplant and surgery charges.
      As Charged
    • Accidental Injury and Medical Treatment
      Cover for emergency outpatient treatment 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 RM5000
    • Cash Allowance at Government Hospital
      Daily lump sum cash benefits for patients who spend the night at a government hospital.
      from RM100 per day up to 120 days per 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 RM130per day up to 120 days per year
    • Home Nursing Care
      How much you're allowed to claim for home nursing care due to sickness or injury.
      from RM3000 up to RM5000per confinement up to 180 days per life
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 medical plan from AIA.

    Suggested PremiumRM691
    Get Quote
  • School Teacher

    Encik Haris is in his mid-40. He wants an mid-range AIA medical plan.

    Suggested PremiumRM1247
    Get Quote
  • Family

    Olga is turning 35 soon and she has just got a baby boy. Safety and well-being of her family is definitely her priority now.

    Suggested PremiumRM2451
    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.

Suggested Premium is inclusive of 6% GST

How to Claim

Generally, you will need to complete the claim form to make a claim. The forms are available online via AIA official website or at any AIA branches. Alternatively, you can contact AIA contact center at 1300 88 1899 to assist you on the claims.

You will receive the claim status via SMS or you can check the updated status online at AA @ MyService.

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

Panel Hospitals

Find a hospital or clinic near you!


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

Things you might want to know

What is AIA A-Life Med Regular all about?

The AIA A-Life Med Regular is a standalone medical insurance plan which covers you up to 100 years of age for hospital and surgical expenses, with no lifetime limit or co-insurance.

You'll get a medical card with your policy to allow for fast and hassle-free hospital admissions and discharge at AIA panel hospitals - because the last thing you want to do is fill-up pages upon pages of documents!

Tell me more about the additional benefits?

There'll be no co-insurance or deductible with your AIA A-Life Med Regular! Your hospital bills will be paid in full, without any sneaky out-of-pocket charges. However, your insurance pay-outs will be subjected to your annual limit.

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

Will AIA pay for overseas hospital bills?

There's no doubt about it! With the Referral Emergency Assistance (REA) Programme, you'll get emergency evacuation and repatriation back to Malaysia if you fall ill while abroad. That means if you get seriously sick while on holiday, AIA can pay for your immediate flight back home!

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 hospitalisation benefits for kidney dialysis treatment, physiotherapy, organ transplant, as well as accidental injury and medical treatment.

Who's eligible for this AIA medical insurance card?

You can 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 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 plan can qualify you for a personal income tax relief of up to RM3,000.

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