Underwritten by AIA Bhd.

AIA A-Plus Health Medical Card

Get complete health protection with the best medical card, AIA A-Plus Health! Besides offering coverages for medical costs and giving reimbursement, this AIA medical card also gives you additional benefits, such as room and board limit upgrade.

    • Deductible Up To RM300
    • Investment-Linked Policy
    • Hospital Accommodation Up To 150 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-Plus Health 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 RM500000 up to RM2000000
  • Lifetime Limit
    Know your lifetime limit, your medical card expires if you reached this amount.
    No Limit
  • 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 RM500up to 150 days per disability
    • 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.
      As Charged
    • Intensive Care Unit (ICU)
      Worsening conditions may require critical care in the specialised hospital ward.
      As Charged
    • 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 max 2 visits per day
    • Post-Hospitalisation Treatment
      This covers your follow up treatment after your discharge from hospital or day care surgery.
      As Charged within 150 days after discharge
    • Outpatient Kidney Dialysis Treatment
      Charges covered for consultation, examination tests and prescribed drugs if you are diagnosed with kidney failure.
      As Charged for Plan 150 up to RM1,000,000 per lifetime
    • Outpatient Cancer Treatment
      Charges covered for consultation, examination tests and prescribed drugs if you are diagnosed with cancer.
      As Charged for Plan 150 up to RM1,000,000 per lifetime
    • Outpatient Stroke Treatment
      Treatment benefit for stroke patients, not inclusive of physiotherapy and nursing care.
    • Emergency Accidental Outpatient Treatment
      Cover for emergency outpatient treatment and follow up due to an accident.
      As Charged
    • Pregnancy Complication
      Extra cover for medical cost resulting from complications during pregnancy.
      up to RM10000 per lifetime
    • 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.
      As Charged
    • Insured Child Guardian Benefit
      Reimbursement of expenses for parents or guardians of children who are admitted into the hospital ward.
      As Charged
    • Home Nursing Care
      How much you're allowed to claim for care from a government-licensed nurse at your home.
      from RM3000 up to RM10000up to 180 days per lifetime
    • Intraocular Lens
      Coverage limit for eye corrective surgery to treat cataracts or myopia.
      up to RM7000 per lifetime
    • Traditional Medical Treatment
      Charges for treatments such as chiropractic, chiropody, homeopathy, osteopathy and acupuncture after discharge from hospital.
      As Charged within 150 days after hospitalisation
    • Cosmetic Treatment
      For skin grafts or reconstructions due to an accident or disease.
      As Charged subject to the plan and total amount in the Health Wallet
View more coverage details +


How much your premiums may cost

  • Fresh Graduate

    As a fresh graduate at 22 years of age, Khadija would like to have basic health protection. Although she has a secure job as a clerk with a low salary, she realises getting a medical card is important. She gets RM500,000 annual limit.

    Suggested PremiumRM150.00
    Get Quote
  • Office Admin

    Anna's family has a history of cancer. At 28, she would like to have her out-patient cancer treatment and recovery to be covered. She wants to invest in her health with an affordable premium that offers RM1,500,000 annual limit. 

    Suggested PremiumRM200.00
    Get Quote
  • Family

    Patrick is a 40 years old businessman and often travel overseas. He opts for Plan 500 with a total annual limit of RM2,000,000 to make sure his family is financially secure if something happens to him.

    Suggested PremiumRM500.00
    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
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 99 years of age
Coverage Expiry Age
At most 100 years of age

Frequently Asked Questions about AIA A-Plus Health Medical Card

Things you might want to know

What makes  AIA A-Plus Health different from other medical cards?

Imagine staying healthy and get rewarded! In most cases, people get a medical card to protect them financially when they get hospitalised or sick. 

But what if they stay healthy and don't make any claim for years? Some of them start to question themselves why paying for a medical card every month. 

However, AIA A-Plus Health recognises your effort to stay healthy and will reward you for that! 

Linked to  AIA Vitality, with this AIA medical card you'll enjoy Health Rewards such as up to 100% deductible waiver, hospital room and board benefit upgrade, and annual Health Wallet booster. 

Am I eligible to buy this AIA medical card?

Any individual between 14 days to 70 years of age is eligible to buy this AIA medical card. 

If you're expecting a child, you can also sign your child up for  AIA A-Plus Health card 30 days before the labour day. This AIA medical card gives comprehensive medical protection up to age 100. 

Can I use this AIA medical card while overseas?

Yes, you can! You can opt to have any medical treatment overseas, with coverage accordance with the Reasonable and Customary and Medical Necessary Charges equivalent of local treatment. 

However, you won't get this benefit if you're residing or traveling overseas for more than 90 consecutive days (except for Singapore and Brunei).

Foreigners and non-residents, your AIA A-Plus Health coverage is valid for hospitalisation within Malaysia, unless it's a medical emergency when you're overseas.

More benefits with AIA Health Wallet

If you don't make any claim in a year, AIA A-Plus Health will reward you with the amount depending on the plan you select. 

The amount will be credited to your Health Wallet, with a maximum of 10 times (10 years). 

You can use the Health Wallet for health screenings, vaccinations, recovery care, mobility and hearing expenses, even cosmetic surgery due to an accident.

Other things that you can do the Health Wallet are extending your coverage beyond your annual limit, boosting your death coverage and get covered for mobility and hearing expenses. 

Kindly take note that you can't withdraw the fund from your Health Wallet.

The medical card without a lifetime limit

Exceeding your annual limit? Don't worry! With AIA A-Plus Health, your annual limit will be reset every year. 

Depending on the plan that you choose, you can enjoy an annual limit from RM500,000 to RM2,000,000.

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