Underwritten by AIA Bhd.

AIA A-Plus Med Medical Card

Have all your medical bills covered until you reach the ripe old age of 100! Enjoy additional 5% on your annual limit every 2 years when you don't make a claim!

    • 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-Plus Med 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 RM75000 up to RM260000
  • Lifetime Limit
    Know your lifetime limit, your medical card expires if you reached this amount.
    No Limit except for Plan 100 with RM200000 lifetime 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 RM100 up to RM500per day up to 120 days
    • 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 per day up to 120 days
    • 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 per 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 hospitalisation
    • Outpatient Kidney Dialysis Treatment
      Charges covered for consultation, examination tests and prescribed drugs if you are diagnosed with kidney failure.
      from RM75000 up to RM650000per lifetime
    • Physiotherapy
      In case you need physiotherapy following injury or sickness, written recommendation from your doctor is required.
      from RM2000 up to RM14000within 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 RM1500 up to RM5000
    • Medical Evacuation and Repatriation
      Amount covered for treatment requiring medical evacuation or repatriation to Malaysia.
      As Charged per admission, up to USD 1 million
    • Emergency Dental Treatment
      Emergency benefit for dental-related surgery and treatment due to accident.
      up to RM10000
    • Cash Allowance at Government Hospital
      Daily lump sum cash benefits for patients who spend the night at a government hospital.
      from RM50 up to RM200per 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 RM60 up to RM280per day up to 120 days per 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 RM10000per confinement up to 180 days per life, not included in Plan 100
View more coverage details +


How much your premiums may cost

  • Fresh Graduate

    Jess is a 22 years old fresh graduate who's looking for a basic AIA medical insurance.

    Suggested PremiumRM430.00
    Get Quote
  • Homemaker

    Madam W is a housewife who is turning 35 soon. She's looking for affordable medical plan from AIA. 

    Suggested PremiumRM981.00
    Get Quote
  • Family

    Han is a breadwinner who just turned 45. He wants to buy a medical card for his family with great coverage. 

    Suggested PremiumRM5111.00
    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

First of all, you need to complete the claim forms as the e-claim forms are available online at AIA @ MyService. Alternatively, you can visit any AIA branches or contact AIA customer care line at 1300 88 1899 to assist you on the claims. 

For the claim status, AIA will send SMS to the mobile number provided in the submitted claim forms. You can also refer to your claim status from AIA @ MyService.

Medical Assistance Hotline & Services
 60320561111 Referral Emergency Assistance Programme
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

Frequently Asked Questions about AIA A-Plus Med Medical Card

Things you might want to know

What's the AIA A-Plus Med all about?

This is an AIA medical insurance package with comes with complete with a free medical card that'll have you and your family financially protected against exorbitant hospital fees for illnesses and injuries such as cancer and kidney dialysis treatment. 

You have a lifetime coverage up until the tender age of 100 with no-insurance or co-takaful requirements. Just 'swipe' and get admitted to your preferred AIA panel hospital! Plus, enjoy local and international medical assistance with the Referral Emergency Assistance (REA) Programme from AIA.

What's great about this AIA medical insurance?

Enjoy an increasing Annual Limit of 5% of your annual limit every 2 years starting from your 3rd policy years - this privilege will continue on for another 20 years! You will receive this benefit if there's no claim or claims that totalling to an amount less than RM5,000 for the previous 2 policy years. Bear in mind that this annual limit increase will only be available for hospital room and board coverage of RM150 and above.

You mentioned no co-insurance or deductible charges?

Yes, there will be no co-insurance and deductible fees with the AIA A-Plus Med. A-Plus Med pays your medical treatment in full without having to pay co-insurance or deductible charges for your medical bills. This is good news - do you know how expensive specialist doctors and surgeons are these days? 

Does that mean I get free hospital admissions?

A-Plus Med provides you with hassle-free admission at all AIA panel hospitals in Malaysia. A medical card will be given to you to ease the process for hospital admission and discharge.

Can I enrol my whole family under this medical insurance plan?

You can choose to protect your spouse and your children under one AIA A-Plus Med medical insurance plan. A maximum of 4 children is allowed per each family plan coverage.

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