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!

AIA A-Plus Med Medical CardNo Lifetime Limit
Annual Limit
up to RM260k
Lifetime Limit
No limit
Room & Board
up to RM500
Coverage Age
14 days - 70 years
No. of Panel Hospitals
Investment-Linked Plan

Get a FREE
RM100 Lazada e-Voucher
worth RM100
when you apply through RinggitPlus1

RM100 Lazada e-Voucher


How much you can claim for hospital bills

Annual Limit
from RM75k up to RM260k
Lifetime Limit
No limitexcept for Plan 100 with RM200000 lifetime limit
Pre-Hospitalisation Diagnostic Tests
As charged 
Room & Board
from RM100 up to RM500per day up to 120 days
Surgical Fees
As charged 
Pre-Hospitalisation Consultation
As charged 
Medication and Treatment
up to RM300per disability
Intensive Care Unit (ICU)
As charged per day up to 120 days
Hospital Services and Supplies
As charged 
Day Care Surgery
As charged 
Anaesthetist Fees
As charged 
Operating Theatre Fees
As charged 
In-Hospital Physician Visits
As charged up to 240 visits per year
Post-Hospitalisation Treatment
As charged within 120 days after hospitalisation
Outpatient Kidney Dialysis Treatment
from RM75k up to RM650kper lifetime
from RM2k up to RM14kwithin 60 days from discharge
Organ Transplant
As charged 
Emergency Accidental Outpatient Treatment
from RM1.5k up to RM5k
Medical Evacuation and Repatriation
As charged per admission, up to USD 1 million
Emergency Dental Treatment
up to RM10k
Cash Allowance at Government Hospital
from RM50 up to RM200per day up to 120 days per year
Insured Child Guardian Benefit
from RM60 up to RM280per day up to 120 days per year
Home Nursing Care
from RM3k up to RM10kper confinement up to 180 days per life, not included in Plan 100


Additional benefits with this insurance

15 days cancellation refund
Hospital Accommodation
Up to 120 days

How to Claim

Who do I contact if I have a question or emergency?

Medical Assistance Hotline & Services
  • Referral Emergency Assistance Programme

    Call 60320561111
AIA Customer Care Hotline

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.


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

More Information

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 enroll 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.