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AIA 39 Critical Illnesses Insurance Plans Malaysia

Influenza A Insurance Coverage

For the Influenza A and Influenza like illnesses (ILI), these are covered by AIA medical insurance per the terms of the plan bought by the policyholder. It is considered as a hospitalization medical insurance. For more information:

  • Influenza A Outbreak in Malaysia 2020 details
  • Medical Insurance plan in Malaysia for Individuals
  • Group medical insurance plans in Malaysia for employees
  • Takaful medical insurance plans for individuals and families

This Critical Illness Insurance Plans Covers:

  • This critical care illness insurance plans covers 39 critical illnesses in Malaysia. 
  • This plan covers up to the age of 70 years old.
  • This insurance pays out on diagnosis of the listed disease.
    • And if you survive at least 15 days from diagnosis date or the covered surgery
  • A lump sum payment is paid for 100% of covered amount with an exception.
    • The exception is for Angioplasty and Invasive treatments for Coronary Artery Disease.
    • 10% of amount covered will be paid subject to a maximum of RM25,000 one time payment.
    • The plan coverage amount will be reduced by the amount paid out.

AIA Medical Insurance Card Malaysia

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AIA Medical Insurance Card Malaysia

This is a medical insurance plan from AIA Insurance.

    • A-Life Med Regular provides you the medical coverage up to the age 100.
    • A-Life Med Regular pays your medical claim in full, without imposing any co-insurance or deductible charges.
    • You can be the policy owner for your spouse and children to register for medical insurance
    • You can get income tax relief with this medical card up to RM3,000

You can use these Proceeds to Cover:

  • Living expenses
  • Top up medical expenses
  • Pass on to your beneficiary to use.

The Qualification to get this Plan is:

  • Malaysians between the age of 16 to 55.
  • Subject to underwriting requirements.
    • Inform us of all facts to your medical conditions
    • State your age correctly
  • Exclusions
    • The illness appears during the waiting period
    • Illness comes from pre-existing condition

AIA 39 Critical Illness Plans Waiting Periods

  • 60 Days Waiting Period
    • Cancer
    • Heart Attack
    • Coronary Artery Bypass Surgery
    • Serious Coronary Artery Disease
    • Angioplasty
    • Other Invasive Treatments for Coronary Artery Disease
  • 30 Days Waiting Period
    • The rest of the critical illnesses on the list below

The Critical Illness Plan Coverage Amounts are:

  • RM50,000
  • RM100,000
  • RM150,000
  • RM200,000
  • RM250,000

AIA Critical Illness Plan Cost

  • AIA has a range of low to high premiums to cover the cost of this insurance. 
  • You can customize it to fit your budget for your family. 

How to get protected?

By opting for Life Insurance, you can gain protection against unforeseen events such as early death, disability or critical illnesses.  

There are many types of insurance products that you may consider, depending on your circumstances.

  • Life insurance coverage will offer financial support to your dependents if you die suddenly.
  • Critical illness protection coverage will support you if you are diagnosed with a severe disease type as shown in our Critical Care Diseases list below.

AIA 39 Critical Illness List

AIA previously had 36 illnesses listed for Critical Illness Insurance. Today, AIA covers for 39 critical illnesses, as listed below.

Kidneys

  1. Medullary Cystic Disease
  2. Kidney Failure

Liver

  1. End Stage Liver Failure
  2. Fulminant Viral Hepatitis

Bone Marrow

  1. Aplastic Anaemia
  2. Major Organ/Bone Marrow Transplant

Brain and Nervous System

  1. Stroke
  2. Alzheimer’s Disease / Severe Dementia
  3. Parkinson’s Disease
  4. Benign Brain Tumor
  5. Brain Surgery
  6. Bacterial Meningitis
  7. Encephalitis

Loss of Body Senses or Muscle Functions

  1. Blindness
  2. Loss Of Speech
  3. Loss of Hearing or Deafness
  4. Paralysis of Limbs
  5. Muscular Dystrophy
  6. Multiple Sclerosis
  7. Motor Neuron Disease
  8. Loss of Independent Existence

Medical Conditions due to Accidents

  1. Head Trauma
  2. Major Burns

HIV Infection and AIDS

  1. AIDS
  2. HIV Infection Due To Blood Transfusion
  3. Occupationally Acquired HIV Infection

Heart and Blood System

  1. Primary Pulmonary Arterial Hypertension
  2. Surgery to Aorta
  3. Heart Valve Surgery
  4. Cardiomyopathy
  5. Heart Attack
  6. Angioplasty
  7. Serious Coronary Artery Disease
  8. Coronary Artery Bypass Surgery

Other Severe Diseases

  1. Coma
  2. Terminal Illness
  3. Cancer of Specified Severity and Not Covering Very Early Stage Cancer
  4. End Stage Lung Disease
  5. Systemic Lupus Erythematosus with Severe Kidney Complications

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