A-PLUS HEALTH 2

AIA Bhd. · Medical rider on investment-linked policy · 2 tiers · verified 24 Aug 2026

Tier	Annual limit	Lifetime	Room & board	Deductible	Co-ins.	Co-pay	ICU	Day surg.	Renewable	Entry age
Plan 200	RM 1,500,000annual limit	Unlimited	RM 200	RM 500	20%	RM500 deductible per any one disability (in-patient items 1-3) with SMART Option; plus 20% coinsurance up to RM20,000 per disability (items 1-5, 7) if no GP referral, no specialist consultation, or treatment not via SMART Medical Practitioner at SMART Panel Provider; deductible/coinsurance not applied to emergency treatment incl. accidents, post-hospitalisation cancer & kidney dialysis treatment, or Government healthcare facility treatment; brochure (0626) shows alternative Cost Saving Option of RM20,000 deductible per year with auto conversion to RM500 per disability at age 60	Yes	Yes	Yes	0–70
Plan 300	RM 1,700,000annual limit	Unlimited	RM 300	RM 500	20%	RM500 deductible per any one disability (in-patient items 1-3) with SMART Option; plus 20% coinsurance up to RM20,000 per disability (items 1-5, 7) if no GP referral, no specialist consultation, or treatment not via SMART Medical Practitioner at SMART Panel Provider; deductible/coinsurance not applied to emergency treatment incl. accidents, post-hospitalisation cancer & kidney dialysis treatment, or Government healthcare facility treatment; brochure (0626) shows alternative Cost Saving Option of RM20,000 deductible per year with auto conversion to RM500 per disability at age 60	Yes	Yes	Yes	0–70

Plan 200 RM 1,500,000 annual limit

LIFETIME: Unlimited
ROOM & BOARD: RM 200
DEDUCTIBLE: RM 500
CO-INS.: 20%
CO-PAY: RM500 deductible per any one disability (in-patient items 1-3) with SMART Option; plus 20% coinsurance up to RM20,000 per disability (items 1-5, 7) if no GP referral, no specialist consultation, or treatment not via SMART Medical Practitioner at SMART Panel Provider; deductible/coinsurance not applied to emergency treatment incl. accidents, post-hospitalisation cancer & kidney dialysis treatment, or Government healthcare facility treatment; brochure (0626) shows alternative Cost Saving Option of RM20,000 deductible per year with auto conversion to RM500 per disability at age 60
ICU: Yes
DAY SURG.: Yes
RENEWABLE: Yes
ENTRY AGE: 0–70

Plan 300 RM 1,700,000 annual limit

LIFETIME: Unlimited
ROOM & BOARD: RM 300
DEDUCTIBLE: RM 500
CO-INS.: 20%
CO-PAY: RM500 deductible per any one disability (in-patient items 1-3) with SMART Option; plus 20% coinsurance up to RM20,000 per disability (items 1-5, 7) if no GP referral, no specialist consultation, or treatment not via SMART Medical Practitioner at SMART Panel Provider; deductible/coinsurance not applied to emergency treatment incl. accidents, post-hospitalisation cancer & kidney dialysis treatment, or Government healthcare facility treatment; brochure (0626) shows alternative Cost Saving Option of RM20,000 deductible per year with auto conversion to RM500 per disability at age 60
ICU: Yes
DAY SURG.: Yes
RENEWABLE: Yes
ENTRY AGE: 0–70

● WAITING PERIODS

Verified: 24 Aug 2026
Source: official PDS / product page
A-Plus Health 2 brochure (0626) + A-Plus Health 2 PDS embedded in A-LifeLink 2 PDS (12/22/2025, pp.52-58): 2 plans (Plan 200/Plan 300); OAL RM1,500,000/RM1,700,000; lifetime limit No Limit; R&B RM200/RM300 per day, no day limit; ICU no day limit; pre-hosp 90 days, post-hosp 180 days (non-serious) / 365 days (serious); outpatient cancer & kidney dialysis as charged; PDS Cost Saving Option RM500 deductible per any one disability (items 1-3) with SMART Option plus conditional 20% coinsurance up to RM20,000 per disability (no GP referral / no specialist consultation / non-SMART panel treatment); brochure (0626) shows alternative Cost Saving Option RM20,000 deductible per year with auto conversion at age 60; entry age 14 days to 70 years (pre-born 13-35 weeks gestation with 30-day waiting from birth); coverage up to age 70/80/100 or 25 years per selection; renewal guaranteed but COI not guaranteed; waiting 30 days general, 120 days specified illnesses; cashless at AIA panel hospitals / pay-first-claim-later for non-panel; UDR - units deducted from ILP account value for COI; no-claim bonus RM1,500/RM1,700 per year into Health Wallet (up to 10x)

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