MEDICAL CARD / AIA
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 1,500,000 | 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 1,700,000 | 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 |
● WAITING PERIODS
- General: 30 days
- Specified (120-day): 120 days
- Pre-existing: n/a
● SOURCE
- 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)
Premiums are quote-gated in Malaysia. Get an official quote from AIA — we never publish invented premiums.