MEDICAL CARD / AIA PUBLIC
A-PLUS HEALTH 360-I
AIA PUBLIC Takaful Bhd · Medical rider on investment-linked policy · 4 tiers · verified 24 Aug 2026
Plan 200 (Deductible RM500 per certificate year) RM 1,500,000 annual limit
- LIFETIME
- Unlimited
- ROOM & BOARD
- RM 200
- DEDUCTIBLE
- RM 500
- CO-INS.
- 5%
- CO-PAY
- RM500 deductible per certificate year (items 1-8); 5% co-takaful per certificate year up to RM500 (items 9-10: outpatient illness treatment and outpatient physiotherapy); deductible and co-takaful not applicable to emergency treatment incl. accidents and treatment at Government healthcare facilities
- ICU
- Yes
- DAY SURG.
- Yes
- RENEWABLE
- —
- ENTRY AGE
- 0–70
Plan 200 (Deductible RM500 with SMART Option per certificate year) RM 1,500,000 annual limit
- LIFETIME
- Unlimited
- ROOM & BOARD
- RM 200
- DEDUCTIBLE
- RM 500
- CO-INS.
- 5%
- CO-PAY
- RM500 deductible per certificate year (items 1-8); with SMART Option, RM500 deductible plus 20% co-takaful up to RM20,000 per certificate year applies if SMART Hospital visited/admitted without clinic referral and/or no specialist consultation (except emergency treatment) or treatment sought from non-SMART medical practitioner/provider; 5% co-takaful up to RM500 per certificate year (items 9-10); deductible/co-takaful not applicable to emergency treatment incl. accidents and Government healthcare facility treatment
- ICU
- Yes
- DAY SURG.
- Yes
- RENEWABLE
- —
- ENTRY AGE
- 0–70
Plan 300 (Deductible RM500 per certificate year) RM 3,000,000 annual limit
- LIFETIME
- Unlimited
- ROOM & BOARD
- RM 300
- DEDUCTIBLE
- RM 500
- CO-INS.
- 5%
- CO-PAY
- RM500 deductible per certificate year (items 1-8); 5% co-takaful per certificate year up to RM500 (items 9-10: outpatient illness treatment and outpatient physiotherapy); deductible and co-takaful not applicable to emergency treatment incl. accidents and treatment at Government healthcare facilities
- ICU
- Yes
- DAY SURG.
- Yes
- RENEWABLE
- —
- ENTRY AGE
- 0–70
Plan 300 (Deductible RM500 with SMART Option per certificate year) RM 3,000,000 annual limit
- LIFETIME
- Unlimited
- ROOM & BOARD
- RM 300
- DEDUCTIBLE
- RM 500
- CO-INS.
- 5%
- CO-PAY
- RM500 deductible per certificate year (items 1-8); with SMART Option, RM500 deductible plus 20% co-takaful up to RM20,000 per certificate year applies if SMART Hospital visited/admitted without clinic referral and/or no specialist consultation (except emergency treatment) or treatment sought from non-SMART medical practitioner/provider; 5% co-takaful up to RM500 per certificate year (items 9-10); deductible/co-takaful not applicable to emergency treatment incl. accidents and Government healthcare facility treatment
- ICU
- Yes
- DAY SURG.
- Yes
- RENEWABLE
- —
- ENTRY AGE
- 0–70
● WAITING PERIODS
- General: not disclosed days
- Specified (120-day): not disclosed days
- Pre-existing: n/a
● SOURCE
- Verified: 24 Aug 2026
- Source: official PDS / product page
- Official A-Plus Health 360-i brochure (0626, bilingual EN/BM) downloaded from product page https://www.aia.com.my/en/our-products/health-protection/medical-protection/a-plus-health360-i.html: 2 plans (Plan 200/Plan 300) x 2 cost saving options (RM500 deductible; RM500 deductible with SMART Option) emitted as separate objects per dataset convention; OAL RM1,500,000/RM3,000,000; lifetime limit No limit; R&B RM200/RM300 per day no day limit; ICU as charged no day limit; pre-hosp 90 days, post-hosp 180 days (non-serious)/365 days (serious); day care procedure & surgery as charged; outpatient cancer & kidney dialysis as charged; 5% co-takaful up to RM500 per certificate year (items 9-10); SMART Option: RM500 deductible + 20% co-takaful up to RM20,000 per certificate year if SMART Hospital visit without clinic referral/specialist consultation (except emergency) or non-SMART provider treatment; deductible/co-takaful waived for emergency incl. accidents and Government healthcare facility treatment; optional rider attachable to regular contribution family takaful plan (e.g. A-Life Idaman); product page FAQ: entry age 14 days to 70 years (hero section states post-natal 14 days - 60 years), pre-natal 13-35 weeks gestation; coverage up to age 70 or 80 with automatic extension to 100; waiting periods, exclusions, renewal guarantee not stated in brochure (refer to Takaful Certificate); cashless at SMART Panel Hospitals; channel via AIA Life Planner (agent)
Premiums are quote-gated in Malaysia. Get an official quote from AIA PUBLIC — we never publish invented premiums.