A-PLUS HEALTH 360

AIA Bhd. · Medical rider on investment-linked policy · 3 tiers · verified 24 Aug 2026

Tier	Annual limit	Lifetime	Room & board	Deductible	Co-ins.	Co-pay	ICU	Day surg.	Renewable	Entry age
Standard (Deductible RM500 per rider year)	RM 3,000,000annual limit	Unlimited	RM 300	RM 500	5%	Deductible RM500 per rider year (in-patient items 1-9); 5% coinsurance up to RM500 per rider year (out-patient items 10-11); deductible and coinsurance waived for emergency treatment incl. accidents and treatment at Government healthcare facilities; coinsurance amount offsets deductible in a rider year and vice versa	Yes	Yes	—	not disclosed+
Standard (Deductible RM1,000 per rider year)	RM 3,000,000annual limit	Unlimited	RM 300	RM 1,000	5%	Deductible RM1,000 per rider year (in-patient items 1-9); 5% coinsurance up to RM500 per rider year (out-patient items 10-11); deductible and coinsurance waived for emergency treatment incl. accidents and treatment at Government healthcare facilities; coinsurance amount offsets deductible in a rider year and vice versa	Yes	Yes	—	not disclosed+
Standard (Deductible RM3,000 per rider year)	RM 3,000,000annual limit	Unlimited	RM 300	RM 3,000	5%	Deductible RM3,000 per rider year (in-patient items 1-9); 5% coinsurance up to RM500 per rider year (out-patient items 10-11); deductible and coinsurance waived for emergency treatment incl. accidents and treatment at Government healthcare facilities; coinsurance amount offsets deductible in a rider year and vice versa	Yes	Yes	—	not disclosed+

Standard (Deductible RM500 per rider year) RM 3,000,000 annual limit

LIFETIME: Unlimited
ROOM & BOARD: RM 300
DEDUCTIBLE: RM 500
CO-INS.: 5%
CO-PAY: Deductible RM500 per rider year (in-patient items 1-9); 5% coinsurance up to RM500 per rider year (out-patient items 10-11); deductible and coinsurance waived for emergency treatment incl. accidents and treatment at Government healthcare facilities; coinsurance amount offsets deductible in a rider year and vice versa
ICU: Yes
DAY SURG.: Yes
RENEWABLE: —
ENTRY AGE: not disclosed+

Standard (Deductible RM1,000 per rider year) RM 3,000,000 annual limit

LIFETIME: Unlimited
ROOM & BOARD: RM 300
DEDUCTIBLE: RM 1,000
CO-INS.: 5%
CO-PAY: Deductible RM1,000 per rider year (in-patient items 1-9); 5% coinsurance up to RM500 per rider year (out-patient items 10-11); deductible and coinsurance waived for emergency treatment incl. accidents and treatment at Government healthcare facilities; coinsurance amount offsets deductible in a rider year and vice versa
ICU: Yes
DAY SURG.: Yes
RENEWABLE: —
ENTRY AGE: not disclosed+

Standard (Deductible RM3,000 per rider year) RM 3,000,000 annual limit

LIFETIME: Unlimited
ROOM & BOARD: RM 300
DEDUCTIBLE: RM 3,000
CO-INS.: 5%
CO-PAY: Deductible RM3,000 per rider year (in-patient items 1-9); 5% coinsurance up to RM500 per rider year (out-patient items 10-11); deductible and coinsurance waived for emergency treatment incl. accidents and treatment at Government healthcare facilities; coinsurance amount offsets deductible in a rider year and vice versa
ICU: Yes
DAY SURG.: Yes
RENEWABLE: —
ENTRY AGE: not disclosed+

● WAITING PERIODS

Verified: 24 Aug 2026
Source: official PDS / product page
Official A-Plus Health 360 brochure (0626): single plan (no plan tiers) with 3 Cost Saving Options emitted as separate objects per dataset convention; OAL RM3,000,000; lifetime limit No Limit; R&B RM300/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; day care procedure & surgery as charged; primary care up to RM50/visit, 3 visits/rider year; no-claim bonus RM2,500/rider year into Health Wallet (up to 10x); preferred panel bonus RM1,000/rider year; entry age, waiting periods, exclusions, renewal not stated in brochure (refer to policy contract); ILP rider attachable to regular premium ILPs; SMART panel hospitals with waiver of admission deposit (cashless admission)

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