MEDICAL CARD / AIA
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 3,000,000 | 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 | — | — |
| Standard (Deductible RM1,000 per rider year) | RM 3,000,000 | 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 | — | — |
| Standard (Deductible RM3,000 per rider year) | RM 3,000,000 | 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 | — | — |
● WAITING PERIODS
- General: —
- Specified (120-day): —
- Pre-existing: —
● SOURCE
- 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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