A-Plus Health 360
Related Plans
Relate Plan
Contact Details
Richtec Consultancy
Phone: 019-787 1313
No. 11-01, Jalan Mutiara Emas 2A, Taman Mount Austin, 81100 Johor Bahru, Johor
🛡️ AIA A-Plus Health360
Comprehensive Medical Protection Rider
🩺 Your 360° Health Partner — Beyond an insurance card, your lifelong ally in preventive care, acute treatment, and healthy retirement.
🌟 1. Why Choose A-Plus Health360?
Many people assume a medical card is only for major surgeries and overnight hospitalization. A-Plus Health360 transforms this concept into an end-to-end healthcare partnership covering Prevention ➔ Clinic Visits ➔ Inpatient Care ➔ Extended Recovery ➔ Golden Retirement:
🩺 1. Primary Care & Preventive Health
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💊 GP Clinic Consultations: Subsidized up to RM50 per visit (maximum 3 visits per rider year) for consultations, minor procedures, and prescribed medications. Valid across AIA panel GP clinics nationwide and for 24/7 digital doctor video consultations via the AIA+ app.
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💉 Preventive Care: Full coverage for routine health screenings and approved vaccinations.
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⚖️ (Primary care and preventive benefits share a combined limit of up to RM1,000 every 2 rider years, payable directly from the Health Wallet balance; amounts exceeding RM50 are settled out-of-pocket).
❓Q: Can I claim my AIA medical card for fever or flu at a normal GP clinic?
💡A: Yes! Under the Primary Care Benefit, get subsidized up to RM50 per visit (max 3 times/year) at panel GP clinics or via AIA+ app 24/7 teleconsultations—you only pay the balance out-of-pocket!
🏥 2. High-Ceiling Inpatient Coverage & Cost-Saving Deductibles
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💰 Overall Limit: RM 3,000,000 annually with zero lifetime maximum.
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🛏️ Room & Board: Base benefit of RM 300 per day with no annual day caps.
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🚨 Intensive Care Unit (ICU): Paid as charged with no restriction on number of days.
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📉 Cost-Saving Deductibles with Mutual Offset: Choose from RM 500, RM 1,000, or RM 3,000 deductibles; outpatient designated conditions require a 5% co-insurance (capped at RM 500/year). Any outpatient co-insurance paid directly offsets your inpatient deductible within the same policy year! Complete waiver of deductibles for accident emergencies or Malaysian Government Hospital admissions.
❓Q: If I choose the RM500 Deductible option, how much must I pay for hospital surgery?
💡A: Whether the total hospital bill is RM30,000 or RM100,000, your annual out-of-pocket share is strictly capped at RM500 per year; AIA covers all remaining eligible hospital expenses 100% as charged!
❓Q: If I get admitted multiple times in a single year, do I pay the RM500 deductible every time?
💡A: No! The deductible is calculated per policy year, not per admission—the RM500 deductible is paid only once; subsequent admissions within the same policy year have an out-of-pocket deductible of RM0!
❓Q: I paid 5% co-insurance for outpatient dengue; do I have to pay another RM500 deductible if admitted?
💡A: No double payments! Under the Mutual Offset feature, the 5% co-insurance paid for outpatient treatments directly offsets your inpatient deductible, preventing duplicate charges!
⏳ 3. Extended Recovery & Specialized Care
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🗓️ Post-Hospitalisation Coverage: 180 days follow-up care for non-serious conditions; extended up to 365 days for serious conditions (inclusive of physiotherapy, chiropractic, and acupuncture).
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🧬 Outpatient Day-Care: Outpatient cancer therapies and kidney dialysis are covered as charged without overnight hospital stays.
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👨⚕️ Teladoc PMCM: Dedicated personal medical case management connecting you to leading global medical authorities.
❓ Q: Can I claim physiotherapy, chiropractic sessions, and acupuncture after hospital discharge?
💡 A: Yes! For serious medical conditions, post-hospital rehabilitation, physiotherapy, chiropractic adjustments, and acupuncture are 100% covered as charged for up to 365 days!
❓ Q: Does AIA cover outpatient chemotherapy and kidney dialysis without overnight admission?
💡 A: Fully covered! Day-care chemotherapy, targeted therapy, and dialysis are covered as charged under the RM3,000,000 annual limit, complemented by Teladoc global second medical opinions!
🧠 4. Special Care & The Age 17 Congenital Watershed
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🧘 Mental Health Support: Psychiatric consultations covered up to RM 1,500 per rider year.
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🩹 Reconstructive Surgeries & Prosthetics: Medically necessary facial reconstruction from accidents or cancer, plus artificial limbs and hearing aids, funded via Health Wallet.
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👶 Congenital Condition Rules: Discovered before age 17 = permanently excluded from the main medical card (funded solely via Health Wallet); first diagnosed at or after age 17 = covered 100% as charged under the full RM 3,000,000 annual limit!
❓ Q: Does insurance cover psychiatrist consultations for depression/anxiety or accident reconstructive surgery?
💡 A: Yes! Your Health Wallet covers psychiatrist consultations up to RM1,500/year, as well as medically necessary reconstructive surgeries resulting from accidents or cancer!
❓ Q: Does a Malaysian medical card cover congenital conditions diagnosed during adulthood?
💡 A: Timing matters! Conditions diagnosed before age 17 are permanently excluded from the main card (payable solely via Health Wallet); however, conditions first diagnosed at or after age 17 are 100% covered as charged under the RM3,000,000 annual limit!
🏨 2. SMART Hospital Ecosystem & Preferred Privileges
Over 70 selected tertiary private specialist hospitals nationwide. Privileges include:
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🚪 VIP Experience: Waived admission deposits and administrative fees, priority admission lane, dedicated parking, and complimentary wellness care packs.
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🎁 Dual Cash & Wallet Rewards: Claiming at a SMART hospital still credits RM 1,000 into your Health Wallet at rider year end (up to 10 times); receive up to RM 1,000 recovery cash wired directly to your personal bank account upon discharge!
❓ Q: What are the perks of going to an AIA SMART Panel hospital? Do patients really get cash back?
💡 A: Enjoy zero admission deposits, priority admission, room upgrades, an extra RM1,000 credited to your Health Wallet, and up to RM1,000 recovery cash transferred directly to your bank account upon discharge!
📈 3. Health Wallet & Healthy Retirement Bonus
Your Health Wallet protects your present health while building retirement resilience:
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💵 Annual Claim-Free Credits: RM 2,500 credited annually for every claim-free year, up to 10 times (reaching RM 25,000 base reserve)!
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👴 Healthy Retirement Feature: From age 60, convert up to RM 1,000 annually into your policy account value to cushion against rising insurance charges in later life and keep your protection active for life!
❓ Q: What happens to unused AIA Health Wallet funds? Can they help with rising insurance costs in retirement?
💡 A: They don't expire! Starting from age 60, convert up to RM1,000 annually into your policy account value to help offset insurance charges and safeguard against policy lapses!
🏃 4. AIA Vitality Benefit
By maintaining your active lifestyle through AIA Vitality (RM 10/month), you unlock tiered privileges across 4 levels (🥉 Bronze ➔ 🥈 Silver ➔ 🥇 Gold ➔ 💎 Platinum):
❓ Q: How does the AIA Health Wallet Booster work to grow savings faster?
💡 A: Beyond the RM2,500 annual claim-free bonus, Platinum Vitality members receive an extra +10% compounding boost annually, building over RM43,838 in total healthcare reserves over 10 years!
❓ Q: Does AIA give cash payouts when discharged from the hospital?
💡 A: Yes! Eligible admissions reward Vitality Platinum members with up to RM1,000 recovery cash transferred straight into your personal bank account to support post-hospital recuperation!
🚀 5. Upgrade Matrix: A-Plus Health 2 vs A-Plus Health360
💡 Note: Highlights newly added and upgraded dimensions.
❓ 6. Frequently Asked Questions (FAQ)
🩺 1. How does the Primary Care GP clinic consultation benefit work?
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💊 You can claim up to RM 50 per visit, subject to a maximum of 3 consultations per rider year.
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🏥 Applicable across any AIA Panel GP Clinic across Malaysia for routine conditions (e.g., flu, fever, cough) or through the AIA+ app for 24/7 virtual doctor consultations.
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💳 Deducted directly from your Health Wallet balance. (Note: Primary Care shares a combined limit with health screenings and vaccinations, capped at RM 1,000 every 2 rider years; expenses exceeding RM 50 are settled out-of-pocket).
⚖️ 2. If I select an RM 500 Deductible, will I face high out-of-pocket medical bills?
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🛡️ No. A-Plus Health360 features an integrated Mutual Offset mechanism:
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🦠 Designated Outpatient Illnesses: Outpatient care for conditions like dengue, bronchitis, and fractures requires a 5% co-insurance, capped at RM 500 annually.
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🔄 Mutual Offset: Co-insurance paid for outpatient care directly offsets your inpatient deductible within the same policy year, preventing double charges!
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🆓 100% Waiver: Deductibles and co-insurance are completely waived (RM 0) if treatment is caused by an accidental injury or received at a Malaysian Government Hospital!
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🏨 3. What constitutes a SMART Panel Hospital, and what advantages does it offer?
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🌟 SMART Panel hospitals are selected tertiary private institutions from AIA's network of over 150 medical centers nationwide.
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👑 Patients enjoy priority admissions, waived admission deposits and administrative fees, dedicated parking, and complimentary care packs. Additionally:
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🎁 Wallet Crediting: Even with an active claim, your Health Wallet is credited with RM 1,000 at rider year end (up to 10 times)!
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💵 Cash Bonus: Receive up to RM 1,000 in recovery cash wired directly to your bank account after discharge!
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👴 4. Can unused funds in my Health Wallet be converted to policy savings?
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🏆 Yes. This is the Healthy Retirement Bonus:
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🏃 Active AIA Vitality members reaching age 60 or policy year 10 (whichever comes later)
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📈 Can transfer Health Wallet funds directly into their policy account value annually (Silver: RM 500/year, Gold: RM 800/year, Platinum: RM 1,000/year).
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🛡️ These transfers build the policy's underlying reserve, cushioning against higher cost of insurance in later years.
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🧬 5. How are congenital conditions assessed under this policy?
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⚖️ Coverage depends on the age of first onset or diagnosis:
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❌ Diagnosed Before Age 17: Under Exclusion Provision 3, the condition is permanently excluded from the main medical card; however, claims can still be reimbursed via the Special Care Benefit through available Health Wallet balances.
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✅ First Diagnosed at or After Age 17: The exclusion does not apply. The condition is treated as an eligible illness, covered as charged under the full RM 3,000,000 annual limit!
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🦿 6. Are mental health therapies, prosthetics, and reconstructive surgeries covered?
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✨ Yes, these fall under the Health Wallet's extended provisions:
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🧠 Mental Health: Consultations for major depressive disorder, OCD, schizophrenia, bipolar disorder, Tourette syndrome, or postpartum depression are covered up to RM 1,500/year.
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🦿 Prosthetic Devices: Medically necessary artificial limbs and hearing aids are reimbursed directly from your wallet balance.
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🩹 Reconstructive Surgery: Corrective and cosmetic reconstructions required following accidents or cancer excisions are eligible for reimbursement.
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🔄 7. Can existing A-Plus Health 2 cardholders upgrade to Health360?
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🚀 Yes.
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A-Plus Health360 is structured to allow existing policyholders to transition smoothly, unlocking the RM 3,000,000 annual limit, RM 2,500 annual wallet allocations, and primary care clinic benefits.
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💡 Note: Policy upgrades undergo standard portfolio underwriting. Connect with our advisory team to review your existing schedule and transition smoothly.
APH 360 brochure
