‘Deductible’ is a fixed amount that you must pay for the eligible expenses incurred for any one disability, the balance will be borne by AIA. You are not required to pay for the deductible amount under Med Insure if you undergo confinement and/or surgery at a Malaysian government hospital, except if you opt for Full-Paying Patient Service at the government hospital.
2 different scenarios are illustrated as follow, assuming Annual Limit of RM100,000 & Deductible of RM500:
Scenario 1 – Same Disability
| Date of event/ hosp. | Claims Scenario | Date of Discharge | Claims Amount (RM) | AIA Pay (RM) | Customer Pay (RM) | Remarks |
| 13 June 2024 | Admission to hospital & perform surgery | 20 June 2024 | 30,000 | 29,500 | 500 | Customers need to pay the Deductible as it is applicable for In-Patient And Surgical Benefit |
|
30 June 2024 (Day 11) |
2nd admission due to surgical complications | 15 July 2024 | 20,000 | 20,000 | 0 | Due to the same disability and the confinement are within the 90 days from the last admission discharge date, customer is not required to pay the Deductible |
|
30 Sept 2024 (Day 78) |
3rd admission due to surgical complications | 1 Oct 2024 | 10,000 | 10,000 | 0 | |
|
16 Jan 2025 (Day 108) |
4th admission due to surgical complications | 1 Nov 2024 | 10,000 | 9,500 | 500 | Customers need to pay the Deductible as the hospitalisation is more than 90 days from the last admission discharge date |
Scenario 2 – Different Disability
| Date of event/ hosp. | Claims Scenario | Date of Discharge | Claims Amount (RM) | AIA Pay (RM) | Customer Pay (RM) | Remarks |
| 13 June 2024 | Admission to hospital & perform surgery due to accident | 20 June 2024 | 30,000 | 29,500 | 500 | Customers need to pay the Deductible as it is applicable for In-Patient And Surgical Benefit |
|
30 Sept 2024 (Day 78) |
Admission to hospital & perform surgery due to heart condition | 1 Oct 2024 | 30,000 | 29,500 | 500 | Customers need to pay the Deductible as the hospitalisation is from a different cause |