Med Insure covers all reasonable and customary charges for your hospitalisation, treatment, surgery, medical services provided to you as an in-patient in a hospital, up to the Annual Limit, as long as they are medically necessary. For hospital room and board, the amount of benefit payable shall not be more than the rate of standard single or basic single room of the hospital and Annual Limit.
Please refer to the Schedule of Benefits below for the available plan options:
Schedule of Benefits:
| BENEFIT LIMITS / PLAN | P100 D500P |
P100 D500 |
P100 D3000 |
P100 D20000 |
| Annual Limit | 100,000 | 100,000 | 100,000 | 100,000 |
| Deductible Amount, per Any One Disability | - | 500 | 3,000 | 20,000 |
| Deductible Amount, per Policy Year | 500 | - | - | - |
| In-Patient and Surgical Benefit | As charged, subject to Reasonable and Customary Charges | |||
Personal Medical Case Management (PMCM) Service
|
Included | |||
Notes:
- All amounts shown in the Schedule of Benefits above are in Ringgit Malaysia (RM) unless stated otherwise.
- AIA shall only reimburse reasonable and customary charges incurred for the eligible benefits in the Schedule of Benefits above.
- For any confinement in a hospital that is not listed as AIA panel hospital in Malaysia, the maximum amount of benefit payable for hospital room & board of standard single or basic single room shall not exceed RM300 for any one day.
- This is a non-guaranteed yearly renewable plan, with one year (1) coverage period
- PMCM service is a value-added service programme that is administered by our appointed service provider, Teladoc Health, Inc. It offers comprehensive information, additional remote medical consultation and additional opinions from specialists and physicians, guidance, assistance in reaching the right diagnosis and support in the process of deciding upon the best medical treatment, and to coordinate quality medical care by leading medical experts in leading medical centers. The PMCM service does not prescribe any treatment but it will assist the Insured Person to reach the right diagnosis and most appropriate treatment plan. For more details, refer to the Personal Medical Case Management (PMCM) Service section in this FAQ.
- The benefits above have been summarized and are not exhaustive. Please refer to the Policy Wording here for the full list of benefits, definitions, exclusions, terms and conditions.