‘Deductible’ is a fixed amount that you must pay for the eligible expenses incurred per policy year, the balance will be borne by AIA. You are not required to pay for the deductible amount in certain circumstances including:
- Emergency treatment, including in accident cases; or
- Treatment sought at a government healthcare facility.
For Annual Limit of RM100,000 & Deductible of RM500 per Policy Year, Policy Year from 1 March 2025 to 28 February 2026:
| Date of event/ hosp. | Claims Scenario | Date of Discharge | Claims Amount (RM) | AIA Pay (RM) | Customer Pay (RM) | Remarks |
| 1 May 2025 | Admission to hospital & perform surgery | 5 May 2025 | 30,000 | 29,500 | 500 | Customer needs to pay the Deductible as it is applicable for In-Patient and Surgical Benefit |
| 10 July 2025 | Admission to hospital due to accident | 15 July 2025 | 10,000 | 10,000 | 0 | As customer has paid RM500 deductible during the previous admission, customer is not required to pay the Deductible in the same policy year. |
| 30 Sept 2025 | Admission to hospital due to virus infection | 1 Oct 2025 | 5,000 | 5,000 | 0 | |
| 1 April 2026 | Admission to hospital & perform surgery | 2 April 2026 | 10,000 | 9,500 | 500 | Customer needs to pay the Deductible as the hospitalisation is during the next policy year |