Comprehensive Medical Plan for Worry-Free Healthcare (A-PlusMed

HEALTH
A-PlusMed
The Complete
Medical Plan
PT0810284/0414
Comprehensive
Cover, For A
Worry-Free You
aia.com.my
A-PlusMed
A-PlusMed
A-PlusMed
The Complete Medical Plan
Getting adequate
medical cover is fast
becoming a necessity
and no longer a luxury,
as rising costs of living
push prices everywhere
ever higher, medical
treatments inclusive.
We could all use a
medical plan that not
only provides for the
unexpected but also
helps to alleviate the
effects of price inflation.
Introducing A-PlusMed,
the comprehensive
medical plan designed
to keep you worry-free.
A-PlusMed offers innovative, market-leading

benefits such as protection up to age 100 and
an automatically increasing annual
limit1. Moreover there are no lifetime
limits on your cover, and zero co-insurance
and deductible charges apply.
Why A-PlusMed ?
LIFELONG coverage up to age 100.
INCREASING Annual Limit1.
NO Lifetime Limit2.
ZERO co-insurance and deductible charges.
Its pioneering "Just Swipe" medical

card facility means admissions to panel
hospitals will be hassle-free.
When it comes to choosing the complete
medical plan, A-PlusMed ticks all the
boxes.
Hassle-free "JUST SWIPE" hospital admissions.

OPTIONAL protection for the whole family.
Referral Emergency Assistance (REA) Programme.
Subject to terms and conditions. Refer to page 3 under Increasing Annual Limit for details.
Only available for Hospital Room and Board RM 150 and above. Refer to Schedule of Benefits in
page 5 for details.
1
2
A-PlusMed
A closer look at the benefits...

Lifelong Coverage up to age 100
A-PlusMed
Referral Emergency Assistance (REA) Programme5

Enjoy worldwide assistance services by calling our 24-hour service hotline
603-21665421 and reverse the call charges.
Referral Emergency Assistance (REA) Programme services includes:
A-PlusMed provides you the medical coverage up to age 100.
Increasing Annual Limit

The Annual Limit shall increase by 5% of the initial Annual Limit every 2 years
starting from the 3rd policy year, for 20 policy years.
The Increasing Annual Limit shall be granted if there is no claim or if there are
claims, the total claim amount is less than RM 5,000 for the previous 2 policy years.
If the total claim amount in the previous 2 policy years is RM 5,000 and above, the
Increasing Annual Limit shall remain at the level which was last granted to you.
The Increasing Annual Limit is only available for Hospital Room and Board RM 150
and above.
International Medical
Assistance Programme
Emergency medical evacuation and repatriation,

repatriation of mortal remains, medical assistance
and travel information.
Domestic Medical
Assistance Programme
Emergency medical evacuation and repatriation and

medical assistance.
Car Assistance
Programme6
Emergency towing and minor roadside repair, car

rental assistance and referral to service centres.
Home Assistance
Programme6
Plumbing, locksmith, general repair, air conditioning

and pest control assistance.
Travel Assistance
Programme6
Provides information such as Visa, passport and

inoculation requirements, assists in location of lost
items, emergency message relay etc.
No Lifetime Limit2
With no Lifetime Limit, you can rest assure that you and / or your familys
healthcare needs will be taken care of, for life3.
Zero Co-insurance and Deductible Charges

A-PlusMed pays your medical treatment in full3, without imposing co-insurance or
deductible charges.
Hassle-free "Just Swipe" Hospital Admissions4

A-PlusMed provides you with hassle-free admission at all panel hospitals.
A medical card will be given to you to ease any hospital admission and discharge.
Optional Protection for the Whole Family

You can choose to protect your spouse and / or your children under one plan.
A maximum of 4 children is allowed per each Family Plans coverage.
Subject to Annual Limit.

If you are hospitalized for the first 3 months of your policy, you are required to pay first and submit
the claim to the Company for reimbursement later.
5
The benefits described under the Referral Emergency Assistance (REA) Programme are not
exhaustive. Please refer to your policy contract for detailed benefits, exclusions, terms and
conditions. Please note that AIA Bhd. reserves the right to vary any of the services and /or
benefits under REA Programme from time to time.
6
These services are confined to referral services only. The cost of the actual services shall be
borne by the policyholder. These services are not guaranteed as they are provided by a third party
and the continuation of these services are subject to the agreement between the Company and
the third party service provider.
3
4
A-PlusMed
A-PlusMed
The Schedule of Benefits of A-PlusMed is as follows:

No
Benefit Limits
Plan
100
(RM)
Plan
150
(RM)
Plan
200
(RM)
Plan
250
(RM)
Plan
300
(RM)
Plan
400
(RM)
Plan
500
(RM)
No
Benefit Limits
Plan
100
(RM)
Plan
150
(RM)
Plan
200
(RM)
Plan
250
(RM)
Plan
300
(RM)
Plan
400
(RM)
Plan
500
(RM)
Hospital Room and Board

(120 days maximum per policy year)
100
150
200
250
300
400
500
13
Home Nursing Care (per confinement)

(180 days Lifetime Limit)
N/A
3,000
4,000
5,000
6,000
8,000
10,000
Additional Hospital Room and

Board Whilst Overseas
14
Organ/Bone Marrow Transplant
As charged, subject to Reasonable and Customary Charges
150
200
250
300
400
500
15
Daily Cash Allowance at

Government Hospital
50
100
100
100
200
200
200
16
Daily Guardian
60
90
110
130
160
220
280
17
Malaysian Government Service Tax
Intensive Care Unit

Hospital Supplies and Services
Surgical Fees
Operating Theatre Fees
Anaesthetists Fees
In-Hospital Physicians Visit

(240 visits maximum per policy year)
100
10
11
Day Procedure
12
Out-Patient Physiotherapy and

Acupuncture (per policy year and
within 60 days after hospitalization)
Annual Limit Per Insured (item 1 to 17)
75,000 100,000 125,000 150,000 180,000 220,000 260,000
Overall Lifetime Limit Per Insured
200,000
Increasing Annual Limit
N/A
As charged,
subject to Reasonable and Customary Charges
Pre-Hospitalization
(within 60 days prior to hospitalization)
- Diagnostic Tests
- Specialist Consultation
Medication and Treatment
(RM 300 maximum per disability)
Post-Hospitalization Treatment
(within 120 days after hospitalization)
- Out-Patient Diagnostic X-ray and
Lab Tests
- Medical Expenses and Consultation
As charged, subject to Hospital Room and Board entitlement
2,000
4,000
6,000
8,000
10,000
12,000
14,000
N/A
N/A
N/A
N/A
N/A
N/A
Annual Limit shall increase by 5% of the initial

Annual Limit every 2 years for 20 years if there is no
claim for the previous 2 policy years or if there are
claims, the total claim amount is less than RM 5,000
18
Emergency Accidental Out-Patient

Treatment and 30 days Follow-up
Treatment at Hospital and Clinic
(per accident)
1,500
2,000
2,500
3,000
3,500
4,500
5,000
19
Emergency Accidental Out-Patient

Dental Treatment (per accident)
N/A
3,000
4,000
5,000
6,000
8,000
10,000
20
Out-Patient Kidney Dialysis

Treatment and Out-Patient Cancer
Treatment (per Lifetime)
21
Emergency Medical Evacuation and

Repatriation5 (per event)
75,000 250,000 312,500 375,000 450,000 550,000 650,000
USD
1 mil
USD
1 mil
USD
1 mil
USD
1 mil
Please refer to the policy contract for full details of the benefit coverage.
USD
1 mil
USD
1 mil
USD
1 mil
A-PlusMed
A-PlusMed
Find the answers to

your questions here
Q
What is
A-PlusMed
On top of this, A-PlusMed provides Increasing Annual Limit of 5% every 2 years

starting from the 3rd policy year, for 20 policy years. A-PlusMed also provides you
an option to extend the coverage to your immediate family members.
Note:
No Lifetime Limit and Increasing Annual Limit are only applicable to Hospital Room and Board RM 150 and above.
The Increasing Annual Limit is granted if there is no claim or if there are claims, the total claim amount is less than
RM 5,000 for the previous 2 policy years.
A-PlusMed
guaranteed?
A The Cost of Insurance for this rider is not guaranteed and the Company reserves
the right to revise the Cost of Insurance by giving the policyholders 3 months
written notice prior to the next policy anniversary.
Q
A A-PlusMed is a unit deducting rider attachable to a regular premium Investment-Linked

Insurance plan. A-PlusMed covers hospitalization and surgical expenses up to age 100,
with no Lifetime Limit.
Is the Cost of Insurance for
What are the fees and charges that I have to pay?
A There are no fees and charges other than the Cost of Insurance deducted.
Q
Are the premiums paid for A-PlusMed
eligible for income tax relief?
A Yes, the premiums apportioned to this unit deducting rider may qualify you for a
personal tax relief of up to RM 3,000 for medical and education insurance, subject
to the final decision of the Inland Revenue Board of Malaysia.
Q
What are the major exclusions for
A-PlusMed
A This rider shall not cover:

Pre-existing illness; or
Who is eligible to buy A-PlusMed
A This rider is available to individuals aged between 14 days and 70 years old.
Q
What is the coverage for family members in a plan?
A All family members under the family plan will enjoy individual benefit limit of the
same plan.
Q
Where am I Covered?
A You are covered worldwide but subject to a maximum of 90 days protection if you
are travelling outside Malaysia, Singapore and Brunei. If you are a foreigner, your
coverage is confined to hospitalization within Malaysia and hospitalization due to
medical emergency only whilst overseas.
Q
Will my Cost of Insurance increase as my age increases?
A For A-PlusMed, the Cost of Insurance is deducted depending on your attained age
and it will increase as your age increases.
Treatment or surgery for Specified Illnesses for a period of 120 days

immediately preceding for such treatment and surgery; or
Any medical or physical conditions arising within 30 days from the Issue
Date or Commencement Date of this rider, whichever is later except for
covered injury; or
Out-Patient Kidney Dialysis Treatment where the symptoms first occurred
prior to or within 30 days from the Issue Date or Commencement Date of
this rider, whichever is later; or
Out-Patient Cancer Treatment Benefit where the symptoms first occurred
prior to or within 60 days from the Issue Date or Commencement Date of
this rider, whichever is later; or
Any medical or physical abnormalities existing at the time of birth, as well
as neo-natal physical abnormalities developing within 6 months from the
time of birth or any congenital or hereditary conditions which has
manifested or was diagnosed before the insured attains 17 years of age; or
Any disability caused by self-destruction, intentional self-inflicted injuries, willful
exposure to danger or any attempt of self-destruction while sane or insane; or
War, declared or undeclared, strikes, riots, civil war, revolution or any
warlike operations; or
A-PlusMed
What are the major exclusions for
A-PlusMed
A-PlusMed
(continued)?
A This rider shall not cover (continued):
For your attention:
Service in the armed forces in time of declared or undeclared war or while

under orders for warlike operations or restoration of public order; or
1. You should satisfy yourself that this rider will best serve your needs and that the
premium payable under this policy is an amount you can afford.
Any violation or attempted violation of the law or resistance to arrest; or
2. If the basic policy of the Investment-Linked Insurance to which this rider is

attached, is cancelled within the 15-day free look period, the unallocated premiums
of the basic policy, value of units (if any), any insurance charges and Monthly Service
Charge that have been deducted less medical expenses (if any) will be refunded.
Pregnancy, miscarriage or child birth; or

Mental or nervous disorders, treatment of alcoholism, or drug abuse or any
other complications arising therefrom or any drug not prescribe by treating
doctor; or
Plastic / cosmetic surgery, circumcision, all corrective glasses, contact
lenses and intraocular lens except monofocal intraocular lenses in cataract
surgery; or
Dental treatment unless necessitated by accidental injury; or
Hospitalization primarily for investigatory purposes, diagnosis, X-ray
examination, general physical or medical examinations, not incidental to
treatment or diagnosis of a covered disability or any treatment which is not
medically necessary and any preventive treatments, preventive medicines
or examinations carried out by a physician, vitamins / food supplements and
treatments specifically for weight reduction or gain; or
3. You are advised to refer to the sales illustration for further information.
4. You should ensure that important information regarding this rider is disclosed to
you and you understand the information disclosed. If there is ambiguity, you
should seek clarification from the Company.
5. Should you require additional information about medical and health insurance,
you may also refer to the insurance info booklet on Medical and Health
Insurance available at all our branches or you can obtain a copy from your AIA
Life Planner or visit www.insuranceinfo.com.my.
6. It may not be advantageous to switch from one health plan to another, as you may be
subject to new underwriting requirements, full waiting period and any applicable
period for the exclusion of specific illnesses / pre-existing conditions of the new plan.
Any treatment or investigation which is not medically necessary, or

convalescence, custodial or rest care; or
Ionizing radiation or contamination by radioactivity from any nuclear fuel or
nuclear waste from process of nuclear fission or from any nuclear weapon
material; or
Overseas treatment if insured person insured resides or travel outside
Malaysia (excluding Singapore and Brunei) for more than 90 consecutive days.
Note: This list is not exhaustive. Please refer to the policy contract for the full list of exclusions.
This brochure contains only a brief description of the product and is not exhaustive. It
is recommended that you request for a copy of the AIA Sales Illustration to know
more about this product. For a detailed explanation of its benefits, exclusions, terms
and conditions, please refer to the policy contract.
10
11
A-PlusMed
A-PlusMed
A-PlusMed
Perlindungan Perubatan Yang Lengkap
Memiliki perlindungan
perubatan yang mencukupi
telah menjadi satu keperluan
dan bukan lagi satu
kemewahan disebabkan
kenaikan harga dengan lebih
ketara, termasuk kos
rawatan perubatan akibat
kenaikan kos kehidupan.
Kita semua boleh
menggunakan satu pelan
perubatan yang bukan sahaja
menyediakan perlindungan
untuk keadaan yang tidak
dijangka tetapi juga
membantu mengurangkan
kesan inflasi harga.
Memperkenalkan
A-PlusMed, pelan perubatan
yang lengkap direka untuk
membebaskan anda
daripada kerisauan.
A-PlusMed menawarkan anda manfaat

yang inovatif, menerajui pasaran seperti
perlindungan sehingga umur 100 tahun
dan peningktan had1 tahunan secara
automatik. Tambahan, pelan ini tidak
mempunyai had seumur hidup pada
perlindungan anda dan tiada caj
ko-insurans dan deduktibel.
Dengan kemudahan kad perubatan
perintis "Just Swipe", ia memberi
kemudahan kemasukan ke panel hospital
tanpa gangguan.
Apabila hendak memilih pelan perubatan yang
lengkap, A-PlusMed memenuhi segalanya.
Kenapa A-PlusMed ?
Perlindungan SEPANJANG HAYAT sehingga umur 100 tahun.
PENINGKATAN Had Tahunan1.
TIADA Had Seumur Hidup2.
TIADA caj ko-insurans dan deduktibel.
Kemasukan hospital tanpa gangguan dengan "JUST SWIPE".
Perlindungan PILIHAN untuk seluruh keluarga anda.
Program Rujukan Bantuan Kecemasan.
1
Tertakluk kepada terma-terma dan syarat-syarat. Rujuk kepada halaman 13 di bawah
Peningkatan Had Tahunan untuk maklumat selanjutnya.
2
Hanya untuk pelan Bilik dan Penginapan Hospital RM 150 dan ke atas. Sila rujuk kepada Jadual
Manfaat pada halaman 15 untuk maklumat selanjutnya.
12
13
A-PlusMed
Meneliti manfaat-manfaatnya
Perlindungan Sepanjang Hayat sehingga Umur 100 Tahun
A-PlusMed
Perlindungan Pilihan untuk Seluruh Keluarga Anda

Anda boleh memilih untuk melindungi pasangan anda dan/atau anak-anak anda di
bawah satu pelan.
Perlindungan maksimum sehingga 4 orang anak dibenarkan untuk setiap Pelan Keluarga.
A-PlusMed menyediakan anda perlindungan perubatan sehingga umur 100 tahun.
Program Rujukan Bantuan Kecemasan5

Peningkatan Had Tahunan
Had Tahunan akan meningkat sebanyak 5% daripada Had Tahunan asal, setiap 2
tahun bermula dari tahun polisi ke-3 selama 20 tahun polisi.
Nikmati bantuan di seluruh dunia dengan menelefon talian perkhidmatan 24

jam kami di nombor 603-21665421 dengan panggilan caj balikan.
Perkhidmatan Program Rujukan Bantuan Kecemasan termasuk:
Peningkatan Had Tahunan akan diberikan jika tiada tuntutan atau jika terdapat tuntutan,
jumlah tuntutan adalah kurang daripada RM 5,000 untuk 2 tahun polisi sebelumnya.
Jika jumlah tuntutan dalam 2 tahun polisi sebelumnya ialah RM 5,000 dan lebih,
Peningkatan Had Tahunan akan kekal pada had terakhir yang diberikan kepada anda.
Peningkatan Had Tahunan hanya untuk pelan Bilik dan Penginapan Hospital RM 150
dan ke atas.
Tiada Had Seumur Hidup2

Dengan ketiadaan Had Seumur Hidup, anda boleh yakin bahawa keperluan penjagaan
kesihatan anda dan/atau keluarga anda akan dijaga untuk sepanjang hayat3.
Tiada Caj Ko-insurans dan Deduktibel

A-PlusMed membayar rawatan perubatan anda sepenuhnya3 tanpa mengenakan
sebarang caj ko-insurans atau deduktibel.
Kemasukan4 Hospital Tanpa Gangguan dengan "Just Swipe"

A-PlusMed memberikan anda kemudahan kemasukan ke hospital tanpa gangguan di
semua panel hospital.
Kad perubatan akan diberikan kepada anda untuk memudahkan kemasukan
dan pelepasan hospital.
Program Bantuan
Perubatan
Antarabangsa
Pemindahan dan penghantaran pulang perubatan

kecemasan, penghantaran pulang jenazah, bantuan
perubatan dan maklumat perjalanan.
Program Bantuan
Perubatan Domestik
Pemindahan dan penghantaran pulang perubatan

kecemasan dan bantuan perubatan.
Program Bantuan
Kereta6
Penundaan kecemasan dan pembaikan kecil di tepi

jalan, bantuan sewa kereta dan rujukan kepada pusat
perkhidmatan.
Program Bantuan
Rumah6
Kerja paip, tukang kunci, pembaikan am, penyaman

udara dan bantuan kawalan serangga perosak.
Program Bantuan
Perjalanan6
Memberikan maklumat mengenai Visa, pasport dan

keperluan inokulasi, membantu mencari barang yang hilang,
menyampaikan pesanan kecemasan dan sebagainya.
Tertakluk kepada Had Tahunan.

Jika anda dimasukkan ke hospital dalam masa 3 bulan pertama polisi, anda perlu membayar
dahulu dan kemukakan tuntutan anda kepada Syarikat untuk dibayar balik kemudiannya.
5
Manfaat yang diterangkan bagi Program Rujukan Bantuan Kecemasan di atas adalah tidak
menyeluruh. Sila rujuk kepada kontrak polisi anda untuk manfaat, pengecualian, terma dan
syarat yang terperinci. Sila ambil perhatian bahawa AIA Bhd. berhak untuk mengubah
mana-mana perkhidmatan dan / atau manfaat di bawah Program Rujukan Bantuan Kecemasan
dari semasa ke semasa.
6
Perkhidmatan ini terbatas kepada perkhidmatan rujukan sahaja. Kos perkhidmatan sebenar akan ditanggung oleh
pemegang polisi. Perkhidmatan ini tidak terjamin kerana ia disediakan oleh pihak ketiga dan penerusan
perkhidmatan ini adalah tertakluk kepada persetujuan di antara Syarikat dan pembekal perkhidmatan pihak ketiga.
3
4
14
15
A-PlusMed
A-PlusMed
Jadual Manfaat A-PlusMed adalah seperti berikut:

No.
Had Manfaat
Pelan
100
(RM)
Pelan
150
(RM)
Pelan
200
(RM)
Pelan
250
(RM)
Pelan
300
(RM)
Pelan
400
(RM)
Pelan
500
(RM)
No.
Had Manfaat
Pelan
100
(RM)
Pelan
150
(RM)
Pelan
200
(RM)
Pelan
250
(RM)
Pelan
300
(RM)
Pelan
400
(RM)
Pelan
500
(RM)
Bilik dan Penginapan Hospital

(maksimum 120 hari setiap tahun polisi)
100
150
200
250
300
400
500
13
T/B
3,000
4,000
5,000
6,000
8,000
10,000
Bilik dan Penginapan Hospital

Tambahan Semasa Di Luar Negera
Penjagaan Kejururawatan Di Rumah

(setiap kemasukan hospital)
(had seumur hidup 180 hari)
100
150
200
250
300
400
500
14
Pemindahan Organ/Sumsum Tulang
Seperti caj yang dikenakan,

tertakluk kepada Caj Munasabah dan dan Biasa Diamalkan
Unit Rawatan Rapi

15
Elaun tunai harian di

Hospital Kerajaan
50
100
100
100
200
200
200
Bekalan dan Perkhidmatan Hospital
16
60
90
110
130
160
220
280
Yuran Pembedahan
Penjaga Harian
Yuran Bilik Pembedahan
17
Cukai Perkhidmatan Kerajaan Malaysia
Yuran Pakar Bius
Lawatan Pakar Perubatan

Dalam Hospital
(maksimum 240 lawatan
setiap tahun polisi)
Sebelum Penghospitalan
(dalam tempoh 60 hari
sebelum penghospitalan)
- Ujian Diagnostik
- Rundingan Doktor Pakar
Perubatan dan Rawatan
(RM 300 maksimum untuk
setiap kemalangan)
10
Had Tahunan setiap Orang Diinsuranskan

75,000 100,000 125,000 150,000 180,000 220,000 260,000
(no. 1 hingga 17)
Had Seumur Hidup Keseluruhan
setiap Orang Diinsuranskan
Seperti caj yang dikenakan,
tertakluk kepada Caj Munasabah dan dan Biasa Diamalkan
Rawatan Selepas Penghospitalan

(dalam tempoh 120 hari selepas
penghospitalan)
- X-ray Diagnostik dan Ujian Makmal
Pesakit Luar
- Perbelanjaan Perubatan
dan Rundingan
11
Prosedur Harian
12
Akupunktur dan Fisioterapi

Pesakit Luar
(setiap tahun polisi dan dalam tempoh
60 hari selepas penghospitalan)
Seperti caj yang dikenakan

tertakluk kepada jumlah Bilik dan Penginapan Hospital
2,000
4,000
6,000
8,000
10,000
12,000
14,000
Peningkatan Had Tahunan
200,000
T/B
T/B
T/B
T/B
T/B
T/B
T/B
Had Tahunan akan meningkat sebanyak 5% daripada

Had Tahunan asal, setiap 2 tahun selama 20 tahun
polisi jika tiada tuntutan atau jika terdapat tuntutan,
jumlah tuntutan adalah kurang daripada RM 5,000
untuk 2 tahun polisi sebelumnya
18
Rawatan Kecemasan Pesakit Luar

Akibat Kemalangan dan Rawatan
Susulan 30 hari di Hospital dan Klinik
(setiap kemalangan)
19
Rawatan Pergigian Kecemasan

Pesakit Luar Akibat Kemalangan
(setiap kemalangan)
20
Rawatan Dialisis Buah Pinggang

Pesakit Luar dan Rawatan Kanser 75,000 250,000 312,500 375,000 450,000 550,000 650,000
Pesakit Luar (Had Seumur Hidup)
21
Pemindahan dan penghantaran

pulang perubatan kecemasan5
(setiap kejadian)
1,500
2,000
2,500
3,000
3,500
4,500
5,000
T/B
3,000
4,000
5,000
6,000
8,000
10,000
USD
1 juta
USD
1 juta
USD
1 juta
USD
1 juta
USD
1 juta
USD
1 juta
USD
1 juta
Sila rujuk kepada kontrak polisi untuk maklumat lengkap berkenaan dengan manfaat perlindungan.
16
17
A-PlusMed
A-PlusMed
Dapatkan jawapan kepada

soalan-soalan anda di sini
Q
Apakah itu A-PlusMed
Selain daripada ini, A-PlusMed memberikan Peningkatan Had Tahunan sebanyak 5%

setiap 2 tahun bermula dari tahun polisi ke-3, selama 20 tahun polisi. A-PlusMed juga
memberi pilihan kepada anda untuk melindungi ahli-ahli keluarga terdekat anda.
Nota:
Tiada Had Seumur Hidup dan Peningkatan Had Tahunan hanya untuk pelan Bilik dan Penginapan Hospital RM 150
dan ke atas.
Peningkatan Had Tahunan akan diberikan jika tiada tuntutan atau jika terdapat tuntutan, jumlah tuntutan adalah
kurang daripada RM 5,000 untuk 2 tahun polisi sebelumnya.
A-PlusMed
terjamin?
A Kos Insurans untuk rider ini adalah tidak terjamin dan Syarikat berhak untuk
mengubah Kos Insurans dengan memberi notis bertulis 3 bulan terdahulu
kepada pemegang polisi sebelum ulang tahun polisi berikutnya.
Q
A A-PlusMed merupakan rider potongan unit yang boleh dilampirkan kepada pelan Insurans
Berkaitan Pelaburan berpremium tetap. A-PlusMed melindungi kemasukan ke hospital
dan perbelanjaan pembedahan sehingga umur 100 tahun tanpa Had Seumur Hidup.
Adakah Kos Insurans untuk
Apakah yuran-yuran dan caj-caj yang perlu saya bayar?
A Tiada yuran-yuran dan caj-caj yang lain selain daripada Kos Insurans yang ditolak.
Q
Adakah premium-premium yang dibayar untuk

mendapat pelepasan cukai?
A-PlusMed
layak
A Ya, premium-premium yang diagihkan kepada rider potongan unit ini melayakkan anda
mendapat pelepasan cukai sehingga RM 3,000 untuk insurans perubatan dan pendidikan,
tertakluk kepada keputusan muktamad Lembaga Hasil Dalam Negeri Malaysia.
Q
Apakah pengecualian- pengecualian utama untuk
A-PlusMed
A Rider ini tidak melindungi:

Penyakit Sedia Ada; atau
Siapakah yang layak membeli A-PlusMed
A Rider ini boleh disertai oleh individu yang berumur di antara 14 hari dan 70 tahun.
Q
Apakah perlindungan untuk ahli keluarga dalam pelan ini?
A Semua ahli keluarga di bawah pelan keluarga akan menikmati had manfaat
individu untuk pelan yang sama.
Q
Di manakah saya dilindungi?
A Anda dilindungi di seluruh dunia tetapi tertakluk kepada perlindungan maksimum 90

hari jika anda melancong ke luar Malaysia, Singapura dan Brunei. Jika anda adalah
warga negara asing, perlindungan anda akan terhad kepada penghospitalan di
Malaysia dan penghospitalan akibat kecemasan perubatan sahaja di luar negara.
Q
Adakah Kos Insurans saya akan meningkat apabila umur saya meningkat?
A Untuk A-PlusMed, Kos Insurans yang ditolak akan bergantung kepada umur yang
anda capai dan akan meningkat dengan peningkatan umur anda.
Rawatan atau pembedahan bagi Penyakit Tertentu untuk tempoh 120 hari
sebelum rawatan dan pembedahan tersebut; atau
Mana-mana keadaan perubatan atau fizikal yang timbul dalam tempoh 30
hari pertama dari Tarikh Penyertaan atau Tarikh Mula rider, yang mana
kemudian kecuali kecederaan yang disebabkan oleh kemalangan; atau
Rawatan Dialisis Buah Pinggang Pesakit Luar yang mana tanda-tanda atau
gejala-gejala, yang pertama kali berlaku dalam tempoh 30 hari selepas
Tarikh Penyertaan atau Tarikh Mula rider, yang mana kemudian; atau
Manfaat Rawatan Kanser Pesakit Luar yang mana tanda-tanda atau
gejala-gejala, yang pertama kali berlaku dalam tempoh 60 hari selepas
Tarikh Penyertaan atau Tarikh Mula rider, yang mana kemudian; atau
Sebarang keabnormalan perubatan atau fizikal yang wujud pada masa
kelahiran, serta keabnormalan fizikal neonatal yang wujud dalam tempoh 6
bulan dari masa kelahiran atau sebarang keadaan kongenital atau keadaan
keturunan yang ditunjukkan dengan jelas atau didiagnosis sebelum orang
diinsuranskan mencapai umur 17 tahun; atau
Sebarang hilang upaya yang diakibatkan oleh pemusnahan diri, kecederaan diri
yang disengajakan, pendedahan kepada bahaya secara sengaja atau sebarang
cubaan pemusnahan diri dalam keadaan siuman atau tidak siuman; atau
18
19
A-PlusMed
Apakah pengecualian- pengecualian utama untuk A-PlusMed

(sambungan)?
A Rider ini tidak melindungi (sambungan):

Peperangan, sama ada diisytiharkan ataupun tidak, mogok, rusuhan,
perang saudara atau sebarang operasi sedia berperang; atau
Berkhidmat dalam angkatan bersenjata semasa peperangan yang
diisytiharkan ataupun tidak diisytiharkan atau semasa di bawah perintah
untuk operasi sedia berperang atau memulihkan ketenteraman awam; atau
Sebarang pelanggaran atau cubaan untuk melanggar undang-undang atau
menentang daripada ditahan; atau
Kehamilan, keguguran atau melahirkan anak; atau
Penyakit mental atau penyakit saraf, rawatan ketagihan arak, atau
penyalahgunaan dadah atau sebarang komplikasi lain yang timbul
daripadanya atau sebarang dadah yang tidak dipreskripsikan oleh doktor
yang merawat; atau
Pembedahan plastik / kosmetik, khatan, cermin mata untuk pembetulan
penglihatan, kanta sentuh, kanta intraocular kecuali kanta intraocular
monofocal dalam pembedahan katarak; atau
Rawatan pergigian melainkan perlu dilakukan akibat kecederaan; atau
Penghospitalan terutamanya untuk tujuan penyiasatan, diagnosis,
pemeriksaan sinar-x, pemeriksaan fizikal atau perubatan am, tidak
berkaitan dengan rawatan atau diagnosis hilang upaya yang dilindungi atau
sebarang rawatan yang tidak perlu dari segi perubatan dan apa-apa
rawatan pencegahan, ubat atau pemeriksaan pencegahan yang dijalankan
oleh pakar perubatan, vitamin / makanan tambahan dan rawatan khusus
untuk mengurangkan atau menaikkan berat badan; atau
A-PlusMed
Untuk perhatian anda:

1. Anda harus memastikan rider ini memenuhi keperluan anda dan anda mampu
membayar amaun premium yang perlu dibayar di bawah polisi ini.
2. Jika pelan asas Insurans Berkaitan Pelaburan dimana rider ini dilampirkan
kepada, dibatalkan dalam tempoh percubaan 15 hari, premium polisi asas yang
tidak diperuntukkan, nilai unit (jika ada), sebarang caj insurans dan Caj
Perkhidmatan Bulanan yang telah ditolak dikurangkan perbelanjaan perubatan
(jika ada) akan dipulangkan sepenuhnya.
3. Anda dinasihatkan supaya merujuk ilustrasi jualan untuk maklumat lanjut.
4. Anda hendaklah memastikan bahawa maklumat penting mengenai rider ini
dinyatakan kepada anda dan anda memahami maklumat yang dinyatakan itu. Jika
terdapat ketidakpastian, anda hendaklah mendapatkan penjelasan daripada Syarikat.
5. Sekiranya anda memerlukan maklumat tambahan mengenai insurans perubatan
dan kesihatan, anda juga boleh merujuk buku kecil info insurans mengenai
Insurans Perubatan Dan Kesihatan yang boleh didapati di semua cawangan
kami atau anda boleh mendapatkan satu naskah daripada Perancang Hayat AIA
atau kunjungi www.insuranceinfo.com.my.
6. Adalah tidak menguntungkan untuk bertukar daripada satu pelan kesihatan
kepada pelan kesihatan yang lain kerana anda mungkin tertakluk kepada
keperluan penajajaminan yang baru, tempoh tangguh penuh dan sebarang
tempoh yang dikenakan bagi pengecualian penyakit-penyakit tertentu / keadaan
sedia ada dalam pelan baru itu.
Sebarang rawatan atau siasatan yang tidak perlu dari segi perubatan, atau
penyembuhan, penjagaan atau rehat pulih; atau
Pengionan radiasi atau jangkitan melalui radioaktif daripada mana-mana
bahan api nuklear atau sisa nuklear daripada proses pembelahan nuklear
atau daripada apa-apa bahan senjata nuklear; atau
Rawatan di luar negara jika orang diinsuranskan tinggal atau mengembara di luar
Malaysia (kecuali Singapura and Brunei) selama lebih daripada 90 hari berturut-turut.
Nota: Senarai ini adalah tidak menyeluruh. Sila rujuk kepada kontrak polisi untuk senarai
pengecualian yang sepenuhnya.
Risalah ini hanya mengandungi keterangan ringkas mengenai produk ini dan tidak
menyeluruh. Anda digalakkan untuk mendapat satu salinan Ilustrasi Jualan AIA untuk
mengetahui dengan lebih lanjut mengenai produk ini. Untuk penjelasan terperinci
berkenaan manfaat, pengecualian, terma dan syaratnya, sila rujuk kepada kontrak polisi.
20
21
A-PlusMed
A-PlusMed
A-PlusMed
A-PlusMed
A-PlusMed
100
1
A-PlusMed ?
100
1
2
A-PlusMed
1
2
23
RM 15025
22
23
A-PlusMed
A-PlusMed
...
100
24
5
24603-21665421
A-PlusMed100
35%20

RM 5,000
RM 5,000
RM 150
2
/
3
A-PlusMed3
4
A-PlusMed

/
4
3
3
5
/
6
3
3
4
25
A-PlusMed
A-PlusMed
A-PlusMed:
100
(RM)
150
(RM)
200
(RM)
250
(RM)
300
(RM)
400
(RM)
500
(RM)
100
(RM)
150
(RM)
200
(RM)
250
(RM)
300
(RM)
400
(RM)
500
(RM)
(120)
100
150
200
250
300
400
500
15
(120)
50
100
100
100
200
200
200
(120)
100
150
200
250
300
400
500
16
(120)
60
90
110
130
160
220
280
(120)
17
(117)
75,000 100,000 125,000 150,000 180,000 220,000 260,000
200,000
(240)
(60)
-
-
-
(RM 300)
10
(120)
- X-
12
(60)
13
()(180)
14
2,000
4,000
6,000
8,000
10,000
12,000
14,000
3,000
4,000
5,000
6,000
8,000
10,000
5%20
RM 5,000
18
30
()
19
()
20
()
75,000 250,000 312,500 375,000 450,000 550,000 650,000
21
5()
USD
1
11
1,500
2,000
2,500
3,000
3,500
4,500
5,000
3,000
4,000
5,000
6,000
8,000
10,000
USD
1
USD
1
USD
1
USD
1
USD
1
USD
1
26
27
A-PlusMed
A-PlusMed
A-PlusMed
A-PlusMed35%
20A-PlusMed
:
RM 150

RM 5,000
A
3
Q
A-PlusMed
A 14 70
, ?
A
Q
A 90
A A-PlusMed
A
Q
A-PlusMed
A
RM 3,000
Q
A A-Plus MedA-PlusMed
100
A-PlusMed
A-PlusMed
A :

120
()30
30
60
6
17
28
29
A-PlusMed
A-PlusMed
A-PlusMed
()?
A ():
/ (
)

:
1.
2. 15
()
()
3.
4.
5.
AIAwww.insuranceinfo.com.my
()
90
6.
/
AIA
30
31
A-PlusMed
A-PlusMed
Appendix / Apendiks /
Appendix / Apendiks / (continued)
A-PlusMed Cost of Insurance / Kos Insurans /

For Occupational Classes 1 and 2 / Untuk Kelas Pekerjaan 1 dan 2 / 12
Attained Age/
Umur Dicapai/
Plan 100
0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
579.00
579.00
579.00
579.00
550.00
474.50
372.00
372.00
372.00
372.00
372.00
302.50
302.50
302.50
302.50
302.50
406.00
406.00
406.00
406.00
406.00
406.00
406.00
406.00
406.00
406.00
386.50
386.50
386.50
386.50
386.50
485.00
485.00
485.00
485.00
485.00
485.00
485.00
485.00
485.00
485.00
534.50
534.50
534.50
534.50
534.50
874.00
874.00
874.00
874.00
874.00
Male Insured / Orang Diinsuranskan Lelaki /

Plan 150
Plan 200
Plan 250
Plan 300
Plan 400
Plan 500
738.50
714.50
705.00
705.00
662.50
593.00
541.50
541.50
541.50
541.50
541.50
445.50
445.50
445.50
445.50
445.50
480.00
480.00
480.00
480.00
480.00
480.00
480.00
480.00
480.00
480.00
446.50
446.50
446.50
446.50
446.50
503.00
503.00
503.00
503.00
503.00
570.00
570.00
570.00
570.00
570.00
713.00
713.00
713.00
713.00
738.50
1,010.50
1,010.50
1,010.50
1,010.50
1,010.50
883.50
855.00
823.00
767.50
742.50
699.50
645.00
645.00
645.00
645.00
645.00
526.50
526.50
526.50
526.50
526.50
525.00
525.00
525.00
525.00
525.00
558.00
558.00
558.00
558.00
558.00
554.00
554.00
554.00
554.00
554.00
648.00
648.00
648.00
648.00
648.00
714.00
714.00
714.00
714.00
714.00
898.00
898.00
898.00
898.00
952.00
1,196.00
1,196.00
1,196.00
1,196.00
1,290.00
1,039.00
1,005.00
971.00
901.00
849.50
849.50
772.00
772.00
772.00
772.00
772.00
630.00
630.00
630.00
630.00
630.00
630.00
630.00
630.00
630.00
630.00
650.00
650.00
685.50
685.50
685.50
685.50
685.50
685.50
685.50
741.50
741.50
741.50
741.50
741.50
741.50
806.00
806.00
806.00
806.00
960.00
1,044.00
1,044.00
1,044.00
1,044.00
1,334.00
1,344.00
1,344.00
1,344.00
1,344.00
1,786.50
1,184.00
1,148.00
1,107.00
1,028.00
1,010.00
1,010.00
943.50
943.50
943.50
943.50
943.50
790.00
790.00
790.00
790.00
790.00
819.00
819.00
819.00
819.00
819.00
828.00
828.00
828.00
828.00
828.00
828.00
828.00
828.00
828.00
828.00
930.00
930.00
930.00
930.00
930.00
1,056.00
1,056.00
1,056.00
1,056.00
1,056.00
1,278.00
1,278.00
1,278.00
1,278.00
1,335.00
1,743.00
1,743.00
1,743.00
1,743.00
1,786.50
1,327.00
1,282.00
1,266.00
1,266.00
1,195.50
1,092.00
988.00
988.00
988.00
988.00
988.00
832.00
832.00
832.00
832.00
832.00
1,156.00
1,156.00
1,156.00
1,156.00
1,156.00
1,120.00
1,120.00
1,120.00
1,120.00
1,120.00
1,056.00
1,056.00
1,056.00
1,056.00
1,056.00
1,464.00
1,464.00
1,464.00
1,464.00
1,464.00
1,404.00
1,404.00
1,404.00
1,404.00
1,404.00
1,684.00
1,684.00
1,684.00
1,684.00
1,740.00
2,636.00
2,636.00
2,636.00
2,636.00
2,636.00
1,503.50
1,503.50
1,503.50
1,503.50
1,364.00
1,239.50
1,115.00
1,115.00
1,115.00
1,115.00
1,115.00
955.00
955.00
955.00
955.00
955.00
1,425.00
1,425.00
1,425.00
1,425.00
1,425.00
1,370.00
1,370.00
1,370.00
1,370.00
1,370.00
1,225.00
1,225.00
1,225.00
1,225.00
1,225.00
1,845.00
1,845.00
1,845.00
1,845.00
1,845.00
1,740.00
1,740.00
1,740.00
1,740.00
1,740.00
1,935.00
1,935.00
1,935.00
1,935.00
1,955.00
3,335.00
3,335.00
3,335.00
3,335.00
3,335.00
Attained Age/
Umur Dicapai/
Plan 100
Plan 150
Plan 200
Plan 250
Plan 300
Plan 400
Plan 500
1,042.00
1,042.00
1,042.00
1,042.00
1,042.00
1,256.00
1,256.00
1,256.00
1,256.00
1,256.00
2,517.00
2,517.00
2,517.00
2,517.00
2,517.00
3,538.50
3,538.50
3,538.50
3,538.50
3,711.50
3,894.50
4,086.00
4,288.00
4,499.50
4,722.00
4,954.50
5,199.50
5,456.00
5,726.00
6,010.00
6,307.50
6,620.00
6,948.00
7,292.00
7,654.00
7,882.00
8,116.00
8,358.50
8,607.50
8,864.00
9,128.00
9,400.00
9,681.00
9,970.00
10,267.50
10,573.00
10,889.00
11,214.00
11,548.00
1,189.50
1,189.50
1,189.50
1,189.50
1,332.50
1,603.50
1,603.50
1,603.50
1,603.50
1,936.00
2,968.00
2,968.00
2,968.00
2,968.00
2,968.00
5,509.50
5,509.50
5,509.50
5,509.50
5,759.00
5,970.00
6,242.50
6,527.00
6,827.00
7,140.00
7,471.50
7,818.00
8,182.00
8,563.50
8,965.50
9,385.50
9,829.50
10,294.00
10,782.00
11,294.50
11,617.50
11,951.00
12,292.00
12,644.50
13,006.00
13,381.50
13,768.00
14,162.50
14,572.00
14,993.00
15,426.00
15,874.00
16,332.00
16,806.00
1,356.00
1,356.00
1,356.00
1,356.00
1,716.00
2,058.00
2,058.00
2,058.00
2,058.00
2,472.00
3,468.00
3,468.00
3,468.00
3,468.00
3,576.00
6,328.00
6,328.00
6,328.00
6,328.00
6,635.50
6,899.50
7,237.00
7,594.00
7,968.00
8,360.00
8,770.00
9,203.50
9,656.00
10,133.00
10,632.00
11,157.00
11,709.00
12,290.00
12,898.00
13,536.00
13,939.50
14,352.00
14,781.00
15,219.50
15,674.00
16,139.50
16,621.00
17,115.50
17,624.00
18,149.00
18,688.00
19,245.00
19,819.50
20,410.00
1,786.50
1,520.00
1,786.50
1,786.50
2,389.50
2,389.50
2,389.50
2,389.50
2,389.50
3,467.00
4,010.00
4,010.00
4,010.00
4,010.00
4,925.00
8,892.00
8,892.00
8,892.00
8,892.00
9,256.00
9,572.00
9,972.00
10,392.00
10,834.00
11,296.00
11,784.00
12,296.00
12,834.00
13,398.00
13,990.00
14,614.00
15,268.00
15,950.00
16,672.00
17,430.00
17,904.00
18,394.00
18,902.00
19,424.00
19,960.00
20,512.00
21,080.00
21,668.00
22,272.00
22,894.00
23,534.00
24,194.00
24,874.00
25,574.00
1,971.00
1,971.00
1,971.00
1,971.00
2,389.50
2,904.00
2,904.00
2,904.00
2,904.00
3,468.00
5,034.00
5,034.00
5,034.00
5,034.00
5,034.00
9,846.00
9,846.00
9,846.00
9,846.00
10,236.00
10,560.00
10,983.00
11,430.00
11,898.00
12,387.00
12,900.00
13,446.00
14,013.00
14,607.00
15,234.00
15,894.00
16,581.00
17,307.00
18,069.00
18,867.00
19,371.00
19,890.00
20,427.00
20,973.00
21,540.00
22,122.00
22,725.00
23,346.00
23,982.00
24,639.00
25,317.00
26,013.00
26,733.00
27,471.00
2,788.00
2,788.00
2,788.00
2,788.00
3,020.00
3,672.00
3,672.00
3,672.00
3,672.00
4,236.00
6,940.00
6,940.00
6,940.00
6,940.00
6,940.00
11,804.00
11,804.00
11,804.00
11,804.00
12,284.00
12,676.00
13,200.00
13,736.00
14,312.00
14,916.00
15,544.00
16,212.00
16,912.00
17,640.00
18,404.00
19,212.00
20,052.00
20,936.00
21,872.00
22,852.00
23,472.00
24,108.00
24,756.00
25,436.00
26,132.00
26,844.00
27,576.00
28,336.00
29,124.00
29,928.00
30,756.00
31,616.00
32,496.00
33,400.00
3,565.00
3,565.00
3,565.00
3,565.00
3,565.00
4,415.00
4,415.00
4,415.00
4,415.00
4,805.00
8,825.00
8,825.00
8,825.00
8,825.00
8,825.00
13,715.00
13,715.00
13,715.00
13,715.00
14,280.00
14,730.00
15,350.00
15,970.00
16,650.00
17,360.00
18,095.00
18,875.00
19,695.00
20,555.00
21,450.00
22,395.00
23,380.00
24,410.00
25,515.00
26,665.00
27,400.00
28,140.00
28,895.00
29,690.00
30,515.00
31,355.00
32,200.00
33,090.00
34,025.00
34,970.00
35,935.00
36,945.00
37,975.00
39,040.00
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71*
72*
73*
74*
75*
76*
77*
78*
79*
80*
81*
82*
83*
84*
85*
86*
87*
88*
89*
90*
91*
92*
93*
94*
95*
96*
97*
98*
99*
Male Insured / Orang Diinsuranskan Lelaki /
* For renewals only / Untuk pembaharuan sahaja /

A-PlusMeds 1st and 2nd policy year Cost of Insurance shall be discounted by 20% and 10% respectively
based on the above table. / Kos Insurans A-PlusMed bagi tahun polisi pertama dan kedua akan
didiskaunkan sebanyak 20% dan 10% masing-masing berdasarkan jadual di atas. / A-PlusMed
20%10%
32
33
A-PlusMed
A-PlusMed
Attained Age/
Female Insured / Orang Diinsuranskan Perempuan /
Umur Dicapai/
Plan 100 Plan 150 Plan 200 Plan 250 Plan 300 Plan 400
1,015.50
804.00
681.00
641.00
575.00
452.00
0
1,015.50
804.00
681.00
641.00
575.00
452.00
1
1,015.50
804.00
681.00
641.00
575.00
452.00
2
1,015.50
804.00
681.00
641.00
571.50
452.00
3
1,015.50
804.00
681.00
641.00
571.50
452.00
4
902.50
804.00
681.00
622.50
524.50
400.50
5
896.00
886.00
730.00
611.50
512.50
349.00
6
896.00
886.00
730.00
611.50
512.50
349.00
7
896.00
886.00
730.00
611.50
512.50
349.00
8
896.00
886.00
730.00
611.50
512.50
349.00
9
896.00
886.00
730.00
611.50
512.50
349.00
10
700.00
689.00
580.00
486.50
410.50
279.50
11
700.00
689.00
580.00
486.50
410.50
279.50
12
700.00
689.00
580.00
486.50
410.50
279.50
13
700.00
689.00
580.00
486.50
410.50
279.50
14
700.00
689.00
580.00
486.50
410.50
279.50
15
956.00
891.00
732.00
619.50
514.00
354.50
16
956.00
891.00
732.00
619.50
514.00
354.50
17
956.00
891.00
732.00
619.50
514.00
354.50
18
956.00
891.00
732.00
619.50
514.00
354.50
19
956.00
891.00
732.00
619.50
514.00
354.50
20
996.00
912.00
752.00
621.00
522.00
356.00
21
996.00
912.00
752.00
621.00
522.00
356.00
22
996.00
912.00
752.00
621.00
522.00
356.00
23
996.00
912.00
752.00
621.00
522.00
356.00
24
996.00
912.00
752.00
621.00
522.00
356.00
25
992.00
912.00
752.00
621.00
522.00
356.00
26
992.00
912.00
752.00
621.00
522.00
356.00
27
992.00
912.00
752.00
621.00
522.00
356.00
28
992.00
912.00
752.00
621.00
522.00
356.00
29
1,004.00
925.50
925.50
633.50
522.00
356.00
30
1,076.00
930.00
925.50
633.50
526.00
363.50
31
1,076.00
930.00
925.50
633.50
526.00
363.50
32
1,076.00
930.00
925.50
633.50
526.00
363.50
33
1,076.00
930.00
925.50
633.50
526.00
363.50
34
1,076.00
930.00
925.50
633.50
526.00
363.50
35
1,408.00
1,218.00
974.00
819.50
684.00
477.00
36
1,408.00
1,218.00
974.00
819.50
684.00
477.00
37
1,408.00
1,218.00
974.00
819.50
684.00
477.00
38
1,408.00
1,218.00
974.00
819.50
684.00
477.00
39
1,408.00
1,218.00
1,136.50
819.50
684.00
477.00
40
1,900.00
1,641.00
1,308.00
1,102.50
918.00
638.50
41
1,900.00
1,641.00
1,308.00
1,102.50
918.00
638.50
42
1,900.00
1,641.00
1,308.00
1,102.50
918.00
638.50
43
1,900.00
1,641.00
1,308.00
1,102.50
918.00
638.50
44
1,900.00
1,641.00
1,416.50
1,102.50
918.00
638.50
45
2,384.00
2,085.00
1,698.00
1,426.00
1,176.00
821.00
46
2,384.00
2,085.00
1,698.00
1,426.00
1,176.00
821.00
47
2,384.00
2,085.00
1,698.00
1,426.00
1,176.00
821.00
48
2,384.00
2,085.00
1,698.00
1,426.00
1,176.00
821.00
49
2,384.00
2,085.00
1,698.00
1,426.00
1,176.00
821.00
50
Attained Age/
Female Insured / Orang Diinsuranskan Perempuan /
Umur Dicapai/
2,892.00
2,529.00
1,982.00
1,675.50
1,362.00
999.50
51
2,892.00
2,529.00
1,982.00
1,675.50
1,362.00
999.50
52
2,892.00
2,529.00
1,982.00
1,675.50
1,362.00
999.50
53
2,892.00
2,529.00
1,982.00
1,675.50
1,362.00
999.50
54
2,892.00
2,529.00
2,003.00
1,675.50
1,362.00
999.50
55
3,584.00
3,243.00
2,594.00
2,160.00
1,772.50
1,237.00
56
3,584.00
3,243.00
2,594.00
2,160.00
1,772.50
1,237.00
57
3,584.00
3,243.00
2,594.00
2,160.00
1,772.50
1,237.00
58
3,584.00
3,243.00
2,594.00
2,160.00
1,772.50
1,237.00
59
3,584.00
3,243.00
2,829.00
2,160.00
1,772.50
1,237.00
60
6,016.00
5,049.00
4,008.00
3,328.00
2,820.00
2,523.50
61
6,016.00
5,049.00
4,008.00
3,328.00
2,820.00
2,523.50
62
6,016.00
5,049.00
4,008.00
3,328.00
2,820.00
2,523.50
63
6,016.00
5,049.00
4,008.00
3,328.00
2,820.00
2,523.50
64
6,016.00
5,049.00
4,008.00
3,328.00
2,820.00
2,523.50
65
11,900.00
9,888.00
8,830.00
6,312.00
5,465.00
3,548.00
66
11,900.00
9,888.00
8,830.00
6,312.00
5,465.00
3,548.00
67
11,900.00
9,888.00
8,830.00
6,312.00
5,465.00
3,548.00
68
11,900.00
9,888.00
8,830.00
6,312.00
5,465.00
3,548.00
69
10,275.00 12,380.00
9,194.00
6,621.00
5,712.00
3,718.00
70
10,599.00 12,780.00
9,506.00
6,885.00
5,921.00
3,896.00
71*
11,022.00 13,312.00
9,910.00
7,224.00
6,191.00
4,086.50
72*
10,330.00 11,469.00 13,864.00
7,581.00
6,472.00
4,289.00
73*
10,770.00 11,937.00 14,440.00
7,954.00
6,769.50
4,500.00
74*
11,234.00 12,429.00 15,048.00
8,344.00
7,080.00
4,722.50
75*
11,722.00 12,945.00 15,680.00
8,755.50
7,408.00
4,955.50
76*
12,236.00 13,488.00 16,356.00
9,189.00
7,752.00
5,200.00
77*
12,772.00 14,058.00 17,060.00
9,642.00
8,112.00
5,458.00
78*
10,117.00 13,334.00 14,652.00 17,796.00
8,491.50
5,727.50
79*
10,618.00 13,926.00 15,282.00 18,572.00
8,888.50
6,011.50
80*
11,144.00 14,548.00 15,939.00 19,384.00
9,306.00
6,309.00
81*
11,694.50 15,200.00 16,626.00 20,236.00
9,744.00
6,622.00
82*
10,205.00 12,274.00 15,886.00 17,355.00 21,136.00
6,950.00
83*
10,690.00 12,882.00 16,606.00 18,114.00 22,076.00
7,294.00
84*
11,197.50 13,522.00 17,364.00 18,918.00 23,068.00
7,655.50
85*
11,516.50 13,922.00 17,838.00 19,422.00 23,688.00
7,883.50
86*
11,846.50 14,338.00 18,330.00 19,941.00 24,328.00
8,118.00
87*
12,185.00 14,763.50 18,834.00 20,475.00 24,988.00
8,360.00
88*
12,534.00 15,203.50 19,356.00 21,027.00 25,672.00
8,609.00
89*
12,894.00 15,656.00 19,894.00 21,594.00 26,376.00
8,866.00
90*
13,265.00 16,122.00 20,446.00 22,182.00 27,100.00
9,130.00
91*
13,649.00 16,602.00 21,014.00 22,782.00 27,848.00
9,402.50
92*
14,044.00 17,094.50 21,600.00 23,403.00 28,620.00
9,682.50
93*
14,450.50 17,605.00 22,202.00 24,042.00 29,408.00
9,971.50
94*
10,269.00 14,869.50 18,130.00 22,824.00 24,699.00 30,224.00
95*
10,575.50 15,301.50 18,669.00 23,464.00 25,377.00 31,064.00
96*
10,891.50 15,744.00 19,226.00 24,124.00 26,076.00 31,928.00
97*
11,216.00 16,202.50 19,800.00 24,802.00 26,796.00 32,812.00
98*
11,550.50 16,673.00 20,390.50 25,500.00 27,537.00 33,732.00
99*
Plan 500
1,215.00
1,215.00
1,215.00
1,165.00
1,165.00
1,055.00
945.00
945.00
945.00
945.00
945.00
730.00
730.00
730.00
730.00
730.00
1,095.00
1,095.00
1,095.00
1,095.00
1,095.00
1,170.00
1,170.00
1,170.00
1,170.00
1,170.00
1,150.00
1,150.00
1,150.00
1,150.00
1,160.00
1,295.00
1,295.00
1,295.00
1,295.00
1,295.00
1,735.00
1,735.00
1,735.00
1,735.00
1,735.00
2,305.00
2,305.00
2,305.00
2,305.00
2,305.00
2,825.00
2,825.00
2,825.00
2,825.00
2,825.00
Plan 500
3,575.00
3,575.00
3,575.00
3,575.00
3,575.00
4,235.00
4,235.00
4,235.00
4,235.00
4,235.00
8,460.00
8,460.00
8,460.00
8,460.00
8,460.00
14,015.00
14,015.00
14,015.00
14,015.00
14,585.00
15,050.00
15,690.00
16,345.00
17,025.00
17,750.00
18,495.00
19,310.00
20,145.00
21,020.00
21,940.00
22,910.00
23,920.00
24,990.00
26,115.00
27,295.00
28,035.00
28,795.00
29,580.00
30,395.00
31,235.00
32,090.00
32,985.00
33,905.00
34,845.00
35,820.00
36,820.00
37,845.00
38,900.00
39,995.00

20%10%
34
35
A-PlusMed
A-PlusMed
Attained Age/ Male Insured and Children / Orang Diinsuranskan Lelaki dan Anak /
Umur Dicapai/
Plan 100 Plan 150 Plan 200 Plan 250 Plan 300 Plan 400 Plan 500
4,565.00
3,920.00
3,303.00
2,702.50
2,302.00
2,004.00
16
1,536.00
4,565.00
3,920.00
3,303.00
2,702.50
2,302.00
2,004.00
17
1,536.00
4,565.00
3,920.00
3,303.00
2,702.50
2,302.00
2,004.00
18
1,536.00
4,565.00
3,920.00
3,303.00
2,702.50
2,302.00
2,004.00
19
1,536.00
4,565.00
3,920.00
3,303.00
2,702.50
2,302.00
2,004.00
20
1,536.00
4,510.00
3,884.00
3,312.00
2,722.50
2,336.00
2,004.00
21
1,536.00
4,510.00
3,884.00
3,312.00
2,722.50
2,336.00
2,004.00
22
1,536.00
4,510.00
3,884.00
3,312.00
2,757.50
2,336.00
2,004.00
23
1,536.00
4,510.00
3,884.00
3,312.00
2,757.50
2,336.00
2,004.00
24
1,536.00
4,510.00
3,884.00
3,312.00
2,757.50
2,336.00
2,004.00
25
1,536.00
4,365.00
3,820.00
3,312.00
2,757.50
2,332.00
1,969.50
26
1,516.00
4,365.00
3,820.00
3,312.00
2,757.50
2,332.00
1,969.50
27
1,516.00
4,365.00
3,820.00
3,312.00
2,757.50
2,332.00
1,969.50
28
1,516.00
4,365.00
3,820.00
3,312.00
2,757.50
2,332.00
1,969.50
29
1,516.00
4,365.00
3,820.00
3,312.00
2,812.50
2,332.00
1,969.50
30
1,516.00
4,985.00
4,228.00
3,414.00
2,812.50
2,426.00
2,026.50
31
1,615.00
4,985.00
4,228.00
3,414.00
2,812.50
2,426.00
2,026.50
32
1,615.00
4,985.00
4,228.00
3,414.00
2,812.50
2,426.00
2,026.50
33
1,615.00
4,985.00
4,228.00
3,414.00
2,812.50
2,426.00
2,026.50
34
1,615.00
4,985.00
4,228.00
3,414.00
2,812.50
2,426.00
2,026.50
35
1,615.00
4,880.00
4,168.00
3,540.00
2,877.50
2,492.00
2,094.00
36
1,615.00
4,880.00
4,168.00
3,540.00
2,877.50
2,492.00
2,094.00
37
1,615.00
4,880.00
4,168.00
3,540.00
2,877.50
2,492.00
2,094.00
38
1,615.00
4,880.00
4,168.00
3,540.00
2,877.50
2,492.00
2,094.00
39
1,615.00
4,880.00
4,168.00
3,540.00
3,032.50
2,492.00
2,094.00
40
1,615.00
5,075.00
4,448.00
3,762.00
3,115.00
2,676.00
2,236.50
41
1,664.00
5,075.00
4,448.00
3,762.00
3,115.00
2,676.00
2,236.50
42
1,664.00
5,075.00
4,448.00
3,762.00
3,115.00
2,676.00
2,236.50
43
1,664.00
5,075.00
4,448.00
3,762.00
3,115.00
2,676.00
2,236.50
44
1,664.00
5,095.00
4,504.00
3,819.00
3,405.00
2,730.00
2,262.00
45
1,664.00
6,475.00
5,400.00
4,227.00
3,415.00
2,974.00
2,533.50
46
2,004.00
5,400.00
4,227.00
3,415.00
2,974.00
2,533.50
47
2,004.00
6,475.00
5,400.00
4,227.00
3,415.00
2,974.00
2,533.50
48
2,004.00
6,475.00
5,400.00
4,227.00
3,415.00
2,974.00
2,533.50
49
2,004.00
6,475.00
5,400.00
4,269.00
3,857.50
3,068.00
2,533.50
50
2,004.00
6,475.00
5,552.00
4,455.00
3,857.50
3,134.00
2,713.50
51
2,172.00
6,705.00
5,552.00
4,455.00
3,592.50
3,134.00
2,713.50
52
2,172.00
6,705.00
5,552.00
4,455.00
3,857.50
3,134.00
2,713.50
53
2,172.00
6,705.00
5,552.00
4,455.00
3,857.50
3,134.00
2,713.50
54
2,172.00
6,705.00
5,784.00
4,872.00
4,462.50
3,494.00
2,856.00
55
2,172.00
6,705.00
6,436.00
5,388.00
4,462.50
3,836.00
3,127.50
56
2,386.00
7,555.00
6,436.00
5,388.00
4,462.50
3,836.00
3,127.50
57
2,386.00
7,555.00
6,436.00
5,388.00
4,462.50
3,836.00
3,127.50
58
2,386.00
7,555.00
6,436.00
5,388.00
4,462.50
3,836.00
3,127.50
59
2,386.00
7,555.00
7,000.00
5,952.00
5,540.00
4,250.00
3,459.00
60
2,386.00
7,945.00
9,704.00
7,518.00
6,082.50
5,246.00
4,491.00
61
3,647.00
11,965.00
9,704.00
7,518.00
6,082.50
5,246.00
4,491.00
62
3,647.00
11,965.00
9,704.00
7,518.00
6,082.50
5,246.00
4,491.00
63
3,647.00
11,965.00
9,704.00
7,518.00
6,082.50
5,246.00
4,491.00
64
3,647.00
11,965.00
9,704.00
7,518.00
6,997.50
5,354.00
4,491.00
65
3,647.00
11,965.00
10,965.00 12,330.00 14,568.00 16,855.00
8,106.00
7,033.50
66
4,668.00
Attained Age/ Male Insured and Children / Orang Diinsuranskan Lelaki dan Anak /
Umur Dicapai/
10,965.00 12,330.00 14,568.00 16,855.00

8,106.00
7,033.50
67
4,668.00
10,965.00 12,330.00 14,568.00 16,855.00
8,106.00
7,033.50
68
4,668.00
10,965.00 12,330.00 14,568.00 16,855.00
8,106.00
7,033.50
69
4,668.00
11,327.50 12,720.00 15,048.00 17,420.00
8,414.00
7,282.50
70
4,841.00
11,645.00 13,044.00 15,440.00 17,870.00
8,678.00
7,494.00
71*
5,024.00
12,045.00 13,467.00 15,964.00 18,490.00
9,014.00
7,765.50
72*
5,216.00
12,465.00 13,914.00 16,500.00 19,110.00
9,372.00
8,050.50
73*
5,418.00
12,905.00 14,382.00 17,076.00 19,790.00
9,746.00
8,350.50
74*
5,629.00
10,138.00 13,367.50 14,871.00 17,680.00 20,500.00
8,664.00
75*
5,852.00
10,548.00 13,855.00 15,384.00 18,308.00 21,235.00
8,995.50
76*
6,084.00
10,982.00 14,367.50 15,930.00 18,976.00 22,015.00
9,342.00
77*
6,329.00
11,434.00 14,905.00 16,497.00 19,676.00 22,835.00
9,705.00
78*
6,586.00
10,087.50 11,910.00 15,470.00 17,091.00 20,404.00 23,695.00
79*
6,856.00
10,489.50 12,410.00 16,062.50 17,718.00 21,168.00 24,590.00
80*
7,140.00
10,909.50 12,934.00 16,685.00 18,378.00 21,976.00 25,535.00
81*
7,437.00
11,353.50 13,486.00 17,340.00 19,065.00 22,816.00 26,520.00
82*
7,750.00
11,817.00 14,068.00 18,022.50 19,791.00 23,700.00 27,550.00
83*
8,078.00
12,306.00 14,676.00 18,745.00 20,553.00 24,636.00 28,655.00
84*
8,422.00
12,817.50 15,314.00 19,502.50 21,351.00 25,616.00 29,805.00
85*
8,784.00
13,141.50 15,718.00 19,975.00 21,855.00 26,236.00 30,540.00
86*
9,012.00
13,474.50 16,130.00 20,465.00 22,374.00 26,872.00 31,280.00
87*
9,246.00
13,815.00 16,558.00 20,975.00 22,911.00 27,520.00 32,035.00
88*
9,488.00
14,167.50 16,998.00 21,495.00 23,457.00 28,200.00 32,830.00
89*
9,737.00
14,529.00 17,452.00 22,032.50 24,024.00 28,896.00 33,655.00
90*
9,994.00
91*
10,258.00 14,905.50 17,918.00 22,585.00 24,606.00 29,608.00 34,495.00
92*
10,530.00 15,291.00 18,398.00 23,152.50 25,209.00 30,340.00 35,340.00
93*
10,811.00 15,685.50 18,894.00 23,740.00 25,830.00 31,100.00 36,230.00
94*
11,100.00 16,095.00 19,402.00 24,345.00 26,466.00 31,888.00 37,165.00
95*
11,397.00 16,516.50 19,926.00 24,965.00 27,123.00 32,692.00 38,110.00
96*
11,703.00 16,950.00 20,466.00 25,605.00 27,801.00 33,520.00 39,075.00
97*
12,019.00 17,397.00 21,022.00 26,265.00 28,497.00 34,380.00 40,085.00
98*
12,344.00 17,856.00 21,598.00 26,945.00 29,217.00 35,260.00 41,115.00
99*
12,678.00 18,330.00 22,188.00 27,645.00 29,955.00 36,164.00 42,180.00

20%10%
36
37
A-PlusMed
A-PlusMed
Attained Age/ Female Insured and Children / Orang Diinsuranskan Perempuan dan Anak /
Umur Dicapai/
4,235.00
3,720.00
3,375.00
2,805.00
2,398.00
2,037.00
16
1,484.00
4,235.00
3,720.00
3,375.00
2,805.00
2,398.00
2,037.00
17
1,484.00
4,235.00
3,720.00
3,375.00
2,805.00
2,398.00
2,037.00
18
1,484.00
4,235.00
3,720.00
3,375.00
2,805.00
2,398.00
2,037.00
19
1,484.00
4,235.00
3,720.00
3,375.00
2,805.00
2,398.00
2,037.00
20
1,484.00
4,310.00
3,760.00
3,396.00
2,825.00
2,398.00
2,046.00
21
1,486.00
4,310.00
3,760.00
3,396.00
2,825.00
2,398.00
2,046.00
22
1,486.00
4,310.00
3,760.00
3,396.00
2,825.00
2,398.00
2,046.00
23
1,486.00
4,310.00
3,760.00
3,396.00
2,825.00
2,398.00
2,046.00
24
1,486.00
4,310.00
3,760.00
3,396.00
2,825.00
2,398.00
2,046.00
25
1,486.00
4,290.00
3,756.00
3,396.00
2,825.00
2,398.00
2,046.00
26
1,486.00
4,290.00
3,756.00
3,396.00
2,825.00
2,398.00
2,046.00
27
1,486.00
4,290.00
3,756.00
3,396.00
2,825.00
2,398.00
2,046.00
28
1,486.00
4,290.00
3,756.00
3,396.00
2,825.00
2,398.00
2,046.00
29
1,486.00
4,300.00
3,768.00
3,408.00
2,997.50
2,412.00
2,046.00
30
1,486.00
4,435.00
3,840.00
3,414.00
2,997.50
2,412.00
2,049.00
31
1,493.00
4,435.00
3,840.00
3,414.00
2,997.50
2,412.00
2,049.00
32
1,493.00
4,435.00
3,840.00
3,414.00
2,997.50
2,412.00
2,049.00
33
1,493.00
4,435.00
3,840.00
3,414.00
2,997.50
2,412.00
2,049.00
34
1,493.00
4,435.00
3,840.00
3,414.00
2,997.50
2,412.00
2,049.00
35
1,493.00
4,875.00
4,172.00
3,702.00
3,045.00
2,598.00
2,208.00
36
1,607.00
4,875.00
4,172.00
3,702.00
3,045.00
2,598.00
2,208.00
37
1,607.00
4,875.00
4,172.00
3,702.00
3,045.00
2,598.00
2,208.00
38
1,607.00
4,875.00
4,172.00
3,702.00
3,045.00
2,598.00
2,208.00
39
1,607.00
4,875.00
4,172.00
3,702.00
3,207.50
2,598.00
2,208.00
40
1,607.00
5,445.00
4,664.00
4,125.00
3,380.00
2,880.00
2,442.00
41
1,768.00
5,445.00
4,664.00
4,125.00
3,380.00
2,880.00
2,442.00
42
1,768.00
5,445.00
4,664.00
4,125.00
3,380.00
2,880.00
2,442.00
43
1,768.00
5,445.00
4,664.00
4,125.00
3,380.00
2,880.00
2,442.00
44
1,768.00
5,445.00
4,664.00
4,125.00
3,487.50
2,880.00
2,442.00
45
1,768.00
5,965.00
5,148.00
4,569.00
3,770.00
3,204.00
2,700.00
46
1,951.00
5,148.00
4,569.00
3,770.00
3,204.00
2,700.00
47
1,951.00
5,965.00
5,148.00
4,569.00
3,770.00
3,204.00
2,700.00
48
1,951.00
5,965.00
5,148.00
4,569.00
3,770.00
3,204.00
2,700.00
49
1,951.00
5,965.00
5,148.00
4,569.00
3,770.00
3,204.00
2,700.00
50
1,951.00
5,965.00
5,656.00
5,013.00
4,055.00
3,454.00
2,886.00
51
2,129.00
6,715.00
5,656.00
5,013.00
4,055.00
3,454.00
2,886.00
52
2,129.00
6,715.00
5,656.00
5,013.00
4,055.00
3,454.00
2,886.00
53
2,129.00
6,715.00
5,656.00
5,013.00
4,055.00
3,454.00
2,886.00
54
2,129.00
6,715.00
5,656.00
5,013.00
4,075.00
3,454.00
2,886.00
55
2,129.00
6,715.00
6,348.00
5,727.00
4,665.00
3,938.00
3,295.50
56
2,367.00
7,375.00
6,348.00
5,727.00
4,665.00
3,938.00
3,295.50
57
2,367.00
7,375.00
6,348.00
5,727.00
4,665.00
3,938.00
3,295.50
58
2,367.00
7,375.00
6,348.00
5,727.00
4,665.00
3,938.00
3,295.50
59
2,367.00
7,375.00
6,348.00
5,727.00
4,900.00
3,938.00
3,295.50
60
2,367.00
7,375.00
8,780.00
7,533.00
6,080.00
5,106.00
4,344.00
61
3,653.00
11,600.00
8,780.00
7,533.00
6,080.00
5,106.00
4,344.00
62
3,653.00
11,600.00
8,780.00
7,533.00
6,080.00
5,106.00
4,344.00
63
3,653.00
11,600.00
8,780.00
7,533.00
6,080.00
5,106.00
4,344.00
64
3,653.00
11,600.00
8,780.00
7,533.00
6,080.00
5,106.00
4,344.00
65
3,653.00
11,600.00
10,902.50 12,372.00 14,664.00 17,155.00
8,090.00
6,988.50
66
4,678.00
Attained Age/ Female Insured and Children / Orang Diinsuranskan Perempuan dan Anak /
Umur Dicapai/
10,902.50 12,372.00 14,664.00 17,155.00

8,090.00
6,988.50
67
4,678.00
10,902.50 12,372.00 14,664.00 17,155.00
8,090.00
6,988.50
68
4,678.00
10,902.50 12,372.00 14,664.00 17,155.00
8,090.00
6,988.50
69
4,678.00
11,265.00 12,759.00 15,144.00 17,725.00
8,398.00
7,236.00
70
4,848.00
11,577.50 13,083.00 15,544.00 18,190.00
8,662.00
7,444.50
71*
5,026.00
11,982.50 13,506.00 16,076.00 18,830.00
9,002.00
7,714.50
72*
5,216.00
12,402.50 13,953.00 16,628.00 19,485.00
9,358.00
7,995.00
73*
5,419.00
12,842.50 14,421.00 17,204.00 20,165.00
9,732.00
8,293.50
74*
5,630.00
10,122.00 13,305.00 14,913.00 17,812.00 20,890.00
8,604.00
75*
5,852.00
10,534.00 13,795.00 15,429.00 18,444.00 21,635.00
8,931.00
76*
6,085.00
10,966.00 14,307.50 15,972.00 19,120.00 22,450.00
9,276.00
77*
6,330.00
11,420.00 14,845.00 16,542.00 19,824.00 23,285.00
9,636.00
78*
6,588.00
10,015.50 11,894.00 15,405.00 17,136.00 20,560.00 24,160.00
79*
6,857.00
10,411.50 12,396.00 15,997.50 17,766.00 21,336.00 25,080.00
80*
7,141.00
10,830.00 12,922.00 16,620.00 18,423.00 22,148.00 26,050.00
81*
7,439.00
11,268.00 13,472.00 17,272.50 19,110.00 23,000.00 27,060.00
82*
7,752.00
11,728.50 14,052.00 17,957.50 19,839.00 23,900.00 28,130.00
83*
8,080.00
12,213.00 14,660.00 18,677.50 20,598.00 24,840.00 29,255.00
84*
8,424.00
12,721.50 15,300.00 19,435.00 21,402.00 25,832.00 30,435.00
85*
8,785.00
13,039.50 15,700.00 19,910.00 21,906.00 26,452.00 31,175.00
86*
9,013.00
13,369.50 16,116.00 20,402.50 22,425.00 27,092.00 31,935.00
87*
9,248.00
13,708.50 16,542.00 20,905.00 22,959.00 27,752.00 32,720.00
88*
9,490.00
14,058.00 16,982.00 21,427.50 23,511.00 28,436.00 33,535.00
89*
9,739.00
14,418.00 17,434.00 21,965.00 24,078.00 29,140.00 34,375.00
90*
9,996.00
91*
10,260.00 14,788.50 17,900.00 22,517.50 24,666.00 29,864.00 35,230.00
92*
10,532.00 15,172.50 18,380.00 23,085.00 25,266.00 30,612.00 36,125.00
93*
10,812.00 15,567.00 18,872.00 23,672.50 25,887.00 31,384.00 37,045.00
94*
11,101.00 15,973.50 19,382.00 24,275.00 26,526.00 32,172.00 37,985.00
95*
11,399.00 16,393.50 19,908.00 24,895.00 27,183.00 32,988.00 38,960.00
96*
11,705.00 16,825.50 20,446.00 25,535.00 27,861.00 33,828.00 39,960.00
97*
12,021.00 17,268.00 21,004.00 26,195.00 28,560.00 34,692.00 40,985.00
98*
12,346.00 17,725.50 21,578.00 26,875.00 29,280.00 35,576.00 42,040.00
99*
12,680.00 18,196.50 22,168.00 27,572.50 30,021.00 36,496.00 43,135.00

20%10%
38
39
A-PlusMed
A-PlusMed
Attained Age/
Insured and Spouse / Orang Diinsuranskan dan Pasangan /
Umur Dicapai/
Plan
100
2,520.00
2,112.00
1,710.00
1,362.50
1,144.00
994.50
761.00
16
2,520.00
2,112.00
1,710.00
1,362.50
1,144.00
994.50
761.00
17
2,520.00
2,112.00
1,710.00
1,362.50
1,144.00
994.50
761.00
18
2,520.00
2,112.00
1,710.00
1,362.50
1,144.00
994.50
761.00
19
2,520.00
2,112.00
1,710.00
1,362.50
1,144.00
994.50
761.00
20
2,540.00
2,116.00
1,740.00
1,402.50
1,180.00
1,002.00
762.00
21
2,540.00
2,116.00
1,740.00
1,402.50
1,180.00
1,002.00
762.00
22
2,540.00
2,116.00
1,740.00
1,437.50
1,180.00
1,002.00
762.00
23
2,540.00
2,116.00
1,740.00
1,437.50
1,180.00
1,002.00
762.00
24
2,540.00
2,116.00
1,740.00
1,437.50
1,180.00
1,002.00
762.00
25
2,375.00
2,048.00
1,740.00
1,437.50
1,176.00
969.00
743.00
26
2,375.00
2,048.00
1,740.00
1,437.50
1,176.00
969.00
743.00
27
2,375.00
2,048.00
1,740.00
1,437.50
1,176.00
969.00
743.00
28
2,375.00
2,048.00
1,740.00
1,437.50
1,176.00
969.00
743.00
29
2,385.00
2,060.00
1,755.00
1,667.50
1,188.00
969.00
743.00
30
3,140.00
2,540.00
1,860.00
1,667.50
1,282.00
1,029.00
849.00
31
3,140.00
2,540.00
1,860.00
1,667.50
1,282.00
1,029.00
849.00
32
3,140.00
2,540.00
1,860.00
1,667.50
1,282.00
1,029.00
849.00
33
3,140.00
2,540.00
1,860.00
1,667.50
1,282.00
1,029.00
849.00
34
3,140.00
2,540.00
1,860.00
1,667.50
1,282.00
1,029.00
849.00
35
3,475.00
2,812.00
2,274.00
1,780.00
1,534.00
1,254.00
962.00
36
3,475.00
2,812.00
2,274.00
1,780.00
1,534.00
1,254.00
962.00
37
3,475.00
2,812.00
2,274.00
1,780.00
1,534.00
1,254.00
962.00
38
3,475.00
2,812.00
2,274.00
1,780.00
1,534.00
1,254.00
962.00
39
3,475.00
2,812.00
2,274.00
2,097.50
1,534.00
1,254.00
962.00
40
4,240.00
3,584.00
2,919.00
2,352.50
2,000.00
1,630.50
1,173.00
41
4,240.00
3,584.00
2,919.00
2,352.50
2,000.00
1,630.50
1,173.00
42
4,240.00
3,584.00
2,919.00
2,352.50
2,000.00
1,630.50
1,173.00
43
4,240.00
3,584.00
2,919.00
2,352.50
2,000.00
1,630.50
1,173.00
44
4,260.00
3,640.00
2,976.00
2,750.00
2,054.00
1,656.00
1,173.00
45
6,160.00
5,020.00
3,828.00
3,042.50
2,622.00
2,187.00
1,695.00
46
5,020.00
3,828.00
3,042.50
2,622.00
2,187.00
1,695.00
47
6,160.00
5,020.00
3,828.00
3,042.50
2,622.00
2,187.00
1,695.00
48
6,160.00
5,020.00
3,828.00
3,042.50
2,622.00
2,187.00
1,695.00
49
6,160.00
5,020.00
3,873.00
3,485.00
2,716.00
2,187.00
1,695.00
50
6,160.00
5,680.00
4,500.00
3,767.50
3,032.00
2,551.50
2,042.00
51
7,140.00
5,680.00
4,500.00
3,502.50
3,032.00
2,551.50
2,042.00
52
7,140.00
5,680.00
4,500.00
3,767.50
3,032.00
2,551.50
2,042.00
53
7,140.00
5,680.00
4,500.00
3,767.50
3,032.00
2,551.50
2,042.00
54
7,140.00
5,912.00
4,920.00
4,392.50
3,392.00
2,694.00
2,042.00
55
7,140.00
7,256.00
6,147.00
4,982.50
4,218.00
3,376.50
2,493.00
56
8,650.00
7,256.00
6,147.00
4,982.50
4,218.00
3,376.50
2,493.00
57
8,650.00
7,256.00
6,147.00
4,982.50
4,218.00
3,376.50
2,493.00
58
8,650.00
7,256.00
6,147.00
4,982.50
4,218.00
3,376.50
2,493.00
59
8,650.00
7,820.00
6,711.00
6,295.00
4,632.00
3,708.00
2,493.00
60
9,040.00
10,083.00 12,956.00 17,285.00
8,017.50
6,796.00
5,788.50
5,041.00
61
10,083.00 12,956.00 17,285.00
8,017.50
6,796.00
5,788.50
5,041.00
62
10,083.00 12,956.00 17,285.00
8,017.50
6,796.00
5,788.50
5,041.00
63
10,083.00 12,956.00 17,285.00
8,017.50
6,796.00
5,788.50
5,041.00
64
10,083.00 12,956.00 17,285.00
8,932.50
6,904.00
5,788.50
5,041.00
65
10,974.00 12,640.00 17,722.50 19,734.00 23,704.00 27,730.00
7,087.00
66
Attained Age/
Insured and Spouse / Orang Diinsuranskan dan Pasangan /
Umur Dicapai/
Plan
100
10,974.00 12,640.00 17,722.50 19,734.00 23,704.00 27,730.00

7,087.00
67
10,974.00 12,640.00 17,722.50 19,734.00 23,704.00 27,730.00
7,087.00
68
10,974.00 12,640.00 17,722.50 19,734.00 23,704.00 27,730.00
7,087.00
69
11,470.50 13,256.00 18,450.00 20,511.00 24,664.00 28,865.00
7,430.00
70
11,890.50 13,784.00 19,077.50 21,159.00 25,456.00 29,780.00
7,791.00
71*
12,433.50 14,462.00 19,882.50 22,005.00 26,512.00 31,040.00
8,173.00
72*
12,999.00 15,176.00 20,722.50 22,899.00 27,600.00 32,315.00
8,577.00
73*
13,596.00 15,922.00 21,605.00 23,835.00 28,752.00 33,675.00
9,000.00
74*
14,220.00 16,704.00 22,530.00 24,816.00 29,964.00 35,110.00
9,445.00
75*
14,880.00 17,526.00 23,505.00 25,845.00 31,224.00 36,590.00
9,910.00
76*
10,400.00 15,570.00 18,392.00 24,532.50 26,934.00 32,568.00 38,185.00
77*
10,914.00 16,294.50 19,298.00 25,605.00 28,071.00 33,972.00 39,840.00
78*
11,454.00 17,055.00 20,250.00 26,732.50 29,259.00 35,436.00 41,575.00
79*
12,022.00 17,854.50 21,250.00 27,915.00 30,516.00 36,976.00 43,390.00
80*
12,617.00 18,691.50 22,302.00 29,162.50 31,833.00 38,596.00 45,305.00
81*
13,242.00 19,573.50 23,404.00 30,467.50 33,207.00 40,288.00 47,300.00
82*
13,898.00 20,499.00 24,564.00 31,835.00 34,662.00 42,072.00 49,400.00
83*
14,586.00 21,472.50 25,780.00 33,277.50 36,183.00 43,948.00 51,630.00
84*
15,310.00 22,492.50 27,058.00 34,795.00 37,785.00 45,920.00 53,960.00
85*
15,766.00 23,134.50 27,862.00 35,742.50 38,793.00 47,160.00 55,435.00
86*
16,234.00 23,797.50 28,690.00 36,725.00 39,831.00 48,436.00 56,935.00
87*
16,719.00 24,477.00 29,544.00 37,735.00 40,902.00 49,744.00 58,475.00
88*
17,217.00 25,179.00 30,424.00 38,780.00 42,000.00 51,108.00 60,085.00
89*
17,730.00 25,900.50 31,330.00 39,855.00 43,134.00 52,508.00 61,750.00
90*
18,258.00 26,646.00 32,262.00 40,957.50 44,304.00 53,944.00 63,445.00
91*
18,803.00 27,417.00 33,224.00 42,095.00 45,507.00 55,424.00 65,185.00
92*
19,364.00 28,206.00 34,210.00 43,267.50 46,749.00 56,956.00 66,995.00
93*
19,942.00 29,022.00 35,230.00 44,475.00 48,024.00 58,532.00 68,870.00
94*
20,537.00 29,862.00 36,280.00 45,717.50 49,338.00 60,152.00 70,790.00
95*
21,149.00 30,727.50 37,358.00 46,997.50 50,694.00 61,820.00 72,755.00
96*
21,781.00 31,618.50 38,472.00 48,317.50 52,089.00 63,544.00 74,790.00
97*
22,430.00 32,535.00 39,620.00 49,675.00 53,529.00 65,308.00 76,875.00
98*
23,099.00 33,478.50 40,800.00 51,075.00 55,008.00 67,132.00 79,035.00
99*

20%10%
40
41
A-PlusMed
A-PlusMed
Attained Age/
Insured and Family / Orang Diinsuranskan dan Keluarga /
Umur Dicapai/
Plan
100
5,660.00
4,876.00
4,194.00
3,435.00
2,922.00
2,518.50
1,891.00
16
5,660.00
4,876.00
4,194.00
3,435.00
2,922.00
2,518.50
1,891.00
17
5,660.00
4,876.00
4,194.00
3,435.00
2,922.00
2,518.50
1,891.00
18
5,660.00
4,876.00
4,194.00
3,435.00
2,922.00
2,518.50
1,891.00
19
5,660.00
4,876.00
4,194.00
3,435.00
2,922.00
2,518.50
1,891.00
20
5,680.00
4,880.00
4,224.00
3,475.00
2,958.00
2,526.00
1,892.00
21
5,680.00
4,880.00
4,224.00
3,475.00
2,958.00
2,526.00
1,892.00
22
5,680.00
4,880.00
4,224.00
3,510.00
2,958.00
2,526.00
1,892.00
23
5,680.00
4,880.00
4,224.00
3,510.00
2,958.00
2,526.00
1,892.00
24
5,680.00
4,880.00
4,224.00
3,510.00
2,958.00
2,526.00
1,892.00
25
5,515.00
4,812.00
4,224.00
3,510.00
2,954.00
2,493.00
1,873.00
26
5,515.00
4,812.00
4,224.00
3,510.00
2,954.00
2,493.00
1,873.00
27
5,515.00
4,812.00
4,224.00
3,510.00
2,954.00
2,493.00
1,873.00
28
5,515.00
4,812.00
4,224.00
3,510.00
2,954.00
2,493.00
1,873.00
29
5,525.00
4,824.00
4,239.00
3,740.00
2,966.00
2,493.00
1,873.00
30
6,280.00
5,304.00
4,344.00
3,740.00
3,060.00
2,553.00
1,979.00
31
6,280.00
5,304.00
4,344.00
3,740.00
3,060.00
2,553.00
1,979.00
32
6,280.00
5,304.00
4,344.00
3,740.00
3,060.00
2,553.00
1,979.00
33
6,280.00
5,304.00
4,344.00
3,740.00
3,060.00
2,553.00
1,979.00
34
6,280.00
5,304.00
4,344.00
3,740.00
3,060.00
2,553.00
1,979.00
35
6,615.00
5,576.00
4,758.00
3,852.50
3,312.00
2,778.00
2,092.00
36
6,615.00
5,576.00
4,758.00
3,852.50
3,312.00
2,778.00
2,092.00
37
6,615.00
5,576.00
4,758.00
3,852.50
3,312.00
2,778.00
2,092.00
38
6,615.00
5,576.00
4,758.00
3,852.50
3,312.00
2,778.00
2,092.00
39
6,615.00
5,576.00
4,758.00
4,170.00
3,312.00
2,778.00
2,092.00
40
7,380.00
6,348.00
5,403.00
4,425.00
3,778.00
3,154.50
2,303.00
41
7,380.00
6,348.00
5,403.00
4,425.00
3,778.00
3,154.50
2,303.00
42
7,380.00
6,348.00
5,403.00
4,425.00
3,778.00
3,154.50
2,303.00
43
7,380.00
6,348.00
5,403.00
4,425.00
3,778.00
3,154.50
2,303.00
44
7,400.00
6,404.00
5,460.00
4,822.50
3,832.00
3,180.00
2,303.00
45
9,300.00
7,784.00
6,312.00
5,115.00
4,400.00
3,711.00
2,825.00
46
7,784.00
6,312.00
5,115.00
4,400.00
3,711.00
2,825.00
47
9,300.00
7,784.00
6,312.00
5,115.00
4,400.00
3,711.00
2,825.00
48
9,300.00
7,784.00
6,312.00
5,115.00
4,400.00
3,711.00
2,825.00
49
9,300.00
7,784.00
6,357.00
5,557.50
4,494.00
3,711.00
2,825.00
50
9,300.00
8,444.00
6,984.00
5,840.00
4,810.00
4,075.50
3,172.00
51
10,280.00
8,444.00
6,984.00
5,575.00
4,810.00
4,075.50
3,172.00
52
10,280.00
8,444.00
6,984.00
5,840.00
4,810.00
4,075.50
3,172.00
53
10,280.00
8,444.00
6,984.00
5,840.00
4,810.00
4,075.50
3,172.00
54
10,280.00
8,676.00
7,404.00
6,465.00
5,170.00
4,218.00
3,172.00
55
10,280.00
10,020.00 11,790.00
8,631.00
7,055.00
5,996.00
4,900.50
3,623.00
56
10,020.00 11,790.00
8,631.00
7,055.00
5,996.00
4,900.50
3,623.00
57
10,020.00 11,790.00
8,631.00
7,055.00
5,996.00
4,900.50
3,623.00
58
10,020.00 11,790.00
8,631.00
7,055.00
5,996.00
4,900.50
3,623.00
59
10,584.00 12,180.00
9,195.00
8,367.50
6,410.00
5,232.00
3,623.00
60
10,090.00 12,567.00 15,720.00 20,425.00
8,574.00
7,312.50
6,171.00
61
10,090.00 12,567.00 15,720.00 20,425.00
8,574.00
7,312.50
6,171.00
62
10,090.00 12,567.00 15,720.00 20,425.00
8,574.00
7,312.50
6,171.00
63
10,090.00 12,567.00 15,720.00 20,425.00
8,574.00
7,312.50
6,171.00
64
11,005.00 12,567.00 15,720.00 20,425.00
8,682.00
7,312.50
6,171.00
65
12,498.00 14,418.00 19,795.00 22,218.00 26,468.00 30,870.00
8,217.00
66
Attained Age/
Insured and Family / Orang Diinsuranskan dan Keluarga /
Umur Dicapai/
Plan
100
12,498.00 14,418.00 19,795.00 22,218.00 26,468.00 30,870.00

8,217.00
67
12,498.00 14,418.00 19,795.00 22,218.00 26,468.00 30,870.00
8,217.00
68
12,498.00 14,418.00 19,795.00 22,218.00 26,468.00 30,870.00
8,217.00
69
12,994.50 15,034.00 20,522.50 22,995.00 27,428.00 32,005.00
8,560.00
70
13,414.50 15,562.00 21,150.00 23,643.00 28,220.00 32,920.00
8,921.00
71*
13,957.50 16,240.00 21,955.00 24,489.00 29,276.00 34,180.00
9,303.00
72*
14,523.00 16,954.00 22,795.00 25,383.00 30,364.00 35,455.00
9,707.00
73*
10,130.00 15,120.00 17,700.00 23,677.50 26,319.00 31,516.00 36,815.00
74*
10,575.00 15,744.00 18,482.00 24,602.50 27,300.00 32,728.00 38,250.00
75*
11,040.00 16,404.00 19,304.00 25,577.50 28,329.00 33,988.00 39,730.00
76*
11,530.00 17,094.00 20,170.00 26,605.00 29,418.00 35,332.00 41,325.00
77*
12,044.00 17,818.50 21,076.00 27,677.50 30,555.00 36,736.00 42,980.00
78*
12,584.00 18,579.00 22,028.00 28,805.00 31,743.00 38,200.00 44,715.00
79*
13,152.00 19,378.50 23,028.00 29,987.50 33,000.00 39,740.00 46,530.00
80*
13,747.00 20,215.50 24,080.00 31,235.00 34,317.00 41,360.00 48,445.00
81*
14,372.00 21,097.50 25,182.00 32,540.00 35,691.00 43,052.00 50,440.00
82*
15,028.00 22,023.00 26,342.00 33,907.50 37,146.00 44,836.00 52,540.00
83*
15,716.00 22,996.50 27,558.00 35,350.00 38,667.00 46,712.00 54,770.00
84*
16,440.00 24,016.50 28,836.00 36,867.50 40,269.00 48,684.00 57,100.00
85*
16,896.00 24,658.50 29,640.00 37,815.00 41,277.00 49,924.00 58,575.00
86*
17,364.00 25,321.50 30,468.00 38,797.50 42,315.00 51,200.00 60,075.00
87*
17,849.00 26,001.00 31,322.00 39,807.50 43,386.00 52,508.00 61,615.00
88*
18,347.00 26,703.00 32,202.00 40,852.50 44,484.00 53,872.00 63,225.00
89*
18,860.00 27,424.50 33,108.00 41,927.50 45,618.00 55,272.00 64,890.00
90*
19,388.00 28,170.00 34,040.00 43,030.00 46,788.00 56,708.00 66,585.00
91*
19,933.00 28,941.00 35,002.00 44,167.50 47,991.00 58,188.00 68,325.00
92*
20,494.00 29,730.00 35,988.00 45,340.00 49,233.00 59,720.00 70,135.00
93*
21,072.00 30,546.00 37,008.00 46,547.50 50,508.00 61,296.00 72,010.00
94*
21,667.00 31,386.00 38,058.00 47,790.00 51,822.00 62,916.00 73,930.00
95*
22,279.00 32,251.50 39,136.00 49,070.00 53,178.00 64,584.00 75,895.00
96*
22,911.00 33,142.50 40,250.00 50,390.00 54,573.00 66,308.00 77,930.00
97*
23,560.00 34,059.00 41,398.00 51,747.50 56,013.00 68,072.00 80,015.00
98*
24,229.00 35,002.50 42,578.00 53,147.50 57,492.00 69,896.00 82,175.00
99*

20%10%
42
About AIA Bhd.
AIA Bhd., formerly American International Assurance Bhd., is a leading insurer in Malaysia,
where we have been privileged to do business since 1948. We offer a suite of high quality
products including Protection, Health, Personal Accident, General Insurance, Employee
Benefits, Retirement and Family Takaful options to meet our customers protection and
financial security needs at every life stage. Through our wide and diverse distribution
footprint which comprises a tied agency force of close to 17,000 members, our exclusive
bank partners branches nationwide as well as corporate sales teams and brokers, we give
our customers the choice of deciding how, when and where they connect with us.
Part of the AIA Group, the largest independent publicly listed pan-Asian life insurance
group, AIA Bhd. in Malaysia has the financial strength, experience, service centre
network as well as a well-trained team of more than 2,000 staff to serve its over 2.6
million customers nationwide. As at end 2013, AIA Bhd.s total asset worth was RM42
billion, with a paid-up capital of RM767 million.
Mengenai AIA Bhd.
AIA Bhd., dahulunya American International Assurance Bhd., adalah peneraju utama
syarikat insurans di Malaysia, di mana kami mendapat penghormatan menjalankan
perniagaan sejak 1948. Kami menawarkan rangkaian produk berkualiti tinggi termasuk
opsyen Perlindungan, Kesihatan, Kemalangan Peribadi, Insurans Am, Faedah Pekerja,
Persaraan dan Takaful Keluarga untuk memenuhi keperluan dan jaminan kewangan
pelanggan kami pada setiap peringkat kehidupan mereka. Melalui rangkaian pengedaran
kami yang pelbagai dan luas yang terdiri daripada satu pasukan agensi dengan hampir
17,000 anggota, cawangan rakan kongsi bank kami yang eksklusif di seluruh negara serta
pasukan jualan korporat dan broker, kami memberi pelanggan kami pilihan dalam
menentukan bagaimana, bila dan di mana mereka menghubungi kami.
Sebahagian daripada Kumpulan AIA, kumpulan insurans nyawa pan-Asia tersenarai
awam terbesar dan bebas, AIA Bhd. di Malaysia mempunyai kekuatan kewangan,
pengalaman, rangkaian pusat perkhidmatan serta satu pasukan cukup terlatih terdiri
daripada lebih 2,000 kakitangan yang memberi perkhidmatan kepada lebih 2.6 juta
pelanggan di seluruh negara.Sehingga akhir 2013, jumlah aset AIA Bhd. bernilai RM42
bilion, dengan modal berbayar sebanyak RM767juta.
(AIA Bhd.) American International Assurance Bhd.

1948
260 2013
420 7.67
Contact Us
& Find Out More
If you have any further queries, kindly contact
your AIA Life Planner / AIA authorized representative at:
AIA Bhd. (790895-D)

Menara AIA, 99 Jalan Ampang
50450 Kuala Lumpur
Care Line : 1300 88 1899
T : 03-2056 1111
F : 03-2056 3891
AIA.COM.MY
AIA Bhd. is licensed under the Financial Services Act 2013 and regulated by the Central Bank of Malaysia (Bank Negara Malaysia).

Comprehensive Medical Plan for Worry-Free Healthcare (A-PlusMed

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Comprehensive Medical Plan for Worry-Free Healthcare (A-PlusMed

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HEALTH

The Complete Medical Plan

A-PlusMed offers innovative, market-leading

Its pioneering "Just Swipe" medical

Hassle-free "JUST SWIPE" hospital admissions.

A closer look at the benefits...

Referral Emergency Assistance (REA) Programme5

A-PlusMed provides you the medical coverage up to age 100.

Increasing Annual Limit

Emergency medical evacuation and repatriation,

Emergency medical evacuation and repatriation and

Emergency towing and minor roadside repair, car

Plumbing, locksmith, general repair, air conditioning

Provides information such as Visa, passport and

Zero Co-insurance and Deductible Charges

Hassle-free "Just Swipe" Hospital Admissions4

Optional Protection for the Whole Family

Subject to Annual Limit.

The Schedule of Benefits of A-PlusMed is as follows:

Hospital Room and Board

Home Nursing Care (per confinement)

Additional Hospital Room and

Organ/Bone Marrow Transplant

As charged, subject to Reasonable and Customary Charges

Daily Cash Allowance at

Malaysian Government Service Tax

Intensive Care Unit

Hospital Supplies and Services

Operating Theatre Fees

In-Hospital Physicians Visit

Out-Patient Physiotherapy and

Annual Limit Per Insured (item 1 to 17)

75,000 100,000 125,000 150,000 180,000 220,000 260,000

Overall Lifetime Limit Per Insured

Increasing Annual Limit

As charged, subject to Hospital Room and Board entitlement

Annual Limit shall increase by 5% of the initial

Emergency Accidental Out-Patient

Emergency Accidental Out-Patient

Out-Patient Kidney Dialysis

Emergency Medical Evacuation and

75,000 250,000 312,500 375,000 450,000 550,000 650,000

Find the answers to

On top of this, A-PlusMed provides Increasing Annual Limit of 5% every 2 years

A A-PlusMed is a unit deducting rider attachable to a regular premium Investment-Linked

Is the Cost of Insurance for

What are the fees and charges that I have to pay?

Are the premiums paid for A-PlusMed

eligible for income tax relief?

What are the major exclusions for

A This rider shall not cover:

Who is eligible to buy A-PlusMed

What is the coverage for family members in a plan?

Will my Cost of Insurance increase as my age increases?

Treatment or surgery for Specified Illnesses for a period of 120 days

What are the major exclusions for

A This rider shall not cover (continued):

For your attention:

Service in the armed forces in time of declared or undeclared war or while

Any violation or attempted violation of the law or resistance to arrest; or

2. If the basic policy of the Investment-Linked Insurance to which this rider is

Pregnancy, miscarriage or child birth; or