Hospital & surgical fees
Room, ICU, surgical and hospital service fees are covered as charged, subject to the annual limit.
Medical card · AIA PUBLIC Takaful
A-Life MediFlex
A standalone medical card with no lifetime limit, to age 100.
A standalone medical & health plan covering hospitalisation and surgery with no lifetime limit up to age 100. Three room & board plans, with optional cost-saving (SMART).
What this plan covers
No lifetime limit
Only an annual limit; coverage renews each year up to age 100.
Cancer & advanced treatment
Includes immunotherapy, targeted therapy, robotic surgery and proton beam therapy for cancer.
Outpatient care
Pre- & post-hospitalisation, kidney dialysis, outpatient cancer treatment and day surgery.
AIA Vitality rewards
Join AIA Vitality (no extra contribution) for room & board upgrades and health-screening benefits.
Emergency evacuation
Emergency medical evacuation and repatriation of up to USD1 million.
Plan comparison
| Plan 180 | Plan 250 | Plan 350 | |
|---|---|---|---|
| Daily room & board (150 days/year) | RM180 | RM250 | RM350 |
| Intensive Care Unit (150 days/year) | As charged | As charged | As charged |
| Hospital & surgical fees | As charged | As charged | As charged |
| Outpatient illness (per year) | RM3,000 | RM4,000 | RM6,000 |
| Home nursing care (lifetime) | RM3,000 | RM4,000 | RM6,000 |
| Emergency evacuation & repatriation | Up to USD1M | Up to USD1M | Up to USD1M |
Overall annual limits — please refer to the PDS. The Cost Saving / SMART option (if included) uses a deductible and can make contributions roughly 20% lower.
Advanced treatments covered
The plan covers advanced treatments approved by the Ministry of Health & FDA Malaysia, including (not exhaustive and subject to AIA’s revision):
- Immunotherapy for cancer
- Targeted therapy for cancer
- Hormone therapy
- Robotic surgery for prostate cancer (robotic prostatectomy)
- Cryoablation
- Brachytherapy for cancer
- Deep Brain Stimulation (DBS) for Parkinson’s
- Stem cells for hematopoietic cell transplant
- Neutron Beam Radiation Therapy (NBRT)
- Proton Beam Radiotherapy (PBRT)
Important to know
Waiting periods
- Accidental injury — none
- Illness & outpatient dialysis — 30 days
- Outpatient cancer treatment — 60 days
- Specified illnesses (hypertension, diabetes, heart, tumours, cysts, hernias, haemorrhoids, stones, endometriosis, spine & knee) — 120 days
Key exclusions
- Pre-existing conditions
- Pregnancy, miscarriage or childbirth
- Elective/cosmetic surgery, corrective lenses, hearing aids
- Mental or nervous disorders; alcohol/drug treatment
- Dental care (unless from an accident)
- Treatment that is not medically necessary
- Overseas treatment if abroad more than 90 consecutive days (except Singapore & Brunei)
Good to know
- 31-day grace period
- Coverage renews each year up to age 100
- Overseas cover is based on reasonable & customary charges equivalent to Malaysia
- 50:50 surplus sharing (A-Life MediFlex-i) if no claim that financial year
Using your card
- Panel hospital (cashless): show your digital medical card (AIA+ MY app) and IC; the hospital requests a Guarantee Letter and AIA settles directly.
- Non-panel hospital: pay first, then submit the claim within 90 days via the AIA+ app or portal for reimbursement.
- SMART option: follow the “SMART Journey” using SMART panel clinics & hospitals for contributions roughly 20% lower and to avoid SMART Co-Takaful.
- Download the AIA+ MY app to manage your certificate, card and claims.
Common questions
What is A-Life MediFlex?
A standalone medical takaful card from AIA PUBLIC Takaful covering hospitalisation and surgery with no lifetime limit, up to age 100, with three room & board plans.
Is there a lifetime limit?
No. Only an annual limit, and coverage renews each year up to age 100.
What is the SMART option?
A cost-saving option. If you follow the “SMART Journey” (SMART panel clinics, specialists and hospitals), contributions are lower (around 20%) and you only pay a deductible. If not followed, an additional SMART Co-Takaful applies.
What advanced treatments are covered?
These include immunotherapy, targeted therapy, robotic prostate surgery and proton beam therapy — subject to Ministry of Health & FDA Malaysia approval and AIA’s revision.
Can I use it overseas?
Yes, based on reasonable & customary charges equivalent to treatment in Malaysia. No cover if abroad more than 90 consecutive days (except Singapore & Brunei).
What is AIA Vitality?
A wellness programme (no extra contribution). Gold/Platinum status unlocks room & board upgrades and health-screening benefits.
Important disclaimer. This information is general education only and is not the terms of your takaful certificate. For the actual benefits, limits and terms, refer to the Product Disclosure Sheet (PDS) and your takaful certificate. A-Life MediFlex is operated by AIA PUBLIC Takaful Bhd. Benefits are protected by PIDM subject to limits. Raff Abdullah is a Marketing Representative under Capspring Temasik, not a licensed financial adviser.
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