Welcome aboard

Congratulations: you’re now covered by A-Plus Health360-i.

You just did something big for the people you love. Now you can breathe a little easier. There are only a few simple steps left, and I’ll be right beside you for each one.

Tak susah. Janji faham.

Raff Abdullah Your Marketing Representative · Capspring Temasik

Start my steps Message Raff

This is your onboarding guide to help you get started. Save it and refer back whenever you need help, or just message me.

Onboarding · step by step

Let’s get you set up, one step at a time.

9 simple steps · just a few minutes

1

Save my number, the most important step. Tap the button; your Contacts open with my details already filled in. Just tap Save. So you can reach me anytime, especially in an emergency, and get important updates. I also send urgent alerts by WhatsApp broadcast, and WhatsApp only delivers a broadcast to people who have saved my number, so save it to make sure you never miss one. ＋ Save my number My number: 012-216 9041
2

Register your My AIA account. Sign up on the My AIA portal: this is where you check your details, manage your certificate and download your documents.
3

Download the My AIA app. Install My AIA (App Store or Google Play) and register to view your digital medical card, certificate and manage claims. New to it? See the full app guide.
4

Check your details & download your e-certificate. In the app/portal, confirm your full name, IC number, date of birth and nominee are correct, then download your certificate/PDS and share a copy with your family or next of kin.
5

Panel hospital (cashless): show your digital medical card in the My AIA app along with your IC; the hospital requests a Guarantee Letter and AIA PUBLIC Takaful settles the bill directly.
6

RM500 deductible: you pay the first RM500 each certificate year on items 1–8. After that, eligible expenses are covered up to the annual limit.
7

5% co-takaful: for out-patient illness & physiotherapy treatment (items 9–10) you bear 5%, capped at RM500 per certificate year. This amount offsets your deductible, and vice versa.
8

Exempt: the deductible and co-takaful do not apply to emergency treatment (including accident cases) or treatment at a government healthcare facility.
9

Treated at a SMART Panel Hospital? You get a Preferred Panel Bonus (RM500 or RM1,000) credited to your Health Wallet, once per certificate year, up to 10 times.

Important: make sure your full name, IC number and nominee are exactly correct. Wrong details can delay or affect your claim. Spot anything off? Message me right away and we’ll fix it.

What you’re covered for

Here’s the core protection you get with A-Plus Health360-i:

The figures on this page are the plan’s standard benefits. Your actual sum covered, limits and riders depend on the plan you chose. Always refer to your own policy (certificate & PDS) for your exact numbers.

Annual limit up to RM3 million

Plan 200: RM1,500,000 a year. Plan 300: RM3,000,000 a year. No lifetime limit. The annual limit refreshes every certificate year.

Room & board, no day cap

RM200 (Plan 200) or RM300 (Plan 300) a day, with no limit on the number of days per certificate year. Intensive Care (ICU) as charged.

Before & after hospital

Pre-hospitalisation (90 days), post-discharge (180 days; 365 days for serious conditions), day-care surgery, out-patient kidney dialysis & cancer treatment.

Health Wallet

A No Claim Bonus of RM1,000 (Plan 200) / RM2,500 (Plan 300) for every claim-free year, up to 10 times, plus a Preferred Panel Bonus of RM500/RM1,000 when treated at a SMART Panel Hospital.

Health Rewards with AIA Vitality

Room & board upgrade (+50% Gold, +100% Platinum), Hospitalisation Care Benefit, Health Wallet Booster and the Healthy Retirement Bonus (Plan 300 only).

Emergency evacuation

Emergency medical evacuation & repatriation up to USD1,000,000 per event.

What differs between Plan 200 and Plan 300

Not sure which plan you’re on? Check your app or policy to see the plan you chose.

Benefit	Plan 200	Plan 300
Annual limit	RM1,500,000	RM3,000,000
Room & board per day	RM200	RM300
↳ upgraded at AIA Vitality Gold	RM300	RM450
↳ upgraded at AIA Vitality Platinum	RM400	RM600
Home nursing care (per confinement)	Up to RM3,000	Up to RM6,000
No Claim Bonus (per claim-free year)	RM1,000	RM2,500
Preferred Panel Bonus (SMART Panel)	RM500	RM1,000
Prevention & Primary Care Benefit	Not available	Up to RM1,000 every 2 years
Healthy Retirement Bonus (age 60 / year 10)	Not available	Up to RM1,000

Identical on both plans: no lifetime limit; ICU and in-hospital related fees as charged; pre-hospitalisation (90 days) and post-discharge (180 days, 365 for serious conditions); day-care surgery; out-patient illness & physiotherapy treatment; out-patient kidney dialysis & cancer treatment; emergency accidental out-patient treatment (including dental) + 30 days follow-up; specified maternity complications up to RM10,000 per lifetime; Optical Support (intraocular lens) up to RM7,000 per lifetime; emergency evacuation up to USD1,000,000 per event; the RM500 deductible and the 5% co-takaful (capped at RM500) on items 9–10.

This page is for the plan without the SMART Option. On the SMART Option? See the A-Plus Health360-i (SMART) page.

Important things to know

Waiting periods

Accidental injuries: no waiting period.
Specified illnesses: 120 days, including hypertension, diabetes & cardiovascular disease, tumours/cysts/nodules/polyps, stones of the urinary and biliary systems, ear/nose/throat disease, hernias & haemorrhoids, reproductive-system disease, and spine or knee disorders.
Out-patient cancer treatment: 60 days. Out-patient illness treatment: 30 days.
Specified maternity complications: 1 year (up to RM10,000 per lifetime).
Conditions arising in the first 30 days are not covered, except covered accidental injury.

Health Wallet: what it pays for

Prevention & Primary Care (Plan 300 only): health screening & vaccination up to RM1,000 every 2 certificate years; AIA panel clinic at RM50 per visit, 3 visits a year (combined limit RM1,000 every 2 certificate years).
Special Care: congenital conditions; elective/plastic/cosmetic surgery due to accident or cancer.
Recovery & Support: artificial limb & hearing aid; Recovery Care for cancer, stroke and heart attack.
Mental Health: psychiatrist consultation fees up to RM1,500 per certificate year.
Protect Boost: the balance in your Health Wallet is paid out if the annual limit is fully used, or on death of the person covered (capped at 2× the basic sum covered).

What isn’t covered

Pre-existing illness.
Pregnancy, miscarriage & childbirth, except the covered maternity complications after 1 year.
Elective/plastic/cosmetic surgery and dental care, except where due to accident or cancer as stated.
Congenital or hereditary conditions diagnosed before age 17, except under the Special Care Benefit.
Overseas treatment if you reside or travel outside Malaysia for more than 90 consecutive days (excluding Singapore & Brunei).
This list is not exhaustive: see your certificate contract for the full list.

Eligibility & limits

Entry age: pre-natal 13–35 gestational weeks; post-natal 14 days to age 50 (term to 70) or age 60 (term to 80).
Coverage term: to age 70 or 80, with automatic extension to age 100.
One A-Plus Health360-i per basic certificate; maximum Room & Board of RM1,000 per life, subject to underwriting approval.
There is no family plan. A pregnant lady may participate.

Questions you might have

Which plan is this page for?

This page is for A-Plus Health360-i without the SMART Option. You pay a flat RM500 deductible per certificate year, with no additional 20% co-takaful. On the SMART Option? See the A-Plus Health360-i (SMART) page. Not sure which you have? Check your Schedule of Benefits/PDS, or just ask me.

How is Health360-i different from A-Plus Health Flex-i?

A-Plus Health360-i is the newer medical-card rider for A-Life Idaman. If your certificate still runs on A-Plus Health Flex-i, your benefits and limits follow that Schedule of Benefits, not this page. Ask me and I’ll check which one you’re on.

Is there really no lifetime limit?

Correct. There is only an annual limit, RM1,500,000 (Plan 200) or RM3,000,000 (Plan 300), and it refreshes every certificate year throughout the coverage term.

What do I pay when I’m admitted?

An RM500 deductible per certificate year on items 1–8 (room & board, ICU, surgical fees and the like). For out-patient illness & physiotherapy treatment (items 9–10), a 5% co-takaful capped at RM500 per certificate year. Emergency treatment, accident cases and treatment at a government hospital are exempt from both.

Do I need to be an AIA Vitality member?

It’s not required. Your core cover is the same either way. But as an AIA Vitality member you qualify for Health Rewards: a room & board upgrade, the Hospitalisation Care Benefit, a Health Wallet Booster and the Healthy Retirement Bonus (Plan 300). Claims under Health Rewards do not reduce your annual limit.

Can I use my employer’s medical cover for the deductible?

Yes, subject to that plan’s terms. If it is also with AIA PUBLIC Takaful, they can coordinate payment between both plans using the Guarantee Letter facility (your consent is needed at admission). If it is with another provider, it works on a reimbursement basis.

Important disclaimer. General information for education only, not licensed financial advice. A-Plus Health360-i is a rider attached to the A-Life Idaman family takaful plan, operated by AIA PUBLIC Takaful Bhd. Benefits, limits, waiting periods, exclusions and contributions depend on your plan, age and underwriting. Please refer to your Schedule of Benefits, Product Disclosure Sheet (PDS) and certificate contract. Takaful benefits are protected by PIDM subject to eligibility limits. Raff Abdullah is a registered takaful Marketing Representative (Capspring Temasik), not a licensed financial adviser.

More ways I can help

Your protection goes beyond takaful. When you’re ready, here are a few other things I handle for clients.

Car Insurance & Road Tax

Time to renew your car insurance and road tax? Share a few details and I’ll sort out your quote.

Message Raff

Travel Insurance

Travelling soon? I’ll arrange cover for your trips, local and abroad, so you go with peace of mind.