Hospital & surgical fees
Room, ICU, surgical and hospital service fees are covered as charged, subject to the annual limit.
Welcome aboard 
Raff Abdullah Your Marketing Representative · Capspring Temasik
Congratulations: you’re now covered by A-Life MediFlex (SMART).
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 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.
7 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 numberMy 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 (My AIA app) and IC; the hospital requests a Guarantee Letter and AIA settles directly.
- 6
Non-panel hospital: pay first, then submit the claim within 90 days via the My AIA app or portal for reimbursement.
- 7
Follow the SMART Journey: GP referral → SMART panel specialist & hospital → admission to a SMART hospital. Do this and you only pay the RM500 deductible and avoid the extra 20% SMART Co-Takaful. Emergencies & accidents are exempt.
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-Life MediFlex (SMART):
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.
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 (optional)
Optional add-on (+RM10/month): additional coverage, device cashback & partner discounts.
Emergency evacuation
Emergency medical evacuation and repatriation of up to USD1 million.
What differs between Plan 180, 250 and 350
Not sure which plan you’re on? Check your app or policy to see the plan you chose.
| Benefit | Plan 180 | Plan 250 | Plan 350 |
|---|---|---|---|
| Daily room & board (150 days/year) | RM180 | RM250 | RM350 |
| Overall annual limit | RM180,000 | RM250,000 | RM350,000 |
| Outpatient illness (per year) | RM3,000 | RM4,000 | RM6,000 |
| Home nursing care (lifetime) | RM3,000 | RM4,000 | RM6,000 |
Identical on every plan: Intensive Care Unit (150 days/year) and hospital & surgical fees as charged; emergency evacuation & repatriation up to USD1 million.
No lifetime limit, only the annual limits above, refreshed each year. With the SMART Option, contributions are roughly 20% lower: you pay a RM500 deductible per disability, and if you follow the SMART Journey that’s all you pay (otherwise +20% Co-Takaful, capped RM20,000 per disability). Not sure you have SMART? Check your Schedule of Benefits/PDS or ask me.
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 things 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)
AIA Vitality: optional add-on (+RM10/month)
- An optional wellness programme: join via the My AIA app for RM10/month. Earn points for healthy actions and rise from Bronze → Silver → Gold → Platinum. Learn more about AIA Vitality.
- Additional coverage: room & board upgrade (Gold +50%, Platinum +100%) and a biennial health-screening benefit (up to RM600 by status), with no extra plan contribution.
- Device cashback: buy an eligible fitness device (Apple Watch, Garmin, Samsung) through the app and earn RM10 every week you hit your activity target, up to ~RM1,000.
- Partner discounts: gyms, healthy groceries, sportswear, devices, hotels & cinemas (e.g. Fitness First, Jaya Grocer, PUMA, Samsung). Partners & rewards may change.
Questions you might have
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?
The SMART Option is a cost-saving option: contributions are roughly 20% lower, and you pay a RM500 deductible per disability. Follow the “SMART Journey” (GP referral → SMART panel specialist & hospital) and that’s all you pay; if not, an extra 20% Co-Takaful applies (capped RM20,000 per disability). Emergencies, accidents, post-hospitalisation cancer & dialysis, and government hospitals are exempt from the 20%.
How do I know if I’m on SMART?
Your cost-saving option is listed in the Schedule of Benefits on your certificate/PDS. Not sure? Message me, I’ll check for you.
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 & is it worth it?
An optional wellness programme (RM10/month) via the My AIA app. Three key benefits: (1) additional coverage (room & board upgrade and health screening); (2) device cashback up to ~RM1,000 (Apple Watch/Garmin/Samsung); (3) discounts on gyms, healthy groceries, hotels & more. The more active you are, the higher your status and the bigger the rewards. Want me to work out if it’s worth it for you? Just ask.
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.
More ways I can help
Your protection goes beyond takaful. When you’re ready, here are a few other things I handle for clients.
I’m here for you
I’ve got you, all the way through to claims.
From here, you’re not on your own. To ask something, make a claim, or just double-check anything, text or call me anytime.
Message Raff on WhatsAppor call me at 012-216 9041
Raff Abdullah