Medical Insurance
Personal Protection - Your Question and Answer

1. Who can apply?
All citizens and permanent residents of Malaysia aged 1 8 to 60 years old can apply for this plan. You may also cover your spouse and children. Your spouse will be covered for the same benefits as yourself and your dependent children will receive 20% of the benefits. Family shall mean insured's legal spouse and all unmarried and unemployed child/children who are aged 1 to 18 years old, but for a child in full-time tertiary education, the age limit is extended until the midnight preceding his/her 23rd birthday.

2. When does my coverage begin?
Once your proposal is accepted by AHA, your coverage becomes effective from the 1 st of the following month after receipt of premium paid, Your policy will be effective as long as you continue to pay your premium, when due.

3. Am I covered at home, at work, and at leisure?
The plan will cover you 24 hours a day, 365 days a year worldwide, whether you are at work, at home, travelling, or playing sports other than professionally.

4. Do I need to go through a medical check-up?
Neither you nor your family members will be required to have a medical check-up.

5. What is not covered?
The main exclusions under the plan are in respect of events resulting from war, invasion, or civil war; aerial activities or flying as a pilot or crew member in any aircraft; suicide or intentional self-injury; professional sports; sickness or disease; driving or riding in any kind of motor race.