PRODUCT DISCLOSURE SHEET

Please read this Product Disclosure Sheet before you decide to take up AIA Med Basic. Be sure
to also read the general terms and conditions.

1. What is this product about?

AIA Med Basic is a yearly renewable insurance plan which provides coverage for hospitalisation
and surgical expenses. This plan is a pure medical and health protection plan and does not include
any savings or investment elements.

2. What are the covers/benefits provided?

This plan covers:

Table of Benefits Plan

Hospital Room and Board

1 RM100
(up to 120 days per year)

Intensive Care Units (ICU)

2
(up to 120 days per year)

In- Hospital Related Fees

• Hospital Supplies and Services As charged, subject to Annual Limit
• Surgical Fees and Lifetime Limit
3 • Operating Theatre Fees
• Anesthetist's Fees
• In-Hospital Doctor’s visit (2 visits per
physician per day)

All claims are subject to a Deductible of RM300 for Any One Disability.
Annual Limit RM20,000
Lifetime Limit RM80,000
Notes:
1. This plan does not cover pre and post hospitalization and outpatient treatment.
2. Deductible is a fixed amount you have to pay for the medical expenses incurred as cost
sharing. You have to pay the first RM300 out of the eligible expenses for any one disability,
and we will pay for the rest of the eligible expenses.
3. "Any One Disability" means that if two or more Confinements are due to the same or related
disability, or any complications arising from it, such confinements shall be regarded as one
confinement if each of them is not separated by more than 90 days from the discharged date.

Duration of coverage: Yearly renewable up to age 70.

Reminder: Please refer to the policy contract, which has information of the product benefits.

3. How much premium do I have to pay?

The total premium that you have to pay: RM<XXX.XX> (<Payment Frequency>)
Occupation class: Class <X>

Please note that the premium rate will increase depending on the attained age when the premium
is due. Please refer to “Appendix – Premium Table for AIA Med Basic” at the end of this
document for further information.

You should satisfy yourself that the premium payable under the policy is an amount that you can
afford. This premium is not guaranteed and may be increased in the future. We reserve the right to
revise the premium rates by giving you 30 days written notice prior to the next policy anniversary.
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4. What are the fees and charges that I have to pay?

There are no fees and charges other than the premiums payable.

This plan is commission-free and no intermediaries are involved in the sales or marketing of AIA
Med Basic.

5. What are some of the key terms and conditions that I should be aware of?

(a) Importance of disclosure – You must disclose all material facts such as your medical
condition, and state your age correctly.

(b) Free Look Period – You may cancel your policy by returning your policy contract and giving a
written request signed by you to AIA Bhd. within fifteen (15) days after you have received your
policy contract. The premiums that you have paid will be refunded.

(c) Grace Period – 31 days from the premium due date.

(d) Waiting Period – the eligibility for benefits under the policy will only start after a specific period
from the effective date of the policy:

Description Waiting Period

Specified Illnesses 120 days
Other Illnesses 30 days
Accidental Injuries Nil

Notes:
(i) It may not be advantageous to switch from one insurance plan to another, as you may be
subject to new underwriting requirements, full Waiting Period and any applicable period for the
exclusion of specified illnesses / pre-existing conditions of the new policy.

(ii) The terms and conditions as stated in this Product Disclosure Sheet are not exhaustive. Please
refer to the policy contract for the full list of terms and conditions.

6. What are the major exclusions under this policy?

Any claims arising from the occurrence of the following is not covered under this policy:

(a) Pre-existing illness prior to the Issue Date or Commencement Date, whichever is later; or
(b) Treatment or surgery for Specified Illnesses until the Insured has been continuously covered
under this Policy for a period of one hundred and twenty (120) days; or
(c) 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. They will include hernias of all
types and epilepsy except when caused by a trauma which occurred after the date that the
Insured was continuously covered under this Policy and any congenital or hereditary conditions
which has manifested or was diagnosed before the Insured attains 17 years of age; or
(d) 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
(e) War, declared or undeclared, strikes, riots, civil war, revolution or any warlike operations; or
(f) 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
(g) Any violation or attempted violation of the law or resistance to arrest; or
(h) Pregnancy, miscarriage or child birth; or
(i) Mental or nervous disorders, treatment of alcoholism, or drug abuse or any other complications
arising from it or any drug accident not prescribed by a treating doctor; or
(j) Elective/Plastic/Cosmetic surgery, circumcision (except circumcision due to infection), eye
examination/elective surgery for visual impairments due to nearsightedness, farsightedness or
astigmatism or radial keratotomy; all corrective glasses, contact lenses and intraocular lens
(except monofocal intraocular lenses in cataract surgery) or the use or acquisition of external
prosthetic appliances or devices such as artificial limbs, hearing aids, and prescriptions; or
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 (k) Any form of dental care or Surgery unless necessitated by injury but excluding the replacement
of natural teeth, placement of denture and prosthetic services such as bridges and crowns or
their replacement; or
(l) Hospitalisation 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
(m) Any treatment or investigation which is not medically necessary, or convalescence, custodial
or rest care; or
(n) Any medical or physical conditions arising within the first 30 days of the Issue Date or
Commencement Date of this policy, whichever is later except for covered injury; or
(o) Ionising radiation or contamination by radioactivity from any nuclear fuel or nuclear waste from
process of nuclear fission or from any nuclear weapon material; or
(p) Expenses incurred for donation of any body parts or organ by the Insured and acquisition of
the organ including all costs incurred by the donor during organ transplant and its complications.
We will only reimburse the Reasonable and Customary Charges incurred on Major Organ/Bone
Marrow Transplant Surgery for the Insured being the recipient, limited to once per lifetime; or
(q) Medical treatment received by the Insured outside Malaysia apart from Singapore and Brunei,
if the Insured resides or travels outside Malaysia for more than 90 consecutive days. Benefits
in respect of the treatment shall be limited to the Reasonable and Customary and Medically
Necessary Charges for such equivalent local treatment in Malaysia and shall exclude the cost
of transport to the place of treatment.

Note: This list is non-exhaustive. Please refer to the policy contract for the full list of exclusions.

7. Can I cancel my policy?

You may cancel or surrender your policy by giving a written notice to AIA Bhd. Upon cancellation,
you may be entitled to a refund of a portion of your premium provided that you have not made a
claim on the policy during the current policy year.

If you do not pay your premium within the Grace Period, your policy will be terminated.

Note: Please refer to the policy contract for more details.

8. What do I need to do if there are changes to my contact details?

It is important that you inform AIA Bhd. of any change in your contact details to ensure that all
correspondences reach you in a timely manner.

9. Where can I get further information?

Should you require additional information about medical and health insurance, please refer to the
insuranceinfo booklet on 'Medical and Health Insurance', available at all AIA Bhd.'s branches or you
can obtain a copy from the insuranceinfo website www.insuranceinfo.com.my. For more information
on claims procedures, please refer to AIA Bhd’s website.

If you have any enquiries, please contact AIA Bhd. at:

AIA Bhd. (790895-D)

Menara AIA, 99 Jalan Ampang
50450 Kuala Lumpur
Care Line: 1 300 88 1899
Tel: 03 - 2056 1111
Fax: 03 – 2056 3891
Email: my.customer@aia.com
Website: AIA.COM.MY

AIA Bhd. is licensed under the Financial Services Act 2013 and regulated by Bank Negara Malaysia.

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10. Other similar type of plans available

Please contact AIA Bhd. or visit our website at www.aia.com.my for other similar types of plans
offered by AIA Bhd.

IMPORTANT NOTE:
YOU SHOULD SATISFY THAT THE MEDICAL AND HEALTH INSURANCE POLICY CHOSEN WILL
BEST SERVE YOUR NEEDS. YOU SHOULD READ AND UNDERSTAND THE MEDICAL AND
HEALTH INSURANCE POLICY AND CONTACT AIA BHD. DIRECTLY FOR MORE INFORMATION.

THIS PRODUCT DISCLOSURE SHEET CONTAINS A SUMMARY OF THE PRODUCT AND IS NOT
A CONTRACT OF INSURANCE. THE POLICY CONTRACT SHALL ALWAYS PREVAIL OVER THIS
DOCUMENT.

The information provided in this disclosure sheet is valid as at <MM/DD/YYYY>.

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 Appendix – Premium Table for AIA Med Basic

Male – Occupation Class 1 & 2 (RM)

Age Monthly Quarterly Semi-Annual Annual
16 - 20 46.55 137.76 275.53 535.00
21 - 25 62.55 185.14 370.29 719.00
26 - 30 58.46 173.04 346.08 672.00
31 - 35 58.73 173.81 347.63 675.00
36 - 40 69.95 207.03 414.06 804.00
41 - 45 77.17 228.40 456.81 887.00
46 - 50 89.26 264.20 528.39 1,026.00
51 - 55 114.58 339.13 678.26 1,317.00
56 - 60* 150.25 444.70 889.41 1,727.00
61 - 65* 248.65 735.94 1,471.87 2,858.00
66 - 70* 414.99 1,228.28 2,456.55 4,770.00

Male – Occupation Class 3 (RM)

Age Monthly Quarterly Semi-Annual Annual
16 - 20 60.51 179.09 358.18 695.50
21 - 25 81.32 240.69 481.37 934.70
26 - 30 76.00 224.95 449.90 873.60
31 - 35 76.34 225.96 451.91 877.50
36 - 40 90.93 269.14 538.28 1,045.20
41 - 45 100.32 296.92 593.85 1,153.10
46 - 50 116.04 343.45 686.91 1,333.80
51 - 55 148.95 440.87 881.73 1,712.10
56 - 60* 195.32 578.11 1,156.23 2,245.10
61 - 65* 323.24 956.72 1,913.43 3,715.40
66 - 70* 539.49 1,596.76 3,193.52 6,201.00

Male – Occupation Class 4 (RM)

Age Monthly Quarterly Semi-Annual Annual
16 - 20 67.49 199.76 399.51 775.75
21 - 25 90.70 268.46 536.91 1,042.55
26 - 30 84.77 250.91 501.82 974.40
31 - 35 85.15 252.03 504.06 978.75
36 - 40 101.42 300.19 600.39 1,165.80
41 - 45 111.90 331.18 662.37 1,286.15
46 - 50 129.43 383.08 766.17 1,487.70
51 - 55 166.14 491.73 983.47 1,909.65
56 - 60* 217.86 644.82 1,289.64 2,504.15
61 - 65* 360.54 1,067.11 2,134.21 4,144.10
66 - 70* 601.74 1,781.00 3,562.00 6,916.50

*The premium for ages 56-70 are applicable for renewal only.

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 Appendix – Premium Table for AIA Med Basic

Female – Occupation Class 1 & 2 (RM)

Age Monthly Quarterly Semi-Annual Annual
16 - 20 40.89 121.03 242.05 470.00
21 - 25 45.41 134.42 268.83 522.00
26 - 30 48.55 143.69 287.37 558.00
31 - 35 52.20 154.50 309.00 600.00
36 - 40 54.55 161.45 322.91 627.00
41 - 45 85.26 252.35 504.70 980.00
46 - 50 93.70 277.33 554.66 1,077.00
51 - 55 112.14 331.92 663.84 1,289.00
56 - 60* 145.55 430.80 861.60 1,673.00
61 - 65* 246.82 730.53 1,461.06 2,837.00
66 - 70* 375.49 1,111.37 2,222.74 4,316.00

Female – Occupation Class 3 (RM)

Age Monthly Quarterly Semi-Annual Annual
16 - 20 53.16 157.33 314.67 611.00
21 - 25 59.04 174.74 349.48 678.60
26 - 30 63.11 186.79 373.58 725.40
31 - 35 67.86 200.85 401.70 780.00
36 - 40 70.91 209.89 419.78 815.10
41 - 45 110.84 328.06 656.11 1,274.00
46 - 50 121.81 360.53 721.05 1,400.10
51 – 55 145.79 431.49 862.99 1,675.70
56 - 60* 189.22 560.04 1,120.07 2,174.90
61 - 65* 320.86 949.69 1,899.37 3,688.10
66 - 70* 488.14 1,444.78 2,889.56 5,610.80

Female – Occupation Class 4 (RM)

Age Monthly Quarterly Semi-Annual Annual
16 - 20 59.29 175.49 350.97 681.50
21 - 25 65.85 194.90 389.80 756.90
26 - 30 70.39 208.34 416.69 809.10
31 - 35 75.69 224.03 448.05 870.00
36 - 40 79.10 234.11 468.21 909.15
41 - 45 123.63 365.91 731.82 1,421.00
46 - 50 135.86 402.12 804.25 1,561.65
51 - 55 162.61 481.28 962.56 1,869.05
56 - 60* 211.05 624.66 1,249.31 2,425.85
61 - 65* 357.89 1,059.26 2,118.53 4,113.65
66 - 70* 544.46 1,611.49 3,222.97 6,258.20

*The premium for ages 56-70 are applicable for renewal only.

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