The requirements to apply for Takaful Medical Insurance requirements include:

• Personal information: You will need to provide basic personal information such as your name, date of birth, contact information, and identification number.
• Health information: The insurance provider will typically ask for your health history, including any pre-existing medical conditions, to determine your eligibility for coverage.
• Supporting documents: You may be asked to provide additional supporting documents, such as medical reports or proof of income, to support your application.

It is important to check with your insurance provider for a complete list of requirements and to ensure that you have all necessary information and documents before submitting your application.

AIA Takaful no longer issues a physical medical card. Instead, policyholders can access their e-card through the myAIA app, which can be downloaded from apps store to their mobile device.

1) Generally, we suggest medical cards attached to life policy, either with investment plan or traditional plan with very low life protection, eg: 10K-30K.

a) Standalone Medical Card
– the insurance company will increase the premium rates every 5 years after age 35 & the increase is significant when your grow older
– no cash value if you surrender your policy
– no cash out option even the policy is surrendered
– not flexible, need to pay premium every mode (monthly/quarterly/semi-annual/annually) or else your medical card will be terminated

b) Medical Card Attached To Investment Link Plan
– the premium is 30% cheaper than standalone as the medical card is deducted in units called COI (cost of insurance)
– your units accumulated can be redeemed to cash if you surrender your policy
– can cash-out your units over some time without surrendering your policy (min RM1000 to be left in the account)
– flexible, if you have financial burden at certain point of time, you can do choose the “premium holiday” option to temporary stop the premium payment provided you have enough units in your account anytime

Yes, AIA Takaful Medical card is auto-renewal as long as the policy is not lapsed. AIA won’t cancel your policy based on individual claims experience.

Every insurer will have different restrictions and requirements, but in many cases a pre-existing condition will be excluded in coverage.

To answer this question completely you will need to speak with AIA Takaful Insurance Life Planner who can explain the coverage for the specific plan you are interested in.

To learn more, please read the Pre-existing Conditions info as below,

Malaysia Pre-Existing Condition Health Insurance Coverage

In some cases, insurance coverage has been denied or restrictions are placed on treatments to be included in the plan due to a pre-existing condition.

While this practice is still common today among some coverage providers, there are situations where an individual’s pre-existing condition can be included.

While there is no guarantee that any pre-existing condition can be included in coverage, most of the time options are available so that pre-existing conditions can be covered by either an increase in the premium cost (to account for the potential for future care of the condition) or by selecting a plan which can ignore all or almost all pre-existing conditions entirely.

Of course every plan and provider differs and many treat the pre-existing condition in their own manner, so it is best to discuss options for coverage with a qualified adviser before making a purchase.

Malaysia Pre-Existing Health Condition Insurance Coverage Options

While the easiest and most cost effective way to deal with a pre-existing health condition is to exclude it from coverage entirely and extend coverage for the rest of the individual or family’s health exclusive of the condition, insurers understand that this is not always acceptable or practical.

Therefore, three primary methods of arranging coverage are available for anyone with a pre-existing health condition, as listed below.

Moratorium For Coverage – simply stated, a moratorium is a waiting period wherein the insured is covered against injury and illness for a pre-determined period of time (commonly around 24 months) while the pre-existing condition is excluded.

At the end of that waiting period, if no significant symptoms or medical problems related to the pre-existing condition have arisen that require treatment, the policy will be adjusted so as to include the previously excluded condition in its coverage.

Premium Loading – though not as common as a moratorium, there are instances where an insurer will agree to increase the premium payment amount for coverage in exchange for extending coverage for a pre-existing health condition along with the rest of the policy benefits.

This is not a very common practice as estimating the cost for potential treatment (should it be required) is very difficult.

Medical History Disregarded – this option is almost exclusively available through group coverage plans, often including more than 20 potentially insured members, where the need to offer the same coverage options for a wide range of individuals is necessary.

As indicated by the name, it overlooks all past medical history and extends coverage as if the insured is in excellent health.

Please be aware that not every insurer offers these options for pre-existing condition coverage, and cost may vary greatly depending on insurer, specific condition involved, and other factors such as age.

Most of the time, pre-existing conditions will need to be reviewed on a case by case basis to determine if inclusion is possible. For this reason, it is usually necessary to speak to an adviser prior to any purchase to find out what your options are if you need this type of coverage.

You are required to pay first and file a claim with us, subject to the terms and conditions of the policy.

Some hospitals require a minimum deposit for non-medical related items or excess charges/fees which may not be payable by Insurance Company (Insurer).

For example:

■Admission fees
■Telephone charges
■Excess room and board
■Co-Insurance / deductibles

You can request for a Guarantee Letter (GL) from Insurance Company (Insurer) by providing your IC number or show your e-medical card form myAIA application to the hospital staff. The hospital staff will then contact Medical Help Centre (Medical Insurance Assistance) staff to verify the patient’s policy number and the status of the policy.

Yes, however you will need to pay the difference of amount incurred (excess room and board) or co-payment may apply from selected medical insurance policy.
Please read and understand your medical insurance policy terms and benefits before you purchase for right medical insurance policy.