Clinic / GP Visits
Up to RM50
per visit, maximum 3 times a year
Through Health Wallet, subject to the available balance.
Medical Card
AIA Medical Card A-Plus Health360-i Plan 300
A-Plus Health360-i is a medical protection rider designed to support a more complete health journey. It is not only about hospital admission, but also room for preventive care, primary care, and recovery, subject to the official terms and conditions.
This page summarises the AIA Medical Card for Plan 300 so you can see the main benefit framework more calmly before comparing options or starting a needs review.
Primary Care
More Than Hospital Admission Alone
Health Wallet can support care beyond the ward: GP or clinic visits, health screening, vaccination, primary care, and telemedicine where available.
This is not unlimited outpatient treatment. Visit counts, the amount per visit, and preventive benefits have ceilings that should be read together with the official documents.
Prevention & Primary Care
Up to RM1,000
every 2 years for Plan 300
For health screening, vaccination and primary care, subject to Health Wallet.
SMART Journey
SMART Journey
The SMART Journey is a staged treatment path, starting at a clinic and moving to hospital only if needed.
01
SMART Clinic
The starting point of care on the SMART path.
02
SMART Specialist
A specialist referral if further assessment is needed.
03
SMART Hospital
Hospital admission on the SMART path, if needed.
04
Follow-up Care
Follow-up care after treatment, if needed.
If the SMART Journey is followed
RM500
Deductible each certificate year
If the SMART Journey is not followed
RM500 + 20% Co-Takaful
Maximum RM20,000 each certificate year
Complete Cover
Cover Across the Health Journey
Beyond the hospital room, Plan 300 also touches several points of care around admission. Read each benefit in the official documents, because eligibility, limits, and waiting periods can differ.
Before treatment
- Pre-hospitalisation care
- Screening / primary care
During treatment
- Room & board
- Day surgery
- Kidney dialysis
- Outpatient cancer treatment
- Emergency accidental treatment
After treatment
- Post-hospitalisation care
- Recovery care
- Personal medical case management
Additional support
- Mental health benefit
Key Benefits
Key Benefit Summary
| Benefit | Summary |
|---|---|
| Annual Limit | Up to RM3,000,000 for Plan 300 |
| Lifetime Limit | No lifetime limit |
| Hospital Room & Board | Up to RM300 a day for Plan 300 |
| Cost-sharing Option | RM500 deductible |
| SMART Option | RM500 deductible when the SMART Journey is followed |
| If the SMART Journey Is Not Followed | RM500 deductible + 20% co-takaful, subject to a maximum of RM20,000 for each certificate year |
| Clinic / GP Visits | Up to RM50 per visit, maximum 3 times a year through Health Wallet, subject to the Health Wallet balance |
| Health Screening & Vaccination | Up to RM1,000 every 2 years through Health Wallet for Plan 300, subject to conditions and the Health Wallet balance |
| No-Claim Bonus | Up to RM2,500 a year, maximum 10 times, subject to eligibility conditions |
| Preferred Panel Bonus | Up to RM1,000 credited to Health Wallet when treatment is received at a SMART Panel Hospital, subject to conditions and a maximum of 10 times |
| Mental Health Benefit | Up to RM1,500 a year for psychiatric consultation for covered conditions, subject to the Health Wallet balance |
Annual Limit
Up to RM3,000,000 for Plan 300
Lifetime Limit
No lifetime limit
Hospital Room & Board
Up to RM300 a day for Plan 300
Cost-sharing Option
RM500 deductible
SMART Option
RM500 deductible when the SMART Journey is followed
If the SMART Journey Is Not Followed
RM500 deductible + 20% co-takaful, subject to a maximum of RM20,000 for each certificate year
Clinic / GP Visits
Up to RM50 per visit, maximum 3 times a year through Health Wallet, subject to the Health Wallet balance
Health Screening & Vaccination
Up to RM1,000 every 2 years through Health Wallet for Plan 300, subject to conditions and the Health Wallet balance
No-Claim Bonus
Up to RM2,500 a year, maximum 10 times, subject to eligibility conditions
Preferred Panel Bonus
Up to RM1,000 credited to Health Wallet when treatment is received at a SMART Panel Hospital, subject to conditions and a maximum of 10 times
Mental Health Benefit
Up to RM1,500 a year for psychiatric consultation for covered conditions, subject to the Health Wallet balance
Related guides
Short references on hospital admission, Guarantee Letters and how to submit a claim.
This information is a summary for early explanation only. Actual benefits are subject to terms, conditions, benefit limits, exclusions, waiting periods and the official product documents.