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NOTICE: ⚠️ This is not an official AIA platform. Managed by Kingdom Group, independent AIA financial advisory firm.
Understand how AIA’s Health Wallet & No-Claim Bonus work, what they can be used for, & how to structure them correctly.
WHAT IS AIA HEALTH WALLET?
WHAT IS AIA HEALTH WALLET?
Health Wallet Credits: For every year you do not make a medical claim, a specific amount is credited into your Health Wallet. This can occur up to 10 times over the life of the policy.
AIA Health Wallet vs Other Insurance Providers
What does AIA No-Claim-Bonus Covers?
Special Care Benefits
Special Care Benefits
The total No-Claim Bonus amount available in your Health Wallet can be used to pay for the following:
1. Congenital Conditions
2. Elective/Plastic/Cosmetic Surgery due to accident or cancer.
Mental Health Benefits
Mental Health Benefits
Psychiatrist consultation fees for the following conditions:
Major Depressive Disorder
Obsessive Compulsive Disorder
Schizophrenia
Bipolar Disorder
Tourette Syndrome
Postpartum Depression
*You may use up to RM 1,500 every year.
Prevention Benefits
Prevention Benefits
Health Screening
Vaccination (age 16 and above) for flu, Hepatitis B, HPV, Shingles and Pneumococcal
*You may use up to RM300 every 2 rider years
Protect Boost
Protect Boost
Any remaining No-Claim Bonus amount available in your Health Wallet can be:
Used to pay the remaining eligible medical expenses if the annual limit has been fully utilized, or
Paid out upon death, up to 2 times of the coverage amount of the basic plan that APH1 A-Plus Health Booster is attached to.
Recovery & Support Benefit
Recovery & Support Benefit
The total No-Claim Bonus amount available in your Health Wallet can also be used to pay for external prosthetics as stated below:
Medical care for cancer, stroke and heart attack (from early stage onwards)
Artificial limb
Hearing aid
Recovery Care
The total No-Claim Bonus amount available in your Health Wallet can also be used to pay for any medical care for cancer, stroke and heart attack from early stage onwards.
*All usage is subject to policy terms, rider structure, & limits.
AIA Health Wallet is a value-accumulation feature linked to selected AIA medical plans that allows unused benefits and No-Claim Bonus amounts to be used for a wider range of medical needs — not just hospitalization.
AIA Health Wallet is a value-accumulation feature linked to selected AIA medical plans that allows unused benefits and No-Claim Bonus amounts to be used for a wider range of medical needs — not just hospitalization.
COMMON MISUNDERSTANDINGS
“My agent never explained this or are unaware of how these features interact with their policy over time, simply because they were not discussed in detail.”
“I didn’t know mental health was covered”
“I didn’t realize unused benefits could accumulate”
“I structured my plan incorrectly”
GENERAL CONCERNS & CLAIM ANXIETY
Is mental health or cosmetic surgery covered by my current insurance policy?
How does this offset my future insurance costs?
How much is in my Health Wallet and how do I claim?
What happens if limits are exceeded?
Which hospitals or clinics are eligible?
WHY ADVISORY MATTERS
Health Wallet benefits vary significantly depending on:
1) Plan structure & alignment with your financial and medical needs.
2) AIA Rider selection to ensure inclusivity and exclusivities.
3) Coverage term alignment with your age and life stages.
Poor Structuring = Lost Value
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