A-Life Med Regular is a standalone medical plan which covers up to age 100 of the insured. It provides hospitalization and surgical expenses, with no Lifetime Limit.

This plan is available to individuals aged between 14 days and 70 years old.

You are covered worldwide but subject to a maximum of 90 days protection if you are traveling outside Malaysia, Singapore and Brunei. If you are a foreigner, your coverage is confined to hospitalization within Malaysia and hospitalization due to medical emergency only whilst overseas

Yes. The premium payable will depend on your attained age at the next birthday when the premium is due.

The premiums for this plan are not guaranteed and the Company reserves the right to revise the premiums by giving the policyholders 3 months written notice prior to the next policy anniversary.

There are no fees and charges other than premiums payable.

Yes, the premium paid for this plan may qualify you for a personal tax relief of up to RM 3,000 for medical and education insurance, subject to the final decision of the Inland Revenue Board of Malaysia.

This plan shall not cover: • Pre-existing illness; or • Treatment or surgery for Specified Illnesses for a period of 120 days immediately preceding for such treatment and surgery; or • Any medical or physical conditions arising within 30 days from the Issue Date or Commencement Date of this plan, whichever is later except for covered injury; or • Out-Patient Kidney Dialysis Treatment where the symptoms first occurred prior to or within 30 days from the Issue Date or Commencement Date of this plan, whichever is later; or • Out-Patient Cancer Treatment Benefit where the symptoms first occurred prior to or within 60 days from the Issue Date or Commencement Date of this plan, whichever is later; or • 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 or any congenital or hereditary conditions which has manifested or was diagnosed before the insured attains 17 years of age; or • 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 • War, declared or undeclared, strikes, riots, civil war, revolution or any warlike operations; or • 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 • Any violation or attempted violation of the law or resistance to arrest; or • Pregnancy, miscarriage or child birth; or • Mental or nervous disorders, treatment of alcoholism, or drug abuse or any other complications arising therefrom or any drug not prescribe by treating doctor; or • Plastic /cosmetic surgery, circumcision, all corrective glasses, contact lenses and intraocular lens except monofocal intraocular lenses in cataract surgery; or • Dental treatment unless necessitated by accidental injury; or • Hospitalization 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 • Any treatment or investigation which is not medically necessary, or convalescence, custodial or rest care; or • Ionizing radiation or contamination by radioactivity from any nuclear fuel or nuclear waste from process of nuclear fission or from any nuclear weapon material; or • Overseas treatment if insured person insured resides or travel outside Malaysia (excluding Singapore and Brunei) for more than 90 consecutive days. Note: This list is not exhaustive. Please refer to the policy contract for the full list of exclusions.