Benefits
Frequently Asked Questions
A-Plus MedCare is an optional unit deducting rider that provides Personal Medical Case Management (PMCM). It ensures that you receive the best possible treatments and personalised ongoing support based on reviewed medical condition. It also provides flight cost reimbursement if you need to travel overseas for a recommended medical treatment.
Cost of insurance is RM10 per month. Please note that the cost of insurance is not guaranteed and the Company reserves the right to revise the cost of insurance by giving you 30 days’ prior written notice.
Most second opinion services review medical reports and information to provide an independent diagnosis and recommended treatment plan. Following the second opinion, a patient is often left with questions, as well as the need to find the best doctor and hospital to administer the treatment.
With A-Plus MedCare, the customer is never alone. The case management team, led by the Physician Case Manager, supports the customer throughout their medical journey, from diagnosis to recovery.
When you choose to use the Personal Medical Case Management service, you will be required to provide your consent and agree to the terms of the Personal Medical Case Management service, as well as submit all relevant medical information and reports at hand from your current treating doctor for the diagnosis that you would like to seek for second medical opinion. This approval will also allow Teladoc to obtain any missing medical reports from various sources.
AIA Malaysia and Teladoc recognise the importance and sensitivity of such personal data and will only share information that is required to accurately analyse the customer’s condition and enable appropriate recommendations to be made
The assessment of treatment is based on medical necessity. Generally, you will be referred to available treatment locally, but you may be recommended for consultation or treatment abroad in the rare instances where there is a lack of local expertise in relevant fields.
Please note that if you decide to proceed with the treatment plan as recommended by our service provider, the cost of medical treatment may or may not be covered under your Policy or medical card with the Company. You are advised to confirm your Policy coverage with the Company before performing the treatment.
In such a situation, with your permission, Teladoc will discuss your case with the treating doctor and collectively agree upon the best course of action for you. However, the decision on how to proceed with the suggested treatment plan is on the patient.
Teladoc provides a Personal Medical Case Management service to empower patients to make informed decisions and support the patients in their medical care journey. Through this service, Teladoc helps customers to get accurate diagnosis and select the best course of treatment, however, Teladoc does not treat patients directly, nor prescribe medications. The patient makes the treatment decision in consultation with the treating doctor. With that, Teladoc does not take on the responsibility for wrong medication recommendation or medical malpractice.
AIA Bhd. is not involved in the recommendations that are provided. The intent is for our service provider to provide independent opinion that is neutral.
The following conditions are excluded for coverage under the PMCM benefit:
• Medical emergencies;
• Accidents;
• Urgent or life-threatening situations, such as Intensive Care Unit (ICU) admission;
• Daily or common issues, such as colds, flu, fever, occasional rash etc.;
• Long term chronic diseases management such as chronic hepatitis, diabetes, high blood pressure, high cholesterol etc. (however, any complications of chronic diseases shall be applicable); and
• Mental health conditions such as anorexia/bulimia, mental health-related sleeping disorder, anxiety, depression etc.
Note: The list is non-exhaustive. Please refer to the policy contract for the full details of the exclusions.
Terms & Conditions
- Please note that if you decide to proceed with the treatment plan as recommended by our service provider, the cost of medical treatment may or may not be covered under your Policy or medical card with the Company. You are advised to confirm your Policy coverage with the Company before performing the treatment.
- AIA Bhd. is not involved in the recommendations that Teladoc provides as the intent is for Teladoc to provide independent medical advice.
- If the basic policy to which this rider is attached to, is cancelled within the 15-day free look period, the unallocated premiums of the basic policy, value of units (if any), and policy charges that have been deducted less medical expenses (if any) will be refunded.
- A waiting period of 30 days is applicable starting from the effective date or reinstatement date of this rider, whichever is later. During this waiting period, you shall not be eligible for the benefits stated above.
- The cost of insurance for this plan is not guaranteed and the Company reserves the right to revise the cost of insurance by giving you 30 days’ prior written notice.
- The Company reserves the right to cancel the portfolio as a whole if it decides to discontinue this rider by giving 30 days’ prior written notice to the policy owner.
- You are advised to refer to the Product Brochure, Sales Illustration and Product Disclosure Sheet for further information.
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