Medical repricing and medical upgrade offer

Contents

English

This year, AIA has revised the premium pricing for specific product portfolios.

Some of you may have noticed that your premium has increased, or that you received a medical upgrade campaign WhatsApp from AIA, or both.

A summary of what can be done:

1. Leave policy with the new increment
2. ⁠⁠Reduce it back manually if you’re not comfortable with the increment.
   1. However, since the medical cost has increased and if the premium increase is reduced (the premium stays the same), that means the policy sustainability (longevity) will be shorter
3. Accept the medical upgrade which might have even further increase, but gives you much more benefits than leaving the current medical plan as is
   1. If you’re not sure you’re offered, do check with me 🙂
   2. The upgrade can be done via AIA+ app
   3. Some of the added benefits are: 10 million annual limit, no limit of days per year for admissions, health screening limit increase to RM500 annually
   4. The downside to the upgrade would be that the new deductible increases to RM500 from RM0 / RM300.

Bahasa Malaysia

Penyesuaian semula harga premium dan tawaran medical upgrade

Tahun ini, AIA telah menyemak semula harga premium untuk portfolio produk tertentu.

Sesetengah daripada anda mungkin menyedari bahawa premium anda telah meningkat, atau anda menerima mesej kempen medical upgrade melalui WhatsApp daripada AIA, atau kedua-duanya sekali.

Ringkasan tentang apa yang boleh dilakukan:

1. Biarkan polisi dengan kenaikan baru.
2. Kurangkan secara manual jika anda tidak selesa dengan kenaikan tersebut.
   1. Walau bagaimanapun, memandangkan kos perubatan telah meningkat dan jika kenaikan premium dikurangkan (premium kekal sama), ini bermakna keberlanjutan (jangka hayat) polisi akan menjadi lebih pendek.
3. Bersetuju dengan medical upgrade yang mempunyai kenaikan harga juga, tetapi memberi anda lebih banyak faedah daripada membiarkan pelan perubatan semasa seperti sedia ada.
   1. Jika anda tidak pasti anda ditawarkan, boleh check dengan saya 🙂
   2. Upgrade ini boleh dilakukan melalui app AIA+
   3. Beberapa faedah tambahan adalah: had tahunan 10 juta, tiada had berapa hari setahun untuk kemasukan wad, had medical check-up meningkat kepada RM500 setiap tahun.
   4. Kekurangan kepada peningkatan adalah bahawa deduktibel baru meningkat kepada RM500 daripada RM0 / RM300.