Medical Card (aia Berhad)

MEDICAL CARD OFFERED BY AIA BERHAD Case 1: Let say there are three people in a family: husband, wife and son. The husband, wife and son are 35 years old, 33 years old and 8 years old respectively. a) If they choose a family plan (the most affordable plan is purchased), the premium and protection are as follows: ~ annual premium for the whole family: RM 1,532 ~ average annual premium: RM 510.67 per person ~ protection for each person: RM 200,000 per person (lifetime limit) ~ protection for the whole family: RM 600,000 (lifetime limit) b) If they choose an individual plan (the most affordable plan is purchased), the premium and protection are as follows: ~ annual premium - husband: RM 335 - wife: RM 421 - son: RM 444 - whole family: RM 1,200 - average: RM 400 per person ~ protection for each person: RM 200,000 per person (lifetime limit) ~ protection for the whole family: RM 600,000 (lifetime limit) From the illustration above, an individual plan (RM 1,200) is better than a family plan (RM 1,532).

Case 2: Let say there are five people in a family: husband, wife, two sons and daughter. The husband, wife, two sons and daughter are 35 years old, 33 years old, 8 years old, 5 years old and 2 years old respectively. a) If they choose a family plan (the most affordable plan is purchased), the premium and protection are as follows: ~ annual premium for the whole family: RM 1,532 ~ average annual premium: RM 306.40 per person ~ protection for each person: RM 200,000 per person (lifetime limit) ~ protection for the whole family: RM 1000,000 (lifetime limit) b) If they choose an individual plan (the most affordable plan is purchased), the premium and protection are as follows: ~ annual premium - husband: RM 335 - wife: RM 421 - 1st son: RM 444 - 2nd son: RM 470 - daughter: RM 416 - whole family: RM 2,086 - average: RM 417.20 per person ~ protection for each person: RM 200,000 per person (lifetime limit) ~ protection for the whole family: RM 1000,000 (lifetime limit) From the illustration above, a family plan (RM 1,532) is better than an individual plan (RM 2,086).