Hi, anyone can update on the private hospitalise for covid patient? I saw my AIA agent friend update that only AIA accept private hospitalise for covid patient?

hi wykoh2, yeap basically they will cover expenses if admitted to private hospital due to COVID. reason being is because their medical cards do not have this exclusion clause that excludes "communicable disease that requires quarantine by law"

COVID-19 falls under this exclusion. so without this exclusion clause, there is no right AIA can reject the claim due to exclusion. but there are a few TnC applies.
- from what I know, you cannot just simply want to seek treatment for COVID from private hospital. you need to go to government hospital and if government hospital refers you to private hospital, then only this treatment can be submitted for claims.
- there is no cashless claim facility for admission due to COVID-19. in another words, you must pay all the bills incurred then only submit it to insurance company to claim (subject to Reasonable and Customary Charges). for example certain items wont be cover like doctors PPE suit, face mask face shield and etc...
hi dragonlady, I wont say that AIA is doing marketing gimmick. more like agents are the one who use this point to do marketing. AIA has to cover because of the reason above i stated to wykoh2
hi taiping... not to say catch... more to TnC. can refer to my reply above.