It has come to my knowledge recently that only AIA covers for hospitalization (medical card) due to ‘Pandemic’, thus any admission due to Covid-19 can be covered by their medical card.

Being a Prudential customer for close to 20 years, am a little disappointed that PMM or PVM does not offer the same benefit; especially when we need it the most.

I understand that one can opt to be treated in private hospitals at present if one is to be unfortunately infected with Covid-19. The cost cost of treatment can run into hundreds of thousands if you’re in the critical stage.

Am looking into taking up AIA’s medical card and eventually disposing off my PRU med cards for the entire family (Will maintain Life, TPD & CI with Pru).

Need some unbiased opinion on this matter.

This pandemic has got me reading through my policies for exclusion clauses; suffice to say, the more I read, the more intrigued I become.

1. World wide coverage; 90 days out of Malaysia, any other insurers exempts Singapore and Brunei besides AIA?

2. Payor Basic has an exclusion clause for Angioplasty and other invasive treatment for coronary artery disease.

3. Infectious disease is not covered.

Any other exclusions that we as consumers have to be aware of?

Yeah, thanks for the pointers… to add: ‘HIV / AIDS’ as well…

Any forummers have any feedback on AIA’s claim process?

Oh gosh, 'criminal or terrorist activities' is also not covered.

Does insurance providers have the practice of buying over policies from another insurer?

Is it advisable to port over to another insurer after close to 20 years?

What are the pros n cons to consider?

Thanks for the input.

Let's say I have a medical card with PRU and AIA; can I claim from both concurrently? If am not mistaken, only from either one.