Yes it does reduce your premiums.

AIA has no right to discriminate against your choice of health service provider by levying an arbitrary 20% co-pay requirement solely because you did not follow the treatment process laid out by them or opt for their preferred service provider.

They can't impose an arbitrary co-pay for the medical claim if the medical treatment was medically necessary and the fees/charges were reasonable and customary.

Even if hospital groups were to tie up with digital insurers and takaful operators and their preferred TPAs, they can't deny a claim or arbitrarily impose restrictions on claimable amounts if treatments sought outside the group met the medically necessary and reasonable and customary standards.

Just as an insurer or takaful operator would have to approve a medical reimbursement claim, even if it was from a blacklisted doctor and/or medical service provider, if the above standards were met, the same thought process applies.