AIA A-Plus BabyCare
Related Plans
Contact Details
Richtec Consultancy
Phone: 019-787 1313
No. 11-01, Jalan Mutiara Emas 2A, Taman Mount Austin, 81100 Johor Bahru, Johor
⭐A-Plus BabyCare Xtra
A‑Plus BabyCare Xtra offers comprehensive protection for expecting mothers and their babies, from pregnancy until the child turns 5. One plan to cover both mother and child, reducing financial stress and providing peace of mind.
⚠️ Important Note: This is a rider and can only be purchased in addition to an A‑Life Joy Xtra policy.
📅When to Purchase
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Recommended purchase period: 13–35 weeks of pregnancy
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For clients with existing A‑Life Lady or Lady360 policies: Early enrollment may be allowed under special conditions
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Early purchase is recommended to ensure the baby is covered from the first day of life
👶Baby Benefits
Newborn Hospitalization (NICU / ICU / HDU)
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Example: A baby born at 32 weeks with respiratory distress requiring a 7-day stay → Expenses reimbursed, lifetime maximum RM 10,000
Jaundice Phototherapy
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Standard procedure and reimbursement coverage to help the baby recover quickly
Hospital Incubator Costs
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Basic care required while the baby is hospitalized
Congenital Diseases Hospitalization (19 conditions)
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Annual maximum RM 30,000, covering common congenital conditions such as heart, kidney, or immune deficiencies
Child Development Disorder Treatment
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Covers Autism, ADHD, Dyslexia, and motor/speech developmental delays
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Early intervention benefits future learning and growth
🤰Pregnancy & Mother Benefits
Pregnancy Complications
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Reimbursement up to RM 10,000, covering gestational hypertension, gestational diabetes, placenta problems, etc.
Foetal Death (after 28 weeks gestation until birth)
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One-time payout RM 10,000
Maternal Death due to Childbirth or Pregnancy Complications
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One-time payout RM 30,000
⭐Why Choose A‑Plus BabyCare Xtra？
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Immediate coverage from the baby’s first day of life
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Unique coverage for child development disorders, supporting early intervention
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High coverage for congenital diseases and long-term treatments, up to RM 30,000 per year
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Simultaneous protection for mother and baby, reducing financial stress
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Provides families with the most comprehensive and reassuring protection
❓Frequently Asked Questions
❓Can I insure the baby before birth?
Recommended between 13–35 weeks gestation
❓ What if medical expenses occur during the medical card waiting period?
Must be borne by parents; coverage starts after waiting period
❓ Which child development disorders are covered?
ASD, ADHD, Dyslexia, motor or speech developmental delays
❓ How is coverage applied for multiple births?
Each child is assessed separately for claim limits
Notes & Recommendations
💡 Best time to purchase: 13–35 weeks of pregnancy
💡 Recommend combining with a medical card for more comprehensive coverage
💡 Plan ahead to protect both mother and baby in one single policy
Get Professional Advice
Contact our representative to receive personalized insurance advice and begin your journey with us today. Call Felicia Fong (+6019-7871313) to receive the best insurance advice for you and your loved ones.