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A medical card Malaysia is a health insurance policy that covers hospitalisation and surgical costs at panel hospitals. When you are admitted, the insurer pays the hospital directly — you only pay for items not covered. AIA medical cards such as A-Plus Med and SmartMed provide cashless admission at 1,000+ panel hospitals nationwide including hospitals in Penang, Butterworth, and Bukit Mertajam. As your trusted AIA advisor in Penang, Keith Tew helps you select the right medical card plan based on your age, health status, and budget.

→ Read our full Medical Card Malaysia guide

Yes — pregnancy insurance Malaysia covers complications of pregnancy, premature birth, congenital conditions, and maternity hospitalisation. It is best to purchase before conception. Some AIA plans allow coverage even in early stages of pregnancy. Our advisors in Penang, Butterworth, and Bukit Mertajam help expectant mothers plan their coverage for both mother and baby.

→ Read our full Pregnancy Insurance Malaysia guide

Newborn insurance Malaysia should ideally be applied within 30 days of birth to qualify for coverage of congenital conditions. AIA newborn plans offer medical card protection, critical illness coverage, and savings components for your baby's future. As a leading insurance advisor in Penang, Keith Tew helps parents in Butterworth, Seberang Jaya, and Bukit Mertajam set up newborn protection from day one.

→ Read our full Newborn Medical Card Malaysia guide

Hibah is a Shariah-compliant gift concept where your insurance policy proceeds are pre-assigned to a named recipient and distributed immediately upon death — bypassing the lengthy and expensive probate process. Unlike a will, a hibah nomination cannot be contested and the money is paid directly to your loved ones. Keith Tew advises clients throughout Penang, Butterworth, Bukit Mertajam, and Seberang Jaya on hibah planning.

→ Read our full Hibah Malaysia Guide

To submit an insurance claim: (1) Notify your advisor immediately, (2) Obtain medical reports and hospital receipts, (3) Complete the claim form with your advisor's guidance, (4) Submit all documents to the insurer. Keith Tew and Circle Chiong have facilitated over RM 4 million in claims for clients in Penang, Butterworth, and Bukit Mertajam. They guide you through every step.

→ Read real insurance claim stories from our clients