H. Benefits – what you are covered for
Your AIA Private Health Cover policy provides cover for each life assured for the reasonable charges of the following:
Benefit
Benefit entitlement
Maximum cover
AIA Private Health Cover and AIA Private Health Plus
Covers the costs associated with surgery. Surgery must be performed in an approved facility by a specialist or an oral surgeon.
SURGERY
The excess applies to any claims under this benefit.
Cover is provided for the following costs:
Surgeon’s fees
Oral surgeon’s fees
Cardiologist’s fees
Anaesthetist’s fees
Perfusionist’s fees
Radiologist’s fees
Inpatient treatment costs
Hospital fees including:
Unlimited
− Accommodation
− Operating theatre fees
− Intensive/coronary care unit fees
− Ancillary hospital charges
− Disposable laparoscopic equipment
− Prostheses
Consultations with a specialist or oral surgeon (including second opinions) and diagnostic imaging and tests referred by a specialist or oral surgeon directly relating to the approved surgery, performed within twelve months before or after surgery. Physiotherapy , occupational therapy and prescription costs directly relating to the approved surgery provided within six months after surgery on the recommendation of a specialist or oral surgeon .
Outpatient treatment support costs
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1300 APH-UMB version 7 Effective 12 May 2026
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