-Hospitalisation and surgery. It covers the cost of treatment or surgery if you are hospitalised. -Critical Illness. Reimburses you a lump sum if you are diagnosed with one of the insured critical illnesses. -Hospital Income. Reimburses you a specified amount (e.g. RM100) for each day you require hospitalisation. -Accidental event. Reimburses you for outpatient medical bills if there is no admission. The AIA covers hospitalisation for medical treatment of the accidental event.