AIA Bhd.: Sustaining healthier, longer, better lives

December 2024

AIA Bhd. is a leading insurer in Malaysia, where it has been privileged to do business since 1948.  As one of the largest employee benefits providers in Malaysia, AIA Bhd., is committed to helping people live healthier, longer, better lives through benefits programs that include wellness and wellbeing initiatives and prioritize the principals of environmental, social, and corporate governance (ESG).

AIA’s corporate insurance solutions, anchored by the acclaimed WorkWell with AIA program, are designed to closely collaborate with clients to craft tailored employee benefits and services that focus on employee wellbeing across four key pillars: Live Well, Think Well, Plan Well, and Feel Well.

AIA offers solutions that promote physical, mental, financial, and social wellness. This includes, AIA Vitality, AIA’s health program that encourages members to adopt healthier lifestyle habits via self-serve tools and coaching; Employee Purchase Programs that address financial and protection gaps; and community and workplace initiatives that promote inclusion and purpose.

AIA Vitality is a personalized, science-backed health and wellbeing program that empowers employees with the knowledge, tools, and motivation to make healthier choices every day. Using the latest research in behavioral science and incentives, Vitality is designed to promote long-term behavior changes in health by encouraging people to move more, eat well, and complete regular health checks.

AIA Vitality motivates employees to make positive health choices via a sustainable and continuous 3-step cycle that encourages them to:

• Understand their current health status and discover their AIA Vitality Age. AIA Vitality Points can be earned by completing health assessments and health checks, as well as other activities.
• Set health goals and engage in healthy activities, like exercising and eating right, which allows employees to earn AIA Vitality Points. Members also enjoy offers and discounts from AIA Bhd.’s health and wellness partners.
• Earn AIA Vitality rewards – All AIA Vitality members start off with Bronze status and by earning points for making healthy lifestyle choices – they can move up to Silver, Gold or Platinum status. The more points they earn, the higher their AIA Vitality status and the greater the rewards.

For more information about AIA Vitality, visit:  https://www.aia.com.my/en/aia-vitality/about-aia-vitality.html

Breaking away from conventional corporate insurance approaches, WorkWell with AIA also unveiled a groundbreaking initiative: AIA Mental Health Solution, an innovative program and Malaysia’s first in the market with a sole focus on mental care.

AIA Mental Health Solution strives to revolutionize employee mental health support with its comprehensive approach via two distinctive core features:

• Digital mental wellness access Powered by ThoughtFull™, a leading Southeast Asian digital mental health platform, providing 1-on-1 professional mental wellness coaching, self-guided content, wellness tracking, mental wellness webinars and programs, and 24/7 wellness hotline for crisis interventions.
• Comprehensive mental health benefits Covering consultations, medication, and treatment cost for mental health conditions, ensuring support for employees and their dependents.

AIA Mental Health Solution enables employers to provide end-to-end support for their employee’s mental wellbeing. It offers a suite of solutions and services that provides guidance to organizations who are seeking to prioritize their employees’ mental health and wellbeing.

With the AIA Mental Health Solution, employees have the support to achieve an overall state of wellbeing in the four key areas of: physical, mental, financial, and social.

Levels of support include:

• Preventive support
  Self-guided learning and wellness trackers
• Curative support
  1-on-1 coaching with certified mental health professionals
• Crisis support
  24/7 Wellness hotline for crisis interventions
• Medical treatment
  Mental health hospitalization and outpatient coverage

For more information about WorkWell with AIA, visit:  https://www.igpinfo.com/home/news-and-events/network-news/aia-launches-mental-health-solution.html

A strategic priority for AIA is to build on their leading integrated health and wellness solutions and reward customers for making changes to improve their health.

Mental health issues, the second -leading cause of disability-related time loss¹, are being exacerbated by life pressures, poor nutrition, lack of exercise, increased use of digital media, and social isolation. Addressing mental health is a complex challenge, further complicated by the stigma surrounding mental health disorders.

A wellness study commission by AIA covering its markets in Asia, sought to understand the extent of the issue. AIA’s health and wellness offerings though AIA Vitality and WorkWell with AIA play a crucial role in addressing the problem. For more information, see AIA’s Healthier Together Whitepaper.

Technology & Innovation

AIA+ Corporate Portal, a self-serve portal for HR personnel, and AIA+ Customer Portal, a self-serve portal for employees, provide convenient access for submitting claims, checking of benefits and claims usage, as well as to receive e-notification on the status of claim payments.

AIA+ app – allows members to pre-register their clinic visitations, view medical bills, submit claims, check policy coverage and utilization, and access other digital health features.

Analysis of employees’ cost-benefit and utilization – AIA’s data is analyzed and benchmarked against industry standards and compiled into various reports that allow for cost management and better management of employees’ health.

Exclusive Services for Members

• Digital Health Telemedicine – Live chat with doctors or healthcare providers at any time, and from anywhere.
• Group MedCare - Access to Personal Medical Case Management services, ensuring employees receive the best possible treatment and on-going medical support from diagnosis to recovery.
• AIA Med Express – Doorstep delivery service of long-term medication at no added cost, exclusively for AIA-covered members.
• AIA VIP Card program – Benefits and features designed to provide value-added services to employers and employees.

Network coverage & management

AIA partners with more than 4,300 panel GP clinics in Malaysia and offers a Letter of Guarantee facility that is accepted by most major hospitals, providing cashless convenience for AIA-covered members.

Personal Medical Case Management

Personal Medical Case Management (PMCM) is a medical support service offered by AIA Bhd. to ensure customers receive the best possible treatment and personalized ongoing support throughout their medical journey when diagnosed with a serious or complex condition. Customers have access to care and advice delivered via teleconsultation or in-person, depending on the needs of the patient. 

In August 2024, AIA Malaysia was honored with the Digital Transformation of the Year award at the 9th Asia Trusted Life Agents & Advisers Awards in recognition of its innovative use of artificial intelligence (AI) technology.

As one of the first in the industry to embrace AI technologies, this milestone underscores AIA Malaysia’s commitment to leveraging digital innovation to create a more seamless and convenient experience for customers as well as demonstrate AIA Malaysia's unwavering commitment to innovation and excellence.

AIA Malaysia’s AI innovations were also recognized at the prestigious Insurance Asia Awards 2024 with the AI Initiative of the Year – Malaysia award.

Other awards in 2024 include:

• Insurance Asia Awards 2024
  • Health Insurance Initiative of the Year – Malaysia
  • AI Initiative of the Year – Malaysia
  • Technology Excellence Initiative of the Year – Malaysia
  • Mobile App of the Year
• Human Resources Online HR Excellence Awards 2024
  • Excellence in Corporate Wellness (Silver)
• National Human Resources Leadership Forum 2024
  • Top Employers’ Excellence Award
• ESG Positive Impact Awards
  • Good Health & Well Being (Gold Winner)
  • Social Category - Large Companies
• 9th Asia Trusted Life Agents & Advisers Awards
  • Winner - Digital Transformation of The Year