Guide to Hospitalisation and Surgical Insurance in Malaysia
Insurans Hospital
dan Perubatan
What is Hospitalization & Surgical (H&S) Insurance?
Provisions of Hospital Admissions
Additional H&S Insurance Benefits
List of H&S Insurance from Various Insurance Companies in Malaysia
Why do People Delay in Purchasing H&S Insurance
Frequently Asked Questions (FAQ)
Hospitalization & Surgical Insurance in Malaysia
(also known as medical & health Insurance or medical card insurance in Malaysia)
List of H&S Insurance from Various Insurance Companies in Malaysia
Dear Value Online Information Seekers,
We try out best to use our professional knowledge to provide direct hyperlinks to comprehensive Hospitalization & Surgical (H&S) insurance products available in Malaysia. You do not have to spend your time, money and energy to search around for Malaysian Hospitalization & Surgical insurance information. We will increase the number of H&S insurance list from time to time.
All H&S insurance are arranged in alphabetical order (A to Z) by insurance companies' name.
If you found out that there are ERROR in the hyperlinks provided, please notify us by SMS 012-382 8806 or e-mail to us at MalaysiaInsuranceGuide@yahoo.com . We thank you in advance for your act of kindness.
We also welcome feedback on every aspect of this website.
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Allianz General Insurance Malaysia Bhd
Medical and Health Insurance
Product: Allianz Care Individual
Description:
Having a medical card that guarantees hospital admission to take care of your medical bills upon discharge at our panel hospitals is what Allianz want to provide its policyholders. This is what Allianz Care Individual can do for you, total convenience and peace of mind.
Renewability will only be guaranteed after 2 years of Policy inception provided that there is no claim incurred in the previous 2 years. Subsequently, if there are claims incurred in the later years, the Insurer will not impose any exclusion upon the Insured Person.
If there is a claim incurred within the first 2 years of Policy inception, the Insured Person would still qualify for the guaranteed renewal, subject to exclusions or premium increase.
Click here to know more about Allianz Care Individual
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AmAssurance
Berhad
i) Medical and Health Insurance Product: AmMedicare
Description:
A Comprehensive Medical and Health Insurance Plan, designed to take care of your medical expenses thus relieving you and your loved ones from undue financial constraints and worries in the event something unfortunate happens.
Click here to find out more about AmAssurance - AmMedicare
ii) Medical and Health Insurance Product: Sihat Malaysia
Description:
Sihat Malaysia is a Managed Health plan designed to cover a comprehensive range of medical, surgical and hospitalization costs, ambulance fees and other medical related charges.
Click here to know more about AmAssurance - Sihat Malaysia
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AIA -
American International Assurance
Company, Limited
Medical and Health Insurance Product: AIA ExcelCare Plus**
Description:
AIA Health Service… adds value to your ExcelCare medical protection by providing you with 24-hour, hassle-free assistance in :
-
Hospital admission
-
Direct settlement of the hospital bill upon discharge.
Invaluable Coverage… assure yourself of protection against the unexpected when you renew your coverage without evidence of insurability.
**Direct hyperlink to AIA ExcelCare Plus is not available. Please go to "Products & Services" section of AIA website (http://www.aia.com.my) , then click "All products and services", after that under Life Insurance and Your Financial Needs Section click "Medical Plan" and you will find "AIA ExcelCare Plus hyperlink" there.
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Asia Life (M) Berhad (now known as TM Asia Life)
Medical and Health Insurance Product: Asia Health Partner Excel
Description:
With Malaysia’s 1st Medical Insurance Plan with No Claim Discount, you will enjoy comprehensive medical insurance protection should you fall ill, or gain substantial savings with every policy renewal as a further reward for your good health.
Asia Health Partner Excel has pre-secured arrangements with major hospitals and medical centers worldwide that guarantees you immediate admission. Medical expenses are guaranteed upon authorization.
Designed for children as young as 30 days old and adults as old as age 60, this plan guarantees renewals up to the age of 75, subject to relevant rate adjustments.
Click here to know more about Asia Life - Asia Health Partner Excel
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AXA AFFIN Life Insurance
Berhad
*No comprehensive Hospitalisation & Surgical Insurance available.
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Guide to Hospitalisation and Surgical Insurance in Malaysia
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Allianz Life Insurance Malaysia
Berhad
Medical and Health Insurance Product: Allianz HealthVantage
Description:
With HealthVantage from Allianz Life, you can be assured of having adequate medical and health coverage, all within your financial ability and requirement.
Benefits of HealthVantage include:
-Hassle-Free Admission & Discharge: This plan comes with a Medical Card, which allows you to enjoy hassle-free admission and discharge at participating hospitals.
-Guaranteed renewal of all benefits up to age 74, except female disease and maternity risk.
-Flexibility to upgrade the benefits of your policy at any policy anniversary.
Click here to find out more about Allianz HealthVantage
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ACE Synergy Insurance Bhd
Medical and Health Insurance Product: Hospital Cash Benefit
Description:
A hospital plan to reduce your financial burden in the event of hospitalization (regardless of sickness or injury).
Click here to find out health insurance products from ACE Synergy
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American Home
Assurance Co.
(AIG)
Medical and Health Insurance Product: Hospital Cash Insurance
Description:
Hospital Cash Insurance pays the insured a specific cash amount for each day he/she is hospitalized. Payments can be used for income replacement, funds to supplement medical expenses or extra cash for any other expenses.
Benefits are usually payable for up to 365 days and may begin after a waiting period. Hospital Cash may be purchased independently or as part of a more extensive benefits package. Coverage may be available on an Accident only or Accident & Sickness basis.
Click here to learn more about AIG - Hospital Cash Insurance
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Asia Insurance (Malaysia) Bhd
Medical and Health Insurance Product: Hospital & Surgical
Description:
Provides Hospital & Surgical benefits
together with Medical Expenses for you as an individual and family.
Hospital & Surgical insurance brief explanation page - click here
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Aviva Insurance Bhd
(Now Known as Mitsui Sumitomo Insurance (Malaysia) Bhd )
i) Medical and Health Insurance Product: Healthcare International Insurance
Description:
MSIG’s Healthcare International Policy can help put your mind at rest. Helping you deal effectively with all serious health problems, from the need for prompt diagnosis to prearranged care at a first class hospital of your choice, i.e. you are not restricted by a panel of hospitals.
In the event of serious medical emergencies, you can be covered for immediate admission to the nearest suitable hospital and if necessary, air evacuation with full medical crew.
Click here to learn more about MSIG - Healthcare International Insurance
ii) Medical and Health Insurance Product: Edu MediCare
Description:
For a student who is far from home, unforeseen events such as these can be especially traumatic. MSIG’s Edu MediCare is designed to protect you against unforeseen medical problems so that you will have peace of mind to concentrate on your studies.
Click here to learn more about MSIG - Edu Medicare
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Guide to Hospitalisation and Surgical Insurance in Malaysia
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AXA Affin Assurance Bhd
Medical and Health Insurance Products:
SmartCare
Optimum
Description:
An illness accident can put a real strain - on your well-being as well your finances. But now you don't have to worry about the expenses: Let SmartCare Optimum concentrate on the bills whilst you concentrate on getting better.
-Wider protection and flexibility from four different plans with coverage up to RM500,000.00
-Deductible
Option
- You may choose to buy Deductible Option where you pay the first RM7,500,
RM10,000, RM15,000 or RM20,000
of your hospitalization bills.
- You will be entitled to a premium discount up to 50% ...
Click here to find out more about AXA Affin - SmartCare Optimum
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Berjaya Sompo Insurance Bhd
(Formerly known as Berjaya General Insurance Berhad)
i) Medical and Health Insurance Product: B.Health Net
Description:
This is designed to provide you and your
family with a comprehensive health plan that will facilitate convenient
hospital admission when it matters most.
It offers admission into participating hospitals around Malaysia through the
issue of a B.Health Net Medical Card which is
develop in collaboration with International SOS (M) Sdn Bhd, a Managed Care
Organisation (MCO).
All policyholders are entitled to a 24 hour Helpline
number for around-the-clock assistance on medical referrals, hospital
admissions, medical evacuations or
repatriations and even pre-trip assistance
services.
Click here to learn
more about Berjaya Sompo - B.Health Net
ii) Medical and Health Insurance Product: B.Health Major
Description:
This provides you with an extensive coverage over acute medical conditions that might otherwise be excluded from other basic insurance policies due to the following reasons :
Basic Health Insurance policies do not provide coverage against major illnesses, diseases and critical medical conditions, insurance policies that are not upgraded as they gradually mature increase the probability of the holder not getting the essential coverage he or she needs.
With these factors in mind, B-Health Major provides you with the protection and assurance you need by covering medical expenses that are not payable or insufficient under existing basic policies.
Click here to learn more about Berjaya Sompo - B.Health Major
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Commerce Assurance Bhd
Medical and Health Insurance Product: not available.
Please refer to Commerce Life Assurance Bhd.
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Commerce
Life Assurance Bhd
(Formerly known as AMAL
Assurance Bhd)
Medical and Health Insurance Product: Medic Freedom
Description:
This is a Yearly Renewable Group Medical and
Health Plan that provides:
· Surgical Benefits
· Hospital Daily Income Benefit
· Critical Illness Benefits
· Outpatient Kidney Dialysis Benefits
· Anticancer Chemotherapy (Outpatient and Inpatient) Benefits
· Medical Assistance Fund (MAF) – Savings Fund
· Maturity benefits through the accumulation of
MAF
· Death Benefit through optional Term Rider
Click here to know more about Commerce Life - Medic Freedom
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Great Eastern Life Assurance
(Malaysia) Berhad
Medical and Health Insurance Product: Great MediCare
Description:
Great MediCare Plan is a comprehensive medical insurance with Second Opinion Service. You can have access to second opinion on your medical condition by a medical specialist in United States. These experts can advise you on a suitable treatment plan and level of care in collaboration with your local treating doctor.
In addition, you are also entitled to a telephone medical consultation with the reviewing specialist to address specific medical issues and questions you may have.
Click here to read more about Great Eastern Life - Great Medicare
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Hong Leong Assurance Berhad
i) Medical and Health Insurance Product: HLA HealthNET
Description:
HLA HealthNET Hospital & Surgical Insurance is a special health insurance product which offers you the much needed security and financial resources in the event you require medical treatment or surgical intervention from certain Covered Condition.
Click here to know more about HLA - HealthNET
ii) Medical and Health Insurance Product: MedGLOBAL III
Description:
MedGLOBAL III is a rider which can be attached to selected insurance plans e.g. Venture Life. This is a comprehensive global medical plan that puts your financial worry behind.
With the privileges of worldwide coverage, hassle free Hospital admission and bill settlement, 24 hours customer service as well as affordable premium, you have the peace of mind in knowing that your health and well-being is taken care of.
Click here to know which plan can you attach MedGLOBAL III
Please contact HLA for details about MedGLOBAL III
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ING Insurance Berhad
Medical and Health Insurance Product: ING MediPlus (IMPlus)
Description:
Imagine having a medical plan that guarantees hospital admission
and takes care of your medical bills upon discharge at our panel hospitals.
This is what the ING MediPlus (IMPlus) can do for you. With absolute
convenience and hassle free hospitalisation, you now have the comfort and
peace of mind to focus on what is more important in your health.
Click here to know more about ING - MediPlus
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Guide to Hospitalisation and Surgical Insurance in Malaysia
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Jerneh Insurance Bhd
i) Medical and Health Insurance Product: Mediplus
Description:
This insurance reimburses the actual
medically necessary expenses incurred by the insured person as a consequence
of hospitalisation or surgery due to accident or illness, subject to the
terms, conditions and exclusions of the Policy.
The scope of cover are Hospital Daily Room & Board, Intensive Care Unit,
Surgical Benefit, Hospital Miscellaneous Services, In-hospital Physician's
visit, Post Hospital Benefits, Specialists Consultation, Diagnostic
Services, Ambulance Services, Outpatient kidney dialysis, Outpatient Cancer
treatment and Emergency Outpatient Treatment. The coverage is 24 hours,
worldwide.
Click here to learn more about Jerneh Insurance - Mediplus
ii) Medical and Health Insurance Product: Sihat Malaysia
Description:
Sihat Malaysia is the first National Health
Insurance programme which provides round the clock hospitalisation due to an
accident or illness. It provides comprehensive coverage in hospital,
surgical, medical and other related benefits.
All insured persons of SIHAT MALAYSIA will be enrolled as members of a
Managed Care Organisation (MCO) and be given a Medical Card. Our nominated
MCO is MediExpress (M) Sdn Bhd.
There are 6 plans available under both Individual Plan and
Family Plan.
Click here to learn more about Jerneh Insurance - Sihat Malaysia
iii) Medical and Health Insurance Product: Medi Top Up
Description:
This plan provides for the actual medically necessary expenses incurred during hospitalisation and other related benefits where such expenses have exceeded the excess amount stated in the selected plan.
Click here to learn more about Jerneh Insurance - Medi Top Up
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Kurnia
Insurans (M) Bhd
i) Medical and Health Insurance Product: mediGUARD Value
Description:
mediGUARD Value offers an adequate coverage at an affordable price that best suits your budget. You are offered choice of plans with or without a medical card.
With A Medical Card, you can admitted to any of our panel hospitals, no deposit required. This card guarantees hassle free admission and discharge for a covered condition. You may only need to settle non-payable charges, if any.
Optional benefit like Out-Patient Clinical Benefit is available.
Click here to learn more about Kurnia Insurans - Mediguard Value
ii) Medical and Health Insurance Product: mediGUARD Premier
Description:
Looking for a medical insurance that offers more than the basic hospitalization coverage? mediGUARD Premier is THE PLAN! Besides basic hospitalization coverage, it has various extended benefits.
Additional benefits: Out-patient physiotherapy treatment, organ transplant, second surgical opinions, major medical, permanent total disablement due to accidental injury, out-patient clinical benefit (optional), full reimbursement for Government hospital, etc.
Click here to learn more about Kurnia Insurans - mediGUARD Premier
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Lonpac Insurance Bhd
Medical and Health Insurance Product: Care Plus
Description:
-A comprehensive health coverage plan for you and your family.
-We care for the elders - By offering an extensive health plan up to the age of 70 years old.
-No disparity between genders - Premiums are age-banded but there is no distinction between male and female premium rates.
-Second opinion - A programme designed to help policyholders who are diagnosed with life-threatening medical conditions to have access to the leading medical centre in the world for second opinion.
Click here to learn more about Lonpac Medical Insurance - Care Plus
(This product information sheet is in Portable Document Format (PDF). To access, you will need Adobe® Acrobat® Reader.)
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Malaysia National Insurance Berhad
i) Medical and Health Insurance Product: Major Medilife
Description:
Ever wondered what would happen when you don't have enough cash to pay for your medical expenses? We know that most employers do provide their employees with medical expenses coverage, but the coverage is normally limited to certain amount.
Click here to learn more about MNI - Major Medilife
ii) Medical and Health Insurance Product: Medilife Plus
Description:
Just like Major Medilife, this plan also provides medical expense reimbursement upon hospitalization, surgery, etc. This plan pays a fixed reimbursement for three major cases like organ transplant, outpatient cancer treatment and outpatient kidney dialysis without any annual overall limit or annual self-insured deductible.
Click here to learn more about MNI - Medilife Plus
iii) Medical and Health Insurance Product: Sihat Malaysia
Description:
If hefty hospital bills worry you, our Sihat Malaysia plan can help. This plan provides comprehensive coverage in medical, surgical and hospital expenses, ambulance fees and other related medical charges.
Click here to learn more about MNI - Sihat Malaysia
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Malaysian Assurance Alliance Berhad
i) Medical and Health Insurance Product: MedicaLife 206
Description:
This is a guaranteed renewal policy up to age 75. MedicaLife 206 is a standalone H&S policy with 4 plans available for the Insured. It prepares policyholders for costly medical expenses with high lifetime limit – as high as RM 600,000.
The Insured will be protected with a Lifetime Limit up to 3 times the Overall Annual Limit provided if the Insured has been claims free for the preceding two policy years.
Click here to know more about MAA - MediLife 206
ii) Medical and Health Insurance Product: MedicaGen 200
Description:
This is a renewal policy up to age 75. MedicaGen 200 is a standalone H&S policy with 4 plans available for the Insured. It prepares policyholders for costly medical expenses with high lifetime limit – as high as RM 360,000.
The Insured will be protected with a Lifetime Limit up to 3 times the Overall Annual Limit provided if the Insured has been claims free for the preceding two policy years. The Insured is also provided with a Personal Accident cover of RM 50,000.
Click here to know more about MAA - MedicaGen 200
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Manulife Insurance (Malaysia) Berhad
(formerly known as John Hancock Life Insurance (M) Bhd.)
i)
Medical and Health Insurance Product:
Signature Major Medicare Plus
Description:
Signature Major Medicare Plus is a comprehensive medical package, which provides 24 hour protection against major medical expenses. This plan also provides you with the Pre-Certification Hospitalisation Programme and WORLDWIDE Emergency Assistance Services, both provided by International SOS (Malaysia) Sdn Bhd.
-Coverage for 3 critical illnesses (Major Organ Transplant, Renal Failure and Life Threatening Cancer) and TPD.
-Option to include your spouse and unlimited number of children.
-The Covered Members may not be required to pay up-front admission deposits and upon discharge, all eligible hospital claims, less the co-insurance amount will be settled by Manulife.
Click here to learn more about Manulife - Signature Major Medicare Plus
i) Medical and Health Insurance Product: Signature Major Medigold Plus
Description:
Signature Major MediGold Plus is a comprehensive medical insurance that is
designed to cover hospitalization and surgical costs. This plan can cover an
individual life as well as the spouse and children (family).
-Comprehensive Medical and Surgical Fees reimbursement with lifetime limit of up to RM200,000 per individual.
-Coverage for 3 critical illnesses (Major Organ Transplant, Renal Failure and Life Threatening Cancer) and TPD.
-Government Hospital Cash Benefit.
-Free Annual Comprehensive Health Screening from 2nd policy year onwards. (This service is subject to review by Manulife from time to time.)
-Pre-Certification Hospitalisation Programme.
Click here to learn more about Manulife - Signature Major Medigold Plus
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Guide to Hospitalisation and Surgical Insurance in Malaysia
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Mayban Life
Assurance Berhad
Medical and Health Insurance Product:
MediRider and
MediRider Plus
Description:
MediRider is a medical rider that can be attached to selected Maybank Ordinary Life plans. You have the option to extend your coverage with MediRider Plus for added benefits during hospitalisation. This could translate to you having the option of better treatment, added facilities and even the privacy of your own room to enhance your comfort level while you recover. It’s entirely yours to choose.
and
-For all these excellent benefits, you pay a highly affordable premium, and receive coverage of up to the age 75.
-Flexible premium payment i.e. Annually, Semi-Annually, Quarterly & Monthly (based on Ordinary Life plan)
Click here to learn more about Maybank Life - MediRider
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MCIS ZURICH
Insurance Berhad
Medical and Health Insurance Product:
MZ MEDICARD
and
MZ Medilink
Description:
Lengthy and inconvenient admission payment and procedures should be the least of your worries when your health needs attending to.
MZ MediCard is a
rider for our Traditional Life Plans.
MZ Medilink is a rider for our
Investment Linked Plans.
Click here to learn more about MCIS Zurich - MZ MediCard and MZ Medilink
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Mitsui Sumitomo Insurance (M) Bhd
(MSIG)
i) Medical and Health Insurance Product: Edu MediCare
Description:
Unexpected illnesses and accidents can happen to anyone and at any time. For a student who is far from home, unforeseen events such as these can be especially traumatic. An MSIG Edu MediCare policy can help put your mind at ease. In the event of serious medical emergencies, you can be covered for treatment at the nearest suitable hospital. MSIG’s Edu MediCare is designed to protect you against unforeseen medical problems so that you will have peace of mind to concentrate on your studies.
Click here to learn more about MSIG Edu MediCare
ii) Medical and Health Insurance Product: Healthcare International Insurance
Description:
MSIG’s Healthcare International Policy can help put your mind at rest. Helping you deal effectively with all serious health problems, from the need for prompt diagnosis to prearranged care at a first class hospital of your choice, i.e. you are not restricted by a panel of hospitals. In the event of serious medical emergencies, you can be covered for immediate admission to the nearest suitable hospital and if necessary, air evacuation with full medical crew.
Click here to learn more about MSIG - Healthcare International Insurance
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MUI Continental Insurance Bhd
Medical and Health Insurance Product: Hospitalisation & Surgical
This insurance reimburses the actual medically necessary expenses incurred by the insured person as a consequence of hospitalisation or surgery due to accident or illness, subject to the terms, conditions and exclusions of the Policy.
Person eligible to be covered under the policy are:-
- Anyone between the ages of 15 days and 60 years and renewable up to age 70
- Persons who reside in Malaysia only
Family Discount: A family discount of 10% is allowed on the total premium for the family with three (3) members or more.
No Claim Discount: 15% (on renewal of policy only) .
Click here to learn more about MUI Continental Insurance - Hospitalisation & Surgical
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Multi-Purpose Insurans Bhd
i) Medical and Health Insurance Product: Multi Medical Protector
Description:
The unique feature of Multi Medical Protector is it provides cover for the Defined Major Disabilities. Under Defined Major Disabilities, it covers Heart Attack, Stroke, Cancer, Brain Surgery, Open Heart Surgery, Coma, Major Organ Transplant etc. Other benefits provided here include lump sum Recuperative Allowance if a patient is hospitalized for more than 5 consecutive days, Hospital Inconvenience as a daily cash benefit if hospitalized for more than 5 consecutive days and lump sum payment under Major Disabilities Relief.
Click here to learn more about Multi-Purpose Insurans - Multi Medical Protector
Click here to see the "Table of Benefits" for Multi Medical Protector
(This Table of Benefits is in Portable Document Format (PDF). To access, you will need Adobe® Acrobat® Reader.)
ii) Medical and Health Insurance Product: Multi Medi-Plus
Description:
With Multi Medi-Plus, you and your family members will have :
-EXTENSIVE AND COMPREHENSIVE BENEFITS
You and your
family members have the following benefits:
Renewal at your option (up to 70 years) after 2 years with
Multi Medi-Plus
Lodger Fees for parents if child ( below 15
years old) is hospitalised
Second Surgical Opinion
Daycare and Outpatient Surgery
Outpatient Cancer Treatment and Kidney Dialysis
Home Nursing Care
Accidental Death Benefit
-EXTENSIVE AGE COVER
Anyone who is between the age of 30 days to 59 years old based on last birthday. Renewal can be extended up to 70 years old (last age of entry is 69 years). Child is defined as aged from 30 days onwards and is unmarried, unemployed and is studying full-time in a local institution.
Click here to learn more about Multi-Purpose Insurans - Multi Medi-Plus
Click here to see the "Table of Benefits" for Multi Medi-Plus
(This Table of Benefits is in Portable Document Format (PDF). To access, you will need Adobe® Acrobat® Reader.)
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Overseas
Assurance Corp. (M) Bhd
(OAC)
Medical and Health Insurance Product: OAC Easi-Health
Description:
OAC Easi-Health Medical Plan is a hassle-free, 24-hour comprehensive medical and surgical insurance coverage for you and your family members (family plan available).
OAC Easi-Health Medical Plan is a yearly renewable medical insurance plan that provides the necessary funds to cover medical, surgical, hospitalisation and related expenses incurred in the event of a diagnosed illness or accident including any of the 36 dread diseases.
Created specially to provide exclusive medical benefits at an affordable cost to you and your family members, the OAC Easi-Health Medical Plan is one of the simplest and most cost-effective medical plans available today.
Click here to learn more about OAC medical insurance - Easi-Health
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Pacific Insurance Bhd.
i) Medical and Health Insurance Product: PACIFIC Medi-Pac Insurance
Description:
From as little as 80 sen a day, you may have affordable and comprehensive medical insurance giving you more benefits and higher limits. The Policy provides for necessary treatment based on reasonable and customary charges at the locality where treatment is received.
The Policy is renewable at the option of the Policyholder. Pacific Insurance cannot refuse renewal or impose new exclusions during renewal. However, the product may be withdrawn from the market in accordance with the Portfolio Withdrawal Condition.
The premium is not guaranteed. However, increase in premium will be on a portfolio basis and must be approved by Bank Negara Malaysia. This means that persons who have claimed on the Policy will not be singled out to pay more premium than others.
Unisex Premium Rates - Premiums are age banded but there is no distinction between male and female premium rates.
Click here to learn more about Pacific Insurance - Medi-Pac
i) Medical and Health Insurance Product:
Medi-Major Insurance
Description:
You may have your own savings or your employer may be generous enough to provide for your medical expenses if such expenses are not exorbitant. However generally our savings and our employment benefits may be limited.
With Medi-Major Insurance, a deductible Hospitalization & Surgical insurance you can top up your protection and be prepared for any major medical treatment at a very affordable price.
Application is simple. Everyone from the ages of 19 to 60 years may apply for insurance. The policy may be extended to your dependant children between the ages of 30 days and 19 years (up to 23 years if full-time student).
Medical treatment received by an Insured Person outside Malaysia is not covered if the Insured Person resides or travels outside Malaysia for more than ninety (90) consecutive days prior to treatment overseas.
Free look period - Insured Person to the Company within fifteen (15) days from the date of delivery of the Policy. The Insured Person is entitled to the return of the full premium paid less deduction of medical expenses incurred by the Company in the issue of the Policy.
Click here to learn more about Pacific Insurance - Medi-Major
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Prudential Assurance Malaysia Berhad
Medical and Health Insurance Product: PRUmajor med 4
Description:
PRUmajor med 4 is designed to protect you by reimbursing major hospitalisation bills up to age 70.
PRUmajor med 4 is a comprehensive medical
rider
that you can attach to a number of life insurance policies offered by
Prudential: PRUlink assurance plan,
PRUlink
education plan, PRUterm, and Crisis Cover
Plus.
You will also be issued a PRUassist card, giving you access to 24-hour, worldwide, Emergency Medical Assistance.
Click here to find out more about Prudential - PRUmajor med 4
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Guide to Hospitalisation and Surgical Insurance in Malaysia
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Tahan
Insurance Malaysia Berhad
Medical and Health Insurance Product: not available at this moment
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Tokio Marine Insurans (M) Bhd
i) Medical and Health Insurance Product: Medic Partner
Description:
Tokio Marine's Medic Partner is a versatile medical plan that cushions the financial burden of expensive treatment. Comprehensive coverage with high benefits but at an affordable price.
This comprehensive yearly renewable program is tailored made for individual or family members who are Malaysian nationality. The premium will increase with age upon renewal. All Eligible Expenses are covered up to the policy limit. Organ Transplant is also covered up to the policy limit without any sub-limit benefit.
No health declaration or medical check-up is required for renewal of your policy. A Renewal Rebate of 10% is allowed to a renewal of a non-corporate policy where no claim has been intimated for the past 12 months.
Click here to learn more about Tokio Marine - Medic Partner
ii) Medical and Health Insurance Product: Medic Plus
Description:
-All eligible
expenses shall be reimbursed up to the Limits of Policy.
-Renewal guaranteed after 12 months of 'claims-free'
period.
-No requirement of re-declaration of health status at
renewal.
-'Hassle Free' facility for admission & discharge from hospitals for
disabilities and illnesses covered.
-Medical costs for organ transplants
fully reimbursable up to the Limits of Policy.
-Out-patient Physiotherapy Treatments & Home Nursing Care after
hospitalization.
Click here to learn more about Tokio Marine - Medic Plus
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Uni.Asia Life
Assurance Berhad
Medical and Health Insurance Products:
Uni Medic
and Uni Medic
Plus
Description:
Uni Medic & Uni Medic Plus are both
hospital and surgical riders which offer
hospitalization, surgical, medical, outpatient and cash benefits to the life
assured. These two products are guaranteed renewable up to age 70.
Uni Medic Plus
('Hassle-Free' Admission)
This rider offers a “Hassle
– Free” Admission to the life assured.
-Special arrangement will be made with most major hospitals and medical centers, in order to provide policyholder with greater convenience
-No admission deposit is required for all pre-authorized hospital admission (subject to terms and conditions).
('Hassle-Free' Admission)
Uni
Medic ('Pay & File' Admission)
This rider although offers
the same benefits as Uni Medic Plus, operates a “Pay & File” Admission
whereby the policyholder will pay for the hospital bill first, and then
reimburse from the Company.
Who is eligible to apply?
Age of Entry
Minimum age of entry
:30 days old
Maximum age of entry
:60 years old
Maximum age for renewal
:70 years old (nearest birthday)
Click here to learn more about Uni.Asia - Uni Medic and Uni Medic Plus
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