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Medical Insurance



Eligible Expenses
All eligible expenses are reimbursable up to the Limits of Policy.

Easy Renewal
No requirement of re–declaration of health status at renewal.

Anaesthesia
Reimburses the professional fees for the supply and administration of anaesthesia. 

Highlights

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 transplant are fully reimbursable up to the Limits of Policy.
Medical costs for organ transplants fully reimbursable up to the Limits of Policy.
Covered:
 
- Out–patient treatment for Cancer &/or Kidney Dialysis.
- Out–patient Physiotherapy Treatments & Home Nursing Care after hospitalisation.
 
 
Max Lifetime Limit: RM750,000
  • 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 transplant are fully reimbursable up to the Limits of Policy.
  • Covered: - Out–patient treatment for Cancer &/or Kidney Dialysis.      
       - Out–patient Physiotherapy Treatments & Home Nursing Care after hospitalisation.  
  • Max Lifetime Limit: RM750,000
 Benefit
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Hospital Room & Board
 Reimburses the daily charges made by the hospital for room accommodation and meals incurred by the Insured Person for each day of confinement as registered bed–paying patient in a Hospital.
   
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Intensive Care Unit
Reimburses daily charges for confinement in an Intensive Care Unit or Cardiac Care Unit where prescribed by attending Physician or Surgeon.
   
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Surgeon Fees
Reimburses professional fees charged by the Surgeon for a Surgery performed. This includes Surgeon’s ward visits, pre–surgical assessment and all normal post–surgical care up to 60 days before and after the operation.

Surgeon Fee shall also includes professional fees charged by a second Physician or Surgeon who may be consulted prior and during Hospitalisation of Insured Person for the Surgery.
 
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Anaesthetist Fees
Reimburses professional fees charged by the Anaesthesiologist for the supply and administration of anaesthesia incidental to the performance of a Surgery.
 
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Operating Theatre
 Reimburses Operating Room charges incidental to the performance of a Surgery.
   
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Hospital Services and Supplies
Reimburses charges for general nursing, prescribed and consumed drugs and medicines, dressings, splints, plaster casts, x–ray, diagnostic tests, laboratory examinations, electrocardiograms, physiotherapy, rental of appliances, surgical implants, basal metabolism tests, intravenous injections and solutions, administrations of blood and blood plasma, oxygen and its administration, and eligible Government Service Tax whilst the Insured Person is confined as a bed–paying patient in a Hospital.
   
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In–Hospital Physician Visits
Reimburses professional fees charged by a Physician for visiting bed–paying patient while confined for a non-surgical Disability.
 
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Pre-Hospital Diagnostic Tests
Reimburses charges for ECG, X–ray, laboratory and diagnostic tests which are performed for diagnostic purposes and when in connection with a Disability preceding Hospitalisation within sixty (60) days and which are recommended by a Physician. No benefit shall be made if upon such diagnostic services, the Insured Person does not result in Hospitalisation for the treatment of the medical condition diagnosed. Cost incurred for any medications and consultation will not be payable under this benefit.
 
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Pre–Hospital Specialist Consultation
Reimburses the professional fees charged for the first time consultation by a Specialist in connection with a Disability within sixty (60) days preceding Hospitalisation and provided that such consultation has been recommended in writing by a Doctor. No benefit shall be made for clinical treatment (including medications and subsequent consultation after the Disability is diagnosed) or where the Insured Person does not result in Hospitalisation for the treatment of the medical condition diagnosed.
 
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Post–Hospitalisation Treatment
Reimburses medical charges for follow–up treatment by the same attending Physician and incurred within sixty (60) days immediately following discharged from Hospital for a non–surgical Disability. This shall include medicines prescribed during the follow–up treatment but shall not exceed the supply needed for the said sixty (60) days period.
 
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Home Nursing Care
Reimburses the daily professional fees for the services rendered by a medically qualified and licensed Nurse in the Insured Person’s home and incurred within sixty (60) days immediately following discharged from Hospital Provided that such services is deemed to be Medically Necessary by the attending Physician in writing. The Plan and schedule of the treatment for this Home Nursing Care must be established and prescribed in writing by the attending Physician. No payment will be made for custodial care, meal, general housekeeping services, companion, rest cure or personal comfort items.
 
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Organ Transplant
Reimburses medical charges incurred on transplantation surgery for the Insured Person being the recipient of the transplant of a Kidney, Heart, Lung, Liver or Bone Marrow. Payment for this Benefit is applicable only once per Lifetime of an Insured Person whilst the Policy in force. The costs of acquisition of the organ and all costs incurred by the donors are not covered.
   
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Outpatient Physiotherapy Treatment
Reimburses the daily professional fees charged by a legally and medically qualified Physiotherapist for outpatient physiotherapy treatment and incurred within one hundred (100) days immediately following discharged from Hospital Provided that such service is deemed to be Medically Necessary by the attending Physician in writing.
 
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Outpatient Cancer &/or Kidney Dialysis Treatment
 If an Insured Person is diagnosed with Cancer or Kidney Failure as defined herein, the Company will reimburse medical charges incurred for the treatment of Cancer or Kidney Failure provided such treatment (radiotherapy &/or chemotherapy for Cancer and Dialysis for Kidney Failure but excluding costs for consultation, examination tests, take home drugs) is received at the outpatient department of a Hospital or a legally registered Cancer treatment center of Kidney Dialysis center immediately following discharge from Hospital confinement or surgery.
 
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Accidental Death Benefit
Pays the Insured a stated lump sum benefit in the event of Accidental Death of an Insured Person if death occurs within six (6) months from the date of the Accident.
             
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