Affordable coverage for hefty hospital expenses to take your pain away.
What is Medic Partner insurance?
It is a medical insurance policy which covers expensive medical costs incurred by you for hospitalization due to accidents or sickness.
The plan provides:
A family discount of 10% on the published individual premium for a Personal Policy for three or more family members
A renewal rebate of 10% on the published individual premium for a renewal of Personal Policy, if no claim has been made in the past twelve (12) months
‘Medical Card’ facilities for admission and discharge from hospitals for covered disabilities
24-hour worldwide Emergency Medical Assistance Service (EMAS) – a full indemnity programme with round-the-clock medical assistance up to a limit of RM1,750,000 per year, and no geographical restriction imposed
What it covers
Hospitalization and treatment costs due to accidents or sickness if you take up this policy below the age of 65, renewal is at the option of the company and up to 100 years of age.
Here is an overview of your coverage
Hospitalisation & Surgical Benefits
Day Care Surgery
Pre-Hospitalisation and Pre-Surgical Diagnostic tests & Pre-Hospitalisation Specialist Fees
Emergency Accidental Outpatient Treatment
Emergency Accidental Dental Treatment
Outpatient Physiotherapy Treatment (daily, up to 100 days)
Monthly Outpatient Cancer or Kidney Dialysis
Home Nursing Care (daily, up to 60 days)
Hospital Room & Board (up to 150 days)
Intensive Care Unit (daily, up to 75 days)
Hospital Services & Supplies
In-hospital Physician Visit (daily, up to 150 days)
Post-Hospitalisation Treatment (within 60 days after discharge)
Daily cash allowance at General Hospitals (up to 150 days)
Ambulance fee & Government Service Tax
Organ Transplant (once per lifetime)
Insured’s Child Daily Guardian Benefit
Accidental Death Benefit
Overall Annual Limit
24-hour worldwide Emergency Medical Assistance Service (EMAS), optional for children
How much is my premium?
Your premium may vary, depending on
The selected plan of your choice
Your health status
Age: 30 years old
Health Status: Normal/Standard
In this instance, your premium will be RM686.88
(Premium is inclusive of 6% GST and subject to RM10 Stamp Duty)
Sickness arising within the first 30 days of insurance
Pre-existing conditions, except disabilities that are declared in the proposal form; and for which the company does not impose any condition, will be covered after 12 months of your insurance cover
Specific illness occurring during the first 120 days of continuous cover
Cosmetic treatments, dental conditions or refractive errors of the eyes except due to accidental injury
Congenital abnormalities or pregnancy-related conditions
AIDS or sexually transmitted diseases
Self-inflicted injuries, drug addiction, mental or nervous disorders
Non-medically necessary expenses, weight control, sexual dysfunction, medical examinations, investigative procedures, or preventive treatment
Nuclear or military-related activities
Racing (other than foot racing), professional sports, or underwater activities
This list is non-exhaustive. Please refer to the sample policy contract for the full list of exclusions under this policy.
This plan is underwritten by Tokio Marine Insurans (Malaysia) Berhad. All benefits and features mentioned herein are subject to terms and conditions of the policy. It is in your best interest to refer to the Policy Contract for the precise terms and conditions of this insurance plan. The information shown here is for reference only and is accurate as at 1st February 2016.
The duration of cover is for one year. You need to renew your cover annually.
You are to truthfully, correctly and completely answer all questions in the proposal form and disclose fully and faithfully all the facts which you know (or reasonably in the circumstances could be expected to know) to be relevant to our decision on whether to accept the risk or not, and the rate and terms to be applied; otherwise the Policy issued may be void.
Note: You should satisfy yourself that this policy will best serve your needs. You should read and understand the insurance policy, and at all times, feel free to contact us for more information.