First-rate peace of mind. Second level of coverage.
What is Medic Plus insurance?
It supplements your existing medical insurance and provides a secondary level of hospital and surgical insurance coverage.
Renewal is at the option of the insured member, Premium rates are not guaranteed
All eligible expenses are reimbursable up to the limits of the policy
No requirement of re-declaration of health status at renewal
Deductible RM10,000 per disability per policy year
Deductible of RM5,000 if confined to a Malaysian Government Hospital
This plan also provides medical card facilities for admission and discharge from hospitals for covered disabilities
Medic Plus is designed to cover hospitalization costs as a result of accidents or sickness.
This policy is subject to a deductible of RM10,000 per disability per year.
This amount must be paid out of pocket before we pay any expenses, as the purpose of Medic Plus is to complement any existing coverage that you may have. However, if you do not have any existing medical coverage, it enables you to enjoy high limits of cover at an affordable premium.
If you take up this policy below the age of 65, the renewal is guaranteed up to 100 years – provided the renewal premium is paid before the expiry of the policy.
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.