• Designed to cover hospitalisation costs as a result of accidents or sickness.
• Also provides medical card facilities for admission to and discharge from hospitals, for covered disabilities.
• All eligible expenses are reimbursable up to the limits of the policy.

Flexibility in renewal

• Renewal is subject to the insured’s decision (premium rates are not guaranteed).
• No requirement for re-declaration of health status at renewal.

Deductibility options

• Deductible of RM10,000 per disability per policy year.
• Deductible of RM5,000 if confined to a Malaysia government hospital.

Outpatient Benefits

• Home Nursing Care
  
• Outpatient Physiotherapy Treatment
• Outpatient Cancer Treatment
• Pre-Hospitalisation Diagnostic Tests & Specialist Consultation
• Post-Hospitalisation Treatment
• Outpatient Kidney Dialysis Treatment (per year)

Inpatient Benefits

• Hospital Room & Board
• Surgeon Fees
• Anaesthetist Fees
• Intensive Care Unit
• Hospital Services & Supplies
• Operation Theatre
• In-hospital Physician Visit

Special Benefits

• Organ Transplant
• Accidental Death Benefit
• Overall Annual Limit and Lifetime Limit

Your premium may vary, depending on

• Your age
• The selected plan of your choice
• Your health status
• Your occupational risk

For example,

• Age: 30 years old
• Plan: MPD
• Health Status: Normal/Standard

In this instance, the total premium you have to pay will be RM160.00.
(Premium is subject to RM10 Stamp Duty, and 6% Service Tax for Corporate 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; these will be covered after 12 months of your insurance cover). 

✖Specific illnesses 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.

✖Criminal activities.