Product information

Premier Medic Partner Brochure (English)

Medical Insurance Proposal Form

The benefit(s) payable under eligible policy is protected by PIDM up to limits. Please refer to PIDM’s TIPS Brochure or contact TMIM or PIDM (visit www.pidm.gov.my).

Why Premier
Medic Partner

Benefits at a glance.

Varied options:

4 available plans.

Coverage up to RM120,000.
All eligible expenses are reimbursable up to the policy limit.
Medical cost for organ transplant is fully reimbursable up to the policy limit.

Long-term renewal option

If you take up the policy before age 65, renewal is at the option of the insured member up to 100 years old, provided renewal premium is paid before the policy expires.
Renewal is at the option of the insured member. However, premium rates are not guaranteed.

Comprehensive health coverage

Includes medical card facilities for admission to and discharge from hospitals for covered disabilities.

Key coverage

Here is an overview of your coverage

Hospitalisation & Surgical Benefits

Outpatient Benefits

Home Nursing Care
Outpatient Physiotherapy Treatment (within 60 days upon discharge)
Pre-Hospitalisation Diagnostic Tests & Specialist Consultation (31 days prior to Hospitalisation)
Post-Hospitalisation Treatment (within 60 days upon discharge)
Emergency Accident Outpatient Treatment (within 24 hours from time of accident)
Emergency Accident Dental Treatment (within 48 hours from time of accident)
Outpatient cancer treatment (per year)
Outpatient kidney dialysis treatment (per year)

Inpatient Benefits

Hospital Room & Board
Surgeon Fees (including Day Care Surgery and Pre & Post Surgical care up to 60 days)
Anaesthetist Fees
Intensive Care Unit
Hospital Services & Supplies
Operation Theatre
In-hospital Physician Visit (daily, up to 150 days)
Daily Cash Allowance at Government Hospital (up to 150 days)

Extended Benefits

Ambulance Fee
Lodger Benefit (daily, up to 60 days)
Traditional medical treatment
Medical report fee
Organ Transplant (once per lifetime)
Funeral benefit

How much is my premium?

Your premium may vary, depending on

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

What we
don’t cover

✖Sickness arising within the first 30 days of insurance.

✖Pre-existing conditions, except disabilities that are declared to the company in the proposal form; that for which the company does not impose any condition, 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.

Note:
This list is non-exhaustive. Please refer to the sample policy contract for the full list of exclusions under this policy.

Important Information

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 of 2 September 2025.

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 check 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.  