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.

Key coverage

Here is an overview of your coverage

Hospitalisation & Surgical Benefits

Hospitalisation & Surgical Benefits

Outpatient 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)


Inpatient Benefits

  • Hospital Room & Board (up to 150 days)
  • Surgeon Fees
  • Anaesthetist Fees
  • Intensive Care Unit (daily, up to 75 days)
  • Hospital Services & Supplies
  • Operation Theatre
  • 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)


Special Benefits

  • Ambulance fee
  • 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

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

For example,

  • Age: 30 years old
  • Plan: M160
  • Health Status: Normal/Standard

In this instance, your premium will be RM648.00
(Premium is subject to RM10 Stamp Duty, and 6% Service Tax for Corporate policy)

Download our brochures under the Product Literature

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What we don’t cover

  • 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
  • Criminal activities
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 at 1st September 2018.

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.