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, renewal is at the option of the insured member up to 100 years of age, provided renewal premium is paid before the policy expires.

Key coverage

Here is an overview of your coverage.

Hospitalisation & Surgical Benefits

Hospitalisation & Surgical Benefits

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

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: 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)

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.