What is Premier Medic Partner insurance?

It is a comprehensive medical insurance policy that takes care of your medical expenses and cushions your financial burden.

  • All eligible expenses are reimbursable up to the policy limit.
  • Renewal is at the option of the insured member. However, premium rates are not guaranteed.
  • Medical cost for organ transplant is fully reimbursable up to the policy limit.
  • This plan also provides medical card facilities for admission and discharge from hospitals for covered disabilities.


Your coverage is not just for one year, but is renewable up to 100 years of age.

If you take up this policy before the age of 65, renewal is at the option of the insured member up to 100 years, 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 (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 hospital allowance at government hospital (daily, up to 150 days)


Special Benefits

  • Ambulance Fee
  • Lodger Benefit (daily, up to 60 days)
  • Traditional medical treatment
  • Medical report fee
  • Overall Annual Limit
  • Organ Transplant (once per lifetime)
  • Funeral benefit
  • Lifetime limit per person

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: PM160
  • Health Status: Standard Risk

In this instance, your premium will be RM599.00.
(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 Condition, 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 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.

It is important that you read and understand the Terms, Conditions and Exclusions of the policy.