Product Description

What is MediSecure insurance?

A health plan with guaranteed renewal up to 80 years old and no lifetime limit.

Life’s unpredictability can make it wonderful and exciting, and challenging at the same time. That is why, it is important to be ready for the unexpected events in life so you can ease the uncertainties and bounce back from any setbacks.

As the Malay saying goes, “sediakan payung sebelum hujan", which literally means preparing an umbrella before it rains – MediSecure can be that plan to safeguard your health so if anything unfortunate happens, you’ll be glad to know that you’re covered and your loved ones won’t be financially burdened.

What does MediSecure insurance covers?

MediSecure provides for reimbursement of hospitalisation and surgical expenses incurred due to illnesses or accidents covered under the policy.

With MediSecure, you have the flexibility to choose the optional protection (i.e. top-up benefits, deductible) that you need.
 

What are the salient features of MediSecure insurance?

• Guaranteed Renewal up to 80 years old (age at next birthday)
• No Lifetime Limit
• Flexible Co-Payment
• Higher entry age up to 65 years old (age at next birthday)  
• 10% No Claim Bonus on Initial Overall Annual Limit at each renewal (up to 5 years)
• Discount up to 50% on Annual Premium with Deductible option
• Extra Benefits for Medi500 and Medi380 at No Extra Charge
• Option to Top Up Benefits with additional premium 
• Automatic Renewal option
• 0% interest for 6 or 12 month installments with selected credit cards for Individual Policyholders
• Cashless hospital admission for Non-Deductible Policy
• Worldwide Coverage
• Tax relief up to RM3,000

What are the covers/benefits of MediSecure insurance?

Section 1 - Inpatient/Daycare/Outpatient Benefits
• Hospital Room and Board
• Intensive Care Unit/Critical Care Unit/High Dependency Unit
• Hospital Supplies and Services
• Surgical Fees
• Anaesthetist Fee
• Operating Theatre
• In-Hospital Physician Visit
• Pre-Hospital Specialist Consultation
• Pre-Hospital Diagnostic Tests
• Post-Hospitalisation Treatment
• Organ Transplant 
• Day Surgery
• Annual Outpatient Kidney Dialysis Treatment
• Annual Outpatient Cancer Treatment
• Ambulance Fees
• Emergency Accidental Outpatient Treatment
• Emergency Accidental Outpatient Dental Treatment
• Medical Report Fees
• Daily Cash Allowance at Malaysian Government Hospital

Section 2 – Extra Benefits (applicable to plan Medi500 and Medi380 only)
• Hospital Income
• Critical Illness Benefit
• Bereavement Allowance

Section 3 – Top Up Benefits (with additional premium)
• Annual Outpatient Kidney Dialysis Treatment
• Annual Outpatient Cancer Treatment
• Second Surgical Opinion
• Annual Outpatient Physiotherapy/Stroke Treatment
• Home Nursing Care
• Emergency Sickness Treatment
• Accidental Outpatient Alternative Medical Treatment
• International Emergency Medical Evacuation and Repatriation

Who is eligible to cover under MediSecure insurance?

The following persons who are permanently residing in Malaysia are eligible for the cover:
• Malaysian Citizens
• Permanent Residents (PR)  of Malaysia
• Foreigners (Expatriate) with valid work permit in Malaysia
• Full-time foreign students in Malaysia
• MM2H applicants

What is the age limit under MediSecure insurance?

For Adult: Age between 18 and 65 years at new entry, renewable up to 80 years
For Child: Unmarried and unemployed children who have attained the age of 30 days old but under 19 years of age, or up to 23 years if they are still full time student at a recognised educational institution

How much premium do I have to pay under MediSecure insurance?

The premium you have to pay may vary depending on your choice of plan, occupation, age group, gender and our underwriting requirements.
 

For more information, please click on the below link to view or download the documents.
• Brochure (English, Malay)
• Product Disclosure Sheet (PDS) (English, Malay)
• Proposal Form
• Admission Flow and Panel Hospital List
• 0% Instalment Payment Plan (IPP) Credit Card Debit Authorisation
• Policy Wordings (English, Malay)

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