Tokio Marine SayangCare

Product information

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 Tokio Marine
SayangCare

Benefits at a glance.

Hospital & Surgical Insurance coverage up to RM10,000 per annum
Affordable premiums starting from RM300 per annum
Co-insurance options available at a premium discount
RM 100 daily cash allowance at Government Hospital
All eligible expenses shall be on reimbursement basis
No lifetime limit

Key coverage

Here is an overview of your coverage

Hospitalisation & Surgical Benefits

Inpatient Benefits

Hospital Room & Board
Surgeon Fees
Day Care Surgery
Anaesthetist Fees
Intensive Care Unit
Hospital Services & Supplies
Operation Theatre
In-hospital Physician Visit (daily, up to 180 days)
Daily Cash Allowance at Government Hospital (up to 180 days)

Outpatient Benefits

Pre-Hospitalisation Diagnostic Tests & Specialist Consultation (within 60 days prior to Hospitalisation)
Post-Hospitalisation Treatment (within 60 days after discharge)

Extended Benefits

Ambulance Fee
Medical report fee

How much is my premium?

Your premium may vary, depending on

Your age (next birthday)
The selected plan of your choice

Please refer to marketing brochure for annual premium.

What we
don’t cover

✖Sickness arising within the first 30 days of insurance.

✖Pre-existing conditions.

✖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 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 1 March 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.  