Medic Plus

Product Literature

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 Medic Plus

Benefits at a glance.

Hospitalisation cover

Designed to cover hospitalisation costs as a result of accidents or sickness.
Also provides medical card facilities for admission to and discharge from hospitals, for covered disabilities.
All eligible expenses are reimbursable up to the limits of the policy.

Flexibility in renewal

Renewal is subject to the insured’s decision (premium rates are not guaranteed).
No requirement for re-declaration of health status at renewal.

Deductibility options

Deductible of RM10,000 per disability per policy year.
Deductible of RM5,000 if confined to a Malaysia government hospital.

Key coverage

Here is an overview of your coverage.

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)

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; these will be covered after 12 months of your insurance cover).

✖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.

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 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 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.  