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You are here: Skip Navigation LinksHome > Insurance > Products > Product Gallery > MediGuard Family
MEDIGUARD FAMILY
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POLICY DETAILS
Product Details
Description of Benefits
Exclusions
Special Provision & Conditions
Product Disclosure Sheets
mediGUARD Family


INTRODUCTION back to top
 
Health is precious especially to your loved ones, when a sudden illness or accident could leave you financially burdened. As hospital costs are getting higher and higher, give them the protection that they rightly deserve with the most comprehensive medical and hospitalization plan......mediGUARD Family. With mediGUARD Family, you are offered choice of plans with or without a medical card.
 
With A Medical Card - Hospital Admission And Discharge Will Be Hassle Free
 
You will be given a Kurnia Insurans medical card. Just present your card at any of our panel hospitals to get admitted, no deposit required. Click here to search for a panel hospital. This card guarantees hassle free admission and discharge for a covered condition. You may only need to settle non-payable charges, if any.
   
Without A Medical Card - You Have Free Choice Of Hospital
 
Just settle your full bill upon discharge and submit to Kurnia Insurans for claims reimbursement for a covered condition.
 
You can enjoy generous additional benefits:
-
Out-Patient Kidney Dialysis / Cancer Treatment
-
Emergency Accidental & Dental Out-Patient Treatment
-
Out-Patient Physiotherapy Treatment
-
Organ Transplant
- Insured Daily Guardian Benefit
-
Second Surgical Opinions
-
AIDS
- Home Nursing
- Double Overall Annual Limit For Accident Occurs Overseas
- Major Medical
- Accidental Death
- Permanent Total Disablement Due To Accidental Injury
- Bereavement Benefit On Accidental Death
- Out-Patient Clinical Benefit (Optional). Click here to search for a panel clinic.
- Full Reimbursement for Government Hospital (up to overall annual limit)


SCHEDULE OF BENEFIT back to top
 
SECTION A : BENEFIT / PLAN
Plan 1
(RM)
Plan 2
(RM)
Plan 3
(RM)
Plan 4
(RM)
Plan 5
(RM)
Plan 6
(RM)
IN-HOSPITAL BENEFITS Maximum Per Disability
Accommodation:
Hospital Room & Board (daily max up to 150 days) 100 150 200 250 400 600
Intensive Care Unit, ICU (daily max up to 20 days) Full Reimbursement
Medical & Surgical Procedures:
Surgical Fees (including post-surgery care up to 60 days from date of surgery) Full Reimbursement
Operating Theatre
Anaesthetist Fee
Pre-Hospital Diagnostic Tests & Specialist Consultation (31 days prior to admission)
In-Hospital Physician Visit (daily max up to 150 days)
Post-Hospitalization Treatment (within 60 days from date of discharge)
Hospital Supplies & Services
Prescribed Medicines (within 150 days during hospitalization and 60 days after discharge)
Ambulance Fees
OUT-OF-HOSPITAL BENEFITS
Out-Patient Benefits:
Annual Out-Patient Kidney Dialysis Treatment 20,000 25,000 35,000 40,000 50,000 60,000
Annual Out-Patient Cancer Treatment 20,000 25,000 35,000 40,000 50,000 60,000
Emergency Accidental & Dental Out-Patient Treatment (seek treatment within 24 hours and follow-up within 31 days) Full Reimbursement
Out-Patient Physiotherapy Treatment (within 60 days from discharge)
EXTENDED BENEFITS
Organ Transplant (per lifetime limit) Full Reimbursement
Daily-Cash Allowance At Government Hospital (up to 150 days) 50 60 70 80 90 100
Insured Daily Guardian Benefit (aged below 15 years, up to 150 days) 50 50 50 50 50 50
Medical Report 50 50 50 50 50 50
Second Surgical Opinions 50 50 70 70 100 150
Government Service Tax 5% of Hospital Room & Board Eligible Expenses Reimbursable
SPECIAL BENEFITS
AIDS (per lifetime limit) 5,000 5,000 5,000 10,000 10,000 10,000
Home Nursing 5,000 5,000 6,000 8,000 8,000 10,000
OVERALL ANNUAL LIMIT 70,000 80,000 90,000 100,000 120,000 150,000
DOUBLE OVERALL ANNUAL LIMIT FOR ACCIDENTAL INJURY WHILST TRAVELING OVERSEAS 140,000 160,000 180,000 200,000 240,000 300,000
MAJOR MEDICAL (per lifetime limit) 10,000 15,000 20,000 25,000 30,000 35,000
LIFETIME LIMIT 210,000 240,000 270,000 300,000 360,000 450,000
PERSONAL ACCIDENT BENEFITS
Accidental Death 10,000 15,000 20,000 25,000 30,000 35,000
Permanent Total Disablement Due To Accidental Injury 10,000 15,000 20,000 25,000 30,000 35,000
Bereavement Benefit On Accidental Death Only 1,500 1,500 1,500 1,500 1,500 1,500
 
SECTION B : BENEFIT / PLAN
Plan 1 Plan 2 Plan 3 Plan 4 Plan 5 Plan 6
OUT-PATIENT CLINICAL BENEFITS (OPTIONAL)
Out-Patient GP Care (in the Physician's office or clinic)
· Consultation
· Medication
· Diagnostic Test (for accidental injury only)
Panel
- Co-payment RM 5 per visit
- Unlimited number of visits per annum

Non-Panel
- Reimburse up to 80% of the actual charges or maximum RM 20 per visit, subject to emergency basis only

Out-Patient Specialist Care (in the Physician's office or clinic)
· Consultation
· Medication
· Diagnostic Test (for accidental injury only)
Co-payment RM5 per visit up to RM100 per visit (inclusive of co-payment) subject to referral by panel clinics only (reimbursement basis)
Preventive Screening For Annual Pap Smear Or Prostate Specific Antigen Full Reimbursement at panel GP clinics only
OVERALL ANNUAL LIMIT RM 1,500
LIFETIME LIMIT RM 4,500
 
Please refer to Description of Benefits for definition of terms.


ELIGIBILITY back to top
 
Enrolment age up to 65 years old and any child from 30 days to 19 (if unmarried) or 23 years old (if unmarried & completing tertiary studies). Renewal is up to age 65 at the option of the Policyholder, thereafter at the discretion of the Company up to 70 and provided that you are enrolled before 61 years old.


PREMIUM back to top
 
Premium is calculated based on age next birthday and type of plan.
 
Annual Premium Table On Age Next Birthday (RM)
 
Section A : With Medical Card Option
Age / Plan Plan 1 Plan 2 Plan 3 Plan 4 Plan 5 Plan 6
30 days - 18 575 659 740 914 1,137 1,288
19-25 468 534 605 735 910 1,049
26-35 476 542 616 748 925 1,067
36-45 599 686 790 966 1,203 1,399
46-55 896 1,047 1,226 1,514 1,911 2,242
56-60 1,202 1,426 1,680 2,087 2,659 3,132
61-65 1,549 1,860 2,200 2,735 3,507 4,148
66-70 (Renewal only) 2,087 2,549 3,028 3,755 4,861 5,803
 
Section A : Without Medical Card (Reimbursement Basis) Option
Age / Plan Plan 1 Plan 2 Plan 3 Plan 4 Plan 5 Plan 6
30 days - 18 501 579 654 815 1,021 1,160
19-25 402 463 529 649 811 939
26-35 410 471 539 661 825 957
36-45 523 604 700 863 1,083 1,264
46-55 799 938 1,103 1,369 1,737 2,043
56-60 1,082 1,288 1,523 1,900 2,429 2,866
61-65 1,403 1,690 2,004 2,500 3,213 3,807
66-70 (Renewal only) 1,900 2,327 2,771 3,442 4,466 5,337
 
Section A & B : With Medical Card & Out-Patient Clinical Benefit Option
Age / Plan Plan 1 Plan 2 Plan 3 Plan 4 Plan 5 Plan 6
30 days - 18 873 957 1,038 1,212 1,435 1,586
19-25 766 832 903 1,033 1,208 1,347
26-35 774 840 914 1,046 1,223 1,365
36-45 897 984 1,088 1,264 1,501 1,697
46-55 1,194 1,345 1,524 1,812 2,209 2,540
56-60 1,500 1,724 1,978 2,385 2,957 3,430
61-65 1,847 2,158 2,498 3,033 3,805 4,446
66-70 (Renewal only) 2,385 2,847 3,326 4,053 5,159 6,101
 
Loading will be imposed based on height and weight of the insured person. Please refer to Height and Weight Table


PRODUCT DISCLOSURE SHEETS back to top
 
Click here to view Product Disclosure Sheets (PDS).


HOW TO BUY back to top
1 Buy directly from Kurnia Branch
2 Buy directly from our Agents
3 Make Product Enquiry


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