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| MEDIGUARD JUNIOR |
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| INTRODUCTION |
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You can count on us to lead your child
a life with our new and affordable mediGUARD Junior. You
are offered choice of plans with or without a medical card.
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With A Medical Card - Hospital
Admission And Discharge Will Be Hassle Free
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You will be given a Kurnia Insurans
(Malaysia) Berhad 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. |
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Without A Medical Card - You Have Free Choice Of
Hospital |
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Just settle your full bill upon
discharge and submit to Kurnia Insurans (Malaysia)
Berhad for claims reimbursement for a covered condition.
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| You can enjoy generous additional benefits: |
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Emergency Accidental & Dental
Out-Patient Treatment
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Daily-Cash Allowance at Government
Hospital
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Insured Daily Guardian Benefit
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Full Reimbursement for Government
Hospital (up to overall annual limit)
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| SCHEDULE
OF BENEFIT |
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BENEFIT / PLAN
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Plan 1
(RM) |
Plan 2
(RM) |
Plan 3
(RM) |
Plan 4
(RM) |
| IN-HOSPITAL BENEFITS |
Maximum Per Disability |
| Accommodation: |
| Hospital Room & Board (daily max
up to 150 days) |
100 |
150 |
200 |
250 |
| 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 |
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| OUT-OF-HOSPITAL BENEFITS |
| Out-Patient
Benefits: |
| Emergency Accidental & Dental
Out-Patient Treatment (seek treatment within 24
hours and follow-up within 31 days) |
Full Reimbursement |
| EXTENDED BENEFITS |
| Daily-Cash Allowance At Government
Hospital (up to 150 days) |
50 |
60 |
70 |
80 |
| Insured Daily Guardian Benefit (aged
below 15 years, up to 150 days) |
50 |
50 |
50 |
50 |
| Medical Report |
50 |
50 |
50 |
50 |
| Government Service Tax |
5% of Hospital Room & Board Eligible
Expenses Reimbursable |
| OVERALL ANNUAL LIMIT |
30,000 |
35,000 |
40,000 |
45,000 |
| LIFETIME LIMIT |
90,000 |
105,000 |
120,000 |
135,000 |
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| Please refer to Description
of Benefits for definition of terms. |
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| ELIGIBILITY |
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Enrolment age from 30 days
up to 18 years old.
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| PREMIUM |
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Premium is calculated based on age next
birthday and type of plan.
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| Annual Premium Table On
Age Next Birthday (RM) |
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| With Medical Card Option |
| Age / Plan |
Plan 1 |
Plan 2 |
Plan 3 |
Plan 4 |
| 30 days - 18 |
316 |
375 |
439 |
536 |
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| Without Medical Card (Reimbursement Basis)
Option |
| Age / Plan |
Plan 1 |
Plan 2 |
Plan 3 |
Plan 4 |
| 30 days - 18 |
285 |
338 |
395 |
482 |
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| PRODUCT DISCLOSURE SHEETS |
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| Click
here to view Product Disclosure Sheets (PDS). |
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| HOW TO BUY |
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