| INTRODUCTION |
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With mediGUARD Lady, you have the
flexibility to choose the ideal medical plan that best suits
your needs. 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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| Protection against female illnesses: |
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Female Cancer includes almost all
types of female related cancers.
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Accidental Facial / Dental covers
facial reconstructive surgery and sound natural teeth
sustained from accident.
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Pregnancy Complications arising
from your moments of motherhood.
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Maternity Death provides a lump
sum amount for death caused by pregnancy complications.
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| Additional benefits: |
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Second Surgical Opinions covers
charges for the second opinion sought for the necessity
of an operation.
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Major Medical provides increased
annual limits on top of the Overall Annual Limit for
a range of conditions.
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Death / Permanent Total Disablement
due to accident.
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| SCHEDULE
OF BENEFIT |
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SECTION A : BENEFIT / PLAN
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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 |
| 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 |
| Female Cancer (per lifetime limit) |
5,000 |
5,000 |
5,000 |
5,000 |
5,000 |
5,000 |
| Accidental Facial / Dental Cosmetic(per
lifetime limit) |
2,500 |
3,500 |
5,000 |
6,500 |
8,000 |
10,000 |
| Pregnancy Complications |
5,000 |
6,000 |
7,000 |
8,000 |
9,000 |
10,000 |
| Maternity Death |
10,000 |
15,000 |
20,000 |
25,000 |
30,000 |
35,000 |
| OVERALL ANNUAL LIMIT |
50,000 |
70,000 |
90,000 |
110,000 |
130,000 |
150,000 |
| DOUBLE OVERALL ANNUAL LIMIT FOR
ACCIDENTAL INJURY WHILST TRAVELING OVERSEAS |
100,000 |
140,000 |
180,000 |
220,000 |
260,000 |
300,000 |
| MAJOR MEDICAL (per lifetime limit) |
10,000 |
15,000 |
20,000 |
25,000 |
30,000 |
35,000 |
| LIFETIME LIMIT |
150,000 |
210,000 |
270,000 |
330,000 |
390,000 |
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 |
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SECTION B : BENEFIT / PLAN
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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
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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 |
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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 19 years old up to 65 years old. 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.
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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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| Section A : With Medical Card Option |
| Age / Plan |
Plan 1 |
Plan 2 |
Plan 3 |
Plan 4 |
Plan 5 |
Plan 6 |
| 19-25 |
441 |
499 |
565 |
690 |
859 |
1,000 |
| 26-35 |
590 |
671 |
759 |
919 |
1,124 |
1,297 |
| 36-45 |
708 |
804 |
917 |
1,114 |
1,371 |
1,595 |
| 46-55 |
913 |
1,050 |
1,215 |
1,481 |
1,852 |
2,173 |
| 56-60 |
1,156 |
1,368 |
1,608 |
1,995 |
2,547 |
3,020 |
| 61-65 |
1,481 |
1,773 |
2,091 |
2,596 |
3,334 |
3,967 |
| 66-70 (Renewal only) |
1,981 |
2,413 |
2,858 |
3,536 |
4,584 |
5,501 |
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| Section A : Without Medical Card (Reimbursement
Basis) Option |
| Age / Plan |
Plan 1 |
Plan 2 |
Plan 3 |
Plan 4 |
Plan 5 |
Plan 6 |
| 19-25 |
397 |
449 |
509 |
621 |
773 |
900 |
| 26-35 |
531 |
604 |
683 |
827 |
1,011 |
1,167 |
| 36-45 |
637 |
723 |
825 |
1,002 |
1,234 |
1,436 |
| 46-55 |
821 |
945 |
1,093 |
1,333 |
1,667 |
1,956 |
| 56-60 |
1,041 |
1,231 |
1,447 |
1,796 |
2,293 |
2,718 |
| 61-65 |
1,333 |
1,596 |
1,882 |
2,337 |
3,000 |
3,570 |
| 66-70 (Renewal only) |
1,783 |
2,172 |
2,573 |
3,183 |
4,126 |
4,951 |
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| 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 |
| 19-25 |
739 |
797 |
863 |
988 |
1,157 |
1,298 |
| 26-35 |
888 |
969 |
1,057 |
1,217 |
1,422 |
1,595 |
| 36-45 |
1,006 |
1,102 |
1,215 |
1,412 |
1,669 |
1,893 |
| 46-55 |
1,211 |
1,348 |
1,513 |
1,779 |
2,150 |
2,471 |
| 56-60 |
1,454 |
1,666 |
1,906 |
2,293 |
2,845 |
3,318 |
| 61-65 |
1,779 |
2,071 |
2,389 |
2,894 |
3,632 |
4,265 |
| 66-70 (Renewal only) |
2,279 |
2,711 |
3,156 |
3,834 |
4,882 |
5,799 |
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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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