HOSPITAL ROOM & BOARD - Reimbursement of the room accommodation and meals during confinement in a hospital as an in-patient.

INTENSIVE CARE UNIT - Reimbursement of the actual room and board incurred during confinement as an in-patient in the Intensive Care Unit of the Hospital.

SURGICAL FEES - Reimbursement of the charges for a surgery by the Specialists, pre-surgical assessment, Specialist's visits and post-surgery care from the date of surgery.

OPERATING THEATRE - Reimbursement of operating room charges incidental to the surgical procedure.

ANAESTHETIST FEE - Reimbursement of fees charged by the Anaesthetist for the administration of anaesthesia.

PRE-HOSPITAL DIAGNOSTIC TESTS - Reimbursement of fees charged for ECG, x-ray and laboratory examinations recommended by a qualified medical practitioner for the determination of an illness or injury. Medications and consultation charged by the medical practitioner will not be payable.

PRE-HOSPITAL SPECIALIST CONSULTATION - Reimbursement of the first consultation fees charged by a Specialist in connection with a Disability and provided that such consultation has been recommended in writing by the attending general practitioner. Payment will not be made for clinical treatment (including medications and subsequent consultation after the illness is diagnosed).

IN-HOSPITAL PHYSICIAN VISIT - Reimbursement of fees charged by the attending physician for visiting an in-paying patient while confined for a non-surgical Disability, subject to a maximum of 1 visit per day.

POST-HOSPITALIZATION TREATMENT - Reimbursement of charges for follow-up treatments following discharge from a hospital for a non-surgical confinement administered by the same physician.

HOSPITAL SUPPLIES & SERVICES - Reimbursement of charges made by the Hospital for general nursing, dressings, splints, plaster casts, x-ray, laboratory examinations, electrocardiograms, physiotherapy, basal metabolism tests, intravenous injections and solutions, administration of blood and blood plasma but excluding the cost of blood and plasma.

PRESCRIBED MEDICINES - Reimbursement of charges for medicines that are dispensed by a Physician, a Registered Pharmacist or a Hospital and which have been prescribed by a Physician or Specialist in respect of treatment for a covered Disability during in-patient stay and following hospitalization.

AMBULANCE FEES - Reimbursement for necessary domestic ambulance services (inclusive of attendant) to and/or from the Hospital of confinement.

ANNUAL OUT-PATIENT KIDNEY DIALYSIS TREATMENT - Reimbursement of the charges incurred for out-patient kidney dialysis treatment which performed in a Hospital or registered dialysis treatment centre for end stage chronic kidney failure. Benefit will not be payable for any Insured Person who has developed chronic renal diseases and/or is receiving dialysis treatment prior to the effective date of Insurance.

ANNUAL OUT-PATIENT CANCER TREATMENT - Reimbursement of the charges incurred for out-patient cancer treatment in a hospital or registered cancer treatment centre.

EMERGENCY ACCIDENTAL & DENTAL OUT-PATIENT TREATMENT - Reimbursement of expenses incurred as a result of a bodily injury/to sound natural teeth arising from an ACCIDENT for treatment as an out-patient at any registered clinic or hospital within 24 hours.

OUT-PATIENT PHYSIOTHERAPY TREATMENT - Reimbursement of the expenses for out-patient physiotherapy treatment which is recommended in writing by attending physician or surgeon.

ORGAN TRANSPLANT - Reimbursement of charges incurred on transplantation surgery for the Insured Person being the recipient of the transplant of a kidney, heart, lung, liver or bone marrow. Payment for this benefit is applicable only once per lifetime. The costs of acquisition of the organs and all costs incurred by the donors are not covered.

DAILY-CASH ALLOWANCE AT GOVERNMENT HOSPITAL - Pays a daily allowance for each complete day of confinement for a covered Disability in a Malaysian Government Hospital provided confinement in a Room and Board rate that does not exceed the plan chosen.

MEDICAL REPORT - Reimbursement of expenses for pursuing the medical report.

SECOND SURGICAL OPINIONS - Reimbursement of the consultation fees with a second Specialist to determine necessity of a surgical operation.

GOVERNMENT SERVICE TAX - Reimbursement of the charges imposed by the Malaysian government for service tax levied on Hospital Room & Board charges.

ACQUIRED IMMUNE DEFICIENCY SYNDROME (AIDS) - Upon diagnosis of AIDS, this benefit shall be paid in full sum and only once during the Insured Person lifetime.

HOME NURSING - Reimbursement of charges for home nursing care plan established and periodically reviewed by a registered medical practitioner and is only payable after a minimum of 3 days hospitalization beginning within 7 days of hospital discharge.

FEMALE CANCER - A lump sum payment as stated in the Schedule of Benefit shall be payable once during the Insured Person lifetime upon diagnosis of a Female Cancer.

ACCIDENTAL FACIAL / DENTAL COSMETIC - Reimbursement for a necessary treatment or reconstructive surgery of facial and neck disfigurement or damage to sound natural teeth following injuries sustained as a result of accident. This benefit shall be paid in full sum and only once during the Insured Person lifetime.

PREGNANCY COMPLICATIONS - Reimbursement of expenses incurred for treatment arising from the following pregnancy complications: disseminated intravascular coagulation, ectopic pregnancy, still birth and hydatidiform mole (molar pregnancy). In the event of maternal mortality (death) following Pregnancy Complications, aggregate sum payable for pregnancy complications and maternal mortality shall not exceed the Maternity Death benefit.

MATERNITY DEATH - A lump sum payment upon death directly caused by a pregnancy disorder or complications arising within 30 days from childbirth or miscarriage. In the event of maternal mortality (death) following pregnancy complications, the sum payable shall be balance after deducting the accelerated amount reimbursed for Pregnancy Complications.

DOUBLE OVERALL ANNUAL LIMIT FOR ACCIDENTAL INJURY WHILST TRAVELING OVERSEAS - Overall Annual Limit is doubled in the event of Accidental Injury while traveling outside of Malaysia, subject only to the Lifetime Limit whichever is lower.

MAJOR MEDICAL - Increase of annual benefit limits on top of the Overall Annual Limit if the Insured Person suffers from one of the Major Disability (Stroke or Cerebrovascular Accident, Heart Attack, Kidney Failure, Cancer, Coronary Artery Disease Requiring By-Pass, Chronic Liver Disease, Fulminant Viral Hepatitis, Coma, Paralysis/Paraplegia, Major Burns, Chronic Lung Disease, Encephalitis, Major Organ Transplant, Brain Surgery, Heart Valve Replacement, Multiple Sclerosis, Open Heart Surgery, Total Blindness, Total Loss of Hearing/Deafness, Bacterial Meningitis). Major Medical is subject to the Lifetime Limit.

ACCIDENTAL DEATH / BEREAVEMENT BENEFIT ON ACCIDENTAL DEATH ONLY - A lump sum payment shall be payable to legal representative or next of kin, when injury results in loss of life of the Insured Person, provided death occurring within twelve (12) months from the date of accident.

PERMANENT TOTAL DISABLEMENT DUE TO ACCIDENTAL INJURY - A lump sum payment shall be payable, when Accidental Injury is sustained by an Insured Person resulting in permanent total disablement, total paralysis or permanently bedridden.

OUT-PATIENT GP CARE - Reimbursement of charges for general practitioner (GP) consultation during normal clinical hours including basic medications and treatment for an illness or injury as an out-patient.

OUT-PATIENT SPECIALIST CARE - Reimbursement of charges for specialist consultation (SP) during normal clinical hours including basic medications and treatment for an illness or injury as an out-patient with a Panel Doctor's referral.

PREVENTIVE SCREENING (PAP SMEAR / PROSTATE SPECIFIC ANTIGEN) - Reimbursement of fees charged for an annual pap smear examination or prostate specific antigen (PSA) test performed by a Panel Doctor.