| INTRODUCTION |
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Looking for a medical insurance that offers
more than the basic hospitalization coverage? mediGUARD
Premier is THE PLAN! Besides basic hospitalization coverage,
it has various extended benefits, which provide you with
adequate protection at an affordable price. With mediGUARD
Premier, 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 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 for claims reimbursement for a covered condition.
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| You can enjoy generous additional benefits: |
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Out-Patient Kidney Dialysis / Cancer
Treatment
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Emergency Accidental & Dental
Out-Patient Treatment
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Out-Patient Physiotherapy Treatment
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Organ Transplant
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Second Surgical Opinions
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AIDS
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Home Nursing |
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Double Overall Annual Limit For Accident Occurs Overseas |
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Major Medical |
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Accidental Death |
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Permanent Total Disablement Due To Accidental Injury |
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Bereavement Benefit On Accidental Death |
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Out-Patient Clinical Benefit (Optional). Click
here to search for a panel clinic. |
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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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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 |
| 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 |
20,000 |
25,000 |
30,000 |
35,000 |
40,000 |
50,000 |
| Permanent Total Disablement Due
To Accidental Injury |
20,000 |
25,000 |
30,000 |
35,000 |
40,000 |
50,000 |
| 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 |
424 |
484 |
549 |
670 |
834 |
971 |
| 26-35 |
433 |
493 |
559 |
682 |
848 |
989 |
| 36-45 |
550 |
629 |
723 |
886 |
1,109 |
1,301 |
| 46-55 |
833 |
970 |
1,133 |
1,400 |
1,772 |
2,094 |
| 56-60 |
1,123 |
1,328 |
1,561 |
1,937 |
2,473 |
2,932 |
| 61-65 |
1,452 |
1,738 |
2,050 |
2,545 |
3,268 |
3,889 |
| 66-70 (Renewal only) |
1,962 |
2,389 |
2,830 |
3,501 |
4,539 |
5,446 |
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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 |
382 |
436 |
494 |
603 |
751 |
874 |
| 26-35 |
390 |
443 |
503 |
614 |
763 |
890 |
| 36-45 |
495 |
566 |
651 |
798 |
998 |
1,171 |
| 46-55 |
749 |
873 |
1,020 |
1,260 |
1,595 |
1,885 |
| 56-60 |
1,010 |
1,195 |
1,405 |
1,744 |
2,226 |
2,639 |
| 61-65 |
1,307 |
1,564 |
1,845 |
2,291 |
2,942 |
3,500 |
| 66-70 (Renewal only) |
1,765 |
2,150 |
2,547 |
3,151 |
4,085 |
4,902 |
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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 |
722 |
782 |
847 |
968 |
1,132 |
1,269 |
| 26-35 |
731 |
791 |
857 |
980 |
1,146 |
1,287 |
| 36-45 |
848 |
927 |
1,021 |
1,184 |
1,407 |
1,599 |
| 46-55 |
1,131 |
1,268 |
1,431 |
1,698 |
2,070 |
2,392 |
| 56-60 |
1,421 |
1,626 |
1,859 |
2,235 |
2,771 |
3,230 |
| 61-65 |
1,750 |
2,036 |
2,348 |
2,843 |
3,566 |
4,187 |
| 66-70 (Renewal only) |
2,260 |
2,687 |
3,128 |
3,799 |
4,837 |
5,744 |
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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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