| INTRODUCTION |
 |
|
| |
MediGuard Supreme is a comprehensive Medical Insurance
protection till age 85 years.
Medical Insurance is important these days due to the rising
healthcare costs, it is expensive, stressful and worrisome
when the UNEXPECTED, Hospitalization strikes. MediGuard
Supreme, our ENHANCED and comprehensive Medical Insurance
will help to relief your worries when your loved ones are
hospitalized due to accident or illness.
|
| |
| You can enjoy Enhanced Extended Benefits Features
such as: |
| - |
Double Overall Annual Limit Upon
Diagnosis Of Critical Illnesses
|
| |
Don’t worry about the high medical costs in the
event of diagnosis of Critical Illnesses, MediGuard Supreme
will double Overall Annual Limit and take care of your
hefty costs of treatments. |
| |
|
| - |
No-Claim Bonus |
| |
You will be rewarded a yearly 5% adjustment of your
Overall Annual Limit when no claim is made during the
previous policy year, increasing up to maximum 50% of
original Overall Annual Limit. |
| |
|
| - |
Medical Second Opinion |
| |
In the event of diagnosis of Critical Illnesses, you
could seek second medical opinion from selected leading
hospitals from abroad, without paying excessive costs
for gaining these valuable expert opinions. |
| |
|
| - |
Family Discount |
| |
Should two or more family members (inclusive yourself)
buy MediGuard Supreme simultaneously, you will enjoy
up to 10% discount off your total annual premium. |
| |
|
| - |
Eligibility |
| |
Enrolment age is from 30 days up to 60 years old. Renewal
is up to age 85 at the option of the Policyholder, provided
that you are enrolled before 61 years old. Age is defined
as age next birthday. |
| |
|
| - |
High Annual Limits For Both Outpatient Kidney Dialysis
/ Cancer Treatment |
| |
Most of the medical insurance plans selling in the
market are capping these benefits within lower sub-limits,
relative to Overall Annual Limits. To enhance the values
of your coverage, MediGuard Supreme removes these sub-limits
and sets them on par with Overall Annual Limits. |
| |
|
| - |
In-Hospital Physician Visit |
| |
This new plan has increased the daily limit from 1
to 2 visits per day. |
| |
|
| - |
Deductible |
| |
Depending on your preferred level of deductible, MediGuard
Supreme could offer up to 40% discount off your annual
premium, while giving you the flexibility for suiting
your budget, besides catering for your personal risk
appetite. |
|
| |
| Product Class |
| This is a Yearly Renewable Hospital and Surgical
(H&S) policy, subject to the exhaustion of lifetime limit. |
| |
| Benefits |
| The coverage shall commence as of the date stated
in the Policy Schedule, of which the Policy Anniversary shall
be due on a year after the Policy Effective Date and annually
thereafter. On every Policy Anniversary, this policy is renewable
based on the premium rates in effect as notified by the Company. |
|
| ELIGIBILITY |
|
|
| |
Insured Person
Minimum Entry Age – 30 days
Maximum Entry Age – 60 years (age next birthday)
Maximum Expiry Age – 85 years (age next birthday)
|
|
| SCHEDULE
OF BENEFIT |
|
|
| |
|
|
Plan 1
(RM) |
Plan 2
(RM) |
Plan 3
(RM) |
Plan 4
(RM) |
Plan 5
(RM) |
Plan 6
(RM) |
| IN-HOSPITAL BENEFIT |
|
| Accommodation |
| Hospital Room & Board (daily max
up to 180 days) |
150 |
200 |
250 |
350 |
500 |
1,000 |
| ICU (daily max up to 120 days) |
Full Reimbursement |
| Medical
Surgical Procedures |
| Surgical Fees (including post-surgery
care up to 90 days from date of discharge) |
Full Reimbursement |
| Operating Theatre |
| Anaesthetist Fee |
| Pre-Hospital Diagnostic Tests & Specialist
Consultation (90 days prior to admission) |
| In-Hospital Physician Visit (daily
max up to 180 days subject to 2 visits per day) |
| Post-Hospitalization Treatment (within
90 days from date of discharge) |
| Hospital Supplies & Services |
| Prescribed Medicines (within 180
days during hospitalization and 60 days after discharge) |
| Ambulance Fees |
| Daily-Cash Allowance At Government
Hospital (up to 180 days) |
80 |
90 |
100 |
110 |
120 |
150 |
| Medical Report |
50 |
50 |
50 |
50 |
50 |
50 |
| Government Service Tax |
6% of hospital room & board eligible
expenses reimbursable |
| Additional
Benefits |
| Insured Child's Daily Guardian Benefit
(age below 15 years, up to 180 days) |
50 |
60 |
70 |
80 |
90 |
100 |
| Annual Out-patient Kidney Dialysis
Treatment |
Full reimbursement up
to Overall Annual Limit |
| Annual Out-patient Cancer Treatment |
| Organ Transplant (per lifetime limit) |
| Home Nursing |
5,000 |
6,000 |
7,000 |
8,000 |
9,000 |
10,000 |
| Out-patient Physiotherapy Treatment
(within 90 days from discharge) |
Full reimbursement |
| Emergency Accident and Dental Out-Patient
Treatment (seek treatment within 24 hours and follow
up within 60 days) |
| Double annual limit upon diagnosis
of critical illnesses : according to the standard
definition of critical illnesses applied in Malaysia |
Double Overall Annual Limit |
| AIDS (upon diagnosis with one lifetime
payment) |
5,000 |
6,000 |
7,000 |
8,000 |
9,000 |
10,000 |
| Health Screening |
Included |
| Medical Second Opinion |
According to benefit provisions |
| OVERALL ANNUAL LIMIT |
100,000 |
150,000 |
180,000 |
200,000 |
250,000 |
300,000 |
| LIFETIME LIMIT |
300,000 |
450,000 |
540,000 |
600,000 |
750,000 |
900,000 |
|
|
| |
Special Notes:
20% co-payment if upgrade room & board
No claim bonus – increase Overall Annual Limit by 5%
up to maximum 50% of first policy year’s Overall Annual
Limit. |
| |
| Deductible option
with lower premium |
Premium Discount |
| RM2,500 |
10% |
| RM5,000 |
20% |
| RM10,000 |
30% |
| RM15,000 |
40% |
|
|
| PREMIUM |
|
|
| |
|
Premium is calculated based on age next
birthday and type of plan.
|
| |
| Annual Premium Table On
Age Next Birthday (RM) |
| |
| Age / Plan |
Plan 1 |
Plan 2 |
Plan 3 |
Plan 4 |
Plan 5 |
Plan 6 |
| 30 Days - 18 |
681 |
858 |
1,054 |
1,221 |
1,798 |
3,056 |
| 19 - 25 |
772 |
975 |
1,199 |
1,390 |
2,049 |
3,487 |
| 26 - 35 |
818 |
1,034 |
1,272 |
1,475 |
2,175 |
3,702 |
| 36 - 45 |
956 |
1,210 |
1,490 |
1,728 |
2,552 |
4,349 |
| 46 - 55 |
1,415 |
1,796 |
2,216 |
2,573 |
3,810 |
6,505 |
| 56 - 60 |
2,058 |
2,616 |
3,232 |
3,757 |
5,570 |
9,523 |
| 61 - 65 (Renewal only) |
2,793 |
3,554 |
4,394 |
5,109 |
7,582 |
12,972 |
| 66 - 70 (Renewal only) |
3,712 |
4,726 |
5,846 |
6,800 |
10,097 |
17,284 |
| 71 – 75 (Renewal Only) |
4,630 |
5,898 |
7,298 |
8,490 |
12,611 |
21,595 |
| 76 – 80 (Renewal Only) |
5,549 |
7,070 |
8,750 |
10,181 |
15,126 |
25,907 |
| 81 – 85 (Renewal Only) |
6,889 |
8,790 |
10,890 |
12,679 |
18,860 |
32,337 |
|
|
| |
| Your premium will be adjusted according to your attained
age. The renewal premium is not guaranteed. You should satisfy
yourself that this policy will best serve your needs and the
premium payable is an amount you can afford. |
| |
|
|
|
| HOW TO BUY |
|
|
|
|
|