Do I need to undergo medical check up prior to application?

No.

The cover shall be effective from the day the proposal form is approved by Kurnia Insurans (Malaysia) Berhad (KIMB) and with premium paid.

We may change the premiums in the future, as the premium rates are not guaranteed. The change of premium will be based on KIMB overall experience in underwriting this class of insurance.

The policy will not be effective or not renewed.

You will be subjected to the usual exclusions on Pre-existing Illness, Specified Illnesses and Waiting Period of 30 days all over again. Hence we encourage you not to lapse your medical insurance policy.

Yes, you can. You will have to complete a new proposal form to declare on the new member health and other information for KIMB assessment.

Yes they can, provided policyholder is either the father / mother and minor is the insured.

Yes, this policy is applicable worldwide for twenty-four (24) hours a day and you are covered up to 90 days from the day you leave Malaysia. The benefits payable will be subjected to the reasonable and customary charges on the basis that the costs for the said treatment would be reasonably charged by a Hospital/ Physician in Malaysia.

The Oversea Treatment clause and Residence Overseas clause will apply in this case.

You are entitled to make a claim if the nature of treatment is not available in Malaysia and the treatment is upon recommendation of a Physician. The claim will be subjected to reasonable and customary charges.

No, the benefit schedule of the Individuals plan is standard and as such cannot be tailor-made.

No, as long as the claim is still within the Overall Annual Limit.

Lifetime limit is the maximum amount of claim that you can claim for the lifetime. The maximum Lifetime Limit is double of the Overall Annual Limit for MediGuard Value. For MediGuard Premier, MediGuard Junior, MediGuard Grads, MediGuard Biz, MediGuard Family, MediGuard Lady and MediGuard Senior, the maximum Lifetime Limit is three times of the Overall Annual Limit.

Yes, it is full reimbursement up to the overall annual limit.

Yes, under the policy you will need to notify KIMB on any material change in your occupation or business under the 'Change In Risk' clause.

In order to renew the policy, you will need to notify the company and make payment of the premium within 14 days from the date of expiry.

Policy may be cancelled by the policyholder at any time by giving a written notice to the company; and provided that no claims have been made during the current policy year. The policyholder shall be entitled to a refund of the premium as follows:

"Waiting Period" means any claim falls within the 30 days from the effective date of the policy will not be covered unless it is due to an accident. However, this waiting period is not applicable to renewal policy.

"Cooling-Off Period" means if policy has been issued and you decide not to take up the policy, you may return the policy to the company for cancellation within fifteen (15) days from the date of delivery of the policy. You are entitled to the return of the full premium paid less deduction of medical expenses incurred by KIMB in the issue of the policy.

Yes, variation of plans in a policy is allowed as long as all plans are under the same product.

No. If one of the family members wants to take up medical card option, then all members must also be covered under medical card option.

No, Insured cannot take up Out-Patient Clinical Benefit only. It is compulsory to enroll in In-Patient Hospitalization & Surgical insurance if they want to have Out-Patient Clinical coverage.