Medic Plus
Tokio Marine's  is here to take away your fear of insufficient medical coverage.
HIGHLIGHTS
1. All eligible expenses shall be reimbursed up to the Limits of Policy.
2. Renewal guaranteed after 12 months of 'claims-free' period.
3. No requirement of re-declaration of health status at renewal.
4. 'Hassle Free' facility for admission & discharge from hospitals for disabilities and illnesses covered.
5. Medical costs for organ transplants fully reimbursable up to the Limits of Policy.
6. Covered:
- Out-patient treatments for Cancer & Kidney failure.
- Out-patient Physiotherapy Treatments & Home Nursing Care after hospitalization.
7. Max Lifetime Limit : RM750,000.
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Features
1. Medic Plus is designed to complement and provide protection as a secondary level of cover to the Hospitalization & Surgical Insurance that you may have purchased or where you are covered by a policy arranged by your employer.
2. The benefits of a basic/standard cover are unlikely to be adequate to meet the ever-increasing cost of medical expenses and health care for complicated, serious or complex surgeries.
3. Medic Plus helps to bridge the gap with its limits intentionally set at a high level and it operates when the benefits/limits of your existing insurance cover have become exhausted.
4. Accidental Death benefits payable.
5. High limits of cover at low and affordable premium.
6. One common level of premium regardless of gender and classes of occupations.
7. 30% automatic increase of Overall Annual Limit when you hold a Medic Partner Policy with us for not less than 2 consecutive years.
8. High maximum entry age: 65 years and renewable up to 70 years.
9. Deductible per Disability:
- RM10,000
- RM5,000 (if confined to Malaysian Government Hospital)
10. Only one Deductible shall apply if family members are injured in the same accident.
Schedule of Benefits with Premium Table
Schedule of Benefits with Premium Table |
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BENEFIT PLAN |
Schedule of Benefits (in RM)
|
MPA |
MPB |
MPC |
MPD |
| Hospital Room & Board, daily maximum |
500 |
300 |
200 |
150 |
| Intensive Care Unit |
AS CHARGED
Subject to the respective Annual / Lifetime Limits stated below |
| Surgeon Fees |
| Anesthetist Fees |
Operating Theatre |
| In-Hospital Physician Visits |
| Hospital Services & Supplies |
| Organ Transplant (limited to Kidney, Heart, Lung, Liver or Bone Marrow only) |
Pre-Hospital Diagnosis Tests |
| Pre-Hospital Specialist Consultation |
| Home Nursing Care |
| Post Hospitalization Treatment |
| Outpatient Physiotherapy Treatment |
| Outpatient Cancer Treatment |
| Outpatient Kidney Dialysis Treatment, per year |
50,000 |
40,000 |
30,000 |
20,000 |
| Accidental Death Benefits |
10,000 |
7,500 |
5,000 |
5,000 |
| Deductible per Disability |
10,000 |
10,000 |
10,000 |
10,000 |
| Overall Annual Limit |
150,000 |
100,000 |
75,000 |
50,000 |
| Overall Annual Limit (applicable only under Policy Condition No.10) |
195,000 |
130,000 |
97,500 |
65,000 |
| Lifetime Limit |
750,000 |
500,000 |
375,000 |
250,000 |
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| Age at next birthday (years) |
Annual Premium |
| 1 - 18 |
178 |
153 |
135 |
118 |
| 19 - 35 |
245 |
210 |
185 |
160 |
| 36 - 40 |
284 |
243 |
214 |
184 |
| 41 - 45 |
323 |
276 |
242 |
209 |
| 46 - 50 |
389 |
332 |
292 |
251 |
| 51 - 55 |
467 |
398 |
349 |
300 |
| 56 - 60 |
556 |
474 |
415 |
356 |
| 61 - 65 |
712 |
606 |
531 |
453 |
| 66 - 70 (renewal only) |
956 |
813 |
712 |
607 |
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Note:
1. An unmarried child can only be insured along at least one Parent.
2. Premium charged is based on age at next birthday and it will be increase with age upon renewal.
For more information about our Medic Plus product, click here:
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