Malaysians Protecting Malaysians
A Managed Health plan designed to cover a comprehensive range of
medical, surgical and hospitalization costs, ambulance fees and other
medical related charges.
Product Coverage
Age Limit - The plans shall cover eligible persons between the ages of 15 days to 59 years, renewable up to 69 years
Conditions - *Premiums payable will increase with age, as indicated by
the relevant Age Band for the SIHAT MALAYSIA Plans purchased.
Hospital
- Daily Room & Board
(Max. 150 days)
- Intensive Care Unit
(Max. 75 days)
- Hospital Supplies & Services
- Operating Theatre
Surgical
- Surgical expenses comprising the following, but excluding organ
transplantation
- Pre-Surgical Diagnostic Services
- Pre-Surgical Specialist Consultation
- Surgical Fees
- Anaesthetist's Fees
Medical
- Medical Expenses for non-surgical treatment comprising
- Pre-Hospital Diagnostic Services
- Pre-Hospitalisation Specialist Consultation
- Daily In-Hospital
Physician's Visit (Max. 60 days)
- Post Hospitalisation
Treatment (within 31 days from discharge)
Out-patient
- Emergency Out-Patient
Treatment for Accident Only (within 24 hours)
- Out-Patient Physiotherapy Treatment
- Ambulance Fees
- Monthly Out-Patient Kidney Dialysis & Cancer Treatment
Organ Transplantation
- Heart, Kidney, Lung, Liver or Bone Marrow
Others
- Daily Government
Hospital Cash Allowance (Max. 150 days)
- Insured Child's Daily
Guardian Benefit (Max. 60 days)
Family may be Insured
- Your policy may cover spouse and dependent children subject to
the following:
- a spouse who is below
the age of fifty-nice (59) at the time of first inclusion. Once
included, the spouse may continue to be included up to age sixty-nice (69).
- unmarried children
between the age of fifteen (15) days and nineteen (19) years. For dependent children who are
fulltime students of insitution of higher education, the age limit is
twenty-three (23) years.
- Each family member is entitled to the full benefits up to
separate overall annual limits.
- Premium will be charged separately for each member according
to the plan and age.
Family Discount
- A family discount of 12% is allowed on the total premium for
family with three (3) members or more.
Renewal Discount
- If your policy is
accepted for renewal by your insurer, you will enjoy 10% renewal discount on your renewed
policy.
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