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.