Notice : We have stop transacting Allianz General Insurance Co (M) Berhad insurance business effective 2012.
Your Employees Health Care
Your employees are the main asset of your company. It is therefore very important that their welfare is well
taken care of.
All____ Care - SMI is designed to administer Employee Benefit plans for Small and Medium
Sized Industries of mainly 5 to 100 employees. As a provider of Medical Insurance, our utmost concern is to
protect and take care of your most valuable asset.
Benefits
Admission Assistance to Care Covered services are provided on a 24 Hours Admission Assistance basis
to the Insured Person.
Flexibility of Plan
Just select from the variety of plans available according to your needs. 24 Hours Toll Free Assistance. Just
call toll free No. 1-800-88-1138 if you have any enquires regarding the coverage purchased and for admission assistance.
Easy Administration
Leave the administration of your employee benefit to us and focus on your core business.
Plan Features
The All____ Care - SMI provides medical coverage together with health screening in a single comprehensive plan. It is
designed in this manner to suit you and your employee needs.
Medical Coverage
The plan provides comprehensive coverage for medical expenses incurred due to hospitalization.
You and your employees can be assured of quality care when it matters most.
Optional
Mediclinic Outpatient /Clinical Visitation Management Services Facilitates visitation to a wide spread of panel
clinics nationwide.
Comprehensive Health Screening
Subsidized Health Screening that helps in early detection rather than treating the disease itself.
Prevention is better than cure.
Leave the administration of your employee benefit to us and focus on your core business.
Plan Features
The All____ Care - SMI provides medical coverage together with health screening in a single comprehensive plan. It is
designed in this manner to suit you and your employee needs.
Medical Coverage
The plan provides comprehensive coverage for medical expenses incurred due to hospitalization.
You and your employees can be assured of quality care when it matters most.
Optional
Mediclinic Outpatient /Clinical Visitation Management Services Facilitates visitation to a wide spread of panel
clinics nationwide.
Comprehensive Health Screening
Subsidized Health Screening that helps in early detection rather than treating the disease itself.
Prevention is better than cure.
Medical Benefits TABLE
All Care - SMI Medical Benefits TABLE |
Plan 1 (RM) |
Plan 2 (RM) |
Plan 3 (RM) |
Plan 4 (RM) |
Hospital Room & Board (max daily benefit) | ||||
(a) Ordinary Room (up to 120 days max per disability) | 350 | 200 |
150 |
80 |
(b) Intensive Care Unit (up to 20 days max per disability) |
350 |
350 | 350 |
350 |
Hospital Supplies & Services | As Charged |
Surgical Fees | As Charged |
Operating Theater | As Charged |
In-Hospital Physician's Visit (up to 120 days max per disability) | As Charged |
Hospital Service Tax (on eligible Room & Board charges paid) | 5% |
5% | 5% |
5% |
Pre-Hospital Diagnostic Tests (within 60 days) | As Charged |
Pre-Hospital Specialist Consultation (within 60 days) | As Charged |
Second Surgical Opinion (60 days) | As Charged |
Post-Hospitalization Treatment (up to 60 days) | As Charged |
Emergency Accidental Outpatient Treatment (within 24 hours up to 60 days) |
As Charged |
Day-Care Procedure |
As Charged |
Ambulance Fees |
As Charged |
Daily-Cash Allowance at Government Hospital | 200 | 150 |
100 |
80 |
Medical Report Fee Reimbursement (max per disability) | 50 | 50 |
50 |
50 |
Overall Annual Limit |
70000 | 50000 | 30000 | 10000 |
Optional | |
Mediclinic Outpatient /Clinical Visitation Management Services |
As per Company's Instructions |
Comprehensive Health Screening Comprise of 44 Tests |
Cashless |
Annual Premium Schedule | Plan 1 (RM) |
Plan 2 (RM) |
Plan 3 (RM) |
Plan 4 (RM) |
Employee only |
580 |
456 |
342 | 247 |
Employee & Spouse | 1,449 | 1,140 |
856 |
618 |
Employee & Children |
1449 | 1,140 |
856 |
618 |
Employee & Family | 2,318 | 1,825 |
1,369 |
988 |
Annual MCO Fees Schedule
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![]() ![]() Exclusions - Hospitalisation |
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This contract does not cover any hospitalization, surgery or charges caused directly or indirectly, wholly or partly, by any one of the following occurrences: |
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![]() ![]() reinstatement whichever is latest except for Accidental Injuries ![]() or surgical correction of nearsightedness (Radial Keratotomy or Lasik) and the use or acquisition of external prosthetic appliances or devices such as artificial limbs, hearing aids, implanted pacemakers and prescriptions thereof. |

sound natural teeth occurring wholly during the Period of Insurance.

sequelae, AIDS (Acquired Immune Deficiency Syndrome) or ARC (AIDS Related Complex) and HIV related
diseases, and any communinicable diseases required quarantine by law.


surgical, mechanical or chemical contraceptive methods of birth control or treatment pertaining to infertility.
Erectile dysfunction and tests or treatment related to impotence or sterilization.

examinations, not incidental to treatment or diagnosis of a covered Disability or any treatment which is not
Medically Necessary and any preventive treatments, preventive medicines or examinations carried out by a
Physician, and treatments specifically for weight reduction or gain.


direct participation in strikes, riots and civil commotion or insurrection.

nuclear fission or from any nuclear weapons material.

including all costs incurred by the donor during organ transplant and its complication.

such as treatment, medical service or supplies, including but not limited to chiropractic services, acupuncture,
acupressure, reflexology, bone setting, herbalist treatment, massage or aroma therapy or other alternative
treatment,

indemnity covering the Insured and Disabilities arising out of duties of employment or profession that is covered
under a Workman’s Compensation Insurance Contract.

manifestations).

similar facilities, admission kit/pack and other ineligible non-medical items.

skydiving, water skiing, underwater activities requiring breathing apparatus, winter sports, professional sports and
illegal activities.

passengers over established routes.


Special Condition - Medical |
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In the event of any inconsistency in this brochure, the English version of
this brochure shall prevail over all
other versions. | |
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It may not be advantageous to switch from one health Policy to another, as you may be subjected to new underwriting requirements for waiting period/ exclusion of specified illness/pre-existing conditions of the new Policy. | |
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Please note that for any disability arising out of injury during employment, whereby the Insured has received benefits under Workmen’s Compensation Ordinance, SOCSO or similar legislation, the Insurer shall bear no charges unless benefits received do not fully cover incurred charges, which are covered under the Policy. | |
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Please note that if an Insured has received other medical insurance or government plans, the Insurer shall bear no charges unless benefits received do not fully cover incurred charges, which are covered under the Policy. | |
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Please note that the exclusions, limitations, terms and conditions as stated in this proposal are not exhaustive. Please refer to the actual Policy Contract for detailed benefits, exclusions, limitations, terms and conditions. | |
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The information enclosed is accurate as at the date of print. | |
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You are to ascertain that this product will best serve the needs of your company’s employees and that you are agreeable to the premium payable under the Policy. | |
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You should ensure that important information regarding the Policy is disclosed to you and that you understand the information disclosed. Where there is ambiguity, you should seek clarification from the Insurer. |
Exclusions – Outpatient GP and Outpatient Specialist Care
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Members cannot purchase or acquire all types of external and internal appliances or devices (i.e. wheelchairs, implants, hearing aids, walking aids and etc. | |
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Dental conditions including dental treatment or surgery except as a result of an accident. | |
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Plastic/cosmetic consultation and surgery including eye examination, glasses, refractive errors of the eyes and its correction. | |
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Hormone replacement therapy(s) which is not medically necessary. | |
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Alternative therapies (i.e. acupuncture chiropractic, reflexology and etc). | |
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Surgical, mechanical or chemical contraceptive methods. |
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Sexual dysfunction, sex transformation whether by surgical or chemical. | |
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Sexually transmitted diseases and its sequelae, AIDS or HIV and its related complications. | |
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Pregnancy, childbirth (including delivery), pre-natal, post-natal care, abortion, infertility and miscarriage. | |
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Suicide, attempted suicide, self inflicted injury or overdose of any kind intentional or otherwise while sane or insane. | |
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Routine or health check-ups including gynaecology check-ups. | |
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Outpatient physical or physiotherapy. |
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Speech and occupational therapy. | |
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Treatment for congenital abnormalities, deformities and disabilities. | |
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Vitamins, food supplements, preventive medicine which is not Medically Necessary, herbal cures, weight deduction or induction agents. | |
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Soaps, shampoos or any toiletries items. | |
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Treatment injuries sustained while under the influence of alcohol or narcotics or whilst in participation in any illegal or dangerous activities. | |
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Allergy testing. |
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Psychotic, mental or nervous disorders, (including any neuroses and their physiological or psychosomatic manifestations). | |
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House calls by doctors for any reason. | |
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Purchase of treatment by rehabilitation drugs (i.e. smoking patches and etc). | |
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Facial or treatment for Acne. | |
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Dispense of member’s current medication for a period of more than two (2) weeks except for member with chronic conditions e.g. diabetes, hypertension, etc where one (1) month supply is allowed. | |
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Treatment/dispense of medication which are not consistent with diagnosis. |
Exclusions – Group SMI All____ Care
War, invasion, act of foreign enemy, hostilities (whether declared or not), civil war, rebellion, revolution, insurrection, mutiny or usurped power, military or popular uprising. | ||
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Insanity, suicide (whether sane or insane), intentional self-inflicted injuries or any attempt thereat. | |
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Any form of disease, infection or parasites and AIDS or AIDS Related Complex (ARC) or HIV. | |
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Childbirth, miscarriage, pregnancy or any complications thereof. | |
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Provoked murder or assault. | |
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Intoxication by alcohol or drugs. |
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While travelling in an aircraft as a member of the crew, except only as a fare-paying passenger in an aircraft licensed for passenger service. | |
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While committing or attempting to commit any unlawful act. | |
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While participating in any professional sports. | |
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Martial arts or boxing, aerial activities including parachuting and hang-gliding, underwater activities exceeding fifty (50) metres in depth, mountaineering involving the use of ropes or mechanical guides. | |
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Racing (other than on foot), pace-making, speed or reliability trials. | |
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Riding/driving without a valid driving licence. |
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Death or disablement or any other loss consequent upon the Insured Person involved in any of the occupations mentioned under Excluded occupations.occupations mentioned under Excluded occupations. | |
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Terrorism. |
Cooling-Off Period
If this Policy shall have been issued and for any reason whatsoever the Insured Person shall decide not to take up the
Policy, the Insured Person may return the Policy to the Company for cancellation provided such request for cancellation is delivered by the Insured Person to the Company within fifteen (15) days from the date of delivery of the Policy. The Insured Person is entitled to the return of the full premium paid less deduction of medical expenses incurred by the Company in the issue of the Policy.
CLAIMS: HOSPITAL AND SURGICAL INSURANCE (exclude Europe Assist cases)
1. Original medical bills / Official receipt
2. Completed claim form
1. Original medical bills / Official receipt
2. Completed claim form