MEDIGUARD JUNIOR

Just because you eat veggies and hit the gym regularly doesn't mean you are immune to an illness, or an accident won't happen to you.

There was an incident way back many years ago published by The Star that a little boy need RM150,000 for a special treatment suit to wear on for one year or more for recuperation and rejuvenate his scalded wounds which was 80% due to fire and fortunately he had a sponsor for his medical bill from a rich Arab Emir. Not so lucky for a quite similar situation as my ex-colleague.

I use to know this young colleague from insurance company telemarketing division, which has experience burn from very hot boiling water from neck downward and shoulder during his childhood. He was trying to reach for food or something in the kitchen, grab the boiling pot that bathed him all over and badly scalded his shoulder and neck. His plight was lifetime as the skin behind his neck and shoulder cannot growth normally and lose the elasticity of a normal skin. The skin growth on his neck and shoulder is so abnormal as it affect his physical growth and height.

Everyone requires medical help at some point and if you don't have insurance, the resulting bill is going to be painful. Deliver a baby -- without complications --and expect to fork over an average of RM10,000 according to one doctor, use to be my wife gynecologist of the Subang Jaya Medical Centre. Get diagnosed with cancer and the expenses can  go into the hundreds / thousand-ringgit.

If your employer doesn't offer coverage in a group plan, look into an individual policy. Just be aware that private health insurance typically requires policyholders to pay higher premiums than they would with a group plan. And coverage may be more limited. To find the right individual plan, continue to read this web site, which often lists area insurance providers, and web sites like e Health Insurance.com and My Insurance Expert.com for free information.

Visit our pages for more on choosing and getting the best health plan.
POLICY DETAILS
Product Details
Description of Benefits
Exclusions
Special Provision & Conditions
mediGUARD Junior
INTRODUCTION
 
You can count on us to lead your child a life with our new and affordable mediGUARD Junior. You are offered choice of plans with or without a medical card.
 
With A Medical Card - Hospital Admission And Discharge Will Be Hassle Free
 
You will be given a Kurnia Insurans (Malaysia) Berhad medical card. Just present your card at any of our panel hospitals to get admitted, no deposit required. Click here to search for a panel hospital. This card guarantees hassle free admission and discharge for a covered condition. You may only need to settle non-payable charges, if any.
   
Without A Medical Card - You Have Free Choice Of Hospital
 
Just settle your full bill upon discharge and submit to Kurnia Insurans (Malaysia) Berhad for claims reimbursement for a covered condition.
 
You can enjoy generous additional benefits:
-
Emergency Accidental & Dental Out-Patient Treatment
-
Daily-Cash Allowance at Government Hospital
-
Insured Daily Guardian Benefit
-
Full Reimbursement for Government Hospital (up to overall annual limit)




SCHEDULE OF BENEFIT
 
BENEFIT / PLAN
Plan 1
(RM)		Plan 2
(RM)		Plan 3
(RM)		Plan 4
(RM)
IN-HOSPITAL BENEFITSMaximum Per Disability
Accommodation:
Hospital Room & Board (daily max up to 150 days)100150200250
Intensive Care Unit, ICU (daily max up to 20 days)Full Reimbursement
Medical & Surgical Procedures:
Surgical Fees (including post-surgery care up to 60 days from date of surgery)Full Reimbursement
Operating Theatre
Anaesthetist Fee
Pre-Hospital Diagnostic Tests & Specialist Consultation (31 days prior to admission)
In-Hospital Physician Visit (daily max up to 150 days)
Post-Hospitalization Treatment (within 60 days from date of discharge)
Hospital Supplies & Services
Prescribed Medicines (within 150 days during hospitalization and 60 days after discharge)
Ambulance Fees 
OUT-OF-HOSPITAL BENEFITS
Out-Patient Benefits:
Emergency Accidental & Dental Out-Patient Treatment (seek treatment within 24 hours and follow-up within 31 days)Full Reimbursement
EXTENDED BENEFITS
Daily-Cash Allowance At Government Hospital (up to 150 days)50607080
Insured Daily Guardian Benefit (aged below 15 years, up to 150 days)50505050
Medical Report50505050
Government Service Tax5% of Hospital Room & Board Eligible Expenses Reimbursable
OVERALL ANNUAL LIMIT30,00035,00040,00045,000
LIFETIME LIMIT90,000105,000120,000135,000
 
Please refer to Description of Benefits for definition of terms.



ELIGIBILITY
 
Enrolment age from 30 days up to 18 years old.


PREMIUM
 
Premium is calculated based on age next birthday and type of plan.
 
Annual Premium Table On Age Next Birthday (RM)
 
With Medical Card Option
Age / PlanPlan 1Plan 2Plan 3Plan 4
30 days - 18316375439536
 
Without Medical Card (Reimbursement Basis) Option
Age / PlanPlan 1Plan 2Plan 3Plan 4
30 days - 18285338395482
 
Loading will be imposed based on height and weight of the insured person. Please refer to Height and Weight Table








Kurnia Hassle Free Hospital Admission
 
 Medical Claim
 
1.
Call 24 Hrs Kurnia Call Centre for location of nearest Kurnia Panel Hospitals.
2.
Present the Medical Card to the Admission Counter of Kurnia Panel Hospital.
3.
Kurnia Panel Hospital will then liaise with Kurnia for policy verification and fax the Admission Report to Kurnia Medical Insurance Department.
4.
Kurnia return fax with Guaranteed Letter to Kurnia Panel Hospital for all Covered Conditions; Letter of Decline for non-covered conditions.
5.
Private Hospitals may require basic deposits for incidentals/non-covered expenses.
6.
Kurnia Panel Hospital will prepare the Discharge Documentation and fax to Kurnia; Kurnia Medical Insurance Department process the documentation immediately and return fax with Payment Advice to the Panel Hospital.
7.
Upon settling incidentals/non-covered expenses, if any, insured may be discharged.


BReimbursement Claims
  
1.
Insured are allowed to be admitted to any Private Hospitals (non-Kurnia Panel Hospitals) under Reimbursement Claims Procedures.
2.
Written Notification is required for all Hospital Admissions; within 30 Days from date of admission.
3.
Complete Claims Documentation which includes original itemised bills & receipts, completed claim form, completed physician's medical report and other relevant claims documents are required to be submitted to Kurnia (within 30 days from discharge date) for claims processing.
4.
For covered conditions, an offer letter and discharge voucher will be issued to the Insured on the amount payable. Upon receipt of the signed discharge voucher from the Insured, Kurnia will proceed to issue claims payment.

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