mediGuard Premier (Age 19 to Age 65 Eligibility)

Insurance Made Easy as ABC‎ > ‎Health & Surgical Plans (健康及手术计划) Pelan Kesihatan & Pembedahan‎ > ‎

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

INTRODUCTION

Looking for a medical insurance that offers more

than the basic hospitalization coverage?

mediGUARD Premier is THE PLAN! Besides basic

hospitalization coverage, it has various extended

benefits, which provide you with adequate protection

at an affordable price. With mediGUARD Premier,

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:

-	Out-Patient Kidney Dialysis / Cancer Treatment
-	Emergency Accidental & Dental Out-Patient Treatment
-	Out-Patient Physiotherapy Treatment
-	Organ Transplant
-	Second Surgical Opinions
-	AIDS
-	Home Nursing
-	Double Overall Annual Limit For Accident Occurs Overseas
-	Major Medical
-	Accidental Death
-	Permanent Total Disablement Due To Accidental Injury
-	Bereavement Benefit On Accidental Death
-	Out-Patient Clinical Benefit (Optional). Click here to search for a panel clinic.
-	Full Reimbursement for Government Hospital (up to overall annual limit)

POLICY DETAILS

Product Details

Description of Benefits

Exclusions

Special Provision & Conditions

INTRODUCTION

Looking for a medical insurance that offers more

than the basic hospitalization coverage?

mediGUARD Premier is THE PLAN! Besides basic

hospitalization coverage, it has various extended

benefits, which provide you with adequate protection

at an affordable price. With mediGUARD Premier,

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:

-	Out-Patient Kidney Dialysis / Cancer Treatment
-	Emergency Accidental & Dental Out-Patient Treatment
-	Out-Patient Physiotherapy Treatment
-	Organ Transplant
-	Second Surgical Opinions
-	AIDS
-	Home Nursing
-	Double Overall Annual Limit For Accident Occurs Overseas
-	Major Medical
-	Accidental Death
-	Permanent Total Disablement Due To Accidental Injury
-	Bereavement Benefit On Accidental Death
-	Out-Patient Clinical Benefit (Optional). Click here to search for a panel clinic.
-	Full Reimbursement for Government Hospital (up to overall annual limit)

POLICY DETAILS

Product Details

Description of Benefits

Exclusions

Special Provision & Conditions

INTRODUCTION

Looking for a medical insurance that offers more

than the basic hospitalization coverage?

mediGUARD Premier is THE PLAN! Besides basic

hospitalization coverage, it has various extended

benefits, which provide you with adequate protection

at an affordable price. With mediGUARD Premier,

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:

-	Out-Patient Kidney Dialysis / Cancer Treatment
-	Emergency Accidental & Dental Out-Patient Treatment
-	Out-Patient Physiotherapy Treatment
-	Organ Transplant
-	Second Surgical Opinions
-	AIDS
-	Home Nursing
-	Double Overall Annual Limit For Accident Occurs Overseas
-	Major Medical
-	Accidental Death
-	Permanent Total Disablement Due To Accidental Injury
-	Bereavement Benefit On Accidental Death
-	Out-Patient Clinical Benefit (Optional). Click here to search for a panel clinic.
-	Full Reimbursement for Government Hospital (up to overall annual limit)

SCHEDULE OF BENEFIT

SECTION A : BENEFIT / PLAN	Plan 1 (RM)	Plan 2 (RM)	Plan 3 (RM)	Plan 4 (RM)	Plan 5 (RM)	Plan 6 (RM)
IN-HOSPITAL BENEFITS	Maximum Per Disability
Accommodation:
Hospital Room & Board (daily max up to 150 days)	100	150	200	250	400	600
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:
Annual Out-Patient Kidney Dialysis Treatment	20,000	25,000	35,000	40,000	50,000	60,000
Annual Out-Patient Cancer Treatment	20,000	25,000	35,000	40,000	50,000	60,000
Emergency Accidental & Dental Out-Patient Treatment (seek treatment within 24 hours and follow-up within 31 days)	Full Reimbursement
Out-Patient Physiotherapy Treatment (within 60 days from discharge)	Full Reimbursement
EXTENDED BENEFITS
Organ Transplant (per lifetime limit)	Full Reimbursement
Daily-Cash Allowance At Government Hospital (up to 150 days)	50	60	70	80	90	100
Medical Report	50	50	50	50	50	50
Second Surgical Opinions	50	50	70	70	100	150
Government Service Tax	5% of Hospital Room & Board Eligible Expenses Reimbursable
SPECIAL BENEFITS
AIDS (per lifetime limit)	5,000	5,000	5,000	10,000	10,000	10,000
Home Nursing	5,000	5,000	6,000	8,000	8,000	10,000
OVERALL ANNUAL LIMIT	50,000	70,000	90,000	110,000	130,000	150,000
DOUBLE OVERALL ANNUAL LIMIT FOR ACCIDENTAL INJURY WHILST TRAVELING OVERSEAS	100,000	140,000	180,000	220,000	260,000	300,000
MAJOR MEDICAL (per lifetime limit)	10,000	15,000	20,000	25,000	30,000	35,000
LIFETIME LIMIT	150,000	210,000	270,000	330,000	390,000	450,000
PERSONAL ACCIDENT BENEFITS
Accidental Death	20,000	25,000	30,000	35,000	40,000	50,000
Permanent Total Disablement Due To Accidental Injury	20,000	25,000	30,000	35,000	40,000	50,000
Bereavement Benefit On Accidental Death Only	1,500	1,500	1,500	1,500	1,500	1,500

SECTION B : BENEFIT / PLAN	Plan 1	Plan 2	Plan 3	Plan 4	Plan 5	Plan 6
OUT-PATIENT CLINICAL BENEFITS (OPTIONAL)
Out-Patient GP Care (in the Physician's office or clinic) · Consultation · Medication · Diagnostic Test (for accidental injury only)	Panel - Co-payment RM 5 per visit - Unlimited number of visits per annum Non-Panel - Reimburse up to 80% of the actual charges or maximum RM 20 per visit, subject to emergency basis only
Out-Patient Specialist Care (in the Physician's office or clinic) · Consultation · Medication · Diagnostic Test (for accidental injury only)	Co-payment RM5 per visit up to RM100 per visit (inclusive of co-payment) subject to referral by panel clinics only (reimbursement basis)
Preventive Screening For Annual Pap Smear Or Prostate Specific Antigen	Full Reimbursement at panel GP clinics only
OVERALL ANNUAL LIMIT	RM 1,500
LIFETIME LIMIT	RM 4,500

Please refer to Description of Benefits for definition of terms.

ELIGIBILITY

Enrolment age from 19 years old up to 65 years old. Renewal is up to age 65 at the option of the Policyholder, thereafter at the discretion of the Company up to 70 and provided that you are enrolled before 61 years old.

PREMIUM

Premium is calculated based on age next birthday and type of plan.

Annual Premium Table On Age Next Birthday (RM)

Section A : With Medical Card Option

Age / Plan(Umur/Pelan)	Plan 1	Plan 2	Plan 3	Plan 4	Plan 5	Plan 6
19-25	424	484	549	670	834	971
26-35	433	493	559	682	848	989
36-45	550	629	723	886	1,109	1,301
46-55	833	970	1,133	1,400	1,772	2,094
56-60	1,123	1,328	1,561	1,937	2,473	2,932
61-65	1,452	1,738	2,050	2,545	3,268	3,889
66-70 (Renewal only) Pembaharuan sahaja)	1,962	2,389	2,830	3,501	4,539	5,446

Section A : Without Medical Card (Reimbursement Basis) Option(Opsyen Tanpa Kad Medical (Dasar Pengembalian Selepas Bayaran Sendiri)

Age / Plan	Plan 1	Plan 2	Plan 3	Plan 4	Plan 5	Plan 6
19-25	382	436	494	603	751	874
26-35	390	443	503	614	763	890
36-45	495	566	651	798	998	1,171
46-55	749	873	1,020	1,260	1,595	1,885
56-60	1,010	1,195	1,405	1,744	2,226	2,639
61-65	1,307	1,564	1,845	2,291	2,942	3,500
66-70 (Renewal only)	1,765	2,150	2,547	3,151	4,085	4,902

Section A & B : With Medical Card & Out-Patient Clinical Benefit Option

Age / Plan	Plan 1	Plan 2	Plan 3	Plan 4	Plan 5	Plan 6
19-25	722	782	847	968	1,132	1,269
26-35	731	791	857	980	1,146	1,287
36-45	848	927	1,021	1,184	1,407	1,599
46-55	1,131	1,268	1,431	1,698	2,070	2,392
56-60	1,421	1,626	1,859	2,235	2,771	3,230
61-65	1,750	2,036	2,348	2,843	3,566	4,187
66-70 (Renewal only)	2,260	2,687	3,128	3,799	4,837	5,744

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



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 Call Centre 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.

	Reimbursement 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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