| 政策詳情 | | Product Details 產品詳情 | | Description of Benefits 描述優點 | | Exclusions 除外責任 | | Special Provision & Conditions 特殊規定和限制 |
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| | INTRODUCTION 引言 |  |
| | | mediGUARD Value offers an adequate coverage at an affordable price that best suits your budget. mediGUARD價值提供了足夠的覆蓋範圍 ， 同時以合理的價格最適合您的預算。 You are offered choice of plans with or without a medical card. 您正在計劃提供的選擇有或沒有醫療卡。 | | |  | With A Medical Card - Hospital Admission And Discharge Will Be Hassle Free 隨著醫療卡-病人入院及出院將無死角 | | | You will be given a Kurnia Insurans (Malaysia) Berhad medical card. 您將獲得1天安保險（馬來西亞）有限公司醫療卡。 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. 現在只要您的信用卡在任何醫院的小組獲得承認，沒有存款要求。 點擊這裡尋找一個小組醫院。保證該卡的麻煩免費入場和出院後有蓋的條件。 You may only need to settle non-payable charges, if any. 您可能只需要解決非繳付的費用，如果有的話。 | | | | | | Without A Medical Card - You Have Free Choice Of Hospital 沒有醫療卡-你有自由選擇醫院 | | | Just
settle your full bill upon discharge and submit to Kurnia Insurans
(Malaysia) Berhad for claims reimbursement for a covered condition. 只要您的完整解決出院後的法案 ， 並提交給天安保險（馬來西亞）有限公司的債權償還蓋條件。 |
| | | | You can enjoy basic coverage: 您可以享受基本覆蓋範圍： | | - - | PRE-HOSPITAL BENEFIT (Pre-Hospital Diagnostic Tests & Specialist Consultation) 預醫院的治療（預醫院診斷測試及專家諮詢） | | - - | IN-HOSPITAL
BENEFIT (Hospital Room & Board, Intensive Care Unit, Surgical Fees,
Operating Theatre, Anaesthetist Fee, In-Hospital Physician Visit,
Hospital Supplies & Services, Prescribed Medicines) 院內效益（醫院膳宿，重症監護病房，手術費，手術室，麻醉師費，院內醫生檢查，醫院用品及服務，處方藥） | | - - | POST-HOSPITAL BENEFIT (Post-Hospitalization Treatment) 出院後效益（後住院治療） | | - - | OUT-PATIENT BENEFIT (Emergency Accidental & Dental Out-Patient Treatment) 門診補助金（意外及緊急牙科門診治療） | | - - | OUT-PATIENT CLINICAL BENEFIT (OPTIONAL). Click here to search for a panel clinic. 門診臨床受益（可選）。 點擊這裡尋找一個小組診所。 | | - - | Full Reimbursement for Government Hospital (up to overall annual limit) 全部償還政府醫院（最多佔全年的限制） |
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| SCHEDULE OF BENEFIT 附表利益 | |
| | | SECTION A : BENEFIT / PLAN A節：收益/計劃 | Plan 1 計劃1
(RM) （資源管理） | Plan 2 計劃2
(RM) （資源管理） | Plan 3 計劃3
(RM) （資源管理） | | IN-HOSPITAL BENEFITS 院內利益 | Maximum Per Disability 最高每病症 | | Accommodation: 住宿： | | Hospital Room & Board (daily max up to 150 days) 醫院住院膳宿費（每日最高可達150天） | 100 | 120 | 150 | | Intensive Care Unit, ICU (daily max up to 20 days) 重症監護室，重症監護室（每天最多不超過20天） | Full Reimbursement 全額償還 | | Medical & Surgical Procedures: 醫療及手術過程： | | Surgical Fees (including post-surgery care up to 60 days from date of surgery) 手術費（包括手術後的護理60天手術日期） | Full Reimbursement 全額償還 | | Operating Theatre 手術室 | | Anaesthetist Fee 麻醉師費 | | Pre-Hospital Diagnostic Tests & Specialist Consultation (31 days prior to admission) 院前診斷測試及專家諮詢（31天前入院） | | In-Hospital Physician Visit (daily max up to 150 days) 在院內醫生檢查（每天最高可達150天） | | Post-Hospitalization Treatment (within 60 days from date of discharge) 後住院治療（60天內出院日期） | | Hospital Supplies & Services 醫院用品及服務 | | Prescribed Medicines (within 150 days during hospitalization and 60 days after discharge) 處方藥（150天內住院期間和出院後60天） | | OUT-OF-HOSPITAL BENEFITS 外的醫院利益 | | Out-Patient Benefits: 門診優點： | | Emergency Accidental & Dental Out-Patient Treatment (seek treatment within 24 hours and follow-up within 31 days) 緊急事故及牙科門診治療（爭取在24小時內處理和後續行動31天之內） | Full Reimbursement 全額償還 | | EXTENDED BENEFITS 擴展利益 | | Daily-Cash Allowance At Government Hospital (up to 150 days) 每日現金津貼 ， 政府醫院（150天） | 50 | 50 | 50 | | Government Service Tax 政府服務稅 | 5% of Hospital Room & Board Eligible Expenses Reimbursable 5％的醫院膳宿費用代辦資格 | | OVERALL ANNUAL LIMIT 總體年度限額 | 20,000 | 25,000 | 30,000 | | LIFETIME LIMIT 壽命極限 | 40,000 | 50,000 | 60,000 |
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| | | SECTION B : BENEFIT / PLAN B部分：收益/計劃 | Plan 1 計劃1 | Plan 2 計劃2 | Plan 3 計劃3 | | OUT-PATIENT CLINICAL BENEFITS (OPTIONAL) 門診臨床利益（可選） | Out-Patient GP Care (in the Physician's office or clinic) 門診大獎賽護理（在醫生辦公室或診所）
· Consultation ·諮詢
· Medication ·藥物
· Diagnostic Test (for accidental injury only) 醫院診斷測試（只為意外傷害） | Panel 小組
- Co-payment RM 5 per visit -共同支付每次5室
- Unlimited number of visits per annum -無限數量每年訪問 Non-Panel 非小組
- Reimburse up to 80% of the actual charges or maximum RM 20 per visit, subject to emergency basis only -償還高達80％的實際費用或最高每次訪問室20個，受緊急情況下只 | Out-Patient Specialist Care (in the Physician's office or clinic) 專科門診護理（在醫生辦公室或診所）
· Consultation ·諮詢
· Medication ·藥物
· Diagnostic Test (for accidental injury only) 醫院診斷測試（只為意外傷害） | Co-payment
RM 5 per visit up to RM100 per visit (inclusive of co-payment) subject
to referral by panel clinics only (reimbursement basis) 共同支付5室每次最多每次令吉（包括共同支付）除轉介 ， 小組診所只（報銷的基礎上） | | Preventive Screening For Annual Pap Smear Or Prostate Specific Antigen 預防性篩選年度抹片或前列腺特異抗原 | Full Reimbursement at panel GP clinics only 全部償還在小組大獎賽診所只 | | OVERALL ANNUAL LIMIT 總體年度限額 | RM 1,500 室 | | LIFETIME LIMIT 壽命極限 | RM 4,500 室 |
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| | | | Please refer to Description of Benefits for definition of terms. 請參閱說明好處術語的定義。 |
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| ELIGIBILITY 申請資格 | |
| | | Enrolment age from 19 years old up to 65 years old. 招收學員的年齡從19歲至65歲。 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. 重建達到65歲時選擇的保單，其後酌情公司70，並提供您註冊之前，61歲。 |
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| PREMIUM 地價 | |
| | | Premium is calculated based on age next birthday and type of plan. 保費計算下一次生日的年齡和類型的計劃。 | | | | Annual Premium Table On Age Next Birthday (RM) 全年保費表年齡的下一個生日（RM）的 | | | | Section A : With Medical Card Option A組：隨著醫療卡選項 | | Age / Plan 年齡/計劃 | Plan 1 計劃1 | Plan 2 計劃2 | Plan 3 計劃3 | | 19-25 | 188 | 211 | 247 | | 26-35 | 199 | 223 | 259 | | 36-45 | 301 | 338 | 392 | | 46-55 | 482 | 543 | 634 | | 56-60 | 671 | 759 | 892 | | 61-65 | 881 | 1,002 | 1,183 | | 66-70 (Renewal only)（續保） | 1,234 | 1,413 | 1,681 |
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| | | | Section A : Without Medical Card (Reimbursement Basis) Option A組：無醫療卡（實報實銷的）選項 | | Age / Plan 年齡/計劃 | Plan 1 計劃1 | Plan 2 計劃2 | Plan 3 計劃3 | | 19-25 | 178 | 201 | 234 | | 26-35 | 189 | 212 | 246 | | 36-45 | 286 | 321 | 373 | | 46-55 | 458 | 515 | 602 | | 56-60 | 637 | 721 | 848 | | 61-65 | 837 | 952 | 1,124 | | 66-70 (Renewal only)（續保） | 1,173 | 1,343 | 1,597 |
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| | | | Section A & B : With Medical Card & Out-Patient Clinical Benefit Option A和B組：隨著醫療卡和門診臨床受益股權 | | Age / Plan 年齡/計劃 | Plan 1 計劃1 | Plan 2 計劃2 | Plan 3 計劃3 | | 19-25 | 486 | 509 | 545 | | 26-35 | 497 | 521 | 557 | | 36-45 | 599 | 636 | 690 | | 46-55 | 780 | 841 | 932 | | 56-60 | 969 | 1,057 | 1,190 | | 61-65 | 1,179 | 1,300 | 1,481 | | 66-70 (Renewal only) （續保） | 1,532 | 1,711 | 1,979 |
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