Coverage
How much you can claim for hospital bills
- Annual Limit
- The claims on your medical card cannot exceed this amount in a single policy year.
- from RM50000 up to RM3500000
- Lifetime Limit
- Know your lifetime limit, your medical card expires if you reached this amount.
- No Limit
- Pre-Hospitalisation Diagnostic Tests
- This covers the costs incurred for diagnostic X-ray, laboratory examination and scans.
- As Charged
- Room & Board
- For the days that you spend in a hospital room instead of your own bed.
- from RM200 up to RM800per day, up to 180 days a year
- Pre-Hospitalisation Consultation
- What’s covered for medical consultation prior to hospitalisation or day care.
- As Charged
- Medication and Treatment
- Charges for the medicine and therapy that go towards helping you feel 100% again.
- As Charged
- Intensive Care Unit (ICU)
- Worsening conditions may require critical care in the specialised hospital ward.
- As Charged
- Hospital Services and Supplies
- Charges for the sterilised bandages, intravenous drips, blood packs and other services while hospitalised.
- As Charged
- Day Care Surgery
- For treatments and minor surgeries which don’t require you to stay overnight at the hospital.
- As Charged
- Surgical Fees
- How much your medical card covers for surgical procedures, minor and major.
- As Charged
- Anaesthetist Fees
- Some surgeries require the use of anaesthetic drugs to put you to sleep before the procedure.
- As Charged
- In-Hospital Physician Visits
- This is the limit for the visits from the hospital doctors that are covered by your medical plan.
- As Charged
- Post-Hospitalisation Treatment
- This covers your follow up treatment after your discharge from hospital or day care surgery.
- As Charged
- Outpatient Kidney Dialysis Treatment
- Charges covered for consultation, examination tests and prescribed drugs if you are diagnosed with kidney failure.
- As Charged
- Outpatient Cancer Treatment
- Charges covered for consultation, examination tests and prescribed drugs if you are diagnosed with cancer.
- As Charged
- Outpatient Stroke Treatment
- Treatment benefit for stroke patients, not inclusive of physiotherapy and nursing care.
- As Charged
- Emergency Accidental Outpatient Treatment
- Cover for emergency outpatient treatment and follow up due to an accident.
- As Charged
- Pregnancy Complication
- Extra cover for medical cost resulting from complications during pregnancy.
- As Charged up to RM30,000
- Medical Evacuation and Repatriation
- Amount covered for treatment requiring medical evacuation or repatriation to Malaysia.
- As Charged per event, up to US$1 million
- Emergency Dental Treatment
- Emergency benefit for dental-related surgery and treatment due to accident.
- As Charged
- Insured Child Guardian Benefit
- Reimbursement of expenses for parents or guardians of children who are admitted into the hospital ward.
- As Charged
- Home Nursing Care
- How much you’re allowed to claim for care from a government-licensed nurse at your home.
- As Charged No limit
- Intraocular Lens
- Coverage limit for eye corrective surgery to treat cataracts or myopia.
- As Charged up to RM10,000
- Traditional Medical Treatment
- Charges for treatments such as chiropractic, chiropody, homeopathy, osteopathy and acupuncture after discharge from hospital.
- As Charged
- Cosmetic Treatment
- For skin grafts or reconstructions due to an accident or disease.
- As Charged
Premiums
How much your premiums may cost
- Fresh Graduate
As a fresh graduate at 22 years of age, Khadija would like to have basic health protection. Although she has a secure job as a clerk with a low salary, she realises getting a medical card is important. She gets RM500,000 annual limit.
- Suggested PremiumRM150.00
- Office Admin
Anna’s family has a history of cancer. At 28, she would like to have her outpatient cancer treatment and recovery to be covered. She wants to invest in her health with an affordable premium that offers RM1,500,000 annual limit.
- Suggested PremiumRM200.00
- Family
Patrick is a 40 years old businessman and often travel overseas. He opts for Plan 500 with a total annual limit of RM2,000,000 to make sure his family is financially secured if something happens to him.
- Suggested PremiumRM500.00
Actual premium rates will be determined by Malaysian Insurance Companies and may vary from what is suggested based on age, sex, occupation, lifestyle habits and other factors.
How to Claim
Step 1: Prepare documents
Typically, these are the documents required for your claiming process:
- A copy of your NRIC
- Medical report by treating doctor
- Original medical bill(s) and receipt(s)
- Investigation or diagnostic report (if any)
- For overseas treatment: original itemised bill(s), flight ticket, passport
Always remember to keep the original copy of bills and receipts when you are receiving medical treatment because they may be entitled for reimbursement. Most importantly, a medical report is a prerequisite document for a claim.
Step 2: Complete Claim Form
You need to complete a claim form, which can be downloaded from your insurance provider’s website or app. Without this claim form, your claim request is invalid.
Take this time to also review thoroughly your claim form and other documents before proceeding to submit them.
Step 3: Submit Claim
There are many ways you can choose to submit your claim. You can rely on your agent or do it yourself via mailing or stopping by at branch office.
Some insurance companies offer online submission platform too. Regardless of the means, you must complete the claim submission within 30 days after hospital discharge to qualify for reimbursement.
- RinggitPlus Customer Care Hotline
- 03-78900808
Requirements
Am I eligible to apply for this insurance?
- Minimum Entry Age
- At least 14 days of age
- Maximum Entry Age
- At most 70 years of age
- Maximum Renewal Age
- At most 99 years of age
- Coverage Expiry Age
- At most 100 years of age
Frequently Asked Questions about A Discussion with Licensed Financial Advisor
Things you might want to know
Q: What does a medical card cover?
A: A typical coverage consists of all pre- and post-hospitalizations, outpatient and emergency treatments. Depending on how the product is packaged, you should be receiving basic coverages such as:
- Room & Board
- Intensive Care Unit
- Surgical Fees
- Anesthetics Fees
- Operating Theatre
- In-hospital Physician Visit
- Hospital Supplies and Services
- Day Surgery
- Pre-hospitalization consultation and diagnostic
- Post-hospitalization treatment
- Outpatient treatments (Cancer, Dengue, Kidney Dialysis, Stroke, etc)
- Ambulance Fee
- Accidental Death / Accidental Permanent Disablement
- Emergency Accidental Injury
Q: What is ‘No-claim Bonus’?
A: A No-claim Bonus is a loyalty reward credited to you if you have not made any claim in the current or previous policy year. This bonus can come in the forms of cash reward or premium discounts or any other enhancements.
Q: What is Family Discount?
A: It’s a reduction in premium of policyholders who are covering additional members, usually more than two.
Q: What is ‘switching’?
A: ‘Switching’ happens when you decided to move from your current medical card insurance provider to another, subject to terms and conditions.
Q: Is there a Service Tax?
A: Yes, a Service Tax of 6% is applicable to the insurance premium.
Q: What if my original policy is lost?
A: Your medical card insurer will issue a duplicate policy according to their procedure. Usually, there will be an extra charge for the copy.
Q: Who are considered as ‘dependents’?
A: Individual who depends on the primary policyholder (spouse, children and parents) are considered as dependents. In general, children are considered as dependents up to the age of 18 years old or 23 years old (if they’re studying). Dependent children can only be covered under the same plan as their parents’.
Q: What are Exclusions?
A: Exclusions are illnesses or medical conditions that are not covered by a medical card. When you claim for any of the events under Exclusions, it will be denied by the insurer.
Q: What is Specified Illness?
A: Specified Illness are illnesses or disabilities that come with related complications.
Q: What are Pre-existing Conditions?
A: This is a condition or illness that you have experienced prior to applying for a medical card. Usually, the insurance provider will not cover for pre-existing conditions. You are encouraged to get a medical card before you develop any health conditions to enjoy its full benefits.
Q: Is Guaranteed Renewability important?
A: A rider medical card does not require a renewal and its premium is always guaranteed. Meaning, you will pay the same premium amount every month or year even though your age band increases.
If you purchase or renew a standalone medical card, you renewable is not always guaranteed. There are several risks insurance companies look into before agreeing to your renewal, such as age, pre-existing conditions, previous claim, occupation and many more.