Stay healthy, stay protected — our Medical Protection is designed to ease the financial burden of hospitalisation, surgery, specialist treatment, and medical emergencies. In Malaysia today, private healthcare costs can be substantial, especially when seeking timely treatment or advanced procedures. With this medical plan, you gain peace of mind that your health won’t drain your savings.

Key Benefits & Coverage Highlights

• Hospitalisation & Surgical Coverage — Pay for hospital stays, surgical procedures, operating theatre, specialist / physician fees, and related inpatient treatment costs.
• High Annual / Lifetime Limits — Pick from different coverage tiers; some plans include unlimited lifetime coverage or very high caps.
• Cashless / Direct Admission Option — Use guarantee letters or direct billing in approved hospitals so you don’t have to pay upfront.
• Pre- & Post-Hospitalisation Care — Covers medical consultations, diagnostic tests, treatments before and after hospital stay within specified periods.
• Optional Riders / Add-Ons:
  • Critical illness benefit
  • Outpatient specialist / diagnostic coverage
  • Daily cash hospital allowance
  • Maternity / newborn coverage
  • Alternative treatments (e.g. chiropractic, acupuncture)
• Flexible Premiums & Age Renewal — Premiums adjust with age; coverage can often be renewed up to advanced ages (e.g. age 85).
• Comprehensive Network & Support — Broad network of panel hospitals, assistance services, and fast claims processing