Premier Medic Partner

Long-lasting coverage for your health. Care that truly endures.

What is Premier Medic Partner insurance?

It is a comprehensive medical insurance policy that takes care of your medical expenses and cushions your financial burden.

All eligible expenses are reimbursable up to the policy limit.
Renewal is at the option of the insured member. However, premium rates are not guaranteed.
Medical cost for organ transplant is fully reimbursable up to the policy limit.
This plan also provides medical card facilities for admission and discharge from hospitals for covered disabilities

Options

Your coverage is not just for one year, but is renewable up to 100 years of age.

If you take up this policy before the age of 65, renewal is at the option of the insured member up to 100 years, provided renewal premium is paid before the policy expires.

Key coverage

Here is an overview of your coverage

Hospitalisation & Surgical Benefits

Outpatient Benefits

Home Nursing Care
Outpatient Physiotherapy Treatment (within 60 days upon discharge)
Pre-Hospitalisation Diagnostic Tests & Specialist Consultation (31 days prior to Hospitalisation)
Post-Hospitalisation Treatment (within 60 days upon discharge)
Emergency Accident Outpatient Treatment (within 24 hours from time of accident)
Emergency Accident Dental Treatment (within 48 hours from time of accident)
Outpatient cancer treatment (per year)
Outpatient kidney dialysis treatment (per year)

Inpatient Benefits

Hospital Room & Board
Surgeon Fees (including Day Care Surgery and Pre & Post Surgical care up to 60 days)
Anaesthetist Fees
Intensive Care Unit
Hospital Services & Supplies
Operation Theatre
In-hospital Physician Visit (daily, up to 150 days)
Daily hospital allowance at government hospital (daily, up to 150 days)

Special Benefits

Ambulance Fee
Lodger Benefit (daily, up to 60 days)
Traditional medical treatment
Medical report fee
Overall Annual Limit
Organ Transplant (once per lifetime)
Funeral benefit
Lifetime limit per person

How much is my premium?

Your premium may vary, depending on

Your age
The selected plan of your choice
Your health status
Your occupational risk

For example,

Age: 30 years old
Plan: PM160
Health Status: Standard Risk

In this instance, your premium will be RM599.00.
(Premium is subject to RM10 Stamp Duty, and 6% Service Tax for Corporate policy)

Product literature

What we don’t cover

Sickness arising within the first 30 days of insurance
Pre-existing Condition, except Disabilities that are declared to the Company in the proposal form; that for which the company does not impose any condition, will be covered after 12 months of your insurance cover
Specific Illness occurring during the first 120 days of continuous cover
Cosmetic treatments, dental conditions or refractive errors of the eyes except due to accidental injury
Congenital abnormalities or pregnancy-related conditions
AIDS or sexually transmitted diseases
Self-inflicted injuries, drug addiction, mental or nervous disorders
Non-medically necessary expenses, weight control, sexual dysfunction, medical examinations, investigative procedures, or preventive treatment
Nuclear or military-related activities
Racing (other than foot racing), professional sports, or underwater activities
Criminal activities

Note:
This list is non-exhaustive. Please refer to the sample policy contract for the full list of exclusions under this policy.

Important information

This plan is underwritten by Tokio Marine Insurans (Malaysia) Berhad. All benefits and features mentioned herein are subject to terms and conditions of the policy. It is in your best interest to refer to the Policy Contract for the precise terms and conditions of this insurance plan. The information shown here is for reference only and is accurate as at 1st September 2018.

The duration of cover is for one year. You need to renew your cover annually.

You are to truthfully, correctly and completely answer all questions in the proposal form and disclose fully and faithfully all the facts which you know (or reasonably in the circumstances could be expected to know) to be relevant to our decision on whether to accept the risk or not, and the rate and terms to be applied; otherwise the Policy issued may be void.

It is important that you read and understand the Terms, Conditions and Exclusions of the policy.