Medic Shield + Medic Million Extender | Comprehensive Medical Insurance and Hospitalisation Plan
Category: Health Insurance
Complete coverage for your healthcare needs
When the going gets tough, the tough should not be worrying about high medical bills.
Which is why you should ensure that you are well-equipped with a comprehensive medical plan should illnesses were to occur. With Medic Shield, you will be reimbursed for medical bills and hospitalisation up to RM150,000 depending on your selected plan, with no overall lifetime limit. This means that your coverage may be refreshed every year up to age 99 years, offering a lifelong protection that you can count on.
Your protection can also be enhanced by attaching the optional Medic Million Extender rider to extend your overall annual limit up to RM1,500,000. The addition of this rider similarly waives your deductible amount upon hospital admission and increases your room and board limit, should the need arise.
Secure yourself against the unexpected and choose Medic Shield + Medic Million Extender for all your healthcare needs today.
Key benefits
High overall annual limit, no overall lifetime limit
Medic Shield offers a high overall annual limit of up to RM150,0001with no overall lifetime limit. With renewable coverage yearly, this medical plan eases your financial burden should the unforeseen happen.
Protection you can count on until 100 years next birthday
Enjoy great peace of mind even in your golden years. With renewable coverage up to age 100 years next birthday, you will be able to check healthcare off your list as you live the best of life with your loved ones.
Comprehensive medical benefits with minimal deductible per any one disability
Medic Shield comes with a deductible of RM300 per any one disability1 ; providing an extensive coverage with a required deductible amount from you before Medic Shield takes care of the rest.
Optional rider to extend the annual limit of Medic Shield
You can also choose to attach Medic Million Extender, an optional rider that better prepares you in times of medical difficulty by extending your overall annual limit up to RM1,500,000, depending on your selected plan1.
Footnotes and disclaimers
Please do take note of the below to ensure you fully understand what this product does and does not cover.
1Terms and conditions apply.
Medic Shield is a non-participating yearly renewable stand-alone medical plan and Medic Million Extender is an optional yearly renewable medical rider attachable to the Medic Shield. Both plans may be renewed until the Life Assured reaches age 100 years old next birthday.
You should satisfy yourself that the plan(s) will best serve your needs and that the premium payable under the policy is an amount you can afford. A free-look period of 15 days is given for you to review the suitability of the Medical and Health Insurance (MHI) product. If the policy is returned to the Company during this period, the full premium would be refunded to the policy owner.
Upon cancellation of the policy, the policy owner is entitled for a proportionate refund (where applicable) of the last premium paid, provided no claims have been made during the policy year.
If you switch your medical policy/rider from one company to another or if you exchange your current medical policy/rider with another medical policy/rider within the same company, you may be required to submit an application where the acceptance of your proposal will be subject to the terms and conditions to be imposed at the time of policy switching or replacement.
This brochure is for general information only. It is not a contract of insurance. You are advised to refer to the Sales Illustration, Product Disclosure Sheet, consumer education booklet on MHI and sample policy documents for detailed important features and benefits of the plan(s) before purchasing the plan(s). The exclusions and limitations of benefits highlighted above are not exhaustive. For further information, reference shall be made to the terms and conditions specified in the policy
Information correct as on 24 January 2022.
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