POS MALAYSIA HOSPITAL CASH INCOME PLAN

Get Cash Relief When You Are Hospitalised

We will never know when we might need to be hospitalized. Whether it is a sudden illness or injury, hospitalization is unexpected. And so are the bills.

With POS Malaysia Hospital Cash Income Plan, you get cash relief when you are hospitalized. So even if the unfortunate happens, and you need additional funds, you will be assured of financial assistance and peace of mind.

Additional cash in times of need

There are no restrictions on how you wish to use the money. You may choose to use it to settle your hospital bills or to pay for other household expenses. Moreover, the benefits are payable on top of any other insurance policies you may have.

Affordable Premium

Premium is made affordable for you so that you can enjoy the best coverage at a low premium.

No medical examination or lengthy health declaration

You are not required to undergo any medical examination or fill up any lengthy health declaration for acceptance.

Table Of Benefits and Premiums

Table of Benefits

Premium Table

Annual Premium including stamp duty

Frequently Asked Questions

Why do I need this plan?
You will have peace of mind knowing that in the event of hospitalization due to accident or illness, Pos Hospital Cash Income Plan offers cash relief to ease your financial burden.

Who is eligible to enroll?
All Malaysian citizens in good health and age between 18 and 60 years, renewable up to age 65.

How do I enroll?
Just complete the proposal form and submit it to any Pos Malaysia Berhad outlet.

When does my cover begin?
For all approved proposals submitted between the 1st and 15th of the month, cover will commence from the 16th of the current month. For all approved proposals received between the 16th and the end of the month, cover will commence from the 1st of the following month.

Will I be covered from the first day of policy commencement?
The policy will pay for any accidental claims immediately upon commencement of the policy. For illness claims, the policy will pay after 30 days from the commencement of the policy.

What if I have other insurance policies?
Hospital cash benefits are payable in addition to any other insurance plans you may have.

Does the policy pay for admission into any hospital?
The benefits are payable for admission into all Government and private hospitals.

What are the major exclusions?
The usual exclusions like pre-existing illness, specified illnesses, hospitalization caused by war, effects of alcohol, self inflicted injury, suicide or attempted suicide, mental disorder, complications of pregnancy or childbirth, use of non-prescribed drugs and HIV related illnesses. Please refer to policy document for full details.

What if I change my mind after purchasing the policy?
There is a 15 days “cooling off” period for this policy. If you change your mind, simply return the Policy of Insurance / Certificate of Insurance to us within 15 days of inception of your policy and you will be entitled to a full refund.

What are the disadvantages on switching policy from one insurer to another?
One of the main disadvantages is if your current health status is less favorable to the new insurer, new terms may be imposed to exclude such illness.

What is the claim procedure?
In the event of a claim, just call RHB Insurance Berhad at Toll Free 1-800-88-3998 and we will handle the rest.

The above terms, conditions and exclusions are not exhaustive. For full descriptions, please refer to the policy contract.

The PDF documents on this site require Adobe Reader. If you do not have Adobe Reader installed on your system, please download it at Adobe website at http://www.adobe.com/.

For more information, you can reach to us at 03-9281 2731 (ext. 139 and ext. 151) (Monday to Friday during office working hours). Alternatively you can email us at rhbi_general@rhbinsurance.com.my.