Overview
Get cash relief when you're hospitalised
- This product provides cash relief when you are hospitalised.
- You will be entitled for daily hospital cash income if you are hospitalised due to accident and covered illness.
Table of Benefits
| Benefits |
Plan |
| Gold |
Diamond |
Daily Hospital Cash
(Up to180 days) |
RM100 Per Day |
RM200 Per Day |
Daily Intensive Care Cash
(Up to 30 Days) |
RM200 Per Day |
RM400 Per Day |
Extra Lump Sump Cash
(Hospitalisation exceeding 15 consecutive days) |
RM500 |
RM1,000 |
Description of Benefit:
Daily Hospital Cash
The Insured Person will be paid daily hospital cash benefit up to 180 days if the Insured Person is hospitalised due to accident and covered illness.
Daily Intensive Care Cash
Where sickness or injury shall caused hospital confinement in an Intensive Care Unit, the Company shall pay the benefit as specified on the policy schedule up to a maximum of 30 days.
Lump Sum Payment
When sickness or injury shall cause hospital confinement exceeding 15 days consecutively residing as Inpatient on the same hospital, lump sum payment applicable to the Insured Person.
Table of Premiums (Including stamp duty)
| Age Band (Years) |
Gold |
Diamond |
| 18 - 35 |
80 |
150 |
| 36 - 45 |
110 |
210 |
| 46 - 50 |
145 |
280 |
| 51 - 55 |
185 |
360 |
| 56 - 60 |
235 |
460 |
| 61 - 65 (renewal only) |
310 |
610 |
IMPORTANT NOTE:
Pos Malaysia Berhad (PMB)
This policy is underwritten by RHB Insurance Berhad and distributed by PMB branches nationwide. Thus, this policy will only be available for purchase/renewal at all PMB branches nationwide.
Terms & Conditions Apply
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 / Lengthy Health Declaration
You are not required to undergo any medical examination or fill up any lengthy health declaration for acceptance.
Table Of Benefits & Premiums
| BENEFITS |
PLAN |
| GOLD |
DIAMOND |
Daily Hospital Cash
Up to 180 days |
RM100 |
RM200 |
Daily Intensive Care Cash
Up to 30 days |
RM200 |
RM400 |
Extra Lump Sum Cash
Hospitalisation exceeding 15 consecutive days |
RM500 |
RM1,000 |
| AGE BAND (YEARS) |
GOLD (RM) |
DIAMOND (RM) |
| 18 - 35 |
RM80 |
RM150 |
| 36 - 45 |
RM110 |
RM210 |
| 46 - 50 |
RM145 |
RM280 |
| 51 - 55 |
RM185 |
RM360 |
| 56 - 60 |
RM235 |
RM460 |
| 61 - 65 (Renewal only) |
RM310 |
RM610 |
* 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.
