MediSure Insurance
Medical bills can, at the best of times, be debilitating. And when someone in the family has fallen ill, the last thing you want to worry about is how to meet the medical expenses. Taking that first step towards protecting you and your family in such a situation is therefore crucial.
With MediSure, you can rest assured that the bills will be taken care of while you focus your attention on more important matters, like ensuring that your loved one gets the best medical attention available.
Product Features
- Guaranteed Renewal
This policy guarantees annual renewal, ensuring the Insured Person is covered for up to a high lifetime limit of RM450,000, if he/she does not submit a claim in the first two years.
- MediSure Medical Card / Cashless Admission
A MediSure medical card will be provided to facilitate admission to a panel of quality hospitals nationwide without the need to pay a deposit upfront.
- Flexibility / Savings
MediSure gives you a choice between "Full" and "Deductible" programmes. If you opt for a "Deductible" programme of RM5,000, RM10,000 or RM20,000, you pay only a small fraction of the entire annual premium. That means savings for you while your insurance needs are still taken care of.
- Choice of Plan
MediSure has choice of six (6) plans to suit your budget and healthcare needs.
- MediSure Income Tax Relief
Premium paid for MediSure may qualify for income tax relief.
(Subject to the current terms and conditions and the income tax relief provisions)
This is only for viewing. For more information, please call RHB Insurance Bhd at 1800-88-0243 (Monday to Friday during office working hours) otherwise please call our Customer Service Consultants at 03-92803244/03-92803246, Product Marketing Department.
This product is underwritten by RHB Insurance Bhd. Terms and 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.
