Your complete healthcare protection against rising medical costs in Malaysia - made simple!
简单易懂，为您提供全面保障，应对马来西亚日益上涨的医疗费用！
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💰 High Coverage: Up to RM12 Million yearly limit for major medical expenses
💰 高额保障： 每年重大医疗费用最高可达 RM1,200 万
🛏️ Hospital Stay: Up to RM200 per day for your room
🛏️ 住院津贴： 每天最高 RM200 的病房费用
💵 Cost-Saving Option: RM500 deductible helps lower your premium
💵 节省保费选项： RM500 自付额可降低保费
🩺 Before & After Care: Covers consultations, tests and follow-ups
🩺 前后期医疗保障： 覆盖就诊、检查及复诊费用
♾️ Lifetime Protection: No lifetime claim limits
♾️ 终身保障： 无终身理赔限额
💰 Wellness Reward: Annual up to RM1,000 voucher for health check-ups, vaccines, and more when you remain claim-free for a year
💰 健康奖励： 一年无理赔可获高达 RM1,000 的健康检查、疫苗等优惠券
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<aside> 🧪 Outpatient Care
Covers daycare procedures, cancer treatments & kidney dialysis
覆盖日间手术、癌症治疗及肾透析
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<aside> 🚑 Emergency Care
Full coverage for accident emergency treatment
意外急诊全额保障
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<aside> 💳 Cashless Hospital
No upfront payment at panel hospitals
在合作医院无需先付款
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<aside> 🏥 Pre & Post Hospitalization Treatment
Covers up to 90 days before hospitalization & 180 days after hospitalization
住院前 90 天及出院后 180 天费用全包
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| Coverage 保障 | Basic 👍 基本 | Enhanced 👍👍 增强版 |
|---|---|---|
| Yearly Limit 年度限额 | RM 2,000,000 | RM 12,000,000 |
| Room Per Day 每日病房费 | RM200 (每年最多 150 天，可自选) | RM200 (天数不限，可自选) |
| Deductible 自付额 | RM500 | RM500 |
| ICU 重症监护 | Up to 150 days/ 最多 150 天 | Unlimited /不限天数 |
| No Claim Benefit 无理赔奖励 | 无 | RM500–RM1,000 Annual health check-ups, vaccines and more when you remain claim-free for a year |
| 每年 RM500–RM1,000 健康检查、疫苗等 |
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*TPD = Total Permanent Disability
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