BENEFITS AT A GLANCE BASIC BENEFITS ( RM ) Plan 1 Plan 2 Plan 3 Plan 4 Plan 5 Plan 6 100 150 200 300 400 600 Refund of unutilized Hospital Room & Board amount 650,000 850,000 1,000,000 1,500,000 2,000,000 3,000,000 1,000 2,000 4,000 100 150 250 20% Co-insurance 10% Co-insurance 50 1. Hospital Room & Board (Max 150 days per disability each policy year) 2. Intensive Care Unit (Max 60 days per disability each policy year) 3. Hospital Supplies & Services 4. Surgical Fees (Post surgery care limited to 90 days after discharge) 5. Operating Theatre Fee 6. Anaesthetist Fee 7. In-Hospital Physician’s Visit (Max 2 visits per day) 8. Pre-hospitalisation Diagnostic Test (Max 30 days prior to hospitalisation) 9. Pre-hospitalisation Specialist Consultation (Max 30 days prior to hospitalisation) 10. Post-hospitalisation treatment (Max 90 days after discharge) 11. Ambulance Fees 12. Day Surgery Benefit 13. Government Service Tax 14. Emergency Accidental Out-patient Treatment (Max limit per accident, within 24 hours from accident) 15. Home Nursing Care (Max 150 days, per policy year) 16. Medical Report Fee (Per disability) 17. Out-patient Cancer Treatment 18. Out-patient Kidney Dialysis 19. Organ Transplant (Once per lifetime) 20. Government Hospital Daily Cash (Max 150 days, per disability) Lifetime Limit (LL) (Applicable to benefits 1 to 20) 21. Funeral Expense Benefit 22. Expert Medical Opinion (EMO) 23. International Emergency Assistance Service & Benefit 24. No Claim Bonus (NCB) Pre-Hospitalisation Diagnostic Test Pre-Hospitalisation Specialist Consultation Daily Guardian Benefit (Max 150 days, per disability) Accidental Death & Dismemberment (Once per lifetime) Total & Permanent Disability (Once per lifetime) Dread Disease (Once per lifetime) 30,000 40,000 60,000 100 150 250 50 100 200 N/A RM5,000 N/A Available As Charged (includes consultation, examinationtests and prescribed take-home drugs) No Annual Limit (If the total claims within a year exceeds 10% of the Lifetime Limit, a Co-insurance will be applied on the excess amount) As Charged As Charged Available to all plans 50,000 As Charged (Max 90 days prior to hospitalisation) As Charged (Max 90 days prior to hospitalisation) 10,000 3,000 10% Increase on R&B benefit for every 3 years cycle of no claims (Subject to maximum increase of 50%) Annual Limit (AL) (Applicable to benefits 1 to18) Booster (Optional) – adds the following benefits to your iHealth+ coverage LIMITS Without LIVE
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BENEFITS AT A GLANCE
BASIC BENEFITS (RM) Plan 1 Plan 2 Plan 3 Plan 4 Plan 5 Plan 6