Med Insure: Insurans perubatan bermula dari RM20 sebulan

Med Insure is a non-guaranteed yearly renewable medical insurance product which covers all reasonable and customary charges incurred for your medically necessary confinement as an in-patient in a hospital.

This product is structured on a group policy basis, where TNG Digital Sdn. Bhd. (TNGD) is the Master Policyholder. Any TNGD’s users who sign up for this product are the Insured Person(s).

This product is underwritten by AIA General Berhad and can only be purchased through Touch ‘n Go eWallet. 

Med Insure covers all reasonable and customary charges for your hospitalisation, treatment, surgery, medical services provided to you as an in-patient in a hospital, up to the Annual Limit, as long as they are medically necessary. For hospital room and board, the amount of benefit payable shall not be more than the rate of standard single or basic single room of the hospital and Annual Limit.

Please refer to the Schedule of Benefits below for the available plan options:

Schedule of Benefits:

Notes:

• All amounts shown in the Schedule of Benefits above are in Ringgit Malaysia (RM) unless stated otherwise.
• AIA shall only reimburse reasonable and customary charges incurred for the eligible benefits in the Schedule of Benefits above.
• For any confinement in a hospital that is not listed as AIA panel hospital in Malaysia, the maximum amount of benefit payable for hospital room & board of standard single or basic single room shall not exceed RM300 for any one day.
• This is a non-guaranteed yearly renewable plan, with one year (1) coverage period
• PMCM service is a value-added service programme that is administered by our appointed service provider, Teladoc Health, Inc. It offers comprehensive information, additional remote medical consultation and additional opinions from specialists and physicians, guidance, assistance in reaching the right diagnosis and support in the process of deciding upon the best medical treatment, and to coordinate quality medical care by leading medical experts in leading medical centers. The PMCM service does not prescribe any treatment but it will assist the Insured Person to reach the right diagnosis and most appropriate treatment plan. For more details, refer to the Personal Medical Case Management (PMCM) Service section in this FAQ.
• The benefits above have been summarized and are not exhaustive. Please refer to the Policy Wording here for the full list of benefits, definitions, exclusions, terms and conditions.

‘Confinement’ shall mean covered day care procedure or overnight admission of the Insured Person in a hospital as an in-patient upon the recommendation of a physician and continuously stays in the hospital prior to his/her discharge.  

Annual Limit is the maximum amount which AIA will pay in a year for your certificate of insurance for Med Insure. 

‘Deductible’ is a fixed amount that you must pay for the eligible expenses incurred for any one disability, the balance will be borne by AIA. You are not required to pay for the deductible amount under Med Insure if you undergo confinement and/or surgery at a Malaysian government hospital, except if you opt for Full-Paying Patient Service at the government hospital.

2 different scenarios are illustrated as follow, assuming Annual Limit of RM100,000 & Deductible of RM500: 

Scenario 1 – Same Disability

Scenario 2 – Different Disability

‘Any One Disability’ means that if 2 or more confinements are due to the same or related disability, or to any complications arising from it, such confinements shall be regarded as 1 confinement if each of them is not separated by more than 90 days from the paid or payable confinement which immediately occurred before this. This rule shall be observed in determining the limit of the benefits. 

‘Disability’ shall mean a sickness, disease, illness, or the entire covered injuries arising out of a single or continuous series of causes.