Medic Plus Medical Insurance

Medic Plus is designed to complement and provide protection as a secondary level of cover to the Hospitalisation & Surgical Insurance that you may have purchased or where you are covered by a policy arranged by your employer. 

Tokio Marine’s Medic Plus is here to take away your fear of insufficient medical coverage.

List of benefits

• All eligible expenses shall be reimbursed up to the Limits of Policy.
• Renewal guaranteed after 12 months of 'claims-free' period.
• No requirement of re-declaration of health status at renewal. 
• 'Hassle Free' facility for admission & discharge from hospitals for disabilities and illnesses covered. 
• Medical costs for organ transplant are fully reimbursable up to the Limits of Policy.
• Covered: - Out-patient treatments for Cancer & Kidney Dialysis.
• Covered: - Out-patient Physiotherapy Treatments & Home Nursing Care after hospitalisation.
• Maximum lifetime limit: RM750,000

Medic Plus is designed to complement and provide protection as a secondary level of cover to the Hospitalisation & Surgical Insurance that you may have purchased or where you are covered by a policy arranged by your employer.

The benefits of a basic/standard cover are unlikely to be adequate to meet the ever-increasing cost of medical expenses and health care for complicated, serious or complex surgeries.

Medic Plus helps to bridge the gap with its limits intentionally set at a high level and it operates when the benefits/limits of your existing insurance cover have become exhausted.

• Accidental Death benefits payable.
• High limits of cover at low and affordable premium.
• One common level of premium regardless of gender and classes of occupations.
• 30% automatic increase of Overall Annual Limit when you hold a Medic Partner Policy with us for not less than 2 consecutive years.
• High maximum entry age: 65 years and renewable up to 70 years.
• Deductible per Disability: - RM10,000 - RM5,000 (if confined to Malaysian Government Hospital)
• Only one Deductible shall apply if family members are injured in the same accident.

To make an appointment or if you have any question, please
Email: opulence.consultancy@gmail.com
SMS or call: +6012 2098986
Connect with Facebook:
https://www.facebook.com/myInsurancePartner
https://www.facebook.com/myBusinessInsurance

Family PA Insurance

Having a family to come home to is the ultimate joy you’ve ever experienced. Loved ones are the little treasures that give that extra meaning and fulfillment as you journey through life.

Family PA Partners protects proposer and his/her family against accidental death, permanent disablement, incurrence of medical, rehabilitation and bereavement expenses and more, through comprehensive coverage benefits. On top of that, TMIM PA Partner also includes renewal bonus benefits, double indemnity and optional personal liability features for added value.

1. SCOPE OF COVER

• Accidental Death
• Permanent Disablement
• Medical Expenses
• Ambulance Fees
  • Reimbursement up to the limit as specified for charges by the hospital or by a private ambulance company for emergency/ambulance response and treatment on the Insured in respect of any accident bodily injury sustained.
• Bereavement Allowances
• Hospital Income
  • A daily cash allowance for each complete day of confinement in a registered hospital for treatment of bodily injury resulting from a covered accident provided such hospitalization must occur with 14 days of the accident.
• Repatriation Expenses
• Rehabilitation Allowance
  • Payment of the amount as specified upon discharge of the Insured from the hospitalization of a period exceeding 7 days as a result of a covered accident.
• Travel Allowance
• Renewal Bonus
• Double Indemnity
• Personal Liability

Family PA Partner insurance protects proposer and his/her family 24 hours a day, 365 days a year, anywhere in the world for death or bodily injury caused by accidental means such as (but not limited to) the following:

• Fire, explosions and natural perils
• Murder and unprovoked assault
• Strike, riot and civil commotion
• Hijacking (excluding Terrorism)
• Most amateur sports activities (subject to policy exclusions)
• Disappearance and exposure to elements
• Intoxication by liquor
• Intoxication by drugs (prescribed by doctors)
• Harmful insects (excluding diseases transmitted by such insects), snakes and animal bites
• Food and drink poisoning
• Motorcycling (subject to policy exclusions)
• Gas Inhalation
• Electrocution
• Air travel as a fare paying passenger in any aircraft licenses passenger service on scheduled or unscheduled flights (subject to policy exclusions)
• Drowning

Choices of Plans and Benefits

Family PA Partner

• Age Limit : 1 month up to 65 years old
• Definition : Spouse - the proposer’s legal husband/wife who is not legally separated or divorced at the commencement of the policy. Spouse shall mean one legal spouse as named in the Policy Schedule.
• Children - children shall mean natural children, step-children or legally adopted children as named in the policy schedule between the age of one (1) month to eighteen (18) years or up to twenty three (23) years who is full time student in a recognized education institution provided he/she is unmarried and financially dependent upon the proposer.

Detail list of travel insurance benefits

Detail list of travel insurance benefits

To make an appointment or if you have any question, please
Email: opulence.consultancy@gmail.com
SMS or call: +6012 2098986
Connect with Facebook:
https://www.facebook.com/myInsurancePartner

If you love to travel frequently, or you make regular business trips in the year, you may want to consider taking up the annual travel insurance which covers unlimited number of trips in a policy year.

To make an appointment or if you have any question, please
Email: opulence.consultancy@gmail.com
SMS or call: +6012 2098986
Connect with Facebook:
https://www.facebook.com/myInsurancePartner
https://www.facebook.com/myBusinessInsurance

Is travel insurance necessary?

Is travel insurance necessary? How would the purchase of travel insurance whenever I go on a holiday or business trip benefit me? Year end school holidays are just round the corner. With premiums starting as low as RM32 per person for a 5-day trip (lower than the entrance to Legoland!), please get yourself and family covered.

Besides covering inconveniences such as loss of luggage and flight delay or cancellation, a travel insurance is essential to protect yourself from the high cost of medical care overseas and for getting help in a foreign country.

A comprehensive travel insurance can offer:

• reimbursement of up to RM300,000 for medical/surgical or hospitalisation charges incurred overseas
• reimbursement for follow-up treatment in Malaysia
• reimbursement of actual expenses for accommodation, communication, economy class air fare, travel expenses and meals
• incurred by one immediate family member due to hospitalisation of insured person
• free 24-hour worldwide travel assistance:
  • pre-travel advice on visa and vaccination requirements •
  • medical assistance in an emergency or evacuation or repatriation
  • travel assistance: lost luggage, passports, cash, foreign language interpretation

Premiums start as low as RM32 per person for a 5-day trip.

Detail list of travel insurance benefits > Click Here

If you love to travel frequently, or you make regular business trips in the year, you may want to consider taking up the annual travel insurance which covers unlimited number of trips in a policy year.

Three Reasons Why You Should Take Up the Annual Travel Insurance

• Save on the Premium
• Save on the Trouble of Having to Purchase Travel Insurance before Every Trip
• No Limit on the Number of Trips You Can Make during the Policy Year

To make an appointment or if you have any question, please

Email: opulence.consultancy@gmail.com

SMS or call: +6012 2098986

Connect with Facebook:

https://www.facebook.com/myInsurancePartner 

https://www.facebook.com/myBusinessInsurance