AXA Affin

Underwritten by AXA Affin Life Insurance Berhad

AXA Affin eMedic Medical Card

Give yourself comprehensive medical protection with the AXA eMedic. This plan can be purchased and reviewed online and giving you a quick and simple application process from the comfort of your home. Take control of your medical coverage.

    • Deductible Up To RM1000
    • 15-Day Cancellation Refund

Get Your Medical Card For As Low As RM37!

Get Your Medical Card For As Low As RM37!

RinggitPlus will help you all the way! No wait for call, no paper form to fill in, just a simple chat.

Start Application

View product disclosure sheet.


How much you can claim for hospital bills

  • Annual Limit
    The claims on your medical card cannot exceed this amount in a single policy year.
    from RM20000 up to RM100000
  • Lifetime Limit
    Know your lifetime limit, your medical card expires if you reached this amount.
    No Limit for coverage up to the age of 80 years old.
  • Pre-Hospitalisation Diagnostic Tests
    This covers the costs incurred for diagnostic X-ray, laboratory examination and scans.
    As Charged within 31 days before Hospital Confinement (including medication)
  • Room & Board
    For the days that you spend in a hospital room instead of your own bed.
    up to RM250 unlimited days of hospitalisation
    • Consultation & Diagnostic Procedures
      As Charged within 31 days before Hospital Confinement (including medication)
    • Intensive Care Unit (ICU)
      Worsening conditions may require critical care in the specialised hospital ward.
      As Charged
    • Day Care Surgery
      For treatments and minor surgeries which don't require you to stay overnight at the hospital.
      As Charged
    • Surgical Fees
      How much your medical card covers for surgical procedures, minor and major.
      As Charged
    • Operating Theatre Fees
      All the costs involved for use and set up of the operating room for your surgery.
      As Charged
    • In-Hospital Physician Visits
      This is the limit for the visits from the hospital doctors that are covered by your medical plan.
      As Charged
    • Post-Hospitalisation Treatment
      This covers your follow up treatment after your discharge from hospital or day care surgery.
      As Charged within 60 days after discharge
    • Prescription Drugs
      For all the medicine and antibiotics prescribed by your doctor.
      As Charged
    • Physiotherapy
      In case you need physiotherapy following injury or sickness, written recommendation from your doctor is required.
      As Charged within 60 days from discharge
    • Emergency Accidental Outpatient Treatment
      Cover for emergency outpatient treatment and follow up due to an accident.
      As Charged
    • Ambulance Fees
      Charges for local ambulance services to and from the hospital.
      As Charged
View more coverage details +


How much your premiums may cost

    Actual premium rates will be determined by AXA Affin Life Insurance Berhad and may vary from what is suggested based on age, sex, occupation, lifestyle habits and other factors.

    How to Claim

    You will have hassle free admissions with your AXA Affin eMedic e-card. Just present the card upon registration at any panel hospital, that is all you need. 

    In case you need to get reimbursement on your medical bill you'll need to submit some documents to AXA Affin. Here's what you need:

    • Claim Form
    • Medical Claim Medical Report (to be filled by doctor)
    • Original hospital bills and payment receipts

    Once you've compiled these documents you'll need to submit them to the head office at the address below.

    AXA AFFIN Life Insurance Berhad
    8th Floor Chulan Tower
    No 3 Jalan Conlay
    50450 Kuala Lumpur

    If your claims are approved, you'll get reimbursed with a payment cheque or Giro.

    Medical Assistance Hotline & Services
    AXA Affin Customer Care Hotline


    Am I eligible to apply for this insurance?

    Minimum Entry Age
    At least 15 days of age
    Maximum Entry Age
    At most 49 years of age
    Maximum Renewal Age
    At most 79 years of age
    Coverage Expiry Age
    At most 80 years of age

    Frequently Asked Questions about AXA Affin eMedic Medical Card

    Things you might want to know

    What is AXA Affin eMedic all about?

    AXA Affin eMedic is an online medical protection plan that is readily available to anyone looking for great medical coverage. The application for this protection can be done online making it easy to use for anyone with internet access and a device of some sort.

    Also, this policy comes with a selection of 3 plans. Each with varying premiums and coverage amounts. Select the plan you are most comfortable with and have a reassurance that AXA Affin will help pay your medical expenses according to the plan you choose.

    How much does the plan cover?

    This eMedic plan comes with coverage for hospital expenses, surgical expenses and even physician charges. All the plans also cover to a certain degree pre- and post-hospitalization.

    In the case of pre-hospitalisation, you will be covered for Consultations and Diagnostic Procedures within 31-days of your hospitalisation, coverage will also extend to the medication received. For post-hospitalisation coverage, the plan has a benefit for both Post Hospitalisation Care and Physiotherapy Treatment, within 60-days of hospital discharge.

    Following that the plan comes with an annual limit of up to RM100,000, depending on the plan you select. This limit is a combined limit of both your inpatient and outpatient treatment.

    AXA Affin eMedic comes with No Lifetime Limit, so there will be no reduction in your coverage up to the ripe old age of 80 years old.

    How do the plans work?

    As mentioned, there are 3 plans that you can choose from; Plan 100, Plan 50 and Plan 20. On top of that, you have the choice to make your plan on without a deductible where 100% of the medical bill is paid by AXA Affin. Or, you could opt for a deductible with any one of the plans, the deductible amount is RM1,000.

    Coverage benefits for both options will remain the same.

    AXA Affin eMedic Product Disclosure Sheet (deductible)

    AXA Affin eMedic Product Disclosure Sheet (non-deductible)

    Who can apply for this policy?

    This online medical plan is available to anyone from the age of 16 to 39 on their next birthday. Renewal for this policy is open up to the age of 80 years old.

    Simply fill in the online application form and click ‘purchase’. There are no intermediaries involved and you will get instant approval with a few health-related questions. No medical examination is required, so you will have your protection plan in no time.

    Do I get a medical card?

    Yes, you do! Since this is a 100% online plan you will get an e-card that you can easily save on your mobile device. Enjoy cashless admission at any AXA Affin panel hospital by simply presenting your e-card.

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