You’d never know what could happen while you go about your days as usual. If any unforeseen circumstances happen and you are being hospitalised, having a medical card at hand can be very helpful.
How does eMedic Plus work?
eMedic Plus is an online medical card that provides coverage for hospitalisations. Doesn’t matter if you’re being hospitalised due to sudden sickness or due to an accident, your admission will be covered by AXA AFFIN.
Unfortunately, if you already have a pre-existing illness or medical condition that requires you to be admitted at a hospital, you won’t be covered by the medical card.
What hospitalisation services are being covered?
If you’re being admitted, the following would be the hospitalisation services that will be covered by eMedic Plus medical card. And if you want to find out more details on the hospitalisation services, do check out the product disclosure sheets: 1) Deductible 2) Non-deductible
In-patient and Surgical Benefit
- Hospital room and board
- Intensive Care Unit (ICU)
- Hospital supplies and services
- Surgical fees
- Anaesthetist fees
- Operating theatre
- Prescription medications
- Diagnostic procedures and physiotherapy
- Physician/specialist visits
- Ambulance fees
- Daily allowance for hospitalisation due to accident
- Daily allowance for hospitalisation in ICU
- Daycare surgical procedure
- Consultations and Diagnostic Procedures (including medications)
- Post hospitalisation care and physiotherapy treatment
- Emergency accidental treatment
What are the types of plans available?
With eMedic Plus, there are four (4) types of plans with different annual limits and you can choose whichever plan, depending on your needs or preferences.
|Types of plans||Annual limit|
You can also enjoy the ‘Inflation Defender’ benefit which means at the end of every five (5) policy years, starting from your policy’s date of issuance, your annual limit will increase by 10% of the initial annual limit that you chose. But, it is subject to a maximum of 50% of the initial annual limit only.
What happens if I don’t make any claims?
There is another one (1) benefit that we would like to highlight which is the No Claim Rewards benefit. If you don’t make any claims for one (1) policy year, you will be rewarded with cash such as but not limited to e-voucher or cash voucher at the end of the policy year.
The No Claim Rewards is tiered, depending on the type of plan you choose. For Plan 20 subscribers, the reward is RM20. Plan 50 subscribers may get RM30. Plan 100 subscribers on the other hand gets rewarded with RM50, while the subscribers of Plan 150 may get RM60. For better clarity, you can check out the table below:
|Types of plans||No Claim Rewards|
And if you’re eligible, AXA AFFIN will send to you the No Claim Rewards through your registered email address. However, please kindly note that the said payment method is subject to change from time to time as determined by AXA.
Deductible and non-deductible per hospitalisation options
With eMedic Plus, you can choose between deductible or non-deductible options. Deductible means that if you’re being hospitalised, you will need to pay for the first RM1,000 upfront of the total medical expenses charged to you. The remaining balance will then be paid by AXA AFFIN after deducting the first RM1,000, subject to your annual limit.
For example, your total medical bill is RM10,000 and because you choose deductible, you will pay RM1,000 first and the remaining RM9,000 will be paid by AXA AFFIN.
Is medical check-up required? When will I get my card and policy documents?
No, you don’t need to do a medical check-up to apply for eMedic Plus medical card. But, you will need to answer a few health questions upon online application. It’s very simple and it won’t take much of your time!
For your information, eMedic Plus doesn’t come with a physical medical card. So upon successful application, you will be able to get your e-medical card and a welcome email within one (1) working day. As for the policy documents, you should be able to get them within 3 working days via email.
Can I use my eMedic Plus medical card immediately?
For accident-related hospitalisation, you can use your medical card immediately. For other medical conditions, there is a 30-day waiting period before you can use your card. And for other specified illnesses such as cancer, high-blood pressure or diabetes, there is a 120-day waiting period.