Allianz Diabetic Essential Medical Card

Don't let diabetes stop you from enjoying life. Allianz Diabetic Essential Medical Card offers annual health screening tests to ensure your continued progress.

Allianz Diabetic Essential Medical CardDiabetes Cover
Annual Limit
up to RM1.4m
Lifetime Limit
up to RM4.2m
Room & Board
up to RM400
Coverage Age
From 30 years
No. of Panel Hospitals
71
Investment-Linked Plan
No

Coverage

How much you can claim for hospital bills

Annual Limit
from RM500k up to RM1.4m
Lifetime Limit
from RM1.5m up to RM4.2m
Pre-Hospitalisation Diagnostic Tests
As charged within 90 days prior to hospitalisation
Room & Board
from RM150 up to RM400per day
Surgical Fees
As charged 
Pre-Hospitalisation Consultation
As charged within 90 days prior to hospitalisation
Second Medical Opinion
up to RM2kper year
Intensive Care Unit (ICU)
As charged 
Hospital Services and Supplies
As charged 
Anaesthetist Fees
As charged 
Operating Theatre Fees
As charged 
In-Hospital Physician Visits
As charged up to 2 visits per day
Post-Hospitalisation Treatment
As charged within 90 days after discharge
Prescription Drugs
As charged 
Outpatient Kidney Dialysis Treatment
As charged 
Outpatient Cancer Treatment
As charged 
Day Surgery
As charged 
Emergency Accidental Outpatient Treatment
up to RM4kper year
Ambulance Fees
As charged 
Home Nursing Care
As charged up to 180 days per lifetime
Medical Report Fee
As charged Up to a maximum of RM150 per admission for In-Patient treatment or per Disability for Out-Patient treatment.
Traditional Medical Treatment
from RM100 up to RM400limit per visit, within 30 days following discharge.

Features

Additional benefits with this insurance

Co-insurance
Up to 20%
Hospital Accommodation
Up to 150 days

How to Claim

Who do I contact if I have a question or emergency?

Medical Assistance Hotline & Services
Allianz Customer Care Hotline

To make a claim for this product you will need your Medical Insurance details on hand. You will also need to download and complete the Claim Form.

Fill in your claim form and be sure to attach a Medical Report which can be provided by the doctor who attended to you. Also include all supporting documents listed below. Once you are ready, either submit the form via your agent, or directly to the nearest Allianz Life Branch.

Document Checklist

  • Claimant Statement
  • Medical Report
  • Certified copy of NRIC (front and back)
  • Original Tax Invoice(s)
  • Original Official Receipts(s)
  • Diagnostic Report/ Test Result/ Copy of Referral Letter
  • E-Payment Authorization Form

Requirements

Minimum Entry Age
At least 30 years of age
Maximum Entry Age
At most 60 years of age
Maximum Renewal Age
At most 70 years of age

More Information

What is Allianz Diabetic Essential Medical Card?

Having diabetes should not be a deal-breaker when it comes to full medical coverage, everyone should have the right to comprehensive and affordable medical insurance. 

Allianz Diabetic Essential is a comprehensive medical insurance plan that offers you medical care, for Type 2 Diabetes.

What am I covered against?

Similar to other medical insurance plans, the Allianz insurance offers you coverage for hospitalisation and surgical care, along with other medical charges. 

You will also have coverage for pre-hospitalisation, in terms of consultations and diagnostic tests, as well as post- hospitalisation, should you need any after care.

The medical card policy also covers out-patient care for cancer, kidney dialysis and dengue or enteric fever.  

Since this is also a diabetes-specific insurance plan, the plan also provides diabetes management benefits. 

Once a year, you will have access to a health screening benefit, claimable up to RM250, for the following tests;

  • Medical examination by a Doctor
  • Glycated Haemoglobin (HbA1c)
  • Urine FEME
  • Renal Function test
  • Lipid Profile

A benefit like this will allow you to keep track of your diabetes progressively.

What other benefits does this Allianz insurance provide?

Allianz Diabetic Essential Medical Card comes with a premium discount benefit that is applicable subject to the results of your Health Screening Benefit tests. 

For example, when you first sign up for the plan and have a good medical report, then Allianz may offer you a 20% discount on your premium.

By submitting your medical reports annually, you will receive a 10% discount even if your medical report results aren’t very good. 

Depending on your report, you may receive a discount of up to 40% off on your Allianz insurance premiums.

The premium discount rates are not guaranteed and the rate given may vary from policy year to policy year.

Who can apply for this medical insurance?

Anyone at the age of 30 and above can pick up this medical insurance, with a final application age of 60. 

The coverage will continue to the maximum age of 70 with its expiry at 71 years old. 

The medical card is open to both male and female Malaysian Citizens, who have Type 2 Diabetes.

How do the Allianz Diabetic Essential Medical Card premiums work?

Your Allianz Diabetic Essential Medical Card premium rate will be based on several factors, including your age, gender, medical conditions, your occupational class and the Allianz insurance plan you choose. 

It can either be charged on a per annum or monthly basis and will be recalculated to accommodate any discounts you may earn.