Underwritten by Allianz Life Insurance Malaysia Berhad

Allianz Diabetic Essential

Don't let diabetes stop you from getting the medical care you deserve. Get this Allianz medical plan that offers you comprehensive medical coverage and annual health screening tests to ensure your continued progress.

    • Co-Insurance Up To 20%
    • Hospital Accommodation Up To 150 Days

You're A Diabetic? Get Peace Of Mind With Allianz Diabetic Essential

You're A Diabetic? Get Peace Of Mind With Allianz Diabetic Essential

Apply online now for Allianz Diabetic Essential

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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 RM500000 up to RM1400000
  • Lifetime Limit
    Know your lifetime limit, your medical card expires if you reached this amount.
    from RM1500000 up to RM4200000
  • Pre-Hospitalisation Diagnostic Tests
    This covers the cost for ECG, X-rays and other laboratory tests to diagnose your symptoms.
    As Charged within 90 days prior to hospitalisation
  • Room & Board
    For the days that you spend in a hospital room instead of your own bed.
    from RM150 up to RM400per day
    • Pre-Hospitalisation Consultation
      What's covered for medical consultation prior to hospitalisation or day care.
      As Charged within 90 days prior to hospitalisation
    • Second Medical Opinion
      In case you'd like the medical opinion of another physician before undergoing treatment.
      up to RM2000 per year
    • Intensive Care Unit (ICU)
      Worsening conditions may require critical care in the specialised hospital ward.
      As Charged
    • Hospital Services and Supplies
      Charges for the sterilised bandages, intravenous drips, blood packs and other services while hospitalised.
      As Charged
    • Surgical Fees
      How much your medical card covers for surgical procedures, minor and major.
      As Charged
    • Anaesthetist Fees
      Some surgeries require the use of anaesthetic drugs to put you to sleep before the procedure.
      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 up to 2 visits per day
    • Post-Hospitalisation Treatment
      This covers your follow up treatment after your discharge from hospital or day care surgery.
      As Charged within 90 days after discharge
    • Prescription Drugs
      For all the medicine and antibiotics prescribed by your doctor.
      As Charged
    • Outpatient Kidney Dialysis Treatment
      Charges covered for consultation, examination tests and prescribed drugs if you are diagnosed with kidney failure.
      As Charged
    • Outpatient Cancer Treatment
      Charges covered for consultation, examination tests and prescribed drugs if you are diagnosed with cancer.
      As Charged
    • Day Surgery
      For surgical procedures that do not require you to spend the night in a hospital bed.
      As Charged
    • Emergency Accidental Outpatient Treatment
      Cover for emergency outpatient treatment and follow up due to an accident.
      up to RM4000 per year
    • Ambulance Fees
      Charges for local ambulance services to and from the hospital.
      As Charged
    • Home Nursing Care
      How much you're allowed to claim for care from a government-licensed nurse at your home.
      As Charged up to 180 days per lifetime
    • Medical Report Fee
      Charges for medical report for diagnostic tests, treatment and surgery.
      As Charged Up to a maximum of RM150 per admission for In-Patient treatment or per Disability for Out-Patient treatment.
    • Traditional Medical Treatment
      Charges for treatments such as chiropractic, chiropody, homeopathy, osteopathy and acupuncture after discharge from hospital.
      from RM100 up to RM400limit per visit, within 30 days following discharge.
View more coverage details +


How much your premiums may cost

  • Budget Planner

    Alif just turned 30 and is looking for a comprehensive medical protection plan that comes with good coverage options and also an affordable monthly premium. Plan 150 is his first choice.

    Suggested PremiumRM382.32
    Get Quote
  • Assembly Line Worker

    Kelly, age 40 years has seen the effects of diabetes and wants to protect herself against them with comprehensive coverage and affordable monthly premium with Plan 150.

    Suggested PremiumRM420.74
    Get Quote
  • School Teacher

    Lee is 50 years of age and needs a renewable plan with great perks and regular medical check ups, not to mention a monthly premium rate that he can sustain. He's opted for Plan 150.

    Suggested PremiumRM626.30
    Get Quote

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

Suggested Premium is inclusive of 6% GST

How to Claim

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)
  • Review
  • Original Tax Invoice(s)
  • Original Official Receipts(s)
  • Diagnostic Report/ Test Result/ Copy of Referral Letter
  • E-Payment Authorization Form
Medical Assistance Hotline & Services
Allianz Customer Care Hotline

Panel Hospitals

Find a hospital or clinic near you!


Am I eligible to apply for this insurance?

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

Frequently Asked Questions about Allianz Diabetic Essential

Things you might want to know

What is Allianz Diabetic Essential?

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

What am I covered against?

Similar to other medical insurance plans, Allianz Diabetic Essential 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 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 do I get?

Allianz Diabetic Essential 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 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 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 plan?

Anyone at the age of 30 and above can pick up this medical plan, 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 plan is open to both male and female Malaysian Citizens, who have Type 2 Diabetes.

How do the premiums work?

Your premium rate will be based on several factors, including your age, gender, medical conditions, your occupational class and the 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.

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