Allianz Diabetic Essential

Coverage

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.