Allianz

Underwritten by Allianz Life Insurance Malaysia Berhad

Allianz MediEssential

Healthcare is one of the most essential needs that the people of today have trouble attaining, but with a healthcare policy that comes with a wide range of plans to choose from, budget is no longer an issue.

    • Deductible Up To RM300
    • Hospital Accommodation Up To 150 Days
    • 15-Day Cancellation Refund

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 RM85000 up to RM250000
  • Lifetime Limit
    Know your lifetime limit, your medical card expires if you reached this amount.
    from RM850000 up to RM2500000
  • Pre-Hospitalisation Diagnostic Tests
    This covers the costs incurred for diagnostic X-ray, laboratory examination and scans.
    Not Covered
  • Room & Board
    For the days that you spend in a hospital room instead of your own bed.
    from RM150 up to RM500up to 150 days a 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
    • 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
    • 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 max 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 60 days after discharge
    • 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
    • Emergency Accidental Outpatient Treatment
      Cover for emergency outpatient treatment and follow up due to an accident.
      from RM1500 up to RM5500within 30 days from date of accident
    • Ambulance Fees
      Charges for local ambulance services to and from the hospital.
      As Charged
    • Hospital Cash Benefit
      Daily allowance for patients that are admitted to the hospital.
      from RM75 up to RM300per day u to 30 days
View more coverage details +

Premiums

How much your premiums may cost

  • Fresh Graduate

    Tia is 23 and new to the work force, she needs a basic insurance plan to ensure her medical needs if necessary. 

    Suggested PremiumRM300.00
    Get Quote
  • Assembly Line Worker

    Ren is a 30 year old in between jobs but still want to have comprehensive coverage.

    Suggested PremiumRM200.00
    Get Quote
  • Business Traveller

    Jay spends alot of time travelling Malaysia for work and need a medical insurance that will work anywhere in the country.

    Suggested PremiumRM400.00
    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.

How to Claim

To make a claim for this product you will need your Medical Insurance details and medical card. If you are a medical card holder simply present your card at the hospital registration counter and let Allianz handle the rest. If however you an alternative case, you will need to have downloaded a claim form. 

Fill in your claim form and be sure to attach a Medical Report, of 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, Human Resource Department, 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

As an added note, you can get all your documents certified by either your HR Department, Advocates and Solicitors, Allianz Branch Staff, or Bank Officers (for MRTA claims)

Allianz Customer Care Hotline
 1300881028

Requirements

Am I eligible to apply for this insurance?

Maximum Renewal Age
At most 91 years of age

Frequently Asked Questions about Allianz MediEssential

Things you might want to know

So what exactly is the Allianz MediEssential?

The simple truth is that this is a medical insurance policy offered by Allianz Life Insurance. It is a comprehensive medical security plan that will allow you some peace of mind in your day to day life, that if and when the need arises you will have medical coverage.

Not only that Allianz MediEssential is intended to be your financial footing amidst the array of exorbitant medical bills that we sometimes find ourselves among.

How much does it cover really?

Well it will take care of all hospital related bills, such as room and board, the use of hospital equipment and supplies, Intensive care services, surgical fees and physician visits. It will also look after any medical related charge such as your surgery and medications involved, as well as transportation and post-hospitalization care, should you need it.

The policy also looks out for you if you have and require treatment, if you are in need or regular kidney dialysis and to a certain degree home nursing. Of course, there is some restriction when it comes to certain types of coverage, usually pertaining to how much you are covered for. For example, room and board rates, if you would like to upgrade your room, you can choose to do that. You will still be covered for the amount promised, but will just have to pay the difference.

Are there any other benefits?

One of the greatest benefits of this plan is that you will have a choice between 7 different insurance plans. Each plan comes with different rates, coverage, and annual limits, because of that you get to decide how much you want to be covered for as well as how much premium you want to pay.

This way, if you are living on a budget and want lower premiums, simply look at the plan and select the one that works best for you.

What if I decided I don’t want the plan?

There is a 15-day cooling period from the date you receive the policy, in which you can decide if you want to keep the policy. Should you choose not to, this is the time for you to make your cancellation and you will be refunded any premiums you might have paid. Alternatively, the same rules apply in the cooling period after every renewal.

Read More