What is MediSafe Infinite+?
MediSafe Infinite is a comprehensive medical insurance plan that you can trust to give you the coverage you will need. You can get this plan by itself or have it attached to Allianz PowerLink, an investment-linked insurance plan that allows you to consolidate your health and life protection needs under one policy.
How it works is: sign up for Allianz PowerLink, then include MediSafe Infinite+ as a rider, and voilà you have a whole new policy with ONE premium.
What are the perks?
One of the perks that comes with MediSafe Infinite+ is that you have NO lifetime limit. You will also have access to a high overall annual limit with this policy.
Once you purchase this policy, you will get a medical card for hassle-free admissions. Simply present your card at any panel hospital and let Allianz’s Managed Care Organisation do the rest. There is an extensive list of panel hospitals that you can check out to find the one closest to you.
During your hospitalisation, your loved ones will be able to request a lodger bed to be placed in your room so that they can care for you overnight. All lodger expenses will be reimbursed up to the lodger benefit daily limit based on your chosen plan.
Another perk that you might want to take note of is the no claim bonus. For every 3 years that you do not make a claim, you'll earn a 10% increase to the hospital room and board covers.
No claim benefits include no claim refund:
|No Claim Period||No Claim Refund|
|1 consecutive Policy Year||10%|
|2 consecutive Policy Year||15%|
|3 or more consecutive Policy Years||20%|
No Claim Refund - % of Cost of Insurance Paid which does not include Managed Care Fee of Preceding Policy Year
What does the policy cover?
Like most, this policy covers eligible expenses incurred for hospitalisation, surgery and outpatient treatment. You'll allowed to claim for pre- and post- hospitalisation medical bills.
This policy also comes with selected outpatient care benefit which includes kidney dialysis and if you come down with dengue or typhoid fever. On top of that, you will also get reimbursement for alternative treatments and a second medical opinion should you need them.
Medisafe Infinite+ has additionally extended their outpatient cancer coverage to include new treatments such as targeted therapy, hormonal therapy and immunotherapy. With the extended cancer coverage, you will gain access to genomic testing for cancer which will help doctors identify treatments most suitable for you.
If you get the plan with Allianz PowerLink, you will also have life protection coverage along other additional coverage plans depending on the riders you select.
Is there a value added service?
Yes - the Global Expert Medical Opinion gives you, the Life Assured access to top experts from around the world to facilitate medical decision making. A licensed doctor will be assigned to conduct a thorough clinical conversation, collect all available medical information and identify top expert to provide independent assessment.
You can contact Allianz to utilise this value added service.
How do premiums work?
MediSafe Infinite+ comes with 7 plans for you to choose from, making it available for everyone who needs medical coverage. This way you can decide how much you want to be covered for and the premiums that you are willing to pay.
Your premium will be based on individual factors such as age and gender. This plan gives you the freedom to customise your coverage and premium to suit your protection needs and budget. So even when you have it attached with Allianz PowerLink plan you still only have to pay one premium.
What are deductible options?
Other than zero deductible plan, you have the flexibility to choose from 3 deductible levels with Retirement Option at 60 years old.
- Level 1: RM5,000
- Level 2: RM10,000
- Level 3: RM30,000
Plans with deductible can be utilised as an additional layer of protection on top of the coverage provided by existing insurance coverage. It also provides you up to 70% savings on the Cost of Insurance.
Who can apply for this policy?
One of the perks of MediSafe Infinite+ is that it has a high entry age, where you can apply for the policy as young as 15 days old, up to 70 years old. Please note that if you choose to go with Retirement Option at 60 years old, the maximum entry age is 59 years old. Enjoy guaranteed renewable coverage term until the maximum age of 100 years.
Additionally if you are a mother-to-be, you can gift your preborn child an early protection from 14 weeks to 35 weeks into the pregnancy with similar guaranteed renewable coverage term up to 100 years old.