Underwritten by AmMetLife Insurance Berhad

AmMetLife Medic Flexi

Great coverage and choice of plans, allowing you to be admitted to the hospital without the fuss, no deposit required! There's no need for for a medical check-up when renewing your policy.

    • Deductible Up To RM50000
    • 15-Day Cancellation Refund


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 RM30000 up to RM200000
  • Lifetime Limit
    Know your lifetime limit, your medical card expires if you reached this amount.
    from RM150000 up to RM1000000
  • 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 RM100 up to RM300
    • Second Medical Opinion
      In case you'd like the medical opinion of another physician before undergoing treatment.
      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
    • Diagnostic and Physiotherapy Procedures
      What's covered when diagnosing your condition and to get your back on your feet again.
      As Charged
    • Hospital Specialist Fees
      Consultation cost for a hospital specialist that's provided by your health insurance policy.
      As Charged
    • Outpatient Kidney Dialysis Treatment
      Charges covered for consultation, examination tests and prescribed drugs if you are diagnosed with kidney failure.
      from RM15000 up to RM50000
    • Outpatient Cancer Treatment
      Charges covered for consultation, examination tests and prescribed drugs if you are diagnosed with cancer.
      from RM15000 up to RM50000
    • Physiotherapy
      In case you need physiotherapy following injury or sickness, written recommendation from your doctor is required.
      As Charged
    • Organ Transplant
      Cost insured if you get an organ tranplant and surgery charges.
      from RM25000 up to RM100000
    • Emergency Accidental Outpatient Treatment
      Cover for emergency outpatient treatment and follow up due to an accident.
      from RM500 up to RM3000
    • Funeral Benefits
      Cash compensation for funeral expenses if policyholder passes away during cover period.
      from RM5000 up to RM30000
    • Ambulance Fees
      Charges for local ambulance services to and from the hospital.
      As Charged
    • Government Service Tax (GST)
      GST charges for medical costs that are covered by your health insurance plan.
      As Charged
    • Medical Report Fee
      Charges for medical report for diagnostic tests, treatment and surgery.
View more coverage details +


How much your premiums may cost

  • Budget Planner

    Lina is 27 years old. She's on tight budget and she wants a basic medical plan for her future medical coverage.

    Suggested PremiumRM487.00
    Get Quote
  • Homemaker

    Puan Amirah is a housewife in her mid-30. She's looking for a comprehensive medical plan.

    Suggested PremiumRM954.00
    Get Quote
  • Business Traveller

    Encik Amir is a successful businessman in his mid-40. He wants a medical card with the most coverage.

    Suggested PremiumRM1385.00
    Get Quote

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

How to Claim

There are a several ways to make a claim. You can call AmMetLife at 1300 88 8800, write-in or walk-in personally to AmMetLife Head Office or branches within 90 days from the date of loss of all claims. AmMetLife customer service personnel will specify the necessary claim forms and all other requirements to make a claim. 

Generally, these are the necessary documents for the claims.

Hospitalisation Benefits Claims

If you're hospitalised for not more than 3 days, you are required to complete

  • Part I of the Hospitalisation Claim form
  • Original or Certified True Copy of the Discharge Note (issued by the Hospital in which the Life Assured was warded)
  • Part II of the Hospitalisation Claim form (Certificate of Medical Attendant) duly completed by the attending doctor

Accident Claims

  • Part I of the Accident Claim Form
  • Part II of the Accident Claim Form (Certificate of Medical Attendant) duly completed by the attending doctor (the cost of medical report for this claim shall be borne by the Policy Owner)
Medical Assistance Hotline & Services
 1300888800 24-hour Worldwide Protection
AmMetLife Customer Care Hotline


Am I eligible to apply for this insurance?

Minimum Entry Age
At least 30 days of age
Maximum Entry Age
At most 60 years of age
Maximum Renewal Age
At most 80 years of age
Coverage Expiry Age
At most 80 years of age

Frequently Asked Questions about AmMetLife Medic Flexi

Things you might want to know

What is AmMetLife Medic Flexi all about?

AmBank Group and MetLife has come together to present to you the AmMetLife Medic Flexi, a versatile medical insurance policy with 4 great plans for your choosing. Have access to the best hospital in your city for specialist medical advice and care.

When you present your AmMetLife medical card at your preferred hospital, you will be granted free and cashless admissions!

What are the other main benefits of this medical insurance plan?

There are tons of benefits to be had with this comprehensive medical insurance, and at an affordable price too - premiums can go well below RM1 a day, beat the rising cost of medical treatment today!

Other than the basic hospital and surgical related benefits, there's also:

  • 24/7 worldwide coverage
  • High lifetime limit of up to RM1,000,000 for all your hospitalisation needs
  • You can renew your policy until the ripe old age of 80
  • No need to worry about a medical check-up for policy renewal - it's not required!
  • Get covered even it death - Funeral benefits for up to RM10,000
  • Retirement option when you reach 55 years old, for a zero deductible option without further underwriting
  • Allowed to claim for tax relief on your premium payments

Will I get the same protection overseas?

Your medical insurance policy will still be in force overseas, but limited to a few conditions set out below:

  • Your medical claims will be reimbursed according to the official exchange rate at the time of approval
  • You won't be able to claim for cost of transportation to the nearest healthcare provider in the country
  • This one's very important - your overseas treatment must be because of a medical emergency. With that said, any disability diagnosed in Malaysia, including non-urgent or chronic conditions are eligible for overseas treatment.

What are my choice of deductibles?

If you'd like to lower your premium payments and instead bear a portion of the cost of your medical treatment, you can certainly do so.

You can decide to pay the first RM2,000, RM5,000, RM10,000, RM15,000, RM30,000 or RM50,000 of your hospitalisation bills. Alternatively, you can also choose a zero deductible option - AmMetLife will pay for all your medical treatment subject to your annual and lifetime limit.

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