Berjaya Sompo

Underwritten by Berjaya Sompo Insurance Berhad

Berjaya Sompo B-Health Major

Full reimbursement up to the overall annual limit, with choice of deductibles, giving you the freedom to determine the amount of coverage you get. Additional outpatient benefits included.

    • Deductible Up To RM10000
    • 15-Day Cancellation Refund
View product disclosure sheet.


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 RM100000
  • Lifetime Limit
    Know your lifetime limit, your medical card expires if you reached this amount.
    from RM150000 up to RM500000
  • Pre-Hospitalisation Diagnostic Tests
    This covers the costs incurred for diagnostic X-ray, laboratory examination and scans.
    As Charged
  • Room & Board
    For the days that you spend in a hospital room instead of your own bed.
    from RM80 up to RM400per day
    • Pre-Hospitalisation Consultation
      What's covered for medical consultation prior to hospitalisation or day care.
      As Charged
    • 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 max 1 visit per day
    • Post-Hospitalisation Treatment
      This covers your follow up treatment after your discharge from hospital or day care surgery.
      As Charged non-Surgical, within 31 days from discharge
    • 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 within 90 days from discharge
    • Organ Transplant
      Cost insured if you get an organ tranplant and surgery charges.
      As Charged once per lifetime
    • Emergency Accidental Outpatient Treatment
      Cover for emergency outpatient treatment and follow up due to an accident.
      As Charged
    • Emergency Dental Treatment
      Emergency benefit for dental-related surgery and treatment due to accident.
      As Charged
    • 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 each day, up to 60 days per condition
View more coverage details +


How much your premiums may cost

  • Fresh Graduate

    In her 20s, young and hardworking, Siti has got her eyes set on big things in life. But for now she's content to get a basic medical card within her budget. 

    Suggested PremiumRM176.00
    Get Quote
  • Office Admin

    Kavitha couldn't afford a healthcare policy before. Now that she's turned 36 she's not gonna take any chances, she's looking for something in the midrange.

    Suggested PremiumRM371.00
    Get Quote
  • VIP

    He's enjoyed success for most of his life. Reaching his mid-forties made David realise shouldn't be thrifty when it comes to his health so he's getting the best policy available.

    Suggested PremiumRM610.00
    Get Quote

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

How to Claim

With Berjaya Sompo B-Health Major you won't have to worry about tedious processes. Just present your medical card when registering at any panel hospital, fill up a form and you're good to go!

For certain treatments however, Berjaya Sompo may require that you submit a claim before they can release payments. Here's what you need to do.

  • Send a claims notification within 30 days of a disability. Use Berjaya Sompo's Online Enquiry/Feedback Form for convenience.
  • Download the Hospital And Surgical Insurance Claim Form here. Complete the form and get your attending physician to fill up Section II.
  • Together with your claim form, compile the medical report & original bills and receipts for your treatment.
  • Once your hear back from Berjaya Sompo, you can submit your documents to the address provided.

If you'd like to follow up on your claim or speak to a Berjaya Sompo customer service representative, you can contact their hotline - 1800 889 933.

Berjaya Sompo Customer Care Hotline


Am I eligible to apply for this insurance?

Minimum Entry Age
At least 1 year of age
Maximum Entry Age
At most 55 years of age
Maximum Renewal Age
At most 70 years of age
Coverage Expiry Age
At most 70 years of age

Frequently Asked Questions about Berjaya Sompo B-Health Major

Things you might want to know

What is Berjaya Sompo B-Health Major all about?

This is a comprehensive standalone medical insurance plan - there's no real need to attach this to a general life insurance policy. Unlike many other policies, Berjaya Sompo B-Heath Major does not require you to take a health check-up before signing up.

Have beyond basic coverage against critical illnesses and diseases. You're also free to choose your deductible or co-insurance option if you'd like to have lower premium payments.

How are my premiums determined?

The premiums you pay will depend on your age, occupation class, and the B-Health Major plan that you choose. You premiums can range from below RM200 to above RM400 if you choose to have a higher annual and lifetime limit.

What do I need to pay on top of my premiums?

You will need to pay RM10 stamp duty on your policy in addition to your yearly premium amount.

Who can purchase this medical plan?

If you're a Malaysian aged between 1 to 55 years old, you are most welcomed to apply! For those already coverage by Berjaya Sompo B-Health Major, you can continue to receive protection until you reach 70 years of age.

For children aged 1 to 17, you must be enrolled together with one parent under the same plan.

Can I claim for outpatient treatment?

Yes, outpatient benefit is included in this medical plan. The benefits you stand to receive are cancer and kidney dialysis treatment, organ transplant, physiotherapy treatment, including home nursing care - yes, a qualified nurse will come to your home and take good care of you!

You will even be covered in emergencies involving the need for medical and dental treatment, not something regular medical cards will cover.

How do I submit a claim?

You will have to notify Berjaya Sompo within 30 days of any occurrences and submit the claim form, medical report, original bills, receipts, and relevant claims documents.

Read More