Berjaya Sompo HealthNet Premier

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 RM40000 up to RM120000

• Lifetime Limit

  Know your lifetime limit, your medical card expires if you reached this amount.

  from RM120000 up to RM500000

• Pre-Hospitalisation Diagnostic Tests

  This covers the costs incurred for diagnostic X-ray, laboratory examination and scans.

  As Charged within 60 days before confinement

• Room & Board

  For the days that you spend in a hospital room instead of your own bed.

  from RM100 up to RM500per day, up to 150 days a year

• • Pre-Hospitalisation Consultation

    What's covered for medical consultation prior to hospitalisation or day care.

    As Charged within 60 days before confinement

  • Second Medical Opinion

    In case you'd like the medical opinion of another physician before undergoing treatment.

    from RM500

  • 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.

    from RM15000 up to RM75000

  • Anaesthetist Fees

    Some surgeries require the use of anaesthetic drugs to put you to sleep before the procedure.

    from RM5000 up to RM20000

  • 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 150 days

  • Post-Hospitalisation Treatment

    This covers your follow up treatment after your discharge from hospital or day care surgery.

    As Charged non-surgical, within 60 days from discharge

  • Outpatient Kidney Dialysis Treatment

    Charges covered for consultation, examination tests and prescribed drugs if you are diagnosed with kidney failure.

    from RM108000 up to RM216000per lifetime

  • Outpatient Cancer Treatment

    Charges covered for consultation, examination tests and prescribed drugs if you are diagnosed with cancer.

    from RM36000 up to RM72000per year

  • 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 within 24 hours and follow-up treatment up to 31 days

  • Emergency Dental Treatment

    Emergency benefit for dental-related surgery and treatment due to accident.

    As Charged within 24 hours and follow-up treatment up to 14 days

  • Ambulance Fees

    Charges for local ambulance services to and from the hospital.

    As Charged

  • Cash Allowance at Government Hospital

    Daily lump sum cash benefits for patients who spend the night at a government hospital.

    from RM50 up to RM150per day, up to 150 days a year

  • Insured Child Guardian Benefit

    Reimbursement of expenses for parents or guardians of children who are admitted into the hospital ward.

    from RM75 up to RM300per day, up to 150 days a year

  • Home Nursing Care

    How much you're allowed to claim for care from a government-licensed nurse at your home.

    from RM60 up to RM120each day, up to 60 days per condition

  • Government Service Tax (GST)

    GST charges for medical costs that are covered by your health insurance plan.

  • Medical Report Fee

    Charges for medical report for diagnostic tests, treatment and surgery.

    from RM100

  • Inpatient Treatment For Mental Illness

    Charges for psychiatric help and medication in the hospital.

    from RM2500 per year

  • Surgical Implants

    For orthopedic procedures that include the insertion of pins, rods, screws or plates.

    from RM5000 up to RM20000