Berjaya Sompo

Underwritten by Berjaya Sompo Insurance Berhad

Berjaya Sompo HealthNet Premier

A health plan that helps you with hassle free admissions at hospitals nationwide. Added benefits include second surgical opinion, and overseas inpatient treatment.

    • Hospital Accommodation Up To 150 Days
    • Family Discount Starting At 10%
    • 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 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
View more coverage details +


How much your premiums may cost

  • Budget Planner

    Finances are tight for Jake who just turned 21. For now he can only afford a basic medical card.

    Suggested PremiumRM371.00
    Get Quote
  • Young Entrepreneur

    Wei Wern is only 35, but she's got a successful business up and going. She's ready to pay for a premium health insurance policy.

    Suggested PremiumRM1166.00
    Get Quote
  • Retiree

    At age 50, health is a priority for Hassan. His premiums are costly even through he's getting a regular plan because of his age.

    Suggested PremiumRM1187.00
    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

In most cases, a simple swipe of your Berjaya Sompo HealthNet Premier medical card at any panel hospital is all that you need. Some treatments however may require that you submit a claim to the insurer before your payments can be processed. Here's what you need to do:

  • Notify Berjaya Sompo within 30 days of any disability.

You can either fill up the Online Enquiry Form or send an email to [email protected]. Don't forget to provide your policy number and full name as stated in the agreement.

  • Prepare your documents.

1. Berjaya Sompo Claim Form - Section II to be filled by your doctor

2.Original bills and receipts

3. Medical report

4. Other relevant supporting documents

  • Submit your documents. 

Once Berjaya Sompo's customer service representative gets in touch, you'll be informed as to which address to submit your documents to. 

Alternatively you can reach their hotline at 1800 889 933 for calls in Malaysia.

Berjaya Sompo 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 55 years of age
Maximum Renewal Age
At most 76 years of age
Coverage Expiry Age
At most 76 years of age

Frequently Asked Questions about Berjaya Sompo HealthNet Premier

Things you might want to know

What is the Berjaya Sompo HealthNet Premier about?

This is a comprehensive medical insurance plan from Berjaya Sompo which provides financial help for hospitalisation and surgical fees due to an accident or serious illness.

Get hassle-free admission to panel hospitals all over Malaysia with 24-hour assistance from Berjaya Sompo. Pay affordable insurance premiums every year to give you and your family complete peace of mind!

So what makes this Berjaya Sompo health insurance stand out?

If you have a spouse and kids you'd definitely want to check out the Berjaya Sompo HealthNet Premier. Why? That's because you get 10% premium discount when a family of four is covered under this insurance coverage plan.

Who can apply for this medical insurance plan?

Any Malaysian aged between 19 to 55 are encouraged to sign up. You can renew with Berjaya Sompo until you reach the age of 76. 

If you have children under your care, you can insure them as well as long as they're at least 30 days old but under 19 years old, up til the age of 23 for those registered full time students at a recognised university or college in Malaysia.

How much premium do I have to pay?

Your yearly premium is based on your age and chosen plan, subject to underwriting requirements by Berjaya Sompo. As mentioned, families are also eligible for a 10% discounts - got a wife or husband and 3 beautiful children? Go ahead and buy this policy!

How long am I covered for and can I renew?

Your insurance policy will become effective on the date stated in the schedule and it will expire exactly one year from that date. Can you renew? Of course you can, but you may pay a higher premium at renewal.

Don't worry, it won't be a surprise - a notice of 30 days will be given should your premium increase. Factors contributing to the increase of renewal premium are your age and your claim experience.

Are pre-existing illnesses covered with the Berjaya Sompo HealthNet Premier?

Pre-existing illnesses that you suffer from before the effective date of your insurance policy, unfortunately cannot be covered. 

There's more - you won't be covered for specified illnesses occurring during the first 120 days of continuous cover. Any medical or physical conditions arising within the first 30 days of your cover or reinstatement date unless due to accidental injuries.

How do I submit a claim to Berjaya Sompo?

Easy, but you cannot take your sweet time - you must notify Berjaya Sompo within 30 days of any occurrences and submitting the claim form, medical report, original itemised bills, receipts and other relevant claims documents.

Read More