Etiqa e-Medical Pass Insurance

Etiqa e-Medical Pass Insurance gives you peace of mind with unlimited lifetime coverage. Apply online without medical check-up and enjoy cashless hospital admission.

Etiqa e-Medical Pass Insurance
Annual Limit
up to RM150k
Lifetime Limit
No limit
Room & Board
up to RM300
Coverage Age
18 years - 80 years
No. of Panel Hospitals
Investment-Linked Plan


How much you can claim for hospital bills

Annual Limit
from RM50k up to RM150k
Lifetime Limit
No limit
Pre-Hospitalisation Diagnostic Tests
As charged within 60 days before hospitalisation
Room & Board
from RM150 up to RM300unlimited days of hospitalisation
Surgical Fees
As charged 
Pre-Hospitalisation Consultation
As charged within 60 days before hospitalisation
Intensive Care Unit (ICU)
As charged unlimited days of hospitalisation
Hospital Services and Supplies
As charged 
Day Care Surgery
As charged 
Anaesthetist Fees
As charged 
Operating Theatre Fees
As charged 
In-Hospital Physician Visits
As charged up to 2 visits per day
Hospital Specialist Fees
As charged up to 2 visits per day
Post-Hospitalisation Treatment
As charged within 90 days after discharge
Outpatient Kidney Dialysis Treatment
As charged 
Outpatient Cancer Treatment
As charged 
Emergency Accidental Outpatient Treatment
As charged 
Ambulance Fees
As charged 


Additional benefits with this insurance

Up to RM5,000
15 days cancellation refund

How to Claim

Who do I contact if I have a question or emergency?

Medical Assistance Hotline & Services
Etiqa Customer Care Hotline

Here's how you can claim for In-patient & Day Care Surgery Benefits:

  • If you choose to visit a panel hospital
    Present your ID and inform the hospital you are covered with Etiqa. The eligible hospital expenses will be paid by Etiqa, subject to the annual limit of the plan you signed up. For plan with deductible, you will need to pay for the expenses up to the deductible amount per admission while the remaining eligible expenses are covered by Etiqa.
  • If you choose to visit a non-panel hospital 
    You are required to pay for the hospitalisation expenses upon discharged. Submit the necessary documents to Etiqa for reimbursement of the eligible hospitalisation expenses within 30 days from the discharge date. 

Here's how you can claim for Out-patient Benefits:

You are required to pay for the Out-patient expenses. Submit the necessary documents to Etiqa for reimbursement of the eligible Out-patient expenses within 30 days from the discharge date.

For more information and a list of Panel Hospitals, download the claim guide.

Should you have questions, you can email Etiqa at [email protected] or call 1-300-13-8888.


Minimum Entry Age
At least 18 years of age
Maximum Entry Age
At most 55 years of age
Maximum Renewal Age
At most 79 years of age
Coverage Expiry Age
At most 80 years of age

More Information

Etiqa e-Medical Pass Insurance, Affordable Online Medical Card

Etiqa e-Medical Pass Insurance is affordable medical insurance with no lifetime limit that you can apply online. 

Anyone from the age of 18 to 55 years old can get this insurance and be protected up to the age of 80 years old.

Key benefits of this Etiqa medical card

1. No Medical Check-up Required
You don't need to undergo a medical check-up when applying for Etiqa e-Medical Pass Insurance. Enjoy easy and fast online application!

2. Unlimited Lifetime Cover
This Etiqa medical card gives you peace of mind with unlimited lifetime cover, meaning you can make unlimited medical claims during your lifetime.
However, you still need to pay attention to the annual limit of your policy. 

3. Cashless Hospitalisation
Etiqa will take care of your hospital bill so you don't have to bear the cost at your own expense and have a smooth admission.
Use the Etiqa Healthcare App to find the nearest panel hospital and show your Etiqa medical card. The team is ready to assist you 24/7 to provide the guarantee letter. 

Deductible options

You may choose from the three deductible options available for a lower premium:

OptionDeductible Amount
Option 1RM1,000
Option 2RM3,000
Option 3RM5,000

Should you opt for a deductible insurance plan, you will bear each hospitalisation expenses according to the option you choose.

For example, you opt for Option 1. If the hospitalisation bill is RM10,000, you will pay RM1,000 and Etiqa will cover the RM9,000.

I'm a foreigner, can I apply for this medical insurance?

Unfortunately, only Malaysians can apply for this medical insurance.

Can I cancel my Etiqa e-Medical Pass Insurance policy?

Yes, you may cancel your Etiqa e-Medical Pass Insurance policy within 15 days after you have received the policy. 

If the cancellation is done after the 15-day period, no refund will be made.

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