Hong Leong Assurance

Underwritten by Hong Leong Assurance Berhad

Hong Leong Assurance Major Medi Medical Card

You need not worry about hospitalisation or surgery costs with Hong Leong Assurance. Find financial security with free hospital admissions and 24-hour worldwide coverage.

    • Deductible Up To RM15000
    • Hospital Accommodation Up To 120 Days
    • 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 RM75000 up to RM240000
  • Lifetime Limit
    Know your lifetime limit, your medical card expires if you reached this amount.
    from RM300000 up to RM1200000
  • 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 RM150 up to RM400per disability
    • 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
    • Diagnostic and Physiotherapy Procedures
      What's covered when diagnosing your condition and to get your back on your feet again.
      As Charged
    • Post-Hospitalisation Treatment
      This covers your follow up treatment after your discharge from hospital or day care surgery.
      As Charged within 60 days after discharge
    • Outpatient Kidney Dialysis Treatment
      Charges covered for consultation, examination tests and prescribed drugs if you are diagnosed with kidney failure.
      As Charged
    • Outpatient Cancer Treatment
      Charges covered for consultation, examination tests and prescribed drugs if you are diagnosed with cancer.
      As Charged
    • 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.
      As Charged
    • Day Surgery
      For surgical procedures that do not require you to spend the night in a hospital bed.
      As Charged
    • Emergency Accidental Outpatient Treatment
      Cover for emergency outpatient treatment and follow up due to an accident.
      As Charged within 30 days from date of accident
    • Medical Evacuation and Repatriation
      Amount covered for treatment requiring medical evacuation or repatriation to Malaysia.
      from RM150000
    • 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
    • Cash Allowance at Government Hospital
      Daily lump sum cash benefits for patients who spend the night at a government hospital.
      from RM50 up to RM200per day
    • Hospitalisation Allowance Due To Road Accidents
      Extra cash in case you're admitted to a hospital because of a road accident.
      from RM150 up to RM400up to 150 days per any one disability
    • Home Nursing Care
      How much you're allowed to claim for care from a government-licensed nurse at your home.
      from RM40 up to RM100up to 180 days per lifetime
View more coverage details +


How much your premiums may cost

  • Budget Planner

    Mr. Foo is turning 30 soon. He's looking for a budget basic medical plan. 

    Suggested PremiumRM294.00
    Get Quote
  • School Teacher

    Encik Abdul Aba is in his mid-40. He wants a comprehensive Hong Leong Assurance medical card.

    Suggested PremiumRM435.00
    Get Quote
  • Homemaker

    Madam Kuan is a housewife who just turned 50, he wants the most coverage medical card.

    Suggested PremiumRM968.00
    Get Quote

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

How to Claim

Asia Assistance Network (M) Sdh Bhd is the dedicated team to handle Hong Leong Assurance medical card. You can contact them via the following phone numbers.

  • 03-7628 3998 (Hospitalization)
  • 03-7628 3799 (Emergency Medical Evacuation - Domestic and International Assistance)
Medical Assistance Hotline & Services
24-hour assistance via Managed Care Organization
Hong Leong Assurance Customer Care Hotline


Am I eligible to apply for this insurance?

Minimum Entry Age
At least 1 month of age
Maximum Entry Age
At most 70 years of age
Maximum Renewal Age
At most 100 years of age

Frequently Asked Questions about Hong Leong Assurance Major Medi Medical Card

Things you might want to know

If you think that being covered under your company or employer’s insurance plan is sufficient, you might want to think again. Those who have experienced major surgery will tell you that the coverage given by your employer may not be enough, no thanks to escalating medical costs. A lot of patients suffering from illnesses or in need of major surgery find themselves in financial trouble after realising that the hospital bills are more than what they are able to claim from their employers.

What is the product all about?

Hong Leong Assurance Major Medi helps you to manage the additional expenses required in case of an emergency. This insurance policy is developed to assist you to pay additional medical costs that your own savings or benefits provided by your employer are insufficient to cover.
This policy is available as a traditional standalone plan, or as a rider on top of a basic whole life insurance policy.

What are the benefits of this medical insurance?

HLA Major Medi is a comprehensive Hospital and Surgical Insurance plan that offers you range of attractive benefits. You have 4 tiers to choose from and the premiums are charged based on your age.

Who is eligible to purchase this insurance policy?

Any Malaysian who is in good health and aged between 1 month and 70 years is eligible to be covered under this policy. You may renew your policy until you’re 99 years old. That being said, all applications are subject to underwriting approval, so it’s not guaranteed.

After signing up, would I be covered immediately?

Once your insurance policy has been approved, your coverage will begin immediately for Hopitalisation and Surgery caused by accidents. For all other causes, it will only start 30 days after the policy issued date.

What if I decide to change my mind after purchasing? Can I get a refund?

If the policy has been issued and for any reason you decide to change your mind and not continue with the policy, you may return the policy to Hong Leong Assurance within 15 days from the date of delivery of the policy. You will be entitled to the refund of the full premium and applicable taxes paid, minus any medical expenses incurred during the issuance of your policy.

What will not be covered under this insurance policy?

This policy will not cover any pre-existing illnesses, or any illnesses that occurs within the first 120 days of the coverage.

Besides that, surgeries that are cosmetic in nature, purchases of a prosthetic or artificial limbs, dental treatments, private nursing, sexually transmitted diseases (STD), pregnancy, childbirth and even erectile dysfunction are not covered.

Apart from that, as with any other health insurance, suicide is not covered.

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