Kurnia

Underwritten by Kurnia Insurance

Kurnia MediGUARD Express

Have easy admission to Kurnia panel hospitals and clinics without the need for a deposit or co-insurance! Adults aged up to 65 years old are eligible to apply .

    • Hospital Accommodation Up To 150 Days
    • 15-Day Cancellation Refund

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.
    RM20000
  • Lifetime Limit
    Know your lifetime limit, your medical card expires if you reached this amount.
    Not Applicable
  • Diagnostic Tests
    This covers the costs for X-rays, blood tests, and MRI scans when your symptoms are being diagnosed.
    As Charged
  • Room & Board
    For the nights that you spend in a hospital room instead of your own bed.
    from RM60 per day
    • Specialist Consultation
      When your doctor recommends that you get the expert opinion of a specialist.
      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
    • Surgeon Fees
      How much your medical card covers for surgical procedures, minor and major.
      from RM6000
    • Anesthetist 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
    • Post Hospitalisation Treatment
      To help you recuperate after you've been discharged from the hospital.
      As Charged
    • Prescription Drugs
      For all the medicine and antibiotics prescribed by your doctor.
      As Charged
    • Outpatient Kidney Dialysis Treatment
      How much your insurer will cover for dialysis if you suffer kidney failure.
      from RM10000 per year
    • Outpatient Cancer Treatment
      Inclusive of costs for chemotherapy and other treatments if you are diagnosed with cancer.
      from RM10000 per year
    • Organ Transplant
      Cost insured if you get an organ tranplant and surgery charges.
      from RM50 per day
    • Accidental Injury and Medical Treatment
      Cover for emergency outpatient treatment due to an accident.
      As Charged
    • accidentalDeath
      Coverage benefit for family if policyholder passes away due to an accident.
      from RM10000
    • Ambulance Fees
      Charges for ambulance ride to the hospital and paramedic support.
      As Charged
    • Insured Child Guardian Benefit
      Reimbursement of expenses for parents or guardians of children who are admitted into the hospital ward.
      from RM50 per day
    • Home Nursing Care
      How much you're allowed to claim for home nursing care due to sickness or injury.
      from RM5000
    • 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 RM50
    • Aids Compensation
      Cash compensation for contraction of the HIV virus from blood transfusions.
      from RM5000
View more coverage details +

Premiums

How much your premiums may cost

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

    Suggested Premium is inclusive of 6% GST

    How to Claim

    Kurnia Customer Care Hotline
     1800883833

    Panel Hospitals

    Find a hospital or clinic near you!

    Requirements

    Am I eligible to apply for this insurance?

    Minimum Entry Age
    At least 30 days of age
    Maximum Entry Age
    At most 65 years of age
    Maximum Renewal Age
    At most 70 years of age