Kurnia MediGUARD Family Medical Card

The protection of your family should come first. So give them the best with Kurnia's MediGUARD Family, specially designed to shield you against rising medical costs.

Kurnia MediGUARD Family Medical Card
Annual Limit
up to RM150k
Lifetime Limit
up to RM600k
Room & Board
up to RM600
Coverage Age
30 days - 85 years
Investment-Linked Plan
No

Coverage

How much you can claim for hospital bills

Annual Limit
from RM70k up to RM150kbased on the chosen plan
Lifetime Limit
from RM280k up to RM600kbased on the chosen plan
Pre-Hospitalisation Diagnostic Tests
As charged includes specialist consultation, 31 days prior to admission
Room & Board
from RM150 up to RM600per day, max up to 365 days, based on the chosen plan
Surgical Fees
As charged includes post-surgery care up to 60 days from the date of surgery
Second Medical Opinion
from RM100 up to RM300based on the chosen plan
Intensive Care Unit (ICU)
As charged per day, max up to 20 days
Hospital Services and Supplies
As charged 
Anaesthetist Fees
As charged 
Operating Theatre Fees
As charged 
In-Hospital Physician Visits
As charged per day, max up to 365 days for 2 visits per day
Post-Hospitalisation Treatment
As charged within 60 days after discharge
Prescription Drugs
As charged within 365 days during hospitalisation and 60 days after discharge
Outpatient Kidney Dialysis Treatment
from RM20k up to RM60kannual outpatient benefit, based on the chosen plan
Outpatient Cancer Treatment
from RM20k up to RM60kannual outpatient benefit, based on the chosen plan
Physiotherapy
As charged outpatient benefit, within 60 days from discharge
Organ Transplant
As charged extended benefit, per lifetime limit
Accidental Death
from RM10k up to RM35kbased on the chosen plan
Emergency Dental Treatment
As charged emergency outpatient benefit, within 24 hours and follow-up within 31 days
Ambulance Fees
As charged 
Cash Allowance at Government Hospital
from RM50 up to RM100up to 365 days, based on the chosen plan
Insured Child Guardian Benefit
RM50 coverage for all plans, up to 365 days, for children below 15 years old
Home Nursing Care
from RM5k up to RM10kbased on the chosen plan
Medical Report Fee
RM50 coverage for all plans
Aids Compensation
from RM5k up to RM10kper lifetime limit, based on the chosen plan
Permanent Total Disablement
from RM10k up to RM35kdue to accidental injury, based on the chosen plan

Features

Additional benefits with this insurance

Refund
15 days cancellation refund
Hospital Accommodation
Up to 365 days
Family discount
Up to 10%

How to Claim

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

Medical Assistance Hotline & Services
Kurnia Customer Care Hotline

Call the 24-hour Liberty General Call Centre at 03-22632355 to request the location of the nearest Liberty General panel hospitals.

  • Present your Medical Card at the admission counter.
  • If the policy is in force and the condition is covered, a Guaranteed Letter will be sent. If not, a Letter of Decline will be issued.
  • If successful, you may be required to pay a deposit, based on hospital requirements, before admission.
  • For discharge processing, the Panel Hospital will prepare the Discharge Documentation to be processed by Liberty General Medical Insurance Department. A Payment Advice will be produced.
  • You will be discharged upon settling incidentals or non-covered expenses.

If you are admitted to a non-Liberty General panel hospital, you are required to follow the reimbursement claim procedures as follows.

  • If you choose to be admitted to a non-Liberty General Panel Hospital under Reimbursement Claims Procedures, you will need to send us a written notification within 30 days of admission.
  • Complete Claims Documentation must be submitted within 30 days from the discharge date, consisting of:
    • Other Relevant Claims Documents
    • Completed Physician's Medical Report
    • Complete Claim Form
    • Original Itemized Bills & Receipts
    • For covered conditions, an offer letter and claims payment will be sent. Sometimes, a discharge voucher will be issued first on the amount payable without claims payment, if deemed necessary. Liberty General will only proceed to issue claims payment upon receipt of the signed discharge voucher.

Requirements

Minimum Entry Age
At least 30 days of age
Maximum Entry Age
At most 65 years of age
Coverage Expiry Age
At most 85 years of age

More Information

What is Kurnia MediGUARD Family Medical Card about?

Kurnia MediGUARD Family is a series of medical insurance plans offered by Kurnia Insurance Berhad. 

The medical card scheme is made to encompass your whole family, with better coverage and more affordable premiums.

This Kurnia insurance comes with 6 plans to choose from, therefore you will be able to pick protection that both works for you and your family as well as adhere to your financial situation or budget.

How much does the medical insurance cost?

Well, that is a matter entirely up to you. 

This particular policy comes with 6 different medical insurance plans to choose from so there is a wide medical insurance premium selection. However, it also comes with a couple of other external options.

You can choose to get a plan with or without a medical card, this will raise the premiums slightly as it affects how fast you get admitted at a Liberty General Panel Hospital. 

There is also the option of taking up a policy that comes with both a medical card for easy admission, as well as outpatient clinical benefits. 

This is optional as well, but then again you might need to have outpatient care such as cancer treatment, and kidney dialysis.

Most of the Kurnia insurance premium rates are not guaranteed and also change based on your age, therefore it is best for you to discuss this with the insurance agent that will adjust the plan to meet your needs. 

On that note, since this is a family-centered plan, if you have 2 or more family members subscribed to it, then you will get a 10% discount on your premiums.

Who can apply for this Kurnia insurance?

Anyone over the legal age, and has the financial backing to purchase this Kurnia insurance can pick it up at any time. 

The enrollment age for children you would like to include in this family insurance plan must be over 30 days old, and they can be covered up to the age of 19 years old. 

However, if your child is still a full-time student, the age band will be extended to 23 for coverage.

On the other hand, the maximum entry age for this plan is 65 years old, but if you have already purchased the medical card before you turned 61 then you can continue to renew it till your 85th birthday.

Kurnia MediGUARD Family Medical Card cancellation

There are many reasons for you not to cancel your Kurnia insurance, especially when you will get a tax relief of up to RM3,000 when you have this plan, but alas the decision is yours to make. 

There is a 15-day cooling period from the time you receive the Kurnia MediGUARD Family Medical Card policy which you can decide to cancel or keep the policy. 

If you so decide to cancel the medical card, you will be refunded for any premiums paid at that point. 

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