Underwritten by AmGeneral Insurance Berhad

Kurnia MediGUARD Family Medical Card

The protection of your family should never hang in the balance, so give them the best with Kurnia's MediGUARD Family, specially designed to encompass you and all your loved ones, and shield you against rising medical costs.

    • Hospital Accommodation Up To 365 Days
    • Family Discount Starting At 10%
    • 15-Day Cancellation Refund

Life's Too Short to Pay the Wrong Insurance. Get Free Consultation Now!

Life's Too Short to Pay the Wrong Insurance. Get Free Consultation Now!

Apply online now for Kurnia MediGUARD Family Medical Card

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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 RM70000 up to RM150000
  • Lifetime Limit
    Know your lifetime limit, your medical card expires if you reached this amount.
    from RM280000 up to RM600000
  • Pre-Hospitalisation Diagnostic Tests
    This covers the costs incurred for diagnostic X-ray, laboratory examination and scans.
    Not Covered
  • Room & Board
    For the days that you spend in a hospital room instead of your own bed.
    from RM150 up to RM600
    • Diagnostic Tests and Specialist Consultation
      Cover for the cost incurred when diagnosing your ailment, including tests and specialist charges.
      As Charged
    • Second Medical Opinion
      In case you'd like the medical opinion of another physician before undergoing treatment.
      from RM100 up to RM300
    • 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 max 2 visits per day
    • Post-Hospitalisation Treatment
      This covers your follow up treatment after your discharge from hospital or day care surgery.
      As Charged
    • Prescription Drugs
      For all the medicine and antibiotics prescribed by your doctor.
      As Charged
    • Outpatient Kidney Dialysis Treatment
      Charges covered for consultation, examination tests and prescribed drugs if you are diagnosed with kidney failure.
      from RM20000 up to RM60000
    • Outpatient Cancer Treatment
      Charges covered for consultation, examination tests and prescribed drugs if you are diagnosed with cancer.
      from RM20000 up to RM60000
    • Physiotherapy
      In case you need physiotherapy following injury or sickness, written recommendation from your doctor is required.
      As Charged within 60 days from discharge
    • Organ Transplant
      Cost insured if you get an organ tranplant and surgery charges.
      As Charged
    • accidentalDeath
      Coverage benefit for family if policyholder passes away due to an accident.
      from RM10000 up to RM35000
    • 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 RM100
    • Insured Child Guardian Benefit
      Reimbursement of expenses for parents or guardians of children who are admitted into the hospital ward.
    • Home Nursing Care
      How much you're allowed to claim for care from a government-licensed nurse at your home.
      from RM5000 up to RM10000
    • Government Service Tax (GST)
      GST charges for medical costs that are covered by your health insurance plan.
      up to RM3000
    • Medical Report Fee
      Charges for medical report for diagnostic tests, treatment and surgery.
      up to RM50
    • Aids Compensation
      Cash compensation for contraction of the HIV virus from blood transfusions.
      up to RM10000 per lifetime
    • Permanent Total Disablement
      Compensation for total and permanent disablement due to sickness.
      up to RM35000
View more coverage details +


How much your premiums may cost

  • Fresh Graduate

    Ria is just getting on her feet financially and wants a medical cover that is both comprehensive and affordable.

    Suggested PremiumRM546.52
    Get Quote
  • Family

    The Jai family needs an insurance coverage that will encompass all of them.

    Suggested PremiumRM1149.76
    Get Quote
  • Homemaker

    Jane is a mother of a young family and wants a medical cover for her small children

    Suggested PremiumRM1674.36
    Get Quote

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

How to Claim

To make a medical insurance claim from Kurnia you will first need to be admitted at a Kurnia Insurance Panel Hospital, check out the ones closets to you here, alternatively you can always call their 24-Hour helpline at 03-7876 9988.

Simply present your medical card at the counter for a quick admission, if you do not have a medical card, or opted for a policy without one, then you can request for a Guaranteed Letter (GL) be sent. You may be asked to pay a deposit for admissions, it will vary according to the hospital you are at. If you have visited a Kurnia Panel Hospital, and with a medical card you will not have to worry about any money being spent, as Kurnia will cover you from the get go. You will only be required to make a payment, if you have exceeded any coverage limits or incurred any non-covered expenses, 

However if you choose to go to a hospital outside of the panel list, you will need to send Kurnia a written notification within 30 days of the admission. Download and complete the claim form and put together a list of the following documents;

  • Original itemised bills and receipts
  • Complete Claim Form
  • Completed Physician's Medical Report
  • A Copy of your NRIC
  • Original Bank Statements or Credit Card statements

For all the services covered by Kurnia you will receive an offer letter and a discharge voucher on the amount payable. Get the discharge letter signed and delivered back to Kurnia for your claims to be released.

Medical Assistance Hotline & Services
Kurnia 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 65 years of age
Maximum Renewal Age
At most 85 years of age

Frequently Asked Questions about Kurnia MediGUARD Family Medical Card

Things you might want to know

What is the MediGUARD Family about?

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

The MediGUARD Family is their medical protection scheme made to encompass your whole family, with better coverage and more affordable premiums.

The policy 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 situations or budgets.

How much premium would I have to pay?

Well, that is a matter entirely up to you. As it is this particular policy comes with 6 different plans to choose from, so there is a wide premium selection there, 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 differ the premiums slightly as it affects how fast you get admitted at a Kurnia 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 out-patient 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 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 policy?

Anyone over the legal age, and has the financial backing to purchase this product 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 months 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 plan before you turned 61 then you can continue to renew it till your 85th birthday.

Say I wanted to cancel the policy?

There are many reasons for you not to, 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 policy where you can decide to cancel or keep the policy. 

If you so decided to cancel, you will be refunded for any premiums paid at that point. 

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