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
From 30 days
No. of Panel Hospitals
Investment-Linked Plan


How much you can claim for hospital bills

Annual Limit
from RM70k up to RM150k
Lifetime Limit
from RM280k up to RM600k
Pre-Hospitalisation Diagnostic Tests
Not applicable
Room & Board
from RM150 up to RM600per day, up to 365 days
Surgical Fees
As charged 
Diagnostic Tests and Specialist Consultation
As charged 31 days prior to admission
Second Medical Opinion
from RM100 up to RM300
Intensive Care Unit (ICU)
As charged per day, 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 max 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 RM60k
Outpatient Cancer Treatment
from RM20k up to RM60k
As charged within 60 days from discharge
Organ Transplant
As charged 
Accidental Death
from RM10k up to RM35k
Emergency Dental Treatment
As charged 
Ambulance Fees
As charged 
Cash Allowance at Government Hospital
from RM50 up to RM100
Insured Child Guardian Benefit
from RM50 up to RM50
Home Nursing Care
from RM5k up to RM10k
Government Service Tax (GST)
As charged up to RM3k
Medical Report Fee
up to RM50
Aids Compensation
up to RM10kper lifetime
Permanent Total Disablement
up to RM35k


Additional benefits with this insurance

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

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.


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

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 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 situations or budgets.

How much does the medical insurance cost?

Well, that is a matter entirely up to you. 

As it is this particular policy comes with 6 different medical insurance plans to choose from, so there is a wide medical insurance 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 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 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 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 where you can decide to cancel or keep the policy. 

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

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