Kurnia MediGUARD Lady Medical Card

Protect yourself against female cancer, pregnancy complications, and emergency reconstructive surgery due to an accident with Kurnia MediGUARD Lady Medical Card.

Kurnia MediGUARD Lady Medical Card
Annual Limit
up to RM150k
Lifetime Limit
up to RM450k
Room & Board
up to RM600
Coverage Age
From 19 years
No. of Panel Hospitals
Investment-Linked Plan


How much you can claim for hospital bills

Annual Limit
from RM50k up to RM150k
Lifetime Limit
from RM150k up to RM450k
Pre-Hospitalisation Diagnostic Tests
Not applicable
Room & Board
from RM100 up to RM600per day, up to 150 days
Surgical Fees
As charged covers the cost of surgery by the specialists, including pre-surgical assessment and post-surgery care, up to 60 days
Diagnostic Tests and Specialist Consultation
As charged 31 days prior to admission
Second Medical Opinion
from RM50 up to RM150
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 up to 150 days
Post-Hospitalisation Treatment
As charged within 60 days after discharge
Prescription Drugs
As charged within 150 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 per lifetime
Emergency Accidental Outpatient Treatment
As charged 
Maternity Death
from RM10k up to RM35k
Pregnancy Complication
from RM5k up to RM10k
Accidental Death
from RM10k up to RM35k
Emergency Dental Treatment
from RM2.5k up to RM10kper lifetime
Ambulance Fees
As charged 
Cash Allowance at Government Hospital
from RM50 up to RM100per day
Major Disability Relief
from RM10k up to RM35kper lifetime
Home Nursing Care
from RM5k up to RM10k
Government Service Tax (GST)
Medical Report Fee
from RM50 
Aids Compensation
from RM5k up to RM10kper lifetime
Cosmetic Treatment
from RM2.5k up to RM10kper lifetime
Permanent Total Disablement
from RM10k up to RM35k
Female Cancer
from RM5k per lifetime


Additional benefits with this insurance

15 days cancellation refund
Hospital Accommodation
Up to 150 days

How to Claim

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

Medical Assistance Hotline & Services
Kurnia Customer Care Hotline

You will need a claim form to process your claim. You can obtain the form from Kurnia head office claims service center or any Kurnia branches. 

Other than that, you can request the claim form via fax at 03-7874 8567. Remember to enclose the following documents in your fax to speed up the process.

  • Vehicle Number
  • Accident Date
  • Policy or Cover Note Number
  • Place of Accident
  • Type of Claims (Own Damage / Theft / Windscreen / Notification only)
  • Policyholder’s Current Address and Contact Number
  • Fax Number

Kurnia will proceed to fax a claim form to you. 

Here's a quick guide for hospital admission. 

  • Call 24-hour Kurnia Call Centre at 03-7876 9988 to request the location of the nearest Kurnia panel hospital.
  • Present your Kurnia Medical Card at the admission counter.
  • You may required to pay a deposit before admission, depending on hospital requirements.
  • You will be discharged after discharge documentation and payment advise are settled between panel hospital and Kurnia Medical Insurance Department.

If you admit to a non-Kurnia panel hospital, you are required to follow the reimbursement claim procedures as follow. 

  • Send Kurnia a written notification within 30 days of admission.
  • Submit completed claims documentation within 30 days from the discharge date, consisting of original itemised bills and receipts, completed claim form, completed physician's medical report and the other relevant claims documents.
  • When Kurnia received the discharge bills or invoices, a claims payment will be issued to you.


Minimum Entry Age
At least 19 years of age
Maximum Entry Age
At most 65 years of age
Maximum Renewal Age
At most 70 years of age

More Information

The expectation and pressure on women especially in developing countries are enormous. 

Representing almost half of Malaysia’s participating workforce and taxpayers, women are an economic force to be reckoned with.

Yet, the majority of women also cannot escape certain gender roles which only women can perform, such as childbearing, home management and as educators of their children at home. 

Besides, due to the highly demanding and stressful lifestyles, women are also at risk of developing female-related cancers.

What is Kurnia MediGUARD Lady medical card?

Kurnia MediGUARD Lady is a medical insurance with benefits targeted specifically for women. 

With this medical card, you have the flexibility to choose the ideal medical plan that best suits your needs as a woman.

What are the benefits of this medical insurance?

You have a choice of plans with a medical card or without a medical card. 

If you opt for the medical insurance plans with medical cards, hospital admission and discharge will be hassle free, and you will only need to settle any non-payable charges, if there is any. 

However, bear in mind that this is only applicable for Kurnia Insurans’ panel hospitals. If you have a preferred hospital which is not in the list of Kurnia’s panel hospitals, you could opt for a plan without a medical card, which gives you the freedom to choose any hospital you want.

All you need to do is to settle your medical bills in full upon discharge and submit it to Kurnia Insurans to claim for reimbursement for your covered condition.

How is this policy suitable for women?

This Kurnia meical card offers protection against female illnesses, including almost all types of female cancers, facial or dental reconstructive surgeries for injuries sustained in accidents, pregnancy complications, and maternity death.

Are there other benefits of this Kurnia medical card?

The medical insurance policy also covers Second Surgical Opinions, meaning you could get a second opinion from another doctor at another hospital regarding your condition, empowering you to make a more informed decision on whether a surgery is required or not.

Death or permanent total disablement due to accidents are also covered in the policy.

Who is eligible to purchase this medical insurance policy?

All women aged between 19 and 65 years old are eligible for this medical insurance.

Although you have the option to renew up to the age of 65, Kurnia Insurans reserves the discretion to renew your policy up to age 70 if you enrolled before age 61.

Do I get any coverage when travelling overseas?

With Kurnia MediGUARD Lady policy, you’ll get 24 hours worldwide coverage.

What are the other benefits of Kurnia MediGUARD Lady medical card?

The extended benefits of Kurnia MediGUARD Lady medical card include organ transplants, which Kurnia would provide the full reimbursement up to the lifetime limit of your plan. 

You’ll also get daily cash allowance if you choose to be admitted at a government hospital, and you’ll get an RM50 reimbursement when you do a medical report.

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