Kurnia MediGUARD Lady Medical Card

 Here's a quick guide for hospital admission. 

• 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 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 itemised bills and 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.

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 their highly demanding and stressful lifestyles, women are also at risk of developing female-related cancers.

What is Kurnia MediGUARD Lady's 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 are any. However, bear in mind that this is only applicable to Liberty General panel hospitals. 

If you have a preferred hospital which is not on the list of Liberty General 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 settle your medical bills in full upon discharge and submit it to Liberty General to claim reimbursement for your covered condition.

How is this policy suitable for women?

This Kurnia medical 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 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 the Kurnia MediGUARD Lady policy, you’ll get 24-hour worldwide coverage.

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

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

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

For more information, please check out the following documents.

• Product Disclosure Sheet
• Policy Wording
• Product Brochure

The benefit(s) payable under this eligible policy is protected by PIDM up to limits. Please refer to PIDM's TIPS Brochure or contact Liberty General Insurance Berhad or PIDM (visit www.pidm.gov.my).