Underwritten by AmGeneral Insurance Berhad

Kurnia MediGUARD Premier Medical Card

A medical insurance policy that offers more than basic hospitalisation protection. Coverage include outpatient benefits, home nursing, and compensation for accidental death.

    • Hospital Accommodation Up To 150 Days
    • 15-Day Cancellation Refund

Apply online now for Kurnia MediGUARD Premier 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 RM50000 up to RM150000
  • Lifetime Limit
    Know your lifetime limit, your medical card expires if you reached this amount.
    from RM200000 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 RM600per day
    • Consultation & Diagnostic Procedures
      As Charged 31 days prior to hospital admission
    • 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 per day
    • 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 within 60 days after discharge
    • Prescription Drugs
      For all the medicine and antibiotics prescribed by your doctor.
      As Charged within 365 days during hospitalisation and 60 days after discharge
    • Outpatient Kidney Dialysis Treatment
      Charges covered for consultation, examination tests and prescribed drugs if you are diagnosed with kidney failure.
      from RM20000 up to RM60000per year
    • Outpatient Cancer Treatment
      Charges covered for consultation, examination tests and prescribed drugs if you are diagnosed with cancer.
      from RM20000 up to RM60000per year
    • Physiotherapy
      In case you need physiotherapy following injury or sickness, written recommendation from your doctor is required.
      As Charged
    • Organ Transplant
      Cost insured if you get an organ tranplant and surgery charges.
      As Charged per lifetime
    • Emergency Accidental Outpatient Treatment
      Cover for emergency outpatient treatment and follow up due to an accident.
      As Charged
    • accidentalDeath
      Coverage benefit for family if policyholder passes away due to an accident.
      from RM20000 up to RM50000
    • 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 RM100per day
    • Major Disability Relief
      Cash benefit from the insurer if you're diagnosed with a major disability.
      from RM10000 up to RM35000per lifetime
    • 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
    • Medical Report Fee
      Charges for medical report for diagnostic tests, treatment and surgery.
      from RM50
    • Aids Compensation
      Cash compensation for contraction of the HIV virus from blood transfusions.
      from RM5000 up to RM10000per lifetime
    • Permanent Total Disablement
      Compensation for total and permanent disablement due to sickness.
      from RM20000 up to RM50000
View more coverage details +


How much your premiums may cost

  • Budget Planner

    Jarod is a single father in his early 20s. He is looking for a basic medical plan.

    Suggested PremiumRM828.00
    Get Quote
  • Office Admin

    Kate is a senior accountant in her early 30s who is getting married soon. She's looking for a medical card with the most coverage.

    Suggested PremiumRM1364.00
    Get Quote
  • VIP

    Dato Kim is turning 50 soon. He wants to get the most coverage from Kurnia medical card.

    Suggested PremiumRM2535.00
    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

First, you need a claim form to complete your claim. You can get the form from Kurnia head office claims service counter or any Kurnia branches. 

Alternatively, you can send a fax to Kurnia at 03-7874 8567 to request the form with the following information.

  • 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

You can expect Kurnia to fax the claim form to you.

Medical claim is easy at Kurnia. Here's a guide for hospital admission and claims. 

For Admission at Panel Hospital

  • You can choose to call 24-hour Kurnia Call Centre at 03-7876 9988 for the location of the nearest Kurnia Panel Hospitals
  • Present your medical card at the admission counter
  • You can be discharged once the settlement of discharge process is done between the panel hospital and Kurnia Medical Insurance Department

For Admission at Non-Panel Hospital

  • Send a written notification within 30 days of admission
  • Complete claims documentation and submit to Kurnia within 30 days from the discharge date. Kindly enclose the original itemised bills and receipts, complete claim form, completed physician's medical report as well as the other relevant claims documents
  • You will receive claims payment after Kurnia received the offer letter and signed discharged voucher.
Medical Assistance Hotline & Services
 +60378769988  1300221188 Hospital Admission & Discharge Outpatient Clinical Benefit
Kurnia Customer Care Hotline


Am I eligible to apply for this insurance?

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

Frequently Asked Questions about Kurnia MediGUARD Premier Medical Card

Things you might want to know

What is special about the MediGUARD Premier?

The Premier plan is one in a series of medical insurance policies offered by Kurnia Insurance. This particular plan comes with the most customizable coverage and add-ons that you can choose to include in your policy.

Should you choose this plan you can also take up the option to carry a medical card with you or decide against getting a card with the plan. Both comes with its benefits. MediGUARD Premier offers you 24hour worldwide coverage and tax reliefs too.

So what does it cover exactly?

This plan offers comprehensive coverage, inclusive of hospital fees and accommodation charges, as well as ICU services. The policy will take care of medical expenses, surgical procedures should you need them, ambulance and transportation services, and specialist consultation.

Apart from that, with the Premier plan you also get extensive outpatient benefits. So, should you require, dialysis treatment, cancer care, or physiotherapy after an accident or surgery, charge those expenses to the insurance policy. That’s not all, with the plan you will be entitled to an extensive list of benefits, that come with the plan.

What are the optional benefits?

There are a few benefits that you won’t get by default but you can add into the plan as you so desire. It includes outpatient clinical benefits, for GP and Specialist Care as well as certain medical screenings.

Who can apply for this policy?

The MediGUARD Premier is available to anyone between the ages of 19 and 65. So pick up the plan whenever you’d like if you are in that range.

Don’t worry though, after the age of 65 you can continue to renew this policy until you hit 85 years of age. However, there is a condition that you sign up for the plan before you turn 61.

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