Kurnia MediGUARD Premier Medical Card

Kurnia MediGUARD Premier Medical Card offers more than basic hospitalisation protection. Coverage include outpatient benefits, home nursing and accidental death.

Kurnia MediGUARD Premier Medical Card
Annual Limit
up to RM150k
Lifetime Limit
up to RM600k
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 RM200k 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 RM60kper year
Outpatient Cancer Treatment
from RM20k up to RM60kper year
As charged within 60 days from discharge
Organ Transplant
As charged per lifetime
Emergency Accidental Outpatient Treatment
As charged 
Accidental Death
from RM20k up to RM50k
Emergency Dental Treatment
As charged 
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
Medical Report Fee
from RM50 
Aids Compensation
from RM5k up to RM10kper lifetime
Permanent Total Disablement
from RM20k up to RM50k


Additional benefits with this insurance

15 days cancellation refund
Hospital Accommodation
Up to 365 days

How to Claim

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

Medical Assistance Hotline & Services
Kurnia Customer Care Hotline

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.


Minimum Entry Age
At least 19 years of age
Maximum Entry Age
At most 65 years of age
Maximum Renewal Age
At most 85 years of age

More Information

What is special about Kurnia MediGUARD Premier medical card?

Kurnia MediGUARD Premier is one in a series of medical insurance policies offered by Kurnia Insurance. 

This medical card 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. 

Kurnia MediGUARD Premier offers you 24hour worldwide coverage and tax reliefs too.

So what does this medical insurance cover?

This medical insurance offers comprehensive coverage, inclusive of hospital fees and accommodation charges, as well as ICU services. 

The Kurnia insurance 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 of this Kurnia insurance?

There are a few benefits that you won’t get by default but you can add into the Kurnia insurance 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 Kurnia MediGUARD Premier medical card?

Kurnia MediGUARD Premier medical card is available to anyone between the ages of 19 and 65. So, pick up the medical insurance 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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