Kurnia MediGUARD Premier Medical Card

Kurnia MediGUARD Premier Medical Card offers more than basic hospitalisation protection. Coverage includes 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
19 years - 85 years
Investment-Linked Plan
No

Coverage

How much you can claim for hospital bills

Annual Limit
from RM50k up to RM150kbased on the chosen plan
Lifetime Limit
from RM200k up to RM600kbased on the chosen plan
Pre-Hospitalisation Diagnostic Tests
As charged includes specialist consultation, 31 days prior to admission
Room & Board
from RM150 up to RM600per day, max up to 365 days, based on the chosen plan
Surgical Fees
As charged includes post-surgery care up to 60 days from the date of surgery
Second Medical Opinion
from RM100 up to RM300based on the chosen plan
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 per day, max up to 365 days for 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 RM60kannual outpatient benefit, based on the chosen plan
Outpatient Cancer Treatment
from RM20k up to RM60kannual outpatient benefit, based on the chosen plan
Physiotherapy
As charged outpatient benefit, within 60 days from discharge
Organ Transplant
As charged extended benefit, per lifetime limit
Accidental Death
from RM20k up to RM50kbased on the chosen plan
Emergency Dental Treatment
As charged emergency outpatient benefit, within 24 hours and follow-up within 31 days
Ambulance Fees
As charged 
Cash Allowance at Government Hospital
from RM50 up to RM100up to 365 days, based on the chosen plan
Major Disability Relief
from RM10k up to RM35kper lifetime limit, based on the chosen plan
Home Nursing Care
from RM5k up to RM10kbased on the chosen plan
Medical Report Fee
RM50 coverage for all plans
Aids Compensation
from RM5k up to RM10kper lifetime limit, based on the chosen plan
Permanent Total Disablement
from RM20k up to RM50kdue to accidental injury, based on the chosen plan

Features

Additional benefits with this insurance

Refund
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

Requirements

Minimum Entry Age
At least 19 years of age
Maximum Entry Age
At most 65 years of age
Coverage Expiry 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 come with their benefits. 

Kurnia MediGUARD Premier offers you 24-hour worldwide coverage and tax relief 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 to 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.

For more information, please check out the following documents.

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).

Medical Card » Kurnia
✕
Apply Now

Answer a few questions with our chatbot

PDPA

We protect your personal information in compliance with the PDPA

We respect your privacy and we are committed to handle your personal information safely and responsibly
✕
Search Icon