Underwritten by AmGeneral Insurance Berhad

Kurnia MediGUARD Premier

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

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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 RM150000 up to RM450000
  • Diagnostic Tests
    This covers the costs for X-rays, blood tests, and MRI scans when your symptoms are being diagnosed.
    Not Covered
  • Room & Board
    For the nights that you spend in a hospital room instead of your own bed.
    from RM100 up to RM600per day
    • Consultation & Diagnostic Procedures
      As Charged
    • Second Surgical Opinion
      In case you'd like the medical opinion of another specialist before undergoing surgery.
      from RM50 up to RM150
    • 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
    • Surgeon Fees
      How much your medical card covers for surgical procedures, minor and major.
      As Charged
    • Anesthetist 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
    • Post Hospitalisation Treatment
      To help you recuperate after you've been discharged from the hospital.
      As Charged
    • Prescription Drugs
      For all the medicine and antibiotics prescribed by your doctor.
      As Charged
    • Outpatient Kidney Dialysis Treatment
      How much your insurer will cover for dialysis if you suffer kidney failure.
      from RM20000 up to RM60000per year
    • Outpatient Cancer Treatment
      Inclusive of costs for chemotherapy and other treatments 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
    • Accidental Injury and Medical Treatment
      Cover for emergency outpatient treatment 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 ambulance ride to the hospital and paramedic support.
      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 home nursing care due to sickness or injury.
      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
    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
    Get Quote
  • VIP

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

    Suggested PremiumRM2535
    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.

Suggested Premium is inclusive of 6% GST

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  1800882678 Hospital Admission & Discharge Outpatient Clinical Benefit
Kurnia Customer Care Hotline

Panel Hospitals

Find a hospital or clinic near you!


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