Underwritten by AmGeneral Insurance Berhad

Kurnia MediGUARD Senior

Enjoy your days in the sun after retirement with a complete medical coverage plan. Get compensation for all your hospitalisation and surgery bills at all panel hospitals in Malaysia.

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


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
  • Pre-Hospitalisation Diagnostic Tests
    This covers the costs incurred for diagnostic X-ray, laboratory examination and scans.
    As Charged
  • Room & Board
    For the days that you spend in a hospital room instead of your own bed.
    from RM100 up to RM600
    • Pre-Hospitalisation Consultation
      What's covered for medical consultation prior to hospitalisation or day care.
      As Charged
    • Second Medical Opinion
      In case you'd like the medical opinion of another physician before undergoing treatment.
      from RM50 up to RM150
    • Intensive Care Unit (ICU)
      Worsening conditions may require critical care in the specialised hospital ward.
      As Charged
    • 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
    • Post-Hospitalisation Treatment
      This covers your follow up treatment after your discharge from hospital or day care surgery.
      As Charged
    • Prescription Drugs
      For all the medicine and antibiotics prescribed by your doctor.
      As Charged
    • Outpatient Kidney Dialysis Treatment
      Charges covered for consultation, examination tests and prescribed drugs if you are diagnosed with kidney failure.
      from RM20000 up to RM60000
    • Outpatient Cancer Treatment
      Charges covered for consultation, examination tests and prescribed drugs if you are diagnosed with cancer.
      from RM20000 up to RM60000
    • 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
    • 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
    • Insured Child Guardian Benefit
      Reimbursement of expenses for parents or guardians of children who are admitted into the hospital ward.
      from RM50 per 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
    • Geriatric Benefit
      Additional health care treatment for elderly folk and related diseases.
      from RM5000 per lifetime
    • Medical Report Fee
      Charges for medical report for diagnostic tests, treatment and surgery.
      from RM50
View more coverage details +


How much your premiums may cost

  • Homemaker

    Monica is a homemaker who is turning 65 soon. She's looking for a medical card with basic plan.

    Suggested PremiumRM1471.00
    Get Quote
  • Retiree

    Mr. Chin is 56 years old and he has retired from his work. He wants a comprehensive plan.

    Suggested PremiumRM2592.00
    Get Quote
  • VIP

    Chung is businessman at age of 61. He wants the most coverage medical card from Kurnia.

    Suggested PremiumRM5837.00
    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 process your claim. You can obtain the forms at Kurnia head office service counter and any Kurnia branches.

Alternatively, you can fax Kurnia for the claim form request at 03-7874 8567. Kindly enclose the following information in your fax.

  • 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 proceed to fax a claim form to you.

To speed up your claim, you may need to check out the easy guide below for hospital admission.

  1. Call 24-hour Kurnia Call Center at 03-7876 9988 for the nearest Kurnia panel hospitals.
  2. Present your Kurnia medical card at the admission counter.
  3. Bear in mind that you may required to pay a deposit before admission, depending on hospital requirements.
  4. The panel hospital will issue a discharge documentation to be processed by the Kurnia Medical Insurance Department and Kurnia will proceed to issue a payment advice. 
  5. You can discharged upon all the settlements. 

If you admit to a non-Kurnia panel hospital, you are still eligible to reimbursement claims. Here's the guide. 

  • Send in a written notification within 30 days of admission.
  • Submit the completed claims documentation within 30 days from the discharge date, consisting of original itemised bills and receipts, completed claim form, completed physician's medical report and the other relevant claims documents. 
  • Kurnia will issue an offer letter and discharge voucher on the amount payable upon the completed claims. When the signed discharge invoice is received, Kurnia will proceed to issue claims payment.
Medical Assistance Hotline & Services
 +60378769988  1800882678 Hospital Admission & Discharge Outpatient Clinical Benefit
Kurnia Customer Care Hotline


Am I eligible to apply for this insurance?

Minimum Entry Age
At least 56 years of age
Maximum Entry Age
At most 65 years of age
Maximum Renewal Age
At most 80 years of age