Underwritten by AmGeneral Insurance Berhad

Kurnia MediGUARD Supreme Medical Card

Helfy treatment bills getting you down? Sign-up with Kurnia for complete medical protection. Seek second medical opinion from leading hospitals and enjoy family premium discounts.

    • Deductible Up To RM15000
    • Hospital Accommodation Up To 180 Days
    • 1 Year No Claim Bonus At 5%
    • Family Discount Starting At 10%
    • 15-Day Cancellation Refund

Apply online now for Kurnia MediGUARD Supreme 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 RM100000 up to RM300000
  • Lifetime Limit
    Know your lifetime limit, your medical card expires if you reached this amount.
    from RM300000 up to RM900000
  • 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 RM1000per day
    • Diagnostic Tests and Specialist Consultation
      Cover for the cost incurred when diagnosing your ailment, including tests and specialist charges.
      As Charged
    • 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
    • Diagnostic and Physiotherapy Procedures
      What's covered when diagnosing your condition and to get your back on your feet again.
      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.
      As Charged
    • Outpatient Cancer Treatment
      Charges covered for consultation, examination tests and prescribed drugs if you are diagnosed with cancer.
      As Charged
    • 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 RM80 up to RM150per day
    • Insured Child Guardian Benefit
      Reimbursement of expenses for parents or guardians of children who are admitted into the hospital ward.
      from RM50 up to RM100per day
    • 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
View more coverage details +


How much your premiums may cost

  • Homemaker

    Dana is a stay-at-home mother who just turned 31. She's looking for a basic medical plan.

    Suggested PremiumRM867.00
    Get Quote
  • Business Traveller

    Alif is turning 45 this year. He travels on his business trips frequently and he's looking for a comprehensive medical plan that covers most of the coverage.

    Suggested PremiumRM4609.00
    Get Quote
  • Retiree

    Mr. Koo is a retiree who is turning 55 soon. He's looking for a medical plan for senior citizen at medium price range.

    Suggested PremiumRM2348.00
    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

You need to submit the claim form to complete your claim. You can obtain the forms from Kurnia at head office claims service counter or any branches. 

Alternatively, you can send a fax at 03-7874 8567 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 shall expect a claim form via fax from Kurnia.

Here's a quick guide to hospital admission and claims.

For Admissions to Panel Hospital

  • Contact 24-hour Kurnia Call Centre at 03-7876 9988 for the location of nearest panel hospitals.
  • Present your medical card at the admission counter.
  • You will be discharged when the discharge process between panel hospital and Kurnia Medical Insurance Department is settled. 

For Admissions to Non-Panel Hospital

  • Send a written notification within 30 days of admission
  • Complete claims documentation within 30 days from the discharge date. Kindly enclose original itemised bills and receipts, complete claim form, complete physician's medical report and other relevant requested claims document
  • You will receive the claim payment after Kurnia has received your offer letter and signed discharged voucher
Kurnia Customer Care Hotline


Am I eligible to apply for this insurance?

Minimum Entry Age
At least 30 days of age
Maximum Entry Age
At most 60 years of age
Maximum Renewal Age
At most 85 years of age

Frequently Asked Questions about Kurnia MediGUARD Supreme Medical Card

Things you might want to know

Here’s the thing about life – no matter how well you prepare to succeed, how hard you work on something or how low you stay to avoid trouble, there’s always a chance that things won’t turn out the way you want. That’s what makes life beautiful and frightening at the same time. The worst thing you can do is to not have any preparation for it, because when it comes to accidents or illnesses, it’s often not a question of if” it will happen, but “when”.

What is this policy all about?

The MediGUARD Supreme provides comprehensive medical insurance protection until the age of 85 years old. Besides that, the additional benefits provided will also help provide you some relief when your loved ones are hospitalised due to accident or illness. 

What are the benefits of this medical insurance?

As part of the “Enhanced Extended Benefits of this medical insurance policy, in case you’ve been diagnosed with a Critical Illness, MediGUARD Supreme will double the Overall Annual Limit in order to help you take care of hefty medical bills and cost of treatment.

If you have not made a claim during the year, you’ll also be rewarded with a 5% annual adjustment of your Overall Annual Limit, up to a maximum of 50% from your original Overall Annual Limit. This means that if you’re able to stay relatively healthy for 10 years, you’ll enjoy an additional 50% protection at no extra cost to you. You just need to pay the annual premiums as per your policy book.

Also, while most other medical insurance plans on the market would usually cap the benefits for Outpatient Kidney Dialysis and Cancer Treatments, MediGUARD Supreme removes these limits and sets them on-par with the Overall Annual Limit, so you’ll be sure to have enough funds to cover your outpatient treatments.

Can I extend these benefits to my family members?

If two or more of your family members – including yourself – buys MediGUARD Supreme simultaneously, you get to enjoy up to 10% discount off your total annual premium. You and your family member can have policies of different tiers, but as long as it is under the MediGUARD Supreme policy, you are eligible for this discount.

Do I need to pay part of the medical bills if I am hospitalised?

Your hospital room and board fees will be paid in full by Kurnia. However, if you choose to upgrade your room, or you’re hospitalised at a published room & board rate which is higher than your eligible benefits as stated in your policy book, you’ll have to bear 20% of the bills.

Fortunately, the wide range of plans offered by MediGUARD Supreme should be able to cater for most average and well-to-do Malaysians, with Hospital Room & Board benefits of up to RM1,000 per day for a maximum of 180 days. Admissions to Intensive Care Units will also be fully reimbursed up to 120 days.

Who is eligible to purchase this insurance policy?

Any Malaysian in good health, from 30 days to 60 years old are eligible to buy this insurance policy. Renewal is available up to 85 years old provided you enrolled before you’re 61 years old.

How will I receive the payment for my claims?

After going through the necessary procedures for claims, Kurnia will make the claims payment by cheque to you, the policyholder, or to another party at your request, subject to approval from Kurnia.

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