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.

Kurnia MediGUARD Supreme Medical CardHigh Annual Limit
Annual Limit
up to RM300k
Lifetime Limit
up to RM900k
Room & Board
up to RM1,000
Coverage Age
30 days - 60 years
No. of Panel Hospitals
69
Investment-Linked Plan
No

Coverage

How much you can claim for hospital bills

Annual Limit
from RM100k up to RM300k
Lifetime Limit
from RM300k up to RM900k
Pre-Hospitalisation Diagnostic Tests
Not applicable
Room & Board
from RM150 up to RM1kper day
Surgical Fees
As charged 
Diagnostic Tests and Specialist Consultation
As charged 
Intensive Care Unit (ICU)
As charged 
Hospital Services and Supplies
As charged 
Anaesthetist Fees
As charged 
Operating Theatre Fees
As charged 
In-Hospital Physician Visits
As charged 
Diagnostic and Physiotherapy Procedures
As charged 
Post-Hospitalisation Treatment
As charged 
Prescription Drugs
As charged 
Outpatient Kidney Dialysis Treatment
As charged 
Outpatient Cancer Treatment
As charged 
Physiotherapy
As charged 
Organ Transplant
As charged per lifetime
Emergency Accidental Outpatient Treatment
As charged 
Emergency Dental Treatment
As charged 
Ambulance Fees
As charged 
Cash Allowance at Government Hospital
from RM80 up to RM150per day
Insured Child Guardian Benefit
from RM50 up to RM100per day
Home Nursing Care
from RM5k up to RM10k
Medical Report Fee
from RM50 
Aids Compensation
from RM5k up to RM10kper lifetime

Features

Additional benefits with this insurance

Deductible
Up to RM15,000
No Claim Bonus
1 year no claim bonus at 5%
Refund
15 days cancellation refund
Hospital Accommodation
Up to 180 days
Family discount
Up to 10%

How to Claim

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

Kurnia Customer Care Hotline

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

Requirements

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

More Information

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 Kurnia MediGUARD Supreme Medical Card 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.