Lonpac

Underwritten by Lonpac Insurance Berhad

Lonpac MediSecure Plus 2015

Never have to worry about insufficient funds for medical needs again. The Lonpac MediSecure Plus 2015 will ensure that you have the ability to make all the medical payments you need.

    • Deductible Up To RM40000
    • 15-Day Cancellation Refund

Apply online now for Lonpac MediSecure Plus 2015

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Coverage

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 RM150000 up to RM2000000
  • Lifetime Limit
    Know your lifetime limit, your medical card expires if you reached this amount.
    Not Applicable
  • Pre-Hospitalisation Diagnostic Tests
    This covers the cost for ECG, X-rays and other laboratory tests to diagnose your symptoms.
    As Charged
  • Room & Board
    For the days that you spend in a hospital room instead of your own bed.
    from RM300 up to RM2000per day
    • Consultation & Diagnostic Procedures
      As Charged
    • Pre-Hospitalisation Consultation
      What's covered for medical consultation prior to hospitalisation or day care.
      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 max 2 visits per day
    • Post-Hospitalisation Treatment
      This covers your follow up treatment after your discharge from hospital or day care surgery.
      As Charged within 60 days from discharge
    • Outpatient Kidney Dialysis Treatment
      Charges covered for consultation, examination tests and prescribed drugs if you are diagnosed with kidney failure.
      from RM25000 up to RM240000per disability
    • Outpatient Cancer Treatment
      Charges covered for consultation, examination tests and prescribed drugs if you are diagnosed with cancer.
      from RM25000 up to RM240000per disability
    • Organ Transplant
      Cost insured if you get an organ tranplant and surgery charges.
      As Charged
    • Ambulance Fees
      Charges for local ambulance services to and from the hospital.
      As Charged
    • Home Nursing Care
      How much you're allowed to claim for care from a government-licensed nurse at your home.
      As Charged
    • Medical Report Fee
      Charges for medical report for diagnostic tests, treatment and surgery.
      As Charged
View more coverage details +

Premiums

How much your premiums may cost

  • Machinery Operator

    James is in his 30's and wants a medical insurance that is affordable both monthly and annually.

    Suggested PremiumRM88
    Get Quote
  • Business Traveller

    Leo travels a lot for work but finds that he doesn't have enough coverage when he's at home. 

    Suggested PremiumRM125
    Get Quote
  • School Teacher

    Abu is an a school teacher approaching his golden years and wants to make sure he has a back up insurance plan.

    Suggested PremiumRM240
    Get Quote

Actual premium rates will be determined by Lonpac 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

There are a few ways to make a claim when it comes Lonpac. However the first order of action when you need to make a claim is to first notify the insurer of the reason for the claim, either via phone, fax, letter, email or on the website claim inquiry form. 

Next you will need to download the claim form that Lonpac sends you, have a written statement ready and attach it to the form along with;

  • A copy of your NRIC
  • Medical Reports 
  • Hospital Reports
  • Original receipts and Itemized bill
  • Original Bank or Credit Card statements
  • Referral Letter

Once you have all of these together, send it off with either the Adjuster or directly to Lonpac and await their approvals. You will get an Offer Letter and Discharge Voucher, only then will the claim be executed. 

Lonpac Customer Care Hotline
 60322628666

Panel Hospitals

Find a hospital or clinic near you!

Requirements

Am I eligible to apply for this insurance?

Minimum Entry Age
At least 30 days of age
Maximum Entry Age
At most 70 years of age

Frequently Asked Questions about Lonpac MediSecure Plus 2015

Things you might want to know

What is the Lonpac MediSecure Plus 2015?

The MediSecure Plus 2015 is one of the three MediSecure, medical insurance policies offered by Lonpac Insurance. The Plus policy comes with 6 different plans within it for you to choose from according to your budget, needs and medical history. This way you will get to pick the plan you want and be prepared for its commitments without being blindsided by high premiums.

It is a major-medical insurance policy that provides a ‘Top-Up’ facility for those of you who find that your hospitalization and surgical insurance isn’t enough to meet the current costs of healthcare.

How do the premiums and the deductible work?

As it is with countless other insurance plans, this one comes with a deductible per disability concept, which is the expense which you will need to bear before your coverage kicks in. This amount along with the insurance premiums depend on which plan you pick out of the 6.

Insurance premiums for this product varies, according to age as well as plan. Also, the premiums will auto adjust along with your age unless otherwise instructed.

Since this is a policy that only works to your benefit, every three years from the date of issuing most of the limits that come with the plan will steadily increase. This means, you will still get to keep your affordable premium rates, but the Room and Board Limit, Deductible Per Disability, Disability Limit and Annual limit will all increase.

What are some of the plan exclusions?

Unfortunately, the policy does not cover pre-existing conditions, as well as issues or illnesses that occur due to them. Otherwise, with its ‘Top-Up’ policy it covers most things as long as you can cover the cost of the difference if it is not already offered.

Another circumstance where the policyholder is not covered occurs when you have traveled overseas for more than 3 months or 90 days consecutively.

Who can apply for this policy?

Pretty much anyone over the legal age can pick up this policy whenever you feel the need to. While this is not a policy that encompasses family, parents or spouses, but any one person can purchase the policy for them. Therefore, parents who want to get this plan for their kids, you may do so as long as they are over the age of 30 days. They are eligible for the coverage up to the age of 19 years unless they are still studying, in which case the age band is extended to 23.

The maximum entry age for this particular plan is 70 years old, and can be renewed up to the age of 100, so it is also an ideal plan for seniors.

Please also take note that this plan is available to foreigners and Permanent Residents (PR) of Malaysia. 

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