Underwritten by Lonpac Insurance Berhad

Lonpac MediSecure

Free yourself from the burden of costly medical and hospitalisation expenses when you are at your retirement age. Equip yourself with a medical insurance that provides comprehensive coverage with no lifetime limit!

    • Deductible Up To RM20000
    • Hospital Accommodation Up To 180 Days
    • 1 Year No Claim Bonus At 10%
    • 15-Day Cancellation Refund
View product disclosure sheet.


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 RM75000 up to RM300000
  • Lifetime Limit
    Know your lifetime limit, your medical card expires if you reached this amount.
    Not Applicable
  • Pre-Hospitalisation Diagnostic Tests
    This covers the costs incurred for diagnostic X-ray, laboratory examination and scans.
    As Charged within 60 days before hospitalisation
  • Room & Board
    For the days that you spend in a hospital room instead of your own bed.
    from RM130 up to RM500per day
    • Pre-Hospitalisation Consultation
      What's covered for medical consultation prior to hospitalisation or day care.
      As Charged within 60 days before hospitalisation
    • 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 within 60 days after discharge
    • 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
    • Organ Transplant
      Cost insured if you get an organ tranplant and surgery charges.
      As Charged once per lifetime
    • Day Surgery
      For surgical procedures that do not require you to spend the night in a hospital bed.
      As Charged
    • Emergency Accidental Outpatient Treatment
      Cover for emergency outpatient treatment and follow up due to an accident.
      As Charged
    • accidentalDeath
      Coverage benefit for family if policyholder passes away due to an accident.
      from RM5000 subject to plan
    • 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 RM150 per day, up to 180 days a year
    • Hospital Cash Benefit
      Daily allowance for patients that are admitted to the hospital.
      from RM50 per day
    • Major Disability Relief
      Cash benefit from the insurer if you're diagnosed with a major disability.
      from RM10000
    • Medical Report Fee
      Charges for medical report for diagnostic tests, treatment and surgery.
      from RM100 per admission
View more coverage details +


How much your premiums may cost

  • Fresh Graduate

    Li Fen just turned 21 and can't wait to start her career as a journalist. First thing on her list is to get an affordable health insurance plan.

    Suggested PremiumRM519.00
    Get Quote
  • VIP

    In his 40s and highly accomplished, Harith knows that success is not the only measure of a person. He wants the best policy that Lonpac can offer to stay healthy for his family. 

    Suggested PremiumRM2081.00
    Get Quote
  • Retiree

    Gopal is 56 and enjoying early retirement, but he doesn't want to be forking out countless health bills. He'll pay extra for a guaranteed hospital room that is private.

    Suggested PremiumRM3189.00
    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.

How to Claim

Claims are easy with Lonpac Medisecure. For admission to any panel hospital nationwide just remember to have your medical card with you. Lonpac will take care of all the charges which are covered under the health insurance plan, so you'll only have to worry about the excess charges.

To file any medical claims you'll have to provide some documentation so that Lonpac can process these payments, refer to the following list:

Submit these documents to any Lonpac branch near you, Lonpac will process your claims within 7 working days. If approved, these payments will be credited to your bank account directly.

Medical Assistance Hotline & Services
 +60376283835  +60378415770 24-hour assistance
Lonpac 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 64 years of age
Maximum Renewal Age
At most 79 years of age
Coverage Expiry Age
At most 80 years of age

Frequently Asked Questions about Lonpac MediSecure

Things you might want to know

What benefits are offered in this medical card?

Different needs call for different insurance policies. With Lonpac MediSecure, you have 5 different plans with different coverage benefits and premiums payments to fit your budgets and requirements.

All plans include the following standard coverage: surgical related fees, medical expenses, kidney dialysis treatment, ambulance fees and more.

If you are financially stable, you may also choose to add deductible to your policy and enjoy markdown on your annual premium as high as 50%.

How does the no claim bonus work?

With Lonpac MediSecure annual policy's limit can grow without any increases to your premiums. Just stay at the top of your health and make no claim throughout the coverage period. 

Your annual limit will increase by 10% for each no claim bonus you receive, up to a maximum of 5 years. For example, if your annual limit is RM200,000 it will increase to RM220,000 next year, and to RM240,000 in the year following.

How do I renew my policy?

There are three ways to go about it:

  • Contact a Lonpac insurance agent and let them do it for you. However 15% extra will be charged on your gross premium as commission for the insurance agent.
  • Go directly to Lonpac branch office to renew your policy and you'll save 15% charges!
  • You can opt to renew your policy automatically and the premium will be charged to your credit card. That's one less thing to worry about, save 15% and the hassle!

Am I only covered in Malaysia?

All benefits for this medical card are applicable globally, anytime of the day. Lonpac MediSecure also covers for the expenses If you are recommended by a local Physician to receive specialised treatment outside of Malaysia.

You will also enjoy the benefits if you fall sick and need to be hospitalised while travelling abroad.

Who is eligible to be covered under this insurance?

For first-timers, you can sign up for this medical insurance if you are a permanent resident in Malaysia and age between 30 days to 64 years old.

As for children who fall in the age band between 30 days to 18 years old, or 23 years old if they are still a student, they'll need to be insured together with one or both parents. This means they can't have a standalone policy.

If you are a policyholder, your policy is guaranteed renewal up to the age of 80. 

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