Pacific Insurance

Underwritten by The Pacific Insurance Berhad

Pacific Medi-Care Medical Card

With up to 5 affordable plans to choose from, you can get insured for life threatening disease treatments and received double medical protection if you are hospitalised oversea.

    • Hospital Accommodation Up To 120 Days
    • 15-Day Cancellation Refund

Life's Too Short to Pay the Wrong Insurance. Get Free Consultation Now!

Life's Too Short to Pay the Wrong Insurance. Get Free Consultation Now!

Apply online now for Pacific Medi-Care 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 RM150000 up to RM400000
  • 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.
    from RM500 up to RM2000 within 31 days before hospitalisation
  • Room & Board
    For the days that you spend in a hospital room instead of your own bed.
    from RM80 up to RM400per day up to 120 days
    • Pre-Hospitalisation Consultation
      What's covered for medical consultation prior to hospitalisation or day care.
      from RM500 up to RM2000within 31 days before hospitalisation
    • Diagnostic Tests and Specialist Consultation
      Cover for the cost incurred when diagnosing your ailment, including tests and specialist charges.
      from RM500 up to RM2000within 31 days before hospitalisation
    • Intensive Care Unit (ICU)
      Worsening conditions may require critical care in the specialised hospital ward.
      from RM240 up to RM1200per day up to 20 days
    • Hospital Services and Supplies
      Charges for the sterilised bandages, intravenous drips, blood packs and other services while hospitalised.
      from RM2000 up to RM6000
    • Surgical Fees
      How much your medical card covers for surgical procedures, minor and major.
      from RM15000 up to RM40000within 31 days before hospitalisation
    • In-Hospital Physician Visits
      This is the limit for the visits from the hospital doctors that are covered by your medical plan.
      from RM80 up to RM400per day up to 120 days
    • Post-Hospitalisation Treatment
      This covers your follow up treatment after your discharge from hospital or day care surgery.
      from RM400 up to RM600within 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 RM10000 up to RM25000per year
    • Outpatient Cancer Treatment
      Charges covered for consultation, examination tests and prescribed drugs if you are diagnosed with cancer.
      from RM10000 up to RM25000per year
    • Organ Transplant
      Cost insured if you get an organ tranplant and surgery charges.
      from RM22500 up to RM60000per disability
    • Emergency Accidental Outpatient Treatment
      Cover for emergency outpatient treatment and follow up due to an accident.
      from RM2000 up to RM4000per accident
    • accidentalDeath
      Coverage benefit for family if policyholder passes away due to an accident.
      from RM10000 up to RM50000per lifetime
    • Ambulance Fees
      Charges for local ambulance services to and from the hospital.
      from RM200
    • Cash Allowance at Government Hospital
      Daily lump sum cash benefits for patients who spend the night at a government hospital.
    • Home Nursing Care
      How much you're allowed to claim for care from a government-licensed nurse at your home.
      from RM400 up to RM600per disability
View more coverage details +


How much your premiums may cost

  • Fresh Graduate

    24 years old Wei Wei is working as a part-time cashier while searching for a better job. She can only commit a basic plan for now.

    Suggested PremiumRM373.10
    Get Quote
  • Office Admin

    Siti, a 30 years old office admin living a modest lifestyle is looking for a moderate medical plan.

    Suggested PremiumRM754.70
    Get Quote
  • Young Entrepreneur

    Having succeeding her E-commerce business, Dianne who is in her late 30s wants to shop for a better future.

    Suggested PremiumRM1238.10
    Get Quote

Actual premium rates will be determined by The Pacific Insurance Berhad and may vary from what is suggested based on age, sex, occupation, lifestyle habits and other factors.

How to Claim

It's as easy as one, two, three to get your claim processed. You just need to follow the right recipe below and it will be a hassle-free experience.

With medical card:

  • Show your medical card upon hospitalisation and let them worry about the rest.
  • Medical bill? Pacific Insurance got it covered. Forms? Not at all.
  • Only settle the amount not covered under your policy upon discharge.

Without medical card:

Add in a little extra ingredient and you're done

  • Report your incident by calling Pacific Insurance claims hotline at 03 2176 1113 or email to [email protected]
  • Download the claim form here and fill it up.
  • Gather your original medical bill, original receipt and medical report.
  • Submit everything through your agent or hospital to Pacific Insurance.
Medical Assistance Hotline & Services
Pacific Insurance 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 70 years of age
Coverage Expiry Age
At most 70 years of age

Frequently Asked Questions about Pacific Medi-Care Medical Card

Things you might want to know

Tell me about the Pacific Medi-Care

Medi-Care is one of the many medical insurance plans offered by Pacific Insurance. The policy will provide substantial financial backing for any medical related emergency you might have or incurred. With 5 plans to choose from you will get the financial security you need while at the same time maintaining your budget.

It is an annually renewable policy and can be extended to the age of 70,

What does the plan cover? 

Well of course due to the nature of this policy it will cover all medical and hospital related charges pertaining to inpatient treatment. Things like room and board, use of hospital supplies and services, surgical fees and physician visits will all come under the plan coverage.

Aside from the inpatient benefits, this policy also offers coverage for some outpatient benefits as well, mostly for cancer treatment, kidney dialysis treatment, and organ transplants. In addition to that, this policy has got you covered for home nursing care, emergency accidental outpatient treatment, and accidental death should it come to that.

With a policy like this you can be rest assured that when traveling overseas this plan will keep you covered as well. With the exception of Singapore and Brunei, any country you travel to will be within the range of Pacific Insurance, therefore you can seek medical attention and care should you need it.

What are the other benefits?

Besides being able to offer you a financial cushion this policy also offers you high limits and in some cases, double the coverage. Following up on overseas medical protection, if you do require medical attention overseas, Pacific Insurance will pay double the limit on treatment costs giving you more room to wiggle. 

Also you will receive a medical card with the policy. This way you can be sure that whenever you need medical care, especially in a state of emergency, you just need to flash your card at the admission desk and let the rest fall into place.

Am I eligible for the policy?

If you are an individual between 19 and 65 then you are most definitely eligible for the policy. Parents and families can also purchase this policy and provide coverage for their children as well. All children will need to be between 30 days and 19 years old to be included under the umbrella of this policy protection. However if your child is still a full time student pursuing their higher education then the policy can be extended till they turn 23.

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