Pacific Medi-Major Medical Card

Illness comes uninvited, be prepared to pay for expensive medical bills. Pacific Medi-Major Medical Card covers you and your family for as low as less than RM1 a day.

Pacific Medi-Major Medical CardLow Premiums
Annual Limit
up to RM100k
Lifetime Limit
up to RM400k
Room & Board
up to RM400
Coverage Age
30 days - 80 years
No. of Panel Hospitals
Investment-Linked Plan


How much you can claim for hospital bills

Annual Limit
from RM25k up to RM100k
Lifetime Limit
from RM100k up to RM400k
Pre-Hospitalisation Diagnostic Tests
As charged within 31 days before hospitalisation
Room & Board
from RM100 up to RM400per day
Surgical Fees
As charged including post-surgery care up to 31 days
Pre-Hospitalisation Consultation
As charged within 31 days before hospitalisation
Intensive Care Unit (ICU)
As charged per day
Hospital Services and Supplies
As charged 
Anaesthetist Fees
As charged 
Operating Theatre Fees
As charged 
In-Hospital Physician Visits
As charged per day
Post-Hospitalisation Treatment
As charged within 60 days after discharge
Outpatient Kidney Dialysis Treatment
from RM10k up to RM30kper disability
Outpatient Cancer Treatment
from RM10k up to RM30kper disability
Organ Transplant
As charged 
Ambulance Fees
As charged 
Home Nursing Care
As charged 


Additional benefits with this insurance

Up to RM7,500
15 days cancellation refund

How to Claim

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

Medical Assistance Hotline & Services

Here's a guide to making a claim in only few easy steps:

With medical card:

  • Things become easier than ever with a medical card. Present it to the hospital receptionist and enjoy cashless admission.
  • When discharged, you're only require to pay whatever is not covered by your policy, the rest will be absorbed by Pacific Insurance.

Without medical card:

  • Inform Pacific Insurance of your incident the soonest possible.
  • Complete the claim form
  • Prepare the documents required - original medical bills, original receipt and medical report
  • Submit them to Pacific Insurance via your agent, hospital or deliver them directly to their office.

You can reach them by phone at 03 2176 1113 or email at [email protected]


Minimum Entry Age
At least 30 days of age
Maximum Entry Age
At most 65 years of age
Maximum Renewal Age
At most 80 years of age
Coverage Expiry Age
At most 80 years of age

More Information

What are the main highlights of Pacific Medi-Major medical card?

Pacific Medi-Major is an affordable medical insurance which offers comprehensive coverage for as low as 47 sen a day. 

This medical card can be used as a "top-up" to complement other basic hospitalisation and surgical insurance policies.

You will be given the option to upgrade your protection to be better prepared for any major medical treatment in the future. 

With your finances in check and secured, all you have to do is focus on recovery.

Who is eligible to apply for this Pacific insurance?

The Pacific insurance is available to anyone at the minimum age of 30 days up to 60 years old. If you wish to extend your coverage, you can renew up to the age of 80 years old. 

Other than premiums, what are the other fees I should be aware of?

Yes, but only one! - you will have to pay RM10 stamp duty for the documents.

How much is the deductible amount for this medical insurance?

Pacific Medi-Major medical insurance offers deductible rates from RM2,000 up to RM7,500 per year.

For example, if you've chosen a deductible option of RM2,000, and your hospital bill is RM5,000, your insurer will cover the other RM3,000 for you.

Does this medical insurance cover overseas treatment?

You will be covered if you face a medical condition that cannot be treated within the country, and require transfer to a hospital outside of Malaysia. 

Be aware that this medical insurance offers protection only if you stay abroad no more than 90 days starting from the date of travel.

Can I cancel my Pacific insurance policy?

Absolutely, within 15 days of the issuance of the Pacific Medi-Major medical card policy. You can apply for cancellation in writing to Pacific Insurance Berhad. 

Besides that, you are entitled to a certain amount of refund if you have not made any claim during your policy term.