Pacific Insurance

Underwritten by The Pacific Insurance Berhad

Pacific Medi-Major Medical Card

Illness and injuries come uninvited. Be prepared or bear paying for expensive medical bills coming your way. Get you and your family insured for as low less than RM1 a day.

    • Deductible Up To RM7500
    • 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-Major 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 RM25000 up to RM100000
  • Lifetime Limit
    Know your lifetime limit, your medical card expires if you reached this amount.
    from RM100000 up to RM400000
  • Pre-Hospitalisation Diagnostic Tests
    This covers the costs incurred for diagnostic X-ray, laboratory examination and scans.
    As Charged within 31 days before hospitalisation
  • Room & Board
    For the days that you spend in a hospital room instead of your own bed.
    from RM100 up to RM400per day
    • Pre-Hospitalisation Consultation
      What's covered for medical consultation prior to hospitalisation or day care.
      As Charged within 31 days before hospitalisation
    • Intensive Care Unit (ICU)
      Worsening conditions may require critical care in the specialised hospital ward.
      As Charged per day
    • 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 including post-surgery care up to 31 days
    • 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 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 after 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 RM30000per disability
    • Outpatient Cancer Treatment
      Charges covered for consultation, examination tests and prescribed drugs if you are diagnosed with cancer.
      from RM10000 up to RM30000per 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
View more coverage details +


How much your premiums may cost

  • Budget Planner

    Growing up in a poor family, Mr. Chin who is 35 this year controls his spending strictly. So, is looking for a plan with better annual premiums.

    Suggested PremiumRM373.10
    Get Quote
  • Retiree

    Jay is in his 60s and has finally retired. An average plan which he can afford is what he needs, especially with an annual premium so that he can make lump sum payments. 

    Suggested PremiumRM1303.10
    Get Quote
  • VIP

    Nothing is expensive to 56 years old Jimmy, he is on top of the world and wants the top coverage!

    Suggested PremiumRM2281.10
    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

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]

Medical Assistance Hotline & Services


Am I eligible to apply for this insurance?

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

Frequently Asked Questions about Pacific Medi-Major Medical Card

Things you might want to know

What is the main highlights of this insurance plan?

The Medi-Major insurance policy from Pacific Insurance is an affordable medical plan which offers comprehensive coverage for as low as 47 sen a day. This policy can be used as a "top up" to compliment 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?

This medical 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 policy?

Pacific Medi-major 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 policy covers overseas treatment?

You will be covered if you face a medical condition that cannot be treatment within the country, and require transfer to a hospital outside of Malaysia. Be aware that this policy offers protection only if you stay abroad no more than 90 days starting from the date of travel.

Can I cancel my policy?

Absolutely. 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.

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