Pacific Insurance

Underwritten by The Pacific Insurance Berhad

Pacific Medi-Major

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

Apply online now for Pacific Medi-Major

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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
  • Diagnostic Tests
    This covers the costs for X-rays, blood tests, and MRI scans when your symptoms are being diagnosed.
    As Charged per day
  • Room & Board
    For the nights that you spend in a hospital room instead of your own bed.
    from RM100 up to RM400per day
    • Specialist Consultation
      When your doctor recommends that you get the expert opinion of a specialist.
      As Charged per day
    • 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
    • Surgeon Fees
      How much your medical card covers for surgical procedures, minor and major.
      As Charged per day
    • Anesthetist 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
      To help you recuperate after you've been discharged from the hospital.
      As Charged per day
    • Outpatient Kidney Dialysis Treatment
      How much your insurer will cover for dialysis if you suffer kidney failure.
      from RM10000 up to RM30000per disability
    • Outpatient Cancer Treatment
      Inclusive of costs for chemotherapy and other treatments 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 ambulance ride to the hospital and paramedic support.
      As Charged
    • Home Nursing Care
      How much you're allowed to claim for home nursing care due to sickness or injury.
      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. He wants the cheapest of all.

    Suggested PremiumRM169
    Get Quote
  • Retiree

    Jay is in his 60s and has finally retired. An average plan which he can afford is what he needs.

    Suggested PremiumRM498
    Get Quote
  • VIP

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

    Suggested PremiumRM713
    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.

Suggested Premium is inclusive of 6% GST

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

Medical Assistance Hotline & Services

Panel Hospitals

Find a hospital or clinic near you!


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

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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