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.