Pacific Insurance

Underwritten by The Pacific Insurance Berhad

Pacific Medi-Pac Medical Card

Living a healthy lifestyle does not guarantee better health. Prepare yourself financially and overcome high medical cost later with Medi-Pac Insurance plan.

    • Hospital Accommodation Up To 365 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-Pac 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 RM30000 up to RM100000
  • Lifetime Limit
    Know your lifetime limit, your medical card expires if you reached this amount.
    from RM150000 up to RM500000
  • Pre-Hospitalisation Diagnostic Tests
    This covers the costs incurred for diagnostic X-ray, laboratory examination and scans.
    As Charged within 60 days before hospitalisation
  • Room & Board
    For the days that you spend in a hospital room instead of your own bed.
    from RM100 up to RM450per day up to 365 days a year
    • Pre-Hospitalisation Consultation
      What's covered for medical consultation prior to hospitalisation or day care.
      As Charged within 60 days before hospitalisation
    • Diagnostic Tests and Specialist Consultation
      Cover for the cost incurred when diagnosing your ailment, including tests and specialist charges.
      As Charged within 60 days before hospitalisation
    • Intensive Care Unit (ICU)
      Worsening conditions may require critical care in the specialised hospital ward.
      As Charged per day up to 30 days
    • 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 up to 120 days
    • 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 year
    • Outpatient Cancer Treatment
      Charges covered for consultation, examination tests and prescribed drugs if you are diagnosed with cancer.
      from RM20000 up to RM60000per year
    • Organ Transplant
      Cost insured if you get an organ tranplant and surgery charges.
      from RM30000 per disability
    • Emergency Accidental Outpatient Treatment
      Cover for emergency outpatient treatment and follow up due to an accident.
      As Charged per accident, up to 60 days
    • Emergency Dental Treatment
      Emergency benefit for dental-related surgery and treatment due to accident.
      As Charged per accident, up to 60 days
    • Ambulance Fees
      Charges for local ambulance services to and from the hospital.
      As Charged
    • Cash Allowance at Government Hospital
      Daily lump sum cash benefits for patients who spend the night at a government hospital.
      from RM200 per day, up to 60 days
    • Home Nursing Care
      How much you're allowed to claim for care from a government-licensed nurse at your home.
      from RM100 up to RM200per day up to 60 days
    • Government Service Tax (GST)
      GST charges for medical costs that are covered by your health insurance plan.
    • Medical Report Fee
      Charges for medical report for diagnostic tests, treatment and surgery.
      up to RM100 per disability
    • Traditional Medical Treatment
      Charges for treatments such as chiropractic, chiropody, homeopathy, osteopathy and acupuncture after discharge from hospital.
      up to RM400
View more coverage details +


How much your premiums may cost

  • Fresh Graduate

    23 years old Joyce who is still financially dependent on her parents only wishes to get an economic plan.

    Suggested PremiumRM473.80
    Get Quote
  • Homemaker

    A 40 years old loving full-time mum doesn't want to risk giving extra burden to the family. Emma wants an extensive plan.

    Suggested PremiumRM1286.85
    Get Quote
  • Business Traveller

    Ravin is only 36 this year and is now a regional manager. He is willing to spend on getting good medical plan.

    Suggested PremiumRM1520.05
    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

Find yourself bewildered by the complicated insurance claim procedure? It's not as complicated as you may think, we have laid it out for you, all you got to do is follow 'em!

Panel Hospital:

That just saved you from 99% of the trouble. Present your medical card at the point admission and everything will be taken care by your insurer, including your medical bills! You can just focus on getting back on your feet.

Upon discharge, you only have to pay off any amount that is not covered by your insurance policy.

Non-Panel Hospital:

  • Complete the claim form by providing your details and verification by your attending doctor.
  • Get ready the required documents such as original bill, original receipt and medical report.
  • Submit all the above via your agent, hospital or directly to Pacific Insurance.

Call their customer service hotline at 03 2176 1112 if you need any further assistance.

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 65 years of age
Maximum Renewal Age
At most 80 years of age

Frequently Asked Questions about Pacific Medi-Pac Medical Card

Things you might want to know

What is the Pacific Medi-Pac?

As the name suggests, the Pacific Medi-Pac is a medical insurance policy that is meant to be both comprehensive and affordable, with high renewal age limits and unisex age banded premium rates. This policy comes with a choice of 5 plans to ensure that you get a chance to choose the plan you want along with the coverage you want.

How much does the policy cover?

Within their limits each plan will cover hospital room and board, along with traditional medical treatment, daily cash allowances at government hospitals, medical report fees and GST. However in the case of medical care, use of equipment, surgical and operating fees, pre and post hospitalization, among other services, there is no limit imposed on the coverage of these benefits.

The plans also come with some out-patient care benefits for its policy holders in need of organ transplants due to a disability. Aside from that, the policy will cover out-patient cancer treatment and kidney dialysis treatment on a per year basis.

How do the premiums work?

As mentioned, there are 5 plans to choose from each with their own set of premiums, therefore you will have customized premiums both depending on the plans you choose, your age and financial standing. Premiums for this policy are calculated on a per annum basis, which means you only need to make a payment once a year.

Who can apply for this policy?

If you are over the legal age to be purchasing individual insurance than you can pick up one of the plans whenever you choose. There are however parents, who might want to include their kids into the policy, for this purpose parents need to take note that any child placed under the policy needs to be 30 days old to be eligible.

The maximum age limit for entering into the plan is 60 years old, but if you already have purchased the policy before your 60th birthday then you can continue to renew the plan till the age of 80.

How long before I can use it?

This policy comes with a waiting period of 30 days before it comes into effect. Unless you are involved in an accident, the plan will only allow for coverage and claims to be entertained after the waiting period is over.You should also remember to renew your policy on time every year to ensure your continued protection. 

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