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.

Pacific Medi-Pac Medical CardAge renewal
Annual Limit
up to RM100k
Lifetime Limit
up to RM500k
Room & Board
up to RM450
Coverage Age
From 30 days
No. of Panel Hospitals
Investment-Linked Plan


How much you can claim for hospital bills

Annual Limit
from RM30k up to RM100k
Lifetime Limit
from RM150k up to RM500k
Pre-Hospitalisation Diagnostic Tests
As charged within 60 days before hospitalisation
Room & Board
from RM100 up to RM450per day up to 365 days a year
Surgical Fees
As charged including post-surgery care up to 31 days
Pre-Hospitalisation Consultation
As charged within 60 days before hospitalisation
Diagnostic Tests and Specialist Consultation
As charged within 60 days before surgery
Intensive Care Unit (ICU)
As charged per day up to 30 days
Hospital Services and Supplies
As charged 
Anaesthetist Fees
As charged 
Operating Theatre Fees
As charged 
In-Hospital Physician Visits
As charged per day up to 120 days
Post-Hospitalisation Treatment
As charged within 60 days after discharge
Outpatient Kidney Dialysis Treatment
from RM10k up to RM30kper year
Outpatient Cancer Treatment
from RM20k up to RM60kper year
Organ Transplant
from RM30k per disability
Emergency Accidental Outpatient Treatment
As charged per accident, up to 60 days
Emergency Dental Treatment
As charged per accident, up to 60 days
Ambulance Fees
As charged 
Cash Allowance at Government Hospital
from RM200 per day, up to 60 days
Home Nursing Care
from RM100 up to RM200per day up to 60 days
Government Service Tax (GST)
per year
Medical Report Fee
up to RM100per disability
Traditional Medical Treatment
up to RM400


Additional benefits with this insurance

15 days cancellation refund
Hospital Accommodation
Up to 365 days

How to Claim

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

Medical Assistance Hotline & Services
Pacific Insurance Customer Care Hotline

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.


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

More Information

What is 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 medical card 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 Pacific insurance policy cover?

Within their limits, each Pacific insurance 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 medical insurance also come with some out-patient care benefits for its policyholders 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 Pacific Medi-Pac medical card are calculated on a per annum basis, which means you only need to make a payment once a year.

Who can apply for this Pacific Insurance medical card?

If you are over the legal age to be purchasing individual medical 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 Pacific Insurance 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 Pacific Medi-Pac medical card?

The Pacific Medi-Pac medical card policy comes with a waiting period of 30 days before it comes into effect.

Unless you are involved in an accident, the medical insurance plan will only allow for coverage and claims to be entertained after the waiting period is over.

You should also remember to renew your Pacific Insurance policy on time every year to ensure your continued protection.