Underwritten by QBE Insurance (Malaysia) Berhad

QBE Major Medi Cover

Protect yourself against the high cost of medical treatment by getting a medical insurance. This is one of a soultion in which it can covers you for some selected hospital treatments.

    • Deductible Up To RM10000


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.
  • Lifetime Limit
    Know your lifetime limit, your medical card expires if you reached this amount.
    Not Applicable
  • Pre-Hospitalisation Diagnostic Tests
    This covers the costs incurred for diagnostic X-ray, laboratory examination and scans.
    As Charged
  • Room & Board
    For the days that you spend in a hospital room instead of your own bed.
    from RM100 per day
    • Consultation & Diagnostic Procedures
      As Charged
    • Pre-Hospitalisation Consultation
      What's covered for medical consultation prior to hospitalisation or day care.
      As Charged
    • Intensive Care Unit (ICU)
      Worsening conditions may require critical care in the specialised hospital ward.
      As Charged
    • 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
    • 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
    • Post-Hospitalisation Treatment
      This covers your follow up treatment after your discharge from hospital or day care surgery.
      As Charged
    • Ambulance Fees
      Charges for local ambulance services to and from the hospital.
      As Charged
View more coverage details +


How much your premiums may cost

    Actual premium rates will be determined by QBE Insurance (Malaysia) Berhad and may vary from what is suggested based on age, sex, occupation, lifestyle habits and other factors.

    How to Claim

    When you head over to make a claim with QBE you will need a few things per the list below. 

    However, before that you will need to get a claim form to fill in, this will be your ticket into getting your claims approved. So remember to ask for one when you call to notify them of whatever incident has occurred. The following is a list of documents you might need;

    • Medical Report
    • Original Bills and Receipts
    • Police Report if applicable
    • Copy of NRIC

    You will need to compile all these documents along with your claim form, and head on over to the nearest QBE branch or hand it off to your insurance Agent. You will need to have a copy of your business registration if you are making a claim on behalf of a company.


    Am I eligible to apply for this insurance?

    Minimum Entry Age
    At least 30 days of age
    Maximum Entry Age
    At most 60 years of age
    Maximum Renewal Age
    At most 65 years of age

    Frequently Asked Questions about QBE Major Medi Cover

    Things you might want to know

    What is the Major Medi Cover?

    This is a medical insurance policy offered by QBE insurance to help protect you from the globally rising cost of medical treatments. You never know when you might need medical coverage for one thing or rather, but when you have a proper coverage like this one, you can be guaranteed that you will be able to get the treatment you need.

    What does the policy cover?

    For the most part, this policy covers the basics as they are charged, so you won’t really have to worry much about having to cater to a limit. Your hospital room and board, along with any diagnostic tests will be covered by the policy along with all consultation fees.

    Apart from that, all hospital and surgical fees, the use of equipment, ICU and operating theaters are all taken care of as well. So, if you ever find yourself in need to extensive surgery and treatment your policy, just like your doctors will look out for you.

    Finally, if you require post hospitalization treatment after your surgery or extended stay at the hospital, that will also be covered by the policy. Which means you will only need to worry about getting better.

    What about the premiums?

    Unfortunately, QBE does not publicize their premium rates, but should you decide to pick up this policy they will customize the premium rates to you specifically. The rates will weigh in on your age, health, and income among other things, so you can be sure that you are getting the best deal possible.

    Who can apply for this policy?

    This is primarily an individual insurance so anyone over the age of 18 can pick it up, but it does have maximum entry age of 60 years old. If you already have the policy before then, you can continue to renew it till your 65th birthday.

    However, you can add children into the protection umbrella of this policy, so parents, take note that your child must be over 30 days old to be eligible for this protection.

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