QBE Medi Charge Cover Medical Card

QBE Insurance gives you medical coverage for the cost incurred for hospitalization if you had any accidents or health problems.

- Deductible Up To RM5000
- Refund On Early Cancellation

Coverage
Premiums
How to Claim
Requirements
Guide / FAQ
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2019-06-112019-12-31

Apply online now for QBE Medi Charge Cover Medical Card

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I want to get a medical card from QBE.

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Coverage

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 RM40000 up to RM150000
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 within 31 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 150 days per disability
- Consultation & Diagnostic Procedures
  As Charged within 31 days before hospitalisation
- Pre-Hospitalisation Consultation
  What's covered for medical consultation prior to hospitalisation or day care.
  As Charged within 31 days before hospitalisation
- Intensive Care Unit (ICU)
  Worsening conditions may require critical care in the specialised hospital ward.
  from RM200 up to RM900per day, up to 30 days per disability
- 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 pre-surgical & post-surgical, 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
- Post-Hospitalisation Treatment
  This covers your follow up treatment after your discharge from hospital or day care surgery.
  As Charged within 31 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 RM10000 up to RM50000per year
- Organ Transplant
  Cost insured if you get an organ tranplant and surgery charges.
  from RM20000
- Emergency Dental Treatment
  Emergency benefit for dental-related surgery and treatment due to accident.
  from RM2000 up to RM8000within 24 hrs of an accident, follow-up up to 14 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 RM50 up to RM225per day, up to 75 days
- Insured Child Guardian Benefit
  Reimbursement of expenses for parents or guardians of children who are admitted into the hospital ward.
  from RM200 up to RM600per day, below 15 years
- Home Nursing Care
  How much you're allowed to claim for care from a government-licensed nurse at your home.
  from RM60 up to RM200per day, up to 75 days per disability
- Medical Report Fee
  Charges for medical report for diagnostic tests, treatment and surgery.
  from RM40

View more coverage details +

Premiums

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

Before going to make a claim with QBE you will need a few things per the list below. But 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.

Medical Assistance Hotline & Services: 60378618400
QBE Customer Care Hotline: +60378618400

Requirements

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 Medi Charge Cover Medical Card

Things you might want to know

What is the QBE Medi Charge Cover?

This is a medical insurance coverage meant to help supplement your income when you need to pay hospital bills and are looking to get some sort of medical treatment. It comes with extensive coverage and protection as and when you need it with hassle-free claims and a deductible of up to RM5000.

What does the policy cover?

Well much like other medical insurance policies, it will offer you financial coverage for room and board, all diagnostic and specialist test and consultation, as well as the use of all hospital equipment. that includes, surgical fees, anesthetic fees and the use of the ICU. So, rest assured, when you need it, the insurance will work in your favor.

Other that hospital charges, this policy also looks out for you, should you need outpatient care for a serious illness, injury or surgery. It will cover out-patient kidney dialysis treatment, that is usually a regular occurrence in kidney patients as well as out-patient cancer treatment. These are both long term treatment programmes, and can be strenuous on anyone’s budget, so having it be covered by an insurance policy should be helpful.

Since this is one of the more comprehensive covers offered by QBE, you will have emergency dental care should you find yourself in a situation where you require reconstructive dental surgery. Apart from that, the policy offered coverage or benefits for organ transplants in case you are one of the more severe cases. And not to worry, these major surgeries can be taxing and sometime you will require additional care, which is why with the policy you will have access to post hospitalization care and home nursing should the need arise.

How much premium do I have to pay?

Unfortunately, QBE does not actively display their premium rates, therefore you will need to have a sit down with either an insurance representative or agent from QBE to find out your customized premium.

Premium calculation will be based on a number of factors, including your age, financial situation and more importantly your health. Therefore, remember that your premium rates may differ to other people’s simply because you are an individual and the rates are made to suit your needs and capabilities.

Who can apply for this policy?

Since this is an individual policy, anyone over the age of 18 can apply for it, however, that doesn’t mean you can’t purchase independent plans for your children as well. If you are a parent going down that route then your child will need to be over the age of 30 days old to be eligible.

Maximum entry age for this policy is 60 years old and you have already had the policy before then, you can continue to renew it till your 65^th birthday.