QBE Medi Charge Cover Medical Card

QBE Medi Charge Cover Medical Card provides coverage for the hospitalisation cost incurred if you had any accidents or health problems.

QBE Medi Charge Cover Medical CardAnybody can apply
Annual Limit
up to RM150k
Lifetime Limit
Not applicable
Room & Board
up to RM450
Coverage Age
From 30 days
Investment-Linked Plan
No

Coverage

How much you can claim for hospital bills

Annual Limit
from RM40k up to RM150k
Lifetime Limit
Not applicable
Pre-Hospitalisation Diagnostic Tests
As charged within 31 days before hospitalisation
Room & Board
from RM100 up to RM450per day, up to 150 days per disability
Surgical Fees
As charged including pre-surgical & post-surgical, up to 31 days
Consultation & Diagnostic Procedures
As charged within 31 days before hospitalisation
Pre-Hospitalisation Consultation
As charged within 31 days before hospitalisation
Intensive Care Unit (ICU)
from RM200 up to RM900per day, up to 30 days per disability
Hospital Services and Supplies
As charged 
Anaesthetist Fees
As charged 
Operating Theatre Fees
As charged 
Post-Hospitalisation Treatment
As charged within 31 days after discharge
Outpatient Kidney Dialysis Treatment
from RM10k up to RM30kper year
Outpatient Cancer Treatment
from RM10k up to RM50kper year
Organ Transplant
from RM20k 
Emergency Dental Treatment
from RM2k up to RM8kwithin 24 hrs of an accident, follow-up up to 14 days
Ambulance Fees
As charged 
Cash Allowance at Government Hospital
from RM50 up to RM225per day, up to 75 days
Insured Child Guardian Benefit
from RM200 up to RM600per day, below 15 years
Home Nursing Care
from RM60 up to RM200per day, up to 75 days per disability
Medical Report Fee
from RM40 

Features

Additional benefits with this insurance

Deductible
Up to RM5,000

How to Claim

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

Medical Assistance Hotline & Services
QBE Customer Care Hotline

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.

Requirements

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

More Information

What is the QBE Medi Charge Cover?

QBE Medi Charge Cover 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. 

The QBE medical card 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 medical insurance policy cover?

Well much like other medical insurance policies, this medical insurance will offer you financial coverage for room and board, all diagnostic and specialist tests 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 than 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, which is usually a regular occurrence in kidney patients as well as an 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 medical insurance 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-hospitalisation 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.

Your medical card 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 simply because you are an individual and the rates are made to suit your needs and capabilities.

Who can apply for QBE Medi Charge medical card?

Since QBE Medi Charge medical card 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 medical insurance is 60 years old and you have already had the policy before then, you can continue to renew it till your 65th birthday.