Underwritten by QBE Insurance (Malaysia) Berhad

QBE Medi Charge Cover

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

Apply online now for QBE Medi Charge Cover

RinggitPlus will help you every step of the way.

By typing your contact information, you agree to our Terms of Use. We respect your privacy and are committed to handle your personal information safely and responsibly.

You've almost completed your application for QBE Medi Charge Cover

To help you get the most out of your medical card we’ll need to ask you a few questions.
Confirm your application

Oops. We can't seem to get a quote for you for a while there. Please click "Get Quote" again.

Your qualifications have not met the requirements of this policy. Don’t worry, you can still check other insurance policies

Please fill in all fields and enter a valid email

Thank you for applying with RinggitPlus!

We’ve sent you an email to help you complete your application!

Continue to QBE website

If you have any questions let us know at [email protected], we'd love to help!

Follow us to keep in touch and not miss out on offers and promotions.


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 cost for ECG, X-rays and other laboratory tests to diagnose your symptoms.
    As Charged
  • Room & Board
    For the days that you spend in a hospital room instead of your own bed.
    from RM450 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.
      from RM900 per day
    • 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
    • Post-Hospitalisation Treatment
      This covers your follow up treatment after your discharge from hospital or day care surgery.
      As Charged
    • Outpatient Kidney Dialysis Treatment
      Charges covered for consultation, examination tests and prescribed drugs if you are diagnosed with kidney failure.
      from RM30000 per year
    • Outpatient Cancer Treatment
      Charges covered for consultation, examination tests and prescribed drugs if you are diagnosed with cancer.
      from RM50000 per 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 RM8000
    • 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 RM225 per day
    • Insured Child Guardian Benefit
      Reimbursement of expenses for parents or guardians of children who are admitted into the hospital ward.
      from RM600 per day
    • Home Nursing Care
      How much you're allowed to claim for care from a government-licensed nurse at your home.
      from RM200 per day
    • Medical Report Fee
      Charges for medical report for diagnostic tests, treatment and surgery.
      from RM40
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

    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.

    Panel Hospitals

    Find a hospital or clinic near you!

    No hospital is currently accepting this medical card


    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

    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 65th birthday.

    Read More