What do I need to know about Health Care Supreme?
This is a medical insurance rider which you can add on to any Tokio Marine individual life policy or investment-linked policy. Health Care Supreme is also guaranteed for renewal each year – as long as you pay your premiums regularly you’ll always be allowed to renew your policy each year.
What's more, Tokio Marine has partnered with MiCare to make sure you get a hassle-free experience at major hospitals and medical centres across Malaysia.
How much do I need to pay for my premiums?
The premiums rates vary depending on various factors such as gender, age, occupation, and overall health. The premiums rate is also higher for older age groups.
Can I get payment discounts?
Yes! You can enjoy discounts of up to 15% if you stay healthy throughout your policy’s coverage.
This is how the discount works - On your first renewal you are entitled to a 5% discount on your premiums, followed by a 10% discount on your second renewal. For third and subsequent renewals, you’ll get a discount of 15%.
Will I get outpatient benefits?
Yes, outpatient benefits are available for you. Coverage benefits provided by Health Care Supreme includes cancer and kidney dialysis treatment.
How can I increase my coverage limit?
There are 2 options to enhance your protection. First, you can choose to increase your room and board limit by 50%.
Second, you can choose to upgrade your annual coverage limit by 50% and increase your lifetime limit by up to 10 times of your annual coverage. It's your choice.
Am I covered when traveling overseas?
Yes, you will be covered even when you're overseas, provided that you do not stay longer than 90 consecutive days outside of Malaysia.