Tokio Marine

Underwritten by Tokio Marine Life Insurance Malaysia Bhd.

Tokio Marine Health Care Supreme

Be rewarded for staying healthy! Get high premium discount at renewal with 24-hour protection, worldwide coverage, and extra death and total disability benefits.

    • Investment-Linked Policy
    • Hospital Accommodation Up To 150 Days
    • 3 Years No Claim Bonus At 15%
    • 15-Day Cancellation Refund


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 RM75000 up to RM300000
  • Lifetime Limit
    Know your lifetime limit, your medical card expires if you reached this amount.
    from RM750000 up to RM3000000
  • 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 up to RM400per day
    • Pre-Hospitalisation Consultation
      What's covered for medical consultation prior to hospitalisation or day care.
      As Charged
    • Medication and Treatment
      Charges for the medicine and therapy that go towards helping you feel 100% again.
      As Charged
    • Intensive Care Unit (ICU)
      Worsening conditions may require critical care in the specialised hospital ward.
      As Charged 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
    • In-Hospital Physician Visits
      This is the limit for the visits from the hospital doctors that are covered by your medical plan.
      As Charged
    • Outpatient Kidney Dialysis Treatment
      Charges covered for consultation, examination tests and prescribed drugs if you are diagnosed with kidney failure.
      from RM15000 up to RM30000
    • Outpatient Cancer Treatment
      Charges covered for consultation, examination tests and prescribed drugs if you are diagnosed with cancer.
      from RM30000 up to RM60000
    • Organ Transplant
      Cost insured if you get an organ tranplant and surgery charges.
      from RM30000 up to RM60000per lifetime
    • Day Surgery
      For surgical procedures that do not require you to spend the night in a hospital bed.
      As Charged
    • Emergency Accidental Outpatient Treatment
      Cover for emergency outpatient treatment and follow up due to an accident.
      from RM500 per session
    • Funeral Benefits
      Cash compensation for funeral expenses if policyholder passes away during cover period.
      from RM5000
    • accidentalDeath
      Coverage benefit for family if policyholder passes away due to an accident.
      from RM50000
    • Emergency Dental Treatment
      Emergency benefit for dental-related surgery and treatment due to accident.
      from RM500 per session
    • 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 RM200
    • Insured Child Guardian Benefit
      Reimbursement of expenses for parents or guardians of children who are admitted into the hospital ward.
      from RM200 up to RM500per disability
    • Home Nursing Care
      How much you're allowed to claim for care from a government-licensed nurse at your home.
      from RM100 up to RM250per day
    • Government Service Tax (GST)
      GST charges for medical costs that are covered by your health insurance plan.
      As Charged
    • Medical Report Fee
      Charges for medical report for diagnostic tests, treatment and surgery.
      from RM50 per disability
    • Permanent Total Disablement
      Compensation for total and permanent disablement due to sickness.
      from RM10000
View more coverage details +


How much your premiums may cost

  • Budget Planner

    18 years old Jacob wants a medical plan while he's at the pink of health to save on unnecessary charges.

    Suggested PremiumRM426.00
    Get Quote
  • Homemaker

    Mary is a 40 years old dedicated full-time mum. Her filial children wants to buy her a good medical card as a note of appreciation.

    Suggested PremiumRM971.00
    Get Quote
  • VIP

    Mahmud who has turned 31 is having the time of his life. He wants nothing less than a premium plan.

    Suggested PremiumRM1067.00
    Get Quote

Actual premium rates will be determined by Tokio Marine Life Insurance Malaysia Bhd. and may vary from what is suggested based on age, sex, occupation, lifestyle habits and other factors.

How to Claim

Learn how to make a claim the easy way without having to go through an arduous process.

  1. To initiate a claim, you have to first notify Tokio Marine of your incident as soon as you can by reaching them at 03 2059 6188 or via email - [email protected]
  2. Download a claim form here which has to be completed by you and your attending doctor.
  3. They will request some documents from you, get them ready beforehand:

a) Original bills

b) Original receipts

c) Copy of passport - for overseas claims

d) Medical report

  1. Attach the supporting documents together with the completed claim form and submit them to the Tokio Marine branch closest to you. Rest assured that they will evaluate your claim professionally and keep you updated of the progress.
Medical Assistance Hotline & Services
 +60376608330 24 hours medical insurance protection
Tokio Marine Customer Care Hotline


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 80 years of age

You can attach your policy with the following insurance policies

Tokio Marine Medic Plus
Tokio Marine Medic Partner Plan
Tokio Marine Premier MedicPartner

Frequently Asked Questions about Tokio Marine Health Care Supreme

Things you might want to know

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 centers 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.

Read More