(Updated: 13 October 2026)
Who Is Suitable To Buy Medic Plus?
Medic Plus has five plans, MPA to MPE, with annual limits from RM50,000 to RM150,000. It's a hospital and surgical medical card, also called medical insurance or health insurance, from Tokio Marine Insurans (Malaysia) Berhad. It pays eligible hospital and surgery bills after you pay a deductible, and the card offers cashless admission at panel hospitals. Tokio Marine says it helps cover the costs left over when your existing cover limits run out.
Medic Plus suits you if you already have hospital cover, such as an employer plan, and want affordable extra cover for large hospital bills. Plan MPA pays up to RM150,000 a year for RM267 at age 30, once you've paid the first RM10,000 of each illness or injury yourself. If you want a card with no deductible, or you're 65 or older, look at other plans.
You can see more plans on our medical card comparison or browse standalone medical cards. Tokio Marine's current Medic Plus brochure (June 2026) has the full benefit list.
What Are The Key Facts And Costs?
RinggitPlus compares medical card plans from Malaysian insurers and takaful operators by annual limit. The tables below use Tokio Marine's own brochure and product page.
Medic Plus Key Facts By Plan
| Plan | Annual Limit (RM) | Room and Board (RM per day) | Deductible (RM per disability) | Premium at 30 (RM per year) | Premium at 40 (RM per year) | Premium at 50 (RM per year) |
| MPA | 150,000 | 500 | 10,000 | 267 | 353 | 600 |
| MPB | 100,000 | 300 | 10,000 | 229 | 301 | 510 |
| MPC | 75,000 | 200 | 10,000 | 201 | 264 | 446 |
| MPD | 50,000 | 150 | 10,000 | 174 | 227 | 383 |
| MPE | 50,000 | 150 | 15,000 | 160 | 209 | 300 |
Medic Plus Features Shared By All Plans
| Featue | Detail |
| Lifetime limit | No limit |
| Waiting period | 30 days for sickness, 120 days for specified illnesses |
| Entry age | From 30 days old, up to the year before you turn 65 |
| Renewal age | Up to 100 |
| Panel hospitals | 114 (Tokio Marine list for individual policyholders, updated October 2024) |
RinggitPlus checked these limits, deductibles and premiums against Tokio Marine's Medic Plus brochure and product page on 13 October 2026, the date this page was last updated. The premium rates took effect on 1 June 2026, and Tokio Marine's page says its information is accurate as of that date.
Tokio Marine prices are based on the age you'll be at your next birthday. The premium columns show what someone who is 30, 40 or 50 today pays. The rates assume standard health, so Tokio Marine may charge extra for health conditions, and they exclude RM10 stamp duty. Tokio Marine adds 15% if your job falls under its Class 3 occupations. The brochure doesn't list which jobs those are, so ask Tokio Marine or your agent before you apply. Men and women pay the same, and corporate or group policies get a 5% discount on the premium but pay 8% service tax.
The deductible is the part of each bill you pay yourself before Medic Plus starts to pay. It's RM10,000 a year for each illness or injury (RM15,000 on Plan MPE, and RM5,000 at a government hospital). If a private hospital bill under Plan MPA reaches RM60,000, you pay the first RM10,000 and the plan pays the other RM50,000. This applies only if Tokio Marine accepts the whole bill as a normal charge for the treatment. If family members are hurt in the same accident, only one deductible applies.
Pros And Cons Of Medic Plus
RinggitPlus drew these points from Tokio Marine's brochure and product page.
Pros
- Plan MPA gives you a RM150,000 annual limit for RM267 a year at age 30.
- There's no lifetime limit on what the plan pays over the years.
- Men and women pay the same premium.
- You can renew up to age 100 without re-declaring your health.
- It covers outpatient cancer treatment, kidney dialysis and organ transplants, plus physiotherapy and home nursing after you leave hospital.
Cons
- The deductible is RM10,000 or RM15,000 per illness or injury each policy year, and RM5,000 at a government hospital.
- Premiums aren't guaranteed. The table shows today's rates, and Tokio Marine can change them at renewal. Plan MPA costs RM267 a year at age 30, RM353 at age 40, RM600 at age 50 and RM918 at age 64.
- You can't apply once you're 65 years old.
- Medic Plus covers outpatient care only for cancer treatment, kidney dialysis (RM20,000 to RM50,000 a year by plan) and follow-up after a hospital stay. The brochure lists no cover for routine clinic visits.
- Overseas, it covers only emergencies and non-chronic illnesses with a written referral, for up to 90 days after you leave Malaysia.
What Medic Plus Doesn't Cover
- Sickness in the first 30 days
- Pre-existing conditions, except those you declare and Tokio Marine accepts without conditions, which are covered after 12 months
- Specified illnesses in the first 120 days, such as hypertension (high blood pressure), heart disease, diabetes, cancers and tumours
- Ear, nose and throat conditions, hernias, endometriosis, and spinal and knee conditions in the first 120 days
- Cosmetic surgery, dental conditions and refractive errors, unless caused by an accident
- Conditions you're born with (congenital abnormalities) and pregnancy-related conditions
- Mental or nervous disorders, drug addiction and self-inflicted injuries
- AIDS and sexually transmitted diseases
- Expenses that aren't medically necessary, investigative procedures, weight control, sexual dysfunction, medical check-ups, DNA tests and preventive treatment
- Racing (other than foot racing), professional sports and underwater activities
- Nuclear or military-related activities and criminal activities
- The cost of acquiring an organ and any donor costs, with the transplant benefit payable once per lifetime
This list comes from the brochure's general exclusions, so check the policy document for the full wording. If your policy lapses and you reapply, the exclusions and waiting periods start again from the beginning.
Two Similar Plans
RinggitPlus compared Medic Plus with other plans using insurers' own brochures and sheets.
Tokio Marine Premier Medic Partner is Tokio Marine's own standalone card. Its top plan, PM500, has a RM120,000 annual limit and RM500 room and board, and its brochure lists no deductible. It costs more, at RM1,275 a year at age 30 from 2 September 2026. Medic Plus Plan MPA offers a RM150,000 limit and the same RM500 room and board, and it costs RM267 a year with a RM10,000 deductible.
MSIG FlexiHealth Plan A has the same RM50,000 annual limit as Medic Plus Plans MPD and MPE. It costs RM679 a year at age 30 with no deductible, or RM611 with a RM2,500 deductible if you pay first and claim later. Plan MPD costs just RM174 with a RM10,000 deductible. FlexiHealth Plan A pays RM200 per day for room and board against RM150, with a RM200,000 lifetime limit, whereas Medic Plus has none. MSIG's sheet is dated 1 September 2025.
Frequently Asked Questions
Is Medic Plus a standalone medical card?
Yes, it's sold as its own policy. Tokio Marine says it supplements your existing medical insurance with a second level of hospital and surgical cover. The brochure lists no condition about holding other cover. Without other cover, you'd still have to pay the first RM10,000 for each illness or injury yourself.
Is Medic Plus from Tokio Marine Life?
No. Medic Plus is sold by Tokio Marine Insurans (Malaysia) Berhad, the general insurer. Tokio Marine Life Insurance Malaysia Bhd is a separate company that sells different medical plans, such as iHealth and MedSecure. It's easy to confuse the two, so check the insurer's name on the brochure before you compare.
Who can buy Medic Plus and for how long?
Malaysians and permanent residents can apply from the age of 30 days until they turn 65. The policy renews yearly up to age 100, and you don't re-declare your health at renewal. The premium isn't guaranteed, so Tokio Marine can change it at renewal.
How do I apply for Medic Plus?
You apply with Tokio Marine's proposal form, from an agent, its Get in Touch page or the hotline on 1800 88 0812. You'll answer some health questions on the form, and cover starts on the day Tokio Marine accepts it and you've paid the premium. Tell Tokio Marine if you don't get an acknowledgement within 14 days of paying. You also have 15 days from receiving the policy to cancel for a refund, less any medical examination costs.
When can I claim?
Sickness claims start after 30 days, and claims for specified illnesses (such as hypertension, heart disease, diabetes and cancer) after 120 days. Tokio Marine covers declared pre-existing conditions it accepts without conditions after 12 months. Tokio Marine's panel hospitals give cashless admission for covered disabilities once its service provider confirms cover at admission.
