Tokio Marine

Underwritten by Tokio Marine Insurans (Malaysia) Berhad

Tokio Marine Medic Plus

Have complete financial support when your heath decides to let you down. Your policy will pay the cost of your medical treatment which would otherwise burden your finances.

    • Deductible Up To RM10000
    • 15-Day Cancellation Refund

Apply online now for Tokio Marine Medic Plus

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Coverage

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 RM50000 up to RM150000
  • Lifetime Limit
    Know your lifetime limit, your medical card expires if you reached this amount.
    from RM250000 up to RM750000
  • Diagnostic Tests
    This covers the costs for X-rays, blood tests, and MRI scans when your symptoms are being diagnosed.
    As Charged
  • Room & Board
    For the nights that you spend in a hospital room instead of your own bed.
    from RM150 up to RM500per day
    • Specialist Consultation
      When your doctor recommends that you get the expert opinion of a specialist.
      As Charged
    • Intensive Care Unit (ICU)
      Worsening conditions may require critical care in the specialised hospital ward.
      As Charged
    • Hospital Services and Supplies
      Charges for the sterilised bandages, intravenous drips, blood packs and other services while hospitalised.
      As Charged
    • Surgeon Fees
      How much your medical card covers for surgical procedures, minor and major.
      As Charged
    • Anesthetist 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
    • Post Hospitalisation Treatment
      To help you recuperate after you've been discharged from the hospital.
      As Charged
    • Outpatient Kidney Dialysis Treatment
      How much your insurer will cover for dialysis if you suffer kidney failure.
      from RM20000 up to RM50000per year
    • Outpatient Cancer Treatment
      Inclusive of costs for chemotherapy and other treatments if you are diagnosed with cancer.
      As Charged
    • Physiotherapy
      In case you need physiotherapy following injury or sickness, written recommendation from your doctor is required.
      As Charged
    • Organ Transplant
      Cost insured if you get an organ tranplant and surgery charges.
      As Charged
    • accidentalDeath
      Coverage benefit for family if policyholder passes away due to an accident.
      from RM5000 up to RM10000
    • Home Nursing Care
      How much you're allowed to claim for home nursing care due to sickness or injury.
      As Charged
View more coverage details +

Premiums

How much your premiums may cost

  • Fresh Graduate

    Mrs. Low is helping her 23 years old daughter, Shu Ching who had just graduated to get a basic medical card until she can afford it herself.

    Suggested PremiumRM169
    Get Quote
  • Homemaker

    43 years old Sarah is looking for a healthcare insurance to protect herself and her family from unexpected hefty medical bills.

    Suggested PremiumRM292
    Get Quote
  • Retiree

    George who has just retired at the age of 58 wants a medical plan regardless of the premium so he can live his life with less worries.

    Suggested PremiumRM589
    Get Quote

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

Suggested Premium is inclusive of 6% GST

How to Claim

Tokio Marine has made the claim submission process easier than ever, it can be done in just a few simple steps as below:

Notify Tokio Marine of the incident that's resulting in a claim within 30 days from discharge. Provide them with details such as your policy number, name of claimant, hospital name and admission date.

A claim form is essential to substantiate your claim, complete the relevant fields and have your attending doctor to fill up the last part of the form.

Also, they'll need some documents from you:

  • Medical report
  • Original itemised bill
  • Original receipt
  • Referral letter for pre-hospitalisation tests and consultation if any

Finally, attach the documents with the completed claim form and pass them over to your nearest Tokio Marine branch. That's a wrap!

Get in touch with Tokio Marine with the contact details below:

Medical Assistance Hotline & Services
 +60376608330
Tokio Marine Customer Care Hotline
 1800880812

Panel Hospitals

Find a hospital or clinic near you!

Requirements

Am I eligible to apply for this insurance?

Minimum Entry Age
At least 1 year of age
Maximum Entry Age
At most 65 years of age
Maximum Renewal Age
At most 70 years of age
Coverage Expiry Age
At most 70 years of age

Frequently Asked Questions about Tokio Marine Medic Plus

Things you might want to know

What is Tokio Marine Medic Plus?

Tokio Marine Medic Plus is designed to off-set the ever increasing costs of your medical bills. It will provide you with benefits encompassing all your hospitalisation and surgical treatment - from kidney dialysis to specialist consultation sessions, Tokio Marine has got it all thought out.

With 4 different plans to choose from, with proper planning, you can keep your premium payments low and get only the types of benefits that you need. Besides, you can always choose to upgrade for a plan with a higher limit in the future.

Who is eligible to apply?

All Malaysians and permanent residents are encouraged to apply for this policy as long as you are at least 1 year old, but not exceeding 65.

When can I start making claims?

Your coverage will start the day your proposal form and premium payments are accepted by Tokio Marine. However, you will need to wait at least 30 days waiting period for sickness and illness claims.

How to make a claim to Tokio Marine?

There are a few steps that you need to follow to make an effective claim:

  • Notify Tokio Marine and provide details such as your policy number, name, hospital name, date or admission or incident, and diagnosis no later than 30 days after the event.
  • Seek medical attention as soon as possible from a registered healthcare provider
  • A police report is necessary if you were involved in a vehicle accident of fatal accident.

Am I covered outside of Malaysia?

It depends on your medical condition. You will be covered for emergencies and non-chronic illnesses outside of Malaysia for up to 90 days only starting from the very first day of your trip.

I need medical attention at home, can a qualified nurse come over during the day?

Of course. Good news is, you will be reimbursed for the professional services given by the qualified and licensed nurse. Depending on your medical condition and treatment, you can be insured for home nursing care for up to 60 days.

What are my deductible and co-insurance options?

This is the amount you need to pay before Medic Plus starts paying for your hospitalisation fees. This medical plan offers a deductible amount of RM10,000 or only RM5,000 at government hospitals.

If you go under the knife at a government hospital and the resulting bill is RM7,000, your insurance company will only pay RM2,000 - but the good thing is that you will pay a lower premium amount!

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