Tokio Marine iHealth+ Medical Card

A comprehensive medical insurance plan with the option to get expert medical advise, no claim bonuses, and post-hospitalisation treatment to help your recovery!

Tokio Marine iHealth+ Medical CardNo Annual Limit
Annual Limit
Not applicable
Lifetime Limit
up to RM3m
Room & Board
up to RM600
Coverage Age
30 days - 70 years
Investment-Linked Plan
No

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Coverage

How much you can claim for hospital bills

Annual Limit
Not applicable
Lifetime Limit
from RM650k up to RM3m
Pre-Hospitalisation Diagnostic Tests
As charged within 30 days before hospitalisation
Room & Board
from RM100 up to RM600per day
Surgical Fees
As charged 
Pre-Hospitalisation Consultation
As charged 
Intensive Care Unit (ICU)
As charged 
Hospital Services and Supplies
As charged 
Anaesthetist Fees
As charged 
Operating Theatre Fees
As charged 
In-Hospital Physician Visits
As charged max 2 visits per day
Post-Hospitalisation Treatment
As charged within 90 days after discharge
Outpatient Kidney Dialysis Treatment
As charged 
Outpatient Cancer Treatment
As charged 
Organ Transplant
from RM30k up to RM60konce per lifetime
Day Surgery
As charged 
Emergency Accidental Outpatient Treatment
from RM1k up to RM4k
Funeral Benefits
up to RM5kexcept for Plan 1 & Plan 2
Ambulance Fees
As charged 
Cash Allowance at Government Hospital
from RM50 up to RM200per disability
Home Nursing Care
from RM100 up to RM250up to 150 days per policy year
Government Service Tax (GST)
As charged 
Medical Report Fee
from RM50 per disability

Features

Additional benefits with this insurance

Co-insurance
Up to 20%
No Claim Bonus
3 years no claim bonus at 10%
Refund
15 days cancellation refund
Hospital Accommodation
Up to 150 days

How to Claim

Who do I contact if I have a question or emergency?

Medical Assistance Hotline & Services
Tokio Marine Customer Care Hotline

Requirements

Minimum Entry Age
At least 30 days of age
Maximum Entry Age
At most 70 years of age
Coverage Expiry Age
At most 90 years of age

More Information

What's so special about Tokio Marine iHealth+ medical card?

iHealth+ is a medical insurance rider which you can add on to another insurance policy with Tokio Marine. 

You’ll receive expert medical opinions, coverage for post-hospitalisation and there is no annual limit on your plan. Instead, these benefits will be capped based on your lifetime limit.

Don’t make any claims from Tokio Marine and you’ll also be rewarded with a 10% no claim bonus after 3 years, and up to a maximum increment of 50%. 

Once a no claim bonus has been awarded, you will need to wait for another 3-year cycle to be entitled to another one.

Who can sign up?

Tokio Marine iHealth+ is open to anyone aged between 30 days and 70 years old. 

If you're a foreigner, you can also apply this medical insurance rider provided that you have a permanent Malaysian correspondence address.

Will I be covered when I'm travelling overseas?

You’re eligible for coverage anywhere in the world as long as your trip does not exceed 90 consecutive days.

Are my premiums guaranteed?

The premiums rates for iHealth+ are not guaranteed. If there are any revisions to your insurance charges, Tokio Marine will inform you in writing at least 90 days in advance.

Do I need to pay for hospitalisation?

Yes, but only if you fall into one of these categories:

If your yearly claims exceed 10% of your lifetime limit, you’ll have to pay 20% of total expenses if you are subscribed for Plan 1, 2 or 3 and 10% for Plan 4, 5 or 6.

If your hospital room and board charges exceed your plan's coverage you’ll have to pay 20% of the co-payment, and the different between what is covered in your plan. 

Charges cannot exceed RM1000. 

Can I get tax relief on this policy?

Yes, you’ll be eligible for income tax relief of up to RM3,000 a year with iHealth+.