Tokio Marine

Underwritten by Tokio Marine Life Insurance Malaysia Bhd.

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!

    • Co-Insurance Up To 20%
    • Hospital Accommodation Up To 150 Days
    • 3 Years No Claim Bonus At 10%
    • 15-Day Cancellation Refund

Life's Too Short to Pay the Wrong Insurance. Get Free Consultation Now!

Life's Too Short to Pay the Wrong Insurance. Get Free Consultation Now!


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.
    Not Applicable
  • Lifetime Limit
    Know your lifetime limit, your medical card expires if you reached this amount.
    from RM650000 up to RM3000000
  • Pre-Hospitalisation Diagnostic Tests
    This covers the costs incurred for diagnostic X-ray, laboratory examination and scans.
    As Charged within 30 days before hospitalisation
  • Room & Board
    For the days that you spend in a hospital room instead of your own bed.
    from RM100 up to RM600per day
    • Pre-Hospitalisation Consultation
      What's covered for medical consultation prior to hospitalisation or day care.
      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
    • 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 max 2 visits per day
    • Post-Hospitalisation Treatment
      This covers your follow up treatment after your discharge from hospital or day care surgery.
      As Charged within 90 days after discharge
    • Outpatient Kidney Dialysis Treatment
      Charges covered for consultation, examination tests and prescribed drugs if you are diagnosed with kidney failure.
      As Charged
    • Outpatient Cancer Treatment
      Charges covered for consultation, examination tests and prescribed drugs if you are diagnosed with cancer.
      As Charged
    • Organ Transplant
      Cost insured if you get an organ tranplant and surgery charges.
      from RM30000 up to RM60000once per 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 RM1000 up to RM4000
    • Funeral Benefits
      Cash compensation for funeral expenses if policyholder passes away during cover period.
      up to RM5000 except for Plan 1 & Plan 2
    • 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 RM200per 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 RM250up to 150 days per policy year
    • 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
View more coverage details +


How much your premiums may cost

    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

    Medical Assistance Hotline & Services
    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 70 years of age
    Coverage Expiry Age
    At most 90 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 iHealth+ Medical Card

    Things you might want to know

    What's so special about iHealth+?

    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 for 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+.

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