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+.