Tune Protect PRO-Health Medical

Choose from 4 plans with annual limits of up to RM150,000 and get covered for hospitalisation and surgical expenses. Additional perks include easy cashless admission with the Tune Protect mobile app, an extra allowance for mosquito-borne diseases, and coverage for alternative and chiropractic treatment.

Tune Protect PRO-Health MedicalHospitalisation & surgery coverage
Annual Limit
up to RM150k
Lifetime Limit
No limit
Room & Board
up to RM250
Coverage Age
From 18 years
No. of Panel Hospitals
Investment-Linked Plan


How much you can claim for hospital bills

Annual Limit
from RM30k up to RM150k
Lifetime Limit
No limitup to 65 years old
Pre-Hospitalisation Diagnostic Tests
As charged 60 days prior to hospitalisation
Room & Board
from RM150 up to RM250per day, up to 150 days a year
Surgical Fees
As charged post-surgery care up to 60 days following date of discharge
Pre-Hospitalisation Consultation
As charged within 60 days before hospitalisation, and first time consultation only
Intensive Care Unit (ICU)
As charged per day, up to 50 days a year
Hospital Services and Supplies
As charged 
Day Care Surgery
As charged post surgery care up to 60 days after discharge
Anaesthetist Fees
As charged 
Operating Theatre Fees
As charged 
In-Hospital Physician Visits
As charged maximum 2 visits per day, up to 150 days
Diagnostic and Physiotherapy Procedures
As charged out-patient, within 60 days from hospital discharge
Post-Hospitalisation Treatment
As charged out-patient, within 60 days from hospital discharge
Ambulance Fees
As charged by road only
Cash Allowance at Government Hospital
up to RM100per day, maximum 60 days
Medical Report Fee
up to RM100


Additional benefits with this insurance

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
Tune Protect Malaysia Customer Care Hotline

You can make a claim at the comfort of your home and anywhere easily via Tune Protect mobile app or the website. Here are the steps:

Via Tune Protect mobile app:

  • Ready a copy of your NRIC and bank statement
  • Click on your e-medical card and select “Claim”
  • Fill in your details and select the claim you’re making
  • Upload all the necessary documents

Via website:

  • Ready a copy of your NRIC and bank statement
  • Log in to your account
  • Go to your profile and select “Policies”
  • You’ll find all your policies here, then click on “Claim”
  • Fill in your details and select the claim you’re making
  • Upload all the necessary documents

For more details on how to make a claim and the required documents for other specific benefits, kindly check out this starter kit.


Minimum Entry Age
At least 18 years of age
Maximum Entry Age
At most 45 years of age
Maximum Renewal Age
At most 65 years of age

More Information

How can Tune Protect PRO-Health Medical Card benefit me?

When it comes to our health, we should never take it lightly especially considering that medical expenses nowadays are getting more expensive. This is where a medical insurance plan may come in useful.

Tune Protect PRO-Health Medical is a cashless online medical insurance plan that provides coverage for hospitalisation and surgical expenses -- perfect for those who have yet to own a medical card or would like to add a little extra coverage to their existing medical insurance.

Plus, there are 4 levels of coverage that you can choose from, so you can get the ones that best fits your current lifestyle and commitments. These include Plan 30, Plan 60, Plan 100, and Plan 150, each with annual limits ranging from RM30,000 up to RM150,000.

As for the coverage, you can rest assured that if you are admitted to the hospital due to sickness or accident, you will be covered for In-Patient, Out-Patient, and Daycare Surgical Procedures.

Another highlight is that this medical insurance also allows for hassle-free hospital admission as you can go cashless and just flash your e-medical card via Tune Protect mobile app.

What other perks are included?

Besides your hospitalisation and surgical expenses, the plans also offer an allowance for mosquito-borne diseases should you be diagnosed with either Dengue, Zika Virus Fever, Malaria, Chikungunya Fever or Japanese Encephalitis. Depending on the type of coverage plan, you will also get a lump sum allowance ranging from RM750 up to RM1,500 for this illness.

Another perk that Tune Protect PRO-Health Medical offers is coverage for Alternative and Chiropractic Treatments. Should you seek extra treatment as part of your recovery journey after hospitalisation, this benefit covers you from a minimum of RM500 up to RM1,000 depending on your chosen plan.

Tell me more about the premiums that I have to pay

The premiums that you would have to pay will depend solely on your chosen plan, your age and the annual limit. You can pay for your premiums easily via credit/debit card or online banking. It is also worth noting that monthly payments are not yet available on the platform, so you would need to pay for the plan annually.

Kindly note that the premium rates shown below are not inclusive of RM10 Stamp Duty and are before the 15% rebate that you’ll get for purchasing PRO-Health Medical directly online. 

Click here to check out the premium rate table brochure.

Age on next birthday (years) Annual Gross Premium (RM)
Plan 30 Plan 60 Plan 100 Plan 150
18-20 447 493 516 600
21-25 598 658 691 804
26-30 598 658 691 804
31-35 621 683 756 880
36-40 815 895 997 1097
41-45 991 1088 1282 1336
46-50* 1213 1372 1791 1930
51-55* 1505 1765 2253 2422
56-60* 2159 2702 3803 4285
61-65* 2806 3513 4948 5577

*for renewal policies only

Who can apply for Tune Protect PRO-Health Medical Card?

Both Malaysian and non-Malaysian citizens can apply for this medical insurance if they are between 18 years old to 45 years of age. As for renewal purposes, you must be a maximum of 65 years old on your next birthday to be eligible.

No medical check-up is required upon application, you just need to answer some questions to get started. However, do note that those with pre-existing medical conditions and who are engaged in extra hazardous occupations are not eligible to apply for PRO-Health Medical by Tune Protect. More details on the ineligible medical conditions and occupations can be found on their website.

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