Tune Insurance

Underwritten by Tune Insurance Malaysia Berhad

Tune Sihat Medical Insurance

Just present your Sihat Malaysia card at any panel healthcare providers nationwide for easy admissions. Have peace of mind with 24-hour assistance, and discount privileges for the family.

    • Deductible Up To RM20000
    • Hospital Accommodation Up To 150 Days
    • 1 Year No Claim Bonus At 10%
    • Family Discount Starting At 10%
    • Refund On Early Cancellation
View product disclosure sheet.


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 RM35000 up to RM200000
  • Lifetime Limit
    Know your lifetime limit, your medical card expires if you reached this amount.
    from RM175000 up to RM1000000
  • Pre-Hospitalisation Diagnostic Tests
    This covers the costs incurred for diagnostic X-ray, laboratory examination and scans.
    As Charged within 60 days before hospitalisation
  • Room & Board
    For the days that you spend in a hospital room instead of your own bed.
    from RM120 up to RM500per day, up to 150 days a year
    • Pre-Hospitalisation Consultation
      What's covered for medical consultation prior to hospitalisation or day care.
      As Charged within 60 days before hospitalisation
    • Second Medical Opinion
      In case you'd like the medical opinion of another physician before undergoing treatment.
      As Charged within 60 days before hospitalisation
    • Intensive Care Unit (ICU)
      Worsening conditions may require critical care in the specialised hospital ward.
      As Charged per day, up to 50 days a year
    • 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 up to 150 days and 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 60 days after discharge
    • Outpatient Kidney Dialysis Treatment
      Charges covered for consultation, examination tests and prescribed drugs if you are diagnosed with kidney failure.
      from RM5000 up to RM30000per year
    • Outpatient Cancer Treatment
      Charges covered for consultation, examination tests and prescribed drugs if you are diagnosed with cancer.
      from RM5000 up to RM30000per year
    • Outpatient Stroke Treatment
      Treatment benefit for stroke patients, not inclusive of physiotherapy and nursing care.
      from RM5000 up to RM30000per year
    • Physiotherapy
      In case you need physiotherapy following injury or sickness, written recommendation from your doctor is required.
      from RM3500 up to RM20000max 20 treatments per year
    • Organ Transplant
      Cost insured if you get an organ tranplant and surgery charges.
      from RM5000 up to RM30000per year
    • Day Surgery
      For surgical procedures that do not require you to spend the night in a hospital bed.
      As Charged up to 60 days post surgery care
    • Emergency Accidental Outpatient Treatment
      Cover for emergency outpatient treatment and follow up due to an accident.
      As Charged within 24 hours and follow-up treatment up to 30 days
    • accidentalDeath
      Coverage benefit for family if policyholder passes away due to an accident.
      from RM10000
    • Emergency Dental Treatment
      Emergency benefit for dental-related surgery and treatment due to accident.
      As Charged within 24 hours and follow-up treatment up to 14 days
    • 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 RM100 per day, up to 120 days a year
    • Insured Child Guardian Benefit
      Reimbursement of expenses for parents or guardians of children who are admitted into the hospital ward.
      As Charged per day, up to 60 days a year
    • Home Nursing Care
      How much you're allowed to claim for care from a government-licensed nurse at your home.
      As Charged up to 150 days per lifetime
    • Government Service Tax (GST)
      GST charges for medical costs that are covered by your health insurance plan.
    • Medical Report Fee
      Charges for medical report for diagnostic tests, treatment and surgery.
      from RM100
View more coverage details +


How much your premiums may cost

  • Budget Planner

    Wei Xin's is turning 26 soon. He doesn't have much cash to spare, so he wants to get a basic medical card.

    Suggested PremiumRM459.00
    Get Quote
  • Young Entrepreneur

    Camily only 36, but she's the boss of her own startup company. She'll only settle for the best cover because her personal health is her #1 priority.

    Suggested PremiumRM1435.00
    Get Quote
  • School Teacher

    Encik Soufi never worried had to worry about medical bills before, but he's turning 51 and is considering getting extra health cover when he retires.

    Suggested PremiumRM1528.00
    Get Quote

Actual premium rates will be determined by Tune Insurance Malaysia Berhad and may vary from what is suggested based on age, sex, occupation, lifestyle habits and other factors.

How to Claim

Just present your medical card at reception and enjoy free admission at any panel hospital nationwide. When it's time to check out, Sihat Malaysia has got you covered by paying the full sum of your bills - there is no need to prepare or submit claims, just pay the differences if your medical expenses exceeds your insurance coverage.

However, if you've check in at a non-panel hospital you'll have to file a claim. Luckily for you TUNE Insurance provides an online claims process which is quicker and easier for you to file a report, just follow these easy steps:

  1. Click on the following link - Tune Insurance Claims
  2. Select the "Make A Claim" tab from the menu on the left side
  3. Fill up your particulars including your Tune Sihat Medical Insurance policy number.
  4. Provide details of your claim including: the panel hospital, invoice number and items billed.

A representative from Tune Insurance will contact you once you have made your report to help you with the rest of the claims process. If you have any questions about your coverage and medical card you can also contact their customer service via email at [email protected].

Medical Assistance Hotline & Services
 1800882678 24-hour assistance
Tune Insurance Customer Care Hotline


Am I eligible to apply for this insurance?

Minimum Entry Age
At least 1 day of age
Maximum Entry Age
At most 60 years of age
Maximum Renewal Age
At most 80 years of age

Frequently Asked Questions about Tune Sihat Medical Insurance

Things you might want to know

I am healthy, why do I need to apply for Tune Insurance Medical Policy?

You can keep fit and maintain a clean diet, but even the healthiest person will succumb to an illness or disease at least once in their lives. 

Tune Insurance Sihat can offer you the protection you need when you need it the most - have financial backup for all your hospital and surgical fees, including payments for diagnostic tests and specialist consultations.

Who is eligible to apply?

Anyone as young as 1 day old to 60 years old can apply for this medical insurance policy. If you wish to extend contract, you can renew it up to the age of 80.

Will my family be insured ?

Absolutely, you can apply for medical coverage for your spouse and children under your care. Each of your family members will receive full benefits from this policy. Remember, premium charges are determined by their age.

Awesome. Are there any premium discounts?

Yes. If you have not claimed at the preceding policy year, you can enjoy 10% discount on total annual premium payment. But why stop there? When you apply this medical plan for your family, you could also get an additional family discount of 10% with at least 3 members.

My child needs my care and attention during his stay in the hospital, will I be covered throughout my stay?

Tune Insurance totally understand your needs during these troubling times. Your policy will come equipped with unlimited daily allowance for an insured child's guardian up to 60 days.

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