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ALLIANZ MEDICURE

Comprehensive
hospitalisation coverage
assures you seamless
admission, protecting you
from high medical bills

Allianz General Insurance Company (Malaysia) Berhad 200601015674 (735426-V)

Licensed under the Financial Services Act 2013 and regulated by Bank Negara Malaysia
A PIDM member
The benefit payable under eligible product is (are) protected by PIDM up to limits.
Please refer to PIDM’s TIPS Brochure or contact Allianz General Insurance Company (Malaysia) Berhad
or PIDM (visit www.pidm.gov.my)

Falling ill can be very costly,

whether in a private or government hospital

Private Hospital VS Government Hospital

Up to RM80,0001 Heart Disease Up to RM4,0001

Up to RM118,500
Up to RM395,0002 Cancer (50-70% lower than private
medical institutions)5

Up to RM75,0001 Stroke Up to RM4,0001

Up to RM250 per dialysis3 Kidney Failure Up to RM162 per dialysis3

Up to RM40,0001 Kidney Stone Up to RM10,0001

Sources:
1. RinggitPlus, Government and Private Hospitals in Malaysia: How Much Do They Really Cost? (2018)
2. iMoney, Treatments You Can Get For As Low As RM1 At Malaysian Government Hospitals (2017)
3. The Star, Dialysis subsidy drying up (2013)
4. New Straits Times, Long waits at public hospitals cause anguish (2023)
5. The Star, Affordable cancer treatment for the poor (2014)

Did you know?

Surgery wait time at government
hospitals may exceed 6 months4.
Say goodbye to the wait and hello to faster access at
private hospitals with the Allianz MediCure Medical Card!

Begin with the Cashless Plan

for hassle-free admission!
Opting for a cashless plan means your medical card provides the convenience of seamless
admission. Just present your card at the hospital admission counter for a hassle-free process.

Table of Benefits – Hospitalisation and Surgical Coverage

Benefits Plan 1 Plan 2 Plan 3 Plan 4 Plan 5
Overall Annual Limit 50,000 80,000 120,000 150,000 250,000
Miscellaneous Benefit (Not Subject to Deductible)
Daily Cash Allowance at Government Hospital 120 150 180 200 250
Hospitalisation and Surgical Benefits
Room (daily maximum up to 120 days) 150 200 300 400 500
Intensive Care Unit (up to 120 days)
Surgical Fees
Hospital Supplies and Services
Anaesthetist Fees
Operating Theatre
In-Hospital Medical Practitioner Visit
(up to 120 days and maximum 2 visits per day)
Pre-Hospital Diagnostic Test
(within 60 days prior to hospital admission) As Charged
Pre-Hospital Specialist Consultation
(within 60 days prior to hospital admission)
Second Surgical Opinion (within 60 days from
consultation with the first Specialist)
Post Hospitalisation Treatment (valid within 60
days from the date of discharge from hospital)
Daycare Procedure
Ambulance Fee
Medical Report Fee Reimbursement
Home Nursing Care (up to) 500 1,000 2,000 3,000 4,000
Outpatient Treatment Benefits
Emergency Accidental Outpatient Treatment
(includes follow-up treatment up to 60 days from
date of Accident) As Charged
Outpatient Cancer Treatment
Outpatient Kidney Dialysis Treatment
Bereavement Benefit (Not Subject to Deductible)
Compassionate Allowance (Accidental causes only) 2,000

Annual Premium for Cashless Plan (RM)

Plan 1 Plan 2 Plan 3 Plan 4 Plan 5
Age Band Male Female Male Female Male Female Male Female Male Female
30 days – 17 years 901 791 1,071 1,071 1,438 1,208 1,781 1,397 2,048 1,759
18 – 25 years 580 534 778 722 854 854 1,085 999 1,731 1,552
26 – 29 years 697 697 867 867 1,062 1,045 1,324 1,088 1,871 1,678
30 – 39 years 949 949 1,300 1,300 1,508 1,494 1,948 1,653 2,729 2,329
40 – 49 years 1,462 1,343 2,004 1,842 2,292 2,087 2,639 2,608 4,044 3,661
50 – 54 years 2,105 1,934 2,898 2,665 3,474 3,341 4,348 4,176 5,346 4,887
55 – 59 years 2,882 2,649 3,979 3,658 4,771 3,999 5,576 4,996 7,408 6,953
60 – 64 years 4,159 3,860 5,738 5,327 6,722 6,023 7,420 6,674 11,735 9,628
65 – 69 years 5,864 5,444 8,107 6,815 8,484 7,331 10,232 7,632 17,351 14,194
70 – 74 years
7,879 6,704 10,828 8,180 12,272 9,416 13,547 11,339 28,476 24,052
(renewal only)
75 – 79 years
9,812 7,735 11,377 10,632 13,084 12,239 15,759 14,742 35,509 29,963
(renewal only)

3 ways to save
on your annual premium

1 Opt for Non–Cashless plan to enjoy up to 49% cheaper

premium than cashless plan
You pay the Hospital first, then Allianz will reimburse you back.

Annual Premium for Non–Cashless Plan (RM)

Plan 1 Plan 2 Plan 3 Plan 4 Plan 5

Age Band Male Female Male Female Male Female Male Female Male Female

30 days – 17 years 492 418 608 575 768 768 960 846 1,593 1,280

18 – 25 years 369 313 472 436 528 528 616 568 1,060 1,060

26 – 29 years 471 471 619 619 735 735 805 805 1,316 1,316

30 – 39 years 678 678 908 908 1,084 1,084 1,205 1,205 1,851 1,582

40 – 49 years 918 769 1,088 1,059 1,305 1,305 1,514 1,393 2,896 2,614

50 – 54 years 1,325 1,137 1,879 1,879 2,168 2,034 2,295 2,118 3,830 3,494

55 – 59 years 1,902 1,750 2,623 2,421 3,164 3,164 3,379 3,379 5,037 4,859

60 – 64 years 2,750 2,522 3,808 3,536 4,482 4,163 5,373 5,025 7,998 6,524

65 – 69 years 3,890 3,491 5,386 4,808 5,638 5,235 6,812 5,668 11,826 9,646
70 – 74 years
5,697 4,656 7,888 6,411 9,130 7,258 10,402 8,336 19,345 16,392
(renewal only)
75 – 79 years
7,103 5,090 8,288 7,752 9,686 8,972 11,590 10,841 24,209 20,373
(renewal only)

2 Choose a Deductible Option

Deductible is the upfront amount you pay before we pay your bills. Each
individual can enjoy a Premium Discount based on the Deductible option
selected. The higher the Deductible amount, the higher the savings.

Discount (% of Annual Premium)

70%
60%
50%
40%
30%
10,000 20,000 30,000 40,000 50,000

Deductible (RM) each Period of Insurance

3 Cover Multiple Insured Persons Under One Policy

A family* or a company** can enjoy a discount on Annual
Premium if the number of individuals insured under the Policy
are three (3) and above.

% of discount on Annual Premium

15% 20%
5% 10%
No. of
Individuals
3–5 6 – 10 11 – 20 21 and above

*Family **Company

*For a family, policyholder and spouse is aged below seventy (70) years, and Policyholder’s
child/children who is unmarried aged thirty (30) days to twenty-four (24) years, if still a full-time
student at a higher education institution.
**For a company, coverage will need a minimum of three (3) employees to be eligible for discount
on Annual Premium.

Important things to know about claims

Cashless Plan / Panel Hospital

Download our Browse through Allianz will liaise with the

MyAllianz App to the list of panel hospital by issuing a Guarantee
view your medical private hospital on Letter and facilitating your
e-Card. the MyAllianz App. admission upon its verification.

Scan this QR code to view the

Panel Hospital listing under
Allianz MediCure.

Non-Cashless Plan / Non-Panel Hospital

You pay the hospital upon Allianz will assess the claims
discharge, then submit all bills to against your coverage and
Allianz, via the MyAllianz App. reimburse accordingly.

General Notes
1. Managed Care Organisation (“MCO”) Fee RM19.44 (inclusive of 8% Service Tax)
will be charged separately for Cashless Plan.
2. For Corporate Policyholders, Premiums are further subject to 8% Service Tax.
3. The Service Tax (“ST”) amount herein may be subject to change as the ST rate
applied shall be based on the prevailing rate(s) in accordance with the laws of
Malaysia.
4. Premium is subject to a RM10 Stamp Duty payable on the Contract of Insurance.
5. Being overweight or obese will affect your premium with loadings up to 25%.
6. The total Premium that you pay may vary depending on your choice of
deductible, your age, gender and Company’s underwriting requirements.

Important Exclusions
This Policy does not cover any hospitalisation, surgery or charges caused directly or
indirectly, wholly or partly, by any one of the following occurrences:
1. Pre-existing Illness unless declared by the Insured Person and accepted by the
Company in writing, on or prior to Policy commencement date.
2. Specified Illness occurring during the first one hundred and twenty (120) days of
continuous cover calculated from the commencement of the Period of Insurance.
3. Suicide, attempted suicide or intentional, self-inflicted injury while sane or
insane.
4. Any person residing outside Malaysia.

Key Terms and Conditions

1. Waiting Period ─ Coverage under this Policy is subject to a thirty day (30)
waiting period except where hospitalisation is due to a covered Accident.
2. Free-look Period ─ If you decide not to take up this Policy after it has been
issued, you may return the Policy to the Company for cancellation provided your
request for cancellation is delivered to the Company within fifteen (15) days
from the date you receive the Policy.
3. The Premium rates are not guaranteed and are charged according to the age
next birthday at each Policy renewal. The Company reserves the right to revise
the Premium rate by giving thirty (30) days Written Notice prior to the next
Policy anniversary. The adjustment in Premium rates, if any, will aim to reflect
the Company‘s claim experience, cost of medical treatment, medical inflation
and advancement in medical technology. This list is not exhaustive and the
Premium rates may also be revised under other justified circumstances. Such
changes, if any, shall be applicable to all Policyholders irrespective of their
Policy duration and claim experience.

This brochure is valid from 18 July 2024.

Please note that the exclusions, limitations, terms and conditions as stated in this brochure
are not exhaustive. Please refer to the actual Policy Wording for detailed benefits,
exclusions, limitations, terms and conditions.
This brochure is not a Contract of Insurance. The description of the available cover is only
a brief summary for quick and easy reference. The precise terms, benefits, conditions and
exclusions that apply are stated in the Policy.

Contact us for more information:

AZ07/24