Easi Healthcare | Medical Insurance for Full Coverage Healthcare Services

High overall annual limit and lifetime limit

Up to RM200,000 and RM800,000 respectively and no sub-limit is imposed on any one of disability.

No medical examination

No medical examination is required for healthy individual below 60 years old.

Invitation to to renew your policy annually 

Up to 85 years old and renewal terms will be irrespective of your claims experience and subject to exhaustion of the Overall Lifetime Limit.

No co-insurance

Provided you do not stay in Room and Board which is higher than the eligible benefit.

Discount on policy

Enjoy 5% discount when you have your spouse and children signing up for Easi HealthCare.

Hospital room and board

Reimbursement of the reasonable and customary charges medically necessary for room accomodation and meals. The amount of the benefit shall be equal to the actual charges made by the hospital during the insured person's confinement, but in no event shall the benefit exceed, for any one day, the rate of room and board benefit, and the maximum number of days as set forth in the Schedule of Benefits. The insured person will only be entitled to this benefit while confined to a hospital as an in-patient.

Intensive care Unit

Reimbursement of the reasonable and customary charges medically necessary for actual room and board incurred during confinement as an in-patient in the intensive care unity of the hospital. See Schedule of Benefits for more details.

Hospital supplies and services

Reimbursement of the reasonable and customary charges actually incurred for medically necessary general nursing, prescribed andconsumed drugs and medicines, dressings, splints, plaster casts, x-ray, laboratory examinations, electrocardiograms, physiotherapy, basal metabolism tests, intravenous injections and solutions, administration of blood and blood plasma but excluding the cost of blood and plasma while the insured person is confined as an in-patient in a hospital, up to the amount stated in the Schedule of Benefits.

Surgical fees

Reimbursement of the reasonable and customary charges for a medically necessary surgery by specialists, including pre-surgical assessment specialist’s visits to the insured person and post-surgery care up to the maximum number of days from the date of surgery, but within the maximum indicated in the Schedule of Benefits. If more than one surgery is performed for any one disability, the total payments for all the surgeries performed shall not exceed the maximum stated in the Schedule of Benefits.

Day surgery benefit

Reimbursement of reasonable and customary medical expenses for medical and professional charges incurred in respect of a day surgery without hospitalisation.

Emergency accidental outpatient treatment

Reimbursement of the reasonable and customary charges incurred for up to the maximum stated in the Schedule of Benefits as a result of a covered bodily injury arising from an accident for medical necessary treatment as an outpatient at any registered clinic or hospital within 24 hours of the accident causing the covered bodily injury. Follow up treatment by the same doctor or same registered clinic or hospital for the same covered bodily injury will be provided up to the maximum amount and the maximum number of days as set forth in the Schedule of Benefits.

Daily-cash allowance at government hospital

Pays a daily allowance for each day of confinement for a covered disability in a Malaysian government hospital, provided that the insured shall confine to a room and board rate that does not exceed the amount shown in the Schedule of Benefit. No payment will be made for any transfer to or from any private hospital and Malaysian government hospital for the covered disability.

Emergency assistance services

In accordance with benefits provision in the agreement between the company aand service provider.

Accidental death benefit

An amount set forth in the Schedule of Benefits shall be payable if the insured person shall suffer injury caused by accident which injury shall solely and independently of any other causes result in death within six(6) calendar months from the date of accident.

Outpatient kidney dialysis treatment

If an insured is diagnosed with kidney failure as defined below, the company will reimburse the reasonable and customary charges incurred for the medically neccessary treatment of kidney dialysis performed at a legally registed dialysis centre subject to the limit of this disability as specified in the Schedule of Benefit.

Such treatment (dialysis excluding consultation, examination tests, take home drugs) must be received at the out-patient department of a hospital or a registered dialysis treatment centre immediately following discharge from hospital confinement or surgery.

Kidney failure means end stage renal failure presenting as chronic, irreversible failure of both kidneys to function as a result of which renal dialysis is initiated.

It is a specific condition of this benefit that notwithstanding the exclusion of pre-existing conditions, this benefit will not be payable for any insured who has developed chronic renal diseases and/or is receiving dialysis treatment prior to the effective date of insurance. 

Outpatient cancer treatment

If an insured is diagnosed with cancer as defined below, the company will reimburse the reasonable customary charges incured for the medically neccessary treat of cancer performed at a legally registered cancer treatment centre subject to the limit of this disability as specified in the Schedule of Benefit.

Such treatment (radiotherapy or chemotherapy excluding consultation, examination tests, take home drugs) must be received at the out-patient department of a hospital or a registered cancer treatment centre immediately following discharge from hospital confinement or surgery.

Cancer is defined as the uncontrollable growth and spread of malignant cells and the invasion and destruction of normal tissue for which major interventionist treatment of surgery (excluding endoscopic procedures alone) is considered neccessary. The cancer must be confirmed by histological evidence of malignancy. The following conditions are excluded:

• Carcinorma in situ including the cervix;
• Ductal Carcinorma in situ of the breast;
• Papillary Carcinorma of the bladder and Stage 1 Prostrate Cancer;
• All skin cancers except malignant melanoma;
• Stage 1 Hodgkin's disease;
• Tumours manifesting as complications of AIDS

It is a specific condition of this benefit that notwithstanding the exclusion of pre-existing conditions, this benefit will not be payable for any insured who had been diagnosed as a cancer patient and/or is receiving cancer treatment prior to the effective date of insurance.