MediLove

What benefits do I get?

You'll get to enjoy these privileges:

Medical Card

Just present your card at any participating hospital to facilitate your admission.

Tax Relief

Claim up to RM3,000 in tax relief for medical premiums paid. However, this amount is subject to the current terms and conditions of the income tax relief provisions.

24 Hour Call Centre

Get round-the-clock assistance on medical referrals, and monitoring both locally and overseas. Its just a toll-free phone call away: 1-800-88-2318 (MICARES)

Easy Claims

Say goodbye to preparing and submitting claims. All expenses under MediLove plans will be paid directly to the hospitals. No more hefty bills and all you need to do is settle your excess charges, if any.

Is there a range of plans that I can choose from?

Schedule of Benefits


PLANS	PLAN 1	PLAN 2	PLAN 3	PLAN 4	PLAN 5	PLAN 6
PLANS	LIMIT (RM)
Overall Annual Limit	10,000	20,000	30,000	50,000	100,000	150,000
	LIMIT PER DISABILITY
HOSPITAL BENEFITS
Daily Hospital Room & Board (Max. 200 Days)	60	80	120	200	350	450
Intensive Care Unit (Max. 90 Days)	120	160	250	400	500	600
Hospital Supplies and Services	As Charged (Subject to Reasonable & Customary Charges)
Operating Theatre	As Charged (Subject to Reasonable & Customary Charges)
SURGICAL BENEFITS
Surgical expenses comprising the following but excluding organ transplantation: • Pre-Surgical Diagnostic Test (Within 60 days prior to admission) • Pre-Surgical Specialist Consultation (Within 60 days prior to admission) • Surgical Fees • Anaesthetist Fees	As Charged (Subject to Reasonable & Customary Charges)
MEDICAL BENEFITS
Medical expenses for non-surgical treatment, comprising: • Pre-Surgical Diagnostic Test (Within 60 days prior to admission) • Pre-Surgical Specialist Consultation (Within 60 days prior to admission) • In-Hospital Physician Visit (Max. 60 Days) • Post-Hospitalisation Treatment (Within 31 days after discharge)	As Charged (Subject to Reasonable & Customary Charges)
OUT-PATIENT BENEFITS
Emergency Outpatient Treatment for Accident only (Within 24 hours and follow-up treatment to a Max. of 31 days) Outpatient Physiotherapy Treatment (Within 90 days after discharge/surgery)	As Charged (Subject to Reasonable & Customary Charges)
Ambulance Fees	200	250	300	500	700	1,000
Monthly Outpatient Kidney Dialysis & Cancer Treatment	1,000	2,000	3,500	4,000	5,000	6,000
ORGAN TRANSPLANTATION
Heart, Kidney, Lung, Liver, Bone Marrow Transplantation	5,000	12,500	20,000	30,000	50,000	60,000
OTHER BENEFITS
Daily Government Hospital Cash Allowance (Max. 200 days per annum)	25	35	45	50	55	60
Insured Child's Daily Guardian Benefits (Max. 60 days)	25	50	75	100	175	200
Goods and Services Tax (GST)	As Charged
PREMIUMS	RM
30 days - 17 years	326	381	449	545	673	832
18 - 35 years	351	445	524	636	785	896
36 - 45 years	501	636	749	908	1,122	1,280
46 - 55 years	777	985	1,160	1,408	1,738	1,985
56 - 60 years	1,152	1,462	1,722	2,089	2,580	2,945
61 - 65 years (renewal only)	1,603	2,034	2,395	2,907	3,589	4,097
66 - 70 years (renewal only)	2,155	2,734	3,219	3,906	4,823	5,506

Note: Unless renewed, the coverage will cease on the expiry date and the insurance company shall strictly not be liable for any expenses that take place after the expiry date. Premiums exclude additional Stamp Duty of RM10.