Multi-Medical Protector Section B 14




Ministry of Health Malaysia, Kementerian Kesihatan Malaysia

Kami Sedia Membantu

University Hospital

University Hospital








































Malaysia Healthcare


 
 
I. Introduction

OUR Multi Medical-Protector is a specially tailored Hospital and Surgical Insurance which provides wide range of benefits for surgery or treatment in hospital for all the covered conditions, whether it is a minor or major disability. In addition, it comes with a Medical Card that provides hassle free hospital admission in participating panel hospital for covered conditions.

2. Special Features of our Multi Medical-Protector


a) Nursing Care and Services are payable as a separate benefit. Not lumped up together with Hospital Room & Board that is commonly offered.

b) Home Nursing Care pays for the registered private nurse services after discharge from hospital.

c) Higher payment for medical expenses incurred if the Insured Person suffers from the defined Major Disabilities.

d) Lump sum payment of Recuperative Allowance if hospitalized in Malaysian hospitals for more than 5 consecutive days if the Insured Person suffers from the defined Major Disabilities.

e) Payment of Daily Cash Benefit for Hospitalization Inconvenience allowance from the 6th day onward up to maximum of 15 days if the Insured Person suffers from defined Major Disabilities and is hospitalized for more than 5 consecutive days in Malaysian private hospitals.

f) Once per lifetime lump sum payment of Major Disabilities Relief once the Insured Person is diagnosed from suffering one of the defined Major Disabilities and survived after the 30-day Survival Period. For first year policy, there is a 90-day Waiting Period.

g) A family (i.e. husband, wife and their child or children) discount of 15% on total premium is given for a family with 4 or more Insured Persons under a same Policy. 4 or more Insured Persons of a family policy can be a combination of "husband, wife and at least 2 children" or "either husband or wife and at least 3 children".

3. Underwriting Consideration

Eligible age
Adult up to 60 years old. Renewal up to 70 years old subject to yearly application and review.
Child from 15 days to 19 years old (unmarried and not in employment) extension up to 23 years if studying full-time in a local institution.
 
 
4. Benefits
Part 1-BASICMED BENEFITS




Part II -MAJORMED


5. Annual Premium Please refer to the latest Brochure on this product


6. Referred Risks (Acceptance of such risk is to be referred to Business Development or Branch Head)
a) Persons of age over 60 years old
b) Driversiattendants of timber lorries or logging bucks
c) Despatch personnel working in fast food restaurants/courier service companies
d) Money lenders
e) Mining Workers
f) Security Guard
g) Timber loggers
h) Workers in Ship-Building and Repairs
i) Workers in the construction of dams, bridges, tunneling, underground work



7. Special Acceptance Risks (Acceptance of such risk is to be referred to Portfolio Underwriters/ Head of Underwriting and Technical Support)
a) Debt collectors
b) Divers
c) Firemen
d) Oil Rig Workers
e) Seamen
t) Ship Crews
g) Workers handling toxic materials


8. Declined Risks (Any accommodation of such risk is to be referred to Head of Underwriting and Technical Support/ Risk Review Committee)
a) Persons who arc of ill health and/ or are suffering from chronic illness such as cardiovascular disease, 
    hypertension, diabetes mellitus, cancers, kidney disease etc
b) Airline Personnel and Aircrew
c) Circus Performers/Stunt Men
d) Diplomat
e) Doctors and other medical personnel employed in medical centres or hospitals
t) Explosive handlers!makers
g) Foreigners
h) Horse trainers/jockeys
i) Military, Police, Prison warden and Law Enforcement Officers
j) Professional Sports Team
k) Professional Entertainers
l) Racing Drivers







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Payment instruction to insurer for your insurance transaction. 信用卡付款指令,保险公司的保险交易。Pembayaran Kad Kredit arahan kepada syarikat insurans untuk transaksi insurans anda.  Nov 27, 2012, 10:34 AM Simon Poon
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Lembaran Pendedahan Produk  Nov 25, 2012, 2:58 PM Simon Poon
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Multi Purpose Insurans Berhad Product Disclosure Sheet on Multi Medical Protector Hospitalization and Surgical Insurance.  Nov 25, 2012, 2:58 PM Simon Poon
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  Nov 25, 2012, 2:58 PM Simon Poon
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