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   SCHEDULE OF BENEFITS & PREMIUMS 

Plans PLAN 1 PLAN 2 PLAN 3 PLAN 4

BENEFITS

RM
Overall Annual Limit per Insured 35,000 50,000 70,000 120,000
Lifetime Limit - During the first two (2) policy years 35,000 50,000 70,000 120,000
Lifetime Limit - Thereafter, provided insured has been claims free for the preceding two (2) policy years 105,000 150,000 210,000 360,000

LIMIT PER DISABILITY
HOSPITAL BENEFITS
Hospital Room & Board (max. 365 days per annum) 110 160 210 360
ICU - Intensive Care Unit (max. 60 days per annum)

As Charged
Hospital Supplies & Services
Surgical Fees
Anaesthetist Fees
Operating Theatre
Pre-Hospital Diagnosis Tests (within 60 days prior to admission)
Pre-Hospital Specialist Consultation (within 60 days prior to admission)
In-Hospital Physician Visit (max. 200 days per annum)
Post Hospitalisation Treatment (within 31 days from discharge)
OUT-PATIENT BENEFITS
Emergency Accidental Outpatient Treatment (within 24 hours and follow-up treatment to a max. of 31 days)

As Charged
Out-patient Physiotherapy Treatment (within 90 days from discharge/surgery)
Ambulance Fees 350 500 700 1,200
Out-patient Kidney Dialysis Treatment (per annum) 11,000 16,000 21,000 36,000
Out-patient Cancer Treatment (per annum) 22,000 32,000 42,000 72,000
OTHER BENEFITS
Daily Cash Allowance at Government Hospital (max. 365 days per annum) 100 100 100 100
Home Nursing Care (per annum) 1,500 1,500 1,500 1,500
Insured Child's Daily Guardian Benefit (max. per disability) 200 250 300 400
Medical Report Fees 80 80 100 100
Government Service Tax As Charged
PERSONAL ACCIDENT @ AGE 75 per Insured
Accidental Death & Dismemberment 50,000 50,000 50,000 50,000

AGE BAND (Age Next Birthday)

 TOTAL BASIC ANNUAL PREMIUM AT ENTRY (RM)
INDIVIDUAL
PLAN 1 PLAN 2 PLAN 3 PLAN 4
30 days - 18 years 411.50 454.50 492.50 727.50
19 - 35 years 425.50 502.50 564.50 812.50
36 - 45 years 590.50 682.50 772.50 1,088.50
46 - 50 years 862.50 1,012.50 1,244.50 1,805.50
51 - 55 years 1,067.50 1,347.50 1,668.50 2,642.50
56 - 60 years 1,414.50 1,801.50 2,239.50 3,240.50
61 - 65 years (Renewal Only) 1,769.50 2,263.50 2,819.50 4,202.50
66 - 70 years (Renewal Only) 2,316.50 2,957.50 3,677.50 5,076.50
71 - 75 years (Renewal Only) 2,665.50 3,402.50 4,229.50 5,839.50

Note:

  1. FOR INDIVIDUAL APPLICANT, the above Annual Premiums is subjected to an RM0.87 SST on the MCO Fees (currently at RM14.50) and a RM10 stamp duty

  2. FOR NON-INDIVIDUAL APPLICANT (Company), the above Annual Premiums is subjected to a 6% SST on the above Basic Annual Premiums and a RM10 stamp duty

  3. CLASS 3 Occupational Risk will be subjected to an additional loading of 30% on the above Annual premiums less RM14.50 (MCO Fees) See Classification of Occupation
PREMIUMS 
The premium rate shall also increase if the insured person's age, at the anniversary of the second policy year, falls under a new rating band. The renewal premiums payable is not guaranteed and the Company reserves the right to revise the premium rate applicable at the time of renewal. Such changes, if any, shall be applicable to all policyholders irrespective of their claim experience according to the Company's risk assessment. Premiums for these benefits can only be changed if premiums for all MedicaGen 200 issued on the same term as yours are similarly changed and 90 days written notice is given.
NOTE:
  • Upgraded Room & Board Co-Payment - If the Insured Person is hospitalised at a Room & Board rate which is higher than his/her eligible benefit, the Insured Person shall bear 20% of the other eligible benefits, described in the Schedule of Benefits for each and every claim.
  • Total benefits payable in a year must not exceed the Overall Annual Limit.
  • Total benefits payable during the lifetime is subject to the Lifetime Limit.

You should satisfy yourself that this plan will best serve your needs and that the premium payable under the policy is an amount you can afford.
 

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