All you want to know about the..... SIHAT MALAYSIA

SIHAT MALAYSIA INDIVIDUAL & FAMILY PLANS

INDIVIDUAL PLAN - 6 PLANS TO CHOOSE FROM

Plans Plan 1 Plan 2 Plan 3 Plan 4 Plan 5 Plan 6
Benefits RM RM RM RM RM RM
Individual Overall Annual Limit 10,000 20,000 30,000 50,000 100,000 150,000
Maximum per Any One Disability
HOSPITAL BENEFITS RM RM RM RM RM RM
Daily Room & Board (Max. 150 days) 60 80 120 200 350 450
Intensive Care Unit (Max. 75 days) 120 160 250 400 500 600
Hospital Supplies & Services ..... As Charged .....
Operating Theatre ..... As Charged  .....
SURGICAL BENEFITS          
Surgical Expenses comprising the following, but excluding organ transplantation

  • Pre-Surgical Diagnostic Services (incurred within 60 days prior to surgery)

  • Pre-Surgical Specialist Consultation (incurred within 60 days prior to surgery)

  • Surgical Fees

  • Anaesthetist's Fees

 7,000 12,000 20,000 30,000 65,000 100,000
MEDICAL BENEFITS (Non-Surgical)          
Medical Expenses for non-surgical treatment, comprising

  • Pre-Hospitalisation Diagnostic Services (incurred within 60 days prior to hospital confinement)

  • Pre-Hospitalisation Specialist Consultation (incurred within 60 days prior to hospital confinement)

  • Daily In-Hospital Physician's Visits (Max. 60 days)

  • Post-Hospitalisation Treatment (within 31 days from discharge)

 7,000 12,000 20,000 30,000 65,000 100,000
OUT-PATIENT BENEFITS          
Emergency Out-Patient Treatment for Accident Only (within 24 hours) ..... As Charged .....
Out-Patient Physiotherapy Treatment ..... As Charged .....
Ambulance Fees 200 250 300 500 700 1,000
Monthly Out-Patient Kidney Dialysis & Cancer Treatment 1,000 2,000 3,500 4,000 5,000 6,000
ORGAN TRANSPLANTATION 5,000 12,500 20,000 30,000 50,000 60,000
GOVERNMENT HOSPITAL INCOME BENEFIT          
Daily Cash Allowance at Govt. Hospitals (Max. 150 days) 25 35 45 50 55 60
INSURED CHILD'S DAILY GUARDIAN BENEFIT Reimburses only for in-hospital expenses for meals and lodging incurred to accompany an insured child aged below 15 years (Max. 60 days) 25 50 75 100 175 200
INDIVIDUAL ANNUAL PREMIUM (RM)
AGE BAND* (AGE NEXT BIRTHDAY) Plan 1 Plan 2 Plan 3 Plan 4 Plan 5 Plan 6
15 days - 17 years 243 319 405 491 621 758
18 - 35 years 248 336 411 493 641 754
36 - 45 years 305 415 499 596 767 892
46 - 55 years 433 595 713 854 1,098 1,285
56 - 60 years 600 844 1,025 1,243 1,644 1,959
61 - 65 years (Renewal only) 746 1,101 1,358 1,690 2,361 2,854
66 - 70 years (Renewal only) 849 1,285 1,630 2,056 2,989 3,675
*Please add RM10 as Stamp Duty.

FAMILY PLAN

FAMILY MAY BE INSURED
  1. Your policy may cover spouse and dependent children subject to the following: a) a spouse who is below the age of sixty (60) at the time of first inclusion. Once included, the spouse may continue to be included up to age seventy (70); and b) unmarried children between the age of fifteen (15) days and nineteen (19) years. For dependent children who are fulltime students of institution of higher education, the age limit is twenty-three (23) years.
  2. Each family member is entitled to the full benefits up to separate Individual Overall Annual Limit (as shown in table above).
  3. Premium will be charged separately for each member according to the Individual Plan and Age.
FAMILY DISCOUNT
A family discount of 12% is allowed on the total premium for family with three (3) members or more.
RENEWAL DISCOUNT
If your policy (Individual or Family) is accepted for renewal by the insurer, you will enjoy 10% Renewal Discount on your renewed policy.
FAMILY PLAN ANNUAL PREMIUM ILLUSTRATION

*To qualify for family plan, minimum of 3 family members
The following is an illustration of premium computation for SIHAT MALAYSIA FAMILY PLAN for new and renewal cases effective 1st August 2007.

Plan selected:

Plan 1

 All rates quoted are in Ringgit Malaysia (RM)
Insured Person Age Next Birthday Gross Premium (A)

*Based on above Individual rate

 Family Discount (B) Net Premium

(A - B)

 Individual Annual Overall Limit

*Benefits as above for individual

%

Amount
Applicant 46 433.00 12 (51.96) 381.04 10,000.00
Spouse 43 305.00 12 (36.60) 268.40 10,000.00
Child 1 18 248.00 12 (29.76) 218.24 10,000.00
Child 2 10 243.00 12 (29.16) 213.84 10,000.00
Child 3 5 243.00 12 (29.16) 213.84 10,000.00
1,472.00 (176.64) 1,295.36

Total Premium chargeable:

RM1,295.36 + RM10.00 (Stamp Duty) = RM1,305.36

  • 'RENEWAL DISCOUNT' of 10% on the above rates shall apply for all Individual and Family renewal policies with MAA.

  • GOVERNMENT SERVICE TAX: Benefit payable under the policy shall include government service tax.

  • Age Limit : The plans shall cover eligible persons between the ages of 15 days to 60 years (Age next birthday), renewable up to 70 years.

  • Parent or Guardian may purchase any plan for children between the ages of 15 days and 17 years. Premium payable as indicated above.

  • *Premiums payable will increase with age, as indicated by the relevant age band for Sihat Malaysia Plans purchased.

  • Please ADD RM10.00 as Stamp Duty to the above quoted rates.

 Return to contents 

This is USJatyourservice, Service At Its Best! provided by kooagency

Call our Daily Home/Office Service Line 03-80246425 for an appointment!

or if you prefer, you may e-mail us at kooagen@streamyx.com

@ 2000 - 2006 kooagency web services since Aug 2000