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MediSure Supreme Insurance

MediSure Supreme Insurance
  • High overall annual and lifetime limit from RM100,000 up to RM1 million
  • Cashless admission provided with a MediSure medical card
  • Gurantee renewable up to 100 years old
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Critical Guard Insurance

Critical Guard Insurance
  • 10% loyalty benefit increase of the Principal Sum Insured per year up to a maximum of 50% when no claim is made
  • RM300,000 lump sum payout
  • Coverage from newborn and beyond
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MediSure Insurance

MediSure Insurance
  • Guaranteed annual renewal of up to RM450,000
  • Cashless admission provided with a MediSure medical card
  • Flexible savings on annual premium
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RHB Critical Shield Insurance

RHB Critical Shield Insurance
  • Covered 36 Critical Illnesses
  • Up to 50% loyalty benefit if no claims is made
  • Additional 10% payout for additional 6 gender critical illnesses
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Disclaimer
The information above is just a summary of this product. For more information on precise terms, exclusions and conditions, you may read the policy wordings, product disclosure sheet and brochure or you may send in your enquiry.

MediSure Supreme Insurance
Benefits
1. 

High overall annual and lifetime limit
You can choose the plan with Overall Annual Limit of RM100, 000 up to RM1 Million. We also offer you no lifetime limit for the higher plans.

2. 

Enter and exit with ease
You are given the convenient choice of cashless admission for easy admission to hospital or enjoy some savings on the premium by opting out from this benefit.

3. 

Lifelong medical protection
All our plans are guaranteed renewable up to 100 years old. If there is no claim incurred in the 1st year of policy inception, we will not impose any exclusion or loading upon your subsequent renewal in later years.

4. 

Underwriting-free upgrade
You are allowed to upgrade your Plan without underwriting for every 3 years claim-free.

5. 

No co-payment
We do not impose any co-payment on your medical bills incurred even though you choose to upgrade your room and board benefit limit when admitted to hospital.

6. 

Extend your protection range
Our policy includes coverage for HIV due to blood transfusion.

7. 

Deductible options for more savings
Enjoy more savings with our deductible options on your annual premium ranging from 25% to 75%.

Table of Benefits
Eligibility

Individual who is aged between thirty (30) days to seventy (70) years, both ages inclusive and is renewable up to one hundred (100) years. This policy may cover your legally married spouse and dependent children subject to the following:

a. A spouse who is aged below seventy (70) at the time of first inclusion. Once included, the spouse may continue to be included up to the age of one hundred (100) years.
b. Unmarried children who are aged between thirty (30) days and nineteen (19) years, both ages inclusive. For dependent children who are full time students of institution of higher education, the age limit is twenty-three (23) years.

Premium Rates

Annual Premium for Non-Cashless Plan

Age Band (Age next birthday) Plan (RM)
1 2 3 4 5
30 days–17 years 670.75 800.00 920.75 1,055.66 1,176.42
18–35 years 427.36 508.49 583.02 667.92 743.40
36–45 years 545.28 650.00 747.17 855.66 953.77
46–55 years 562.26 669.81 769.81 882.08 983.02
56–60 years 913.21 1,091.51 1,256.60 1,442.45 1,608.49
61–65 years 1,584.91 1,897.17 2,186.79 2,513.21 2,805.66
66–70 years 2,056.60 2,464.15 2,841.51 3,266.98 3,647.17
71–75 years (Renewal only) 2,583.02 3,096.23 3,571.70 4,106.60 4,585.85
76–80 years (Renewal only) 3,894.34 4,668.87 5,387.74 6,198.11 6,921.70
81–85 years (Renewal only) 5,481.13 6,573.58 7,587.74 8,729.25 9,750.00
86–90 years (Renewal only) 7,717.92 9,259.43 10,689.62 12,299.06 13,737.74
91–95 years (Renewal only) 10,873.58 13,046.23 15,062.26 17,333.02 19,361.32
96–100 years (Renewal only) 15,322.64 18,385.85 21,229.25 24,430.19 27,290.57

Annual Premium for Cashless Plan

Age Band (Age next birthday) Plan (RM)
1 2 3 4 5
30 days–17 years 833.96 996.23 1,146.23 1,315.09 1,466.04
18–35 years 530.19 631.13 724.53 830.19 924.53
36–45 years 678.30 808.49 929.25 1,066.04 1,187.74
46–55 years 698.11 833.02 958.49 1,099.06 1,224.53
56–60 years 1,137.74 1,360.38 1,566.04 1,799.06 2,006.60
61–65 years 1,976.42 2,366.98 2,729.25 3,137.74 3,502.83
66–70 years 2,566.98 3,075.47 3,548.11 4,080.19 4,554.72
71–75 years (Renewal only) 3,224.53 3,866.04 4,460.38 5,129.25 5,727.36
76–80 years (Renewal only) 4,863.21 5,832.08 6,731.13 7,743.40 8,647.17
81–85 years (Renewal only) 6,846.23 8,212.26 9,480.19 10,907.55 12,183.02
86–90 years (Renewal only) 9,643.40 11,569.81 13,357.55 15,369.81 17,167.92
91–95 years (Renewal only) 13,587.74 16,303.77 18,824.53 21,661.32 24,197.17
96–100 years (Renewal only) 19,148.11 22,978.30 26,533.02 30,533.96 34,108.49

Please take note that RM10 stamp duty shall be charged.

Proposal Form
Brochure
Policy Wordings
Product Disclosure Sheet
Additional Sheet
Critical Guard Insurance
Benefits
1. 

A Plan For Any Budget
Choose from one of our 4 plans based on your affordability.

2. 

Critical Illness Benefits
We’ll pay out a lump sum up to RM300,000 if you have been diagnosed with a critical illness as listed in the Critical Illnesses listing.

3. 

Loyalty Benefits
If you haven’t made a claim, we’ll increase the Principal Sum Insured by 10% each year up to a maximum of 50%. The longer you’re insured with us, the more you benefit!

4. 

Additional Payouts
If you’ve been diagnosed with certain covered critical illnesses, we’ll pay out an additional 10% of the Principal Sum Insured.

5. 

Coverage From Newborn And Beyond
If your child is between the ages of thirty (30) days and seventeen (17) years (both ages inclusive), he / she is eligible for coverage.

Table of Benefits
Plan Plan 1 Plan 2 Plan 3 Plan 4
Principal Sum Insured (RM) 50,000 100,000 200,000 300,000
Loyalty Benefit The Principal Sum Insured will increase 10% each year up to a maximum of 50% provided no claim is made under the policy
Additional 10% Payout An additional 10% of the Principal Sum Insured will be payable to the Insured Person in the event that Insured Person is diagnosed with any of the following listed critical illnesses. For male, it will be Colon Cancer, Prostate Cancer, Liver Cancer, Testicular Cancer, Nasal Cancer or Cardiomyopathy. As for female, it will be Breast Cancer, Ovarian Cancer, Uterus Cancer, Cancer of the Fallopian Tubes, Cervic Cancer or Cardiomyopathy
Eligibility

Individuals aged between thirty (30) days and sixty (60) years , both ages inclusive and renewable up to seventy (70) years old.

Premium Rates

Entry Age (Age Next Birthday) Plan 1 Plan 2 Plan 3 Plan 4
Male Female Male Female Male Female Male Female
30 days – 17 years 51 30 102 61 204 121 307 182
18 – 35 99 135 197 269 395 539 592 808
36 – 45 333 441 666 882 1,333 1,763 1,999 2,645
46 – 55 956 796 1,911 1,593 3,822 3,186 5,733 4,779
56 – 60 1,892 1,226 3,784 2,453 7,567 4,906 11,351 7,359
61 - 65 (renewal only) 3,055 1,817 6,110 3,635 12,219 7,269 18,329 10,904
66 - 70 (renewal only) 4,495 2,453 8,990 4,907 17,979 9,814 26,969 14,721

Please take note that RM10 stamp duty shall be charged.

Proposal Form
Brochure
Policy Wordings
Product Disclosure Sheet
MediSure Insurance
Benefits
1. 

Guaranteed Renewal
This policy guarantees annual renewal, ensuring the Insured Person is covered for up to a high lifetime limit of RM450,000, if he/she does not submit a claim in the first two years.

2. 

Medisure Medical Card / Cashless Admission
A MediSure medical card will be provided to facilitate admission to a panel of quality hospitals nationwide without the need to pay a deposit upfront.

3. 

Flexible / Savings
MediSure gives you a choice between "Full" and "Deductible" programmes. If you opt for a "Deductible" programme of RM5,000, RM10,000 or RM20,000, you pay only a small fraction of the entire annual premium. That means savings for you while your insurance needs are still taken care of.

4. 

Choice of Plan
MediSure has choice of six (6) plans to suit your budget and healthcare needs

5. 

MediSure Income Tax Relief
Premium paid for MediSure may qualify for income tax relief
(Subject to the current terms and conditions and the income tax relief provisions)

Premium Rates

Annual Premium

Age Band (Age next birthday) Plan (RM)
1 2 3 4 5 6
30 days–17 years 319 390 462 535 571 651
18–35 years 379 462 545 630 671 765
36–45 years 522 640 760 880 940 1,074
46–55 years 773 954 1,137 1,322 1,414 1,619
56–60 years 1,108 1,372 1,641 1,911 2,045 2,346
61–65 years (Renewal only) 1,464 1,818 2,177 2,538 2,717 3,119
66–70 years (Renewal only) 1,745 2,168 2,599 3,031 3,246 3,728
71–75 years (Renewal only) 2,194 2,729 3,273 3,820 4,093 4,702

Please take note that RM10 stamp duty shall be charged.

The Company may revise the renewal premium subject to claims history

Proposal Form
Policy Wordings
Product Disclosure Sheet
RHB Critical Shield Insurance
Benefits
1. 

Critical benefits
This benefit is payable upon diagnosis of one of the ‘36 Critical Illnesses’. The policy will be terminated upon pay-out of the full amount.

2. 

Loyalty benefit
Upon policy renewal, the principal sum insured will be increased by 10% each year up to a maximum of 50% provided no claim is made under the policy.

3. 

Additional payout
An additional 10% of the Principal Sum Insured will be payable to the Insured in the event of the Insured being diagnosed with any of the 6 listed Critical Illnesses:

  • Male: Male: colon cancer, prostate cancer, liver cancer, testicular cancer, nasal cancer and cardiomyopathy.
  • Female: Female: breast cancer, ovarian cancer, uterus cancer, cancer of the fallopian tubes, cervix cancer and cardiomyopathy.
Table of Benefits
Plan Plan 1 Plan 2 Plan 3 Plan 4
Principal Sum Insured (RM) 50,000 100,000 200,000 300,000
Loyalty Benefit The Principal Sum Insured will increase 10% each year up to a maximum of 50% provided no claim is made under the policy
Additional 10% Payout An additional 10% of the Principal Sum Insured will be payable to the Insured Person in the event that Insured Person is diagnosed with any of the following listed critical illnesses.
For male, it will be Colon Cancer,Prostate Cancer, Liver Cancer, Testicular Cancer, Nasal Cancer or Cardiomyopathy.
As for female, it will be Breast Cancer, Ovarian Cancer, Uterus Cancer, Cancer of the Fallopian Tubes, Cervic Cancer or Cardiomyopathy
Eligibility

Individuals aged between thirty (30) days and sixty (60) years , both ages inclusive and renewable up to seventy (70) years old.

Premium Rates

Age of Entry Plan 1 (RM)
(SI 50,000)		 Plan 2 (RM)
(SI 100,000)		 Plan 3 (RM)
(SI 200,000)		 Plan 4 (RM)
(SI 300,000)
Male Female Male Female Male Female Male Female
30 days – 17 years 51 30 102 61 204 121 307 182
18 – 35 99 135 197 269 395 539 592 808
36 – 45 333 441 666 882 1,333 1,763 1,999 2,645
46 – 55 956 796 1,911 1,593 3,822 3,186 5,733 4,779
56 – 60 1,892 1,226 3,784 2,453 7,567 4,906 11,351 7,359
61 - 65 (renewal only) 3,055 1,817 6,110 3,635 12,219 7,269 18,329 10,904
66 - 70 (renewal only) 4,495 2,453 8,990 4,907 17,979 9,814 26,969 14,721

Please take note that RM10 stamp duty shall be charged.

The Company may revise the renewal premium subject to claims history

Proposal Form
Policy Wordings
Product Disclosure Sheet