MediPro

Schedule of Benefits

MediPro Medical Rider provides comprehensive medical takaful plans that you can choose from. Each medical coverage plan is further subdivided into Bronze, Silver, Gold, and Platinum categories. For example, if you subscribe to the comprehensive medical coverage plan and opt for the Platinum category of this plan, then you will accordingly receive the benefits as defined in that category and the plan.

For instance, let’s say you have signed up for the Platinum category of a plan with an annual limit of  RM2,000,000. Now, if you have an accident in your 6th rider certificate year, you will be entitled to privileges such as daily room and board benefits of up to RM1000. If you have not made any claim in the first 5 years, then you won’t have to pay the deductible amount of RM500 (applicable for the first 2 rider certificate years). The medical expenses will be covered by the MediPro Medical Rider plan up to a limit of RM2,000,000.

However, as you have made the claim in your 6th rider certificate year, a deductible of RM500 will be re-applied for the next 2 rider certificate years. This means, if you again have to get admitted to the hospital in the 7th rider certificate year and your bill sums up to RM1000, then you will have to pay a deductible or RM500. The remaining RM500 from your bill will be incurred by MediPro.

Now, after getting discharged, if you get hospitalised again in the same year, the deductible will not be reapplied.

Deductible is a fixed amount you are required to pay for medical expenses incurred as cost sharing. You will need to pay the initial RM500 and we will pay the rest of the medical expenses. The Deductible shall apply for the first 2 Rider Certificate Years. Thereafter, the Deductible shall be zero. However, if there is a claim being made for any event, excluding Infectious Disease Benefit, in any one of Rider Certificate Years, the Deductible will be reapplied in the next 2 Rider Certificate Years.

Here is an example of how Deductible is not applicable when you stay healthy:

Anyone between 14 days old to 60 years old (attained age) are eligible to attach MediPro as a rider to Takaful ProEssential. However, the Participant must be at least 16 years old.

What is a medical rider?

Medical riders are optional contribution medical takaful plans that come with extra benefits and medical coverage. Participants of a takaful plan can choose to add a medical rider plan to an existing plan. For instance, if a participant subscribes to the Zurich Takaful ProEssential plan, then he/she can also add the MediPro Medical Rider comprehensive medical plan to the ProEssential plan to get extra benefits.

 

What is MediPro?

MediPro is an optional medical rider plan. Participants can add this optional plan to any ordinary family takaful plans. The MediPro medical rider plan also offers coverage up to age 80 or the maturity of your basic certificate, whichever is earlier.

 

What is the coverage term for MediPro?

The MediPro rider medical coverage term follows the same coverage term of your basic certificate. MediPro will be in-force continuously as long as the Participant Investment Account (PIA) is sufficient to cover the Tabarru’.

 

How much is the contribution?

The contribution varies as per the attained age, gender, plan selected and underwriting decision. You will be notified of any revision on the contribution and Tabarru’ with a 3 months prior written notice. Please refer to the Product Disclosure Sheet for the contribution.

 

Is the contribution made for this medical rider eligible for income tax relief?

Yes. Contribution made to the MediPro medical rider plan is eligible to income tax relief in addition to other family takaful or life insurance plans, subject to the final decision of the Inland Revenue Board of Malaysia (IRB).

 

Am I covered for medical treatment received outside Malaysia?

Yes, but the medical treatment outside Malaysia has to be referred by the Attending Physician, and it is limited to the Reasonable and Customary and Medically Necessary Charges that are equivalent to the local treatment found in Malaysia. If you are residing or travelling outside Malaysia, the worldwide medical coverage is subject to a maximum of 90 consecutive days.

 

What is not covered by MediPro?

MediPro medical rider plan does not cover any hospitalisation, surgery or charges listed below. Please note that the list is not exhaustive and reference should be made to the comprehensive list in Takaful Certificate.

1. Pre-existing illness.
2. Specified Illnesses occurring during the first 120 days of continuous cover.
3. Any medical or physical conditions arising within the first 30 days of the Commencement Date or Reinstatement Date whichever is later except for accidental injuries.