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Comprehensive Medical Plan with High Coverage

Medical inflation in Malaysia averages 12% yearly and will continue to rise.*

*Source: Towers Watson’s 2014 Global Medical Trends Survey Report

HOPE Medic & HOPE Medic+

An unforeseen hospitalisation can wipe out your hard earned savings. With escalating medical care costs it is even more important to protect yourself and your loved ones. Let us help you take care of your medical bills while you focus on recovering.

Key benefits explained
  • Medical cover of up to RM3,500,000 every year with no lifetime limit
    Your limit is renewed on a yearly basis. i.e. it does not matter what you have claimed in the previous year. Therefore, you gain continuous and uninterrupted access to the medical care to protect against rising and unexpected medical expenses.
  • Get rewarded for being healthy of up to 20% discount on insurance charges
    Enjoy no claim bonus of up to 20% of insurance charges if you do not make a claim for at least 2 consecutive years.
  • No partial payment on your medical bills
    No partial payment for your medical bill as long as you stay within your eligible room & board limit.
  • Accidental death benefits up to RM500,000
    Up to RM500,000 will be paid to your loved ones in the unfortunate event of your accidental death.
  • Comprehensive medical care up to age 81
    Coverage well into your retirement years, ensuring you have access to medical care when you need it most.
  • Cashless admission
    A medical card will be given to you which can be used to pay your hospital bills.
Interested in this product?
What we do not cover?
  1. Pre-existing illness.
  2. Specified Illnesses as stated below occurring during the first 120 days of continuous cover:
    a. Hypertension, diabetes mellitus and cardiovascular disease;
    b. All tumours, cancers, cysts, nodules, polyps, stones of the urinary system and biliary system;
    c. All ear, nose (including sinuses) and throat conditions;
    d. Hernias, haemorrhoids, fistulae, hydrocele, varicocele;
    e. Endometriosis including disease of the reproduction system;
    f. Vertebro-spinal disorders (including disc) and knee conditions.
  3. Any medical or physical conditions arising within the first 30 days following the supplement effective date or date of reinstatement whichever is latest except for accidental injuries.

For the full list of exclusions, kindly refer to our brochure, available for download below.

This product is not for you if...

Your age is 66 and above.

Important Product Details
Underwritten by AXA AFFIN Life Insurance Berhad