One medical plan that helps you make the right decision

OneMedic Elite that serves all your medical protection needs

OneMedic Elite

Every day you are presented with options and we want to make sure the choices that you make help you become better every day. One of the important choices is buying medical insurance for yourself and your family.

There are many medical insurance products available in the market and we are here to help you make the right choice by offering OneMedic Elite, the one medical plan that provides you and your family peace of mind with comprehensive medical coverage.

OneMedic Elite also comes with value-added features that allow you to enjoy more savings from lower insurance charges with the Deductible option and No-Claim Bonus.

Key benefits explained
  • Inflation Defender

    To give you peace of mind on the rising medical costs in the future, this plan offers a special feature that automatically increases your medical coverage. Your initial Annual Limit will increase by 10% for every 5 policy years starting from the rider effective date, subject to a maximum of 100% of your initial Annual Limit.

  • Value-added Coverage

    AXA AFFIN Life is always on the forefront of technology development and we want to help you take advantage of medical technology. Therefore, OneMedic Elite will provide a reimbursement of up to RM30,000 for genomic test for cancer. At the same time, you can access holistic treatments including chiropractic, acupuncture, traditional and complementary medicines that help in your recovery. 

  • Cash Relief in the Event of Medical Quarantine

    In the event you suffer from any disease that requires you to be admitted in an isolation ward of any government hospital, we will pay double the Daily Allowance for Hospitalisation in Government Hospital, to support your daily living expenses and so that you can focus on your recovery. This coverage is very relevant in the current situation of pandemic threats.

  • Daily Allowance for Hospitalisation in Government Hospital

    A daily allowance will be provided to you if you are hospitalised in a normal ward for any admission in a government hospital. 

  • No Lifetime Limit

    AXA AFFIN Life wishes to provide you a lifetime of coverage and thus it is necessary to have unlimited lifetime medical limit to support you up to age 100¹. Also, no lifetime limit for outpatient cancer treatment and kidney dialysis.

    ¹ Terms and conditions apply.

  • No-Claim Bonus

    Enjoy an increasing No-Claim Bonus up to a maximum of 20% discount on your insurance charges.

  • Deductible

    Opt for a deductible to enjoy further rebate on your insurance charges, if you or your employer decide to first pay a selected amount of your medical expenses while we will reimburse the remaining medical expenses. There are 5 deductible options, the higher the deductible amount, the higher the discount on your insurance charges.

Interested in this product?
What we do not cover?

1. Pre-existing illnesses. 

2. Specified illnesses occurring within the waiting period. 

3. Any disabilities, medical or physical conditions and its signs and symptoms occurring within the 
waiting period, except for injuries due to accident. 

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

Important Product Details
Underwritten by AXA AFFIN Life Insurance Berhad