This plan is available for anyone between the ages of 30 days and 65 years (age next birthday), subject to underwriting.

MaxHealth Plan provides coverage up to 100 years old (age next birthday) and the premium is payable until the end of the coverage term.

The premium amount payable will vary depending on the plan and deductible option you choose, your age, gender, occupation class and is subject to underwriting. You can choose to pay your premiums yearly, half-yearly, quarterly or monthly. Payments can be made via Debit/Credit Card, Angkasa Deduction, Auto-Debit or Direct Payment methods.

Yes, the premiums paid for MaxHealth Plan may qualify you for a personal tax relief of up to RM3,000 for medical and education insurance. However, tax benefits are subject to the Malaysian Income Tax Act, 1967, and the final decision of the Inland Revenue Board of Malaysia.

If the Life Assured is hospitalised at the Room and Board rate which is higher than the entitled benefit, the Life Assured has to pay the exceeded amount of the Hospital Room and Board charges and a co-payment equivalent to 20% of the other eligible Hospital and Surgical benefits described in the Schedule of Benefits, subject to a maximum of RM1,000 for any one (1) disability. However, if you select Plan300, Plan400 and Plan500, the co-payment will be waived and you only need to pay the exceeded amount of the Hospital Room and Board charges.

For MaxHealth Plan, if you select the RM3,000 deductible option, you must first pay a fixed amount of RM3,000 out of the eligible amount payable upon claims, for any one (1) disability. However, the benefits under Outpatient Treatment Benefits and Other Benefits are not subjected to this deductible.

By selecting the RM3,000 deductible option, you will enjoy savings through lower premium rates. Below is an example of the amount of premium that you can potentially save:

Mr. X is currently 30 years old (age next birthday) and intends to purchase Plan200. By selecting the RM3,000 deductible option, he could potentially save a total of RM 156,736 in premiums throughout his policy term of 70 years. Please refer to the table below for the amount you can potentially save by selecting the RM3,000 deductible option instead of the zero deductible option.

Example:
Mr. A purchased Plan150 and opted for the deductible option of RM3,000. Six years later, he has to undergo a surgery which requires 2 days of hospitalisation. He is entitled for the RM150 Room and Board rate, but decides to upgrade to a room that cost RM200 per day.

What are the restrictions, conditions and exclusions for MaxHealth Plan? This plan does not cover any hospitalisation, surgery or charges caused directly or indirectly, wholly or partially, by any one (1) of the following occurrences:-

1. Pre-existing Illness;
2. Any medical or physical conditions arising within the waiting period of thirty (30) days except for Accidental Injuries;
3. Specified Illnesses occurring within the first one hundred and twenty (120) days from the Effective Date of Insurance;
4. Plastic/cosmetic surgery, circumcision, eye examination, glasses, lens and refraction or surgical correction of nearsightedness and farsightedness (Radial Keratotomy or Lasik) and the use or acquisition of external prosthetic appliances or devices such as artificial limbs, hearing aids and prescriptions thereof;
5. Dental conditions including dental treatment or oral surgery; except as necessitated due to Accidental Injuries to sound natural teeth occurring in any Policy Year and performed by Dentist. In addition, expenses arising from placement of denture and prosthetic services such as bridges, implants and crowns or their replacement will not be payable;
6. Private nursing, rest cures or sanitaria care, illegal drugs, intoxication (including but not limited to alcohol and drugs), sterilisation, venereal disease and its sequelae, AIDS (Acquired Immune Deficiency Syndrome) or ARC (AIDS Related Complex) and HIV related diseases, and any communicable diseases required quarantine by law;
7. Any treatment or surgical operation for Congenital Conditions or deformities including hereditary conditions;
8. Pregnancy, childbirth (including surgical delivery and any surgical or non-surgical procedures on the female reproductive system during surgical delivery), miscarriage, abortion and prenatal or postnatal care and surgical, mechanical or chemical contraceptive methods of birth control or treatment pertaining to infertility. Erectile dysfunction and tests or treatment related to impotence or sterilization;
9. Hospitalisation primarily for investigatory purposes, diagnosis, X-ray examination, general physical or medical examinations, not incidental to treatment or diagnosis of a covered Disability or any treatment which is not Medically Necessary and any preventive treatments, preventive medicines or examinations carried out by a Physician, and treatments specifically for weight reduction or gain;
10. Suicide, attempted suicide or intentionally self-inflicted injury while sane or insane;
11. War or any act of war, declared or undeclared, criminal or terrorist activities, active duty in any armed forces, direct participation in strikes, riots and civil commotion or insurrection;
12. Ionizing radiation or contamination by radioactivity from any nuclear fuel or nuclear waste from process of nuclear fission or from any nuclear weapons material;
13. Expenses incurred for donation of any body organ by a Life Assured and cost of acquisition of the organ including all costs incurred by the donor during organ transplant and its complications;
14. Investigations and treatment of sleep and snoring disorders, hyperhidrosis treatment, hormone replacement therapy, stem cell therapy, positron emission tomography (PET) scan and alternative therapy such as treatment, medical service or supplies, including but not limited to reflexology, bone setting, herbalist treatment, massage, hyperbaric oxygen therapy or aromatherapy or other alternative treatment, except as provided for Post-Hospitalisation Treatment and Alternative Medicine – Chiropractic, Chiropody, Homeopathy and Osteopathy;
15. Care or treatment for which payment is not required or to the extent which is payable by any other insurance or indemnity covering the Life Assured and Disabilities arising out of duties of employment or profession that is covered under a Workman’s Compensation Insurance Contract or from either sources in respect of Injury or Illness or Disease for which the claim is made;
16. Psychotic, mental or nervous disorders, (including any neuroses and their physiological or psychosomatic manifestations);
17. Costs/expenses of services of a non-medical nature, such as television, telephones, telex services, broadband services, electricity bills for handphone charging, radios or similar facilities, admission kit/pack and other ineligible non-medical items;
18. Sickness or Injury arising from racing of any kind (except foot racing), hazardous sports such as but not limited to parachuting, sky-diving, water skiing, underwater activities requiring breathing apparatus, winter sports, professional sports and illegal activities;
19. Engaging in aerial flights other than as a crew member or as a fare-paying passenger of an international Airline operating on a regular scheduled route; Private flying other than as a fare-paying passenger in any commercial scheduled airlines licensed to carry passengers over established routes;
20. Expenses incurred for sex change;
21. Any Outpatient treatment not related to Inpatient treatment, except as provided under this plan;
22. Any Accident caused by mosquito bites, worm infestations such as “Hookworms” and allergic reaction to insect bites during the first thirty (30) days from the Effective Date of Insurance; or
23. Charges which are not Reasonable and Customary Charges, or any surgery or treatment which is not Medically Necessary, or charges in excess of Reasonable and Customary Charges, or charges which are incurred for Hospitalisation, Pre-Hospitalisation and/or Post-Hospitalisation after the Expiry Date.

Room and Board Benefit
Coverage of daily room charges as billed by a hospital for the cost of accommodation, meals, and general nursing care.

Lifetime Limit
The maximum aggregate amount claimable from the time the policy is bought until the policy coverage expires.

Annual Limit
The maximum amount of money you can claim for a policy year.

Panel Hospital
A Hospital approved and identified by the insurer to provide treatment to the Life Assured.

Guardian Benefit
Reimbursement for expenses incurred for meals and lodging when a guardian accompanies a hospitalised Life Assured who has not attained aged fifteen (15) years.