Malaysia Health Insurance

Malaysia Medical Card Insurance, Critical Illness Insurance Malaysia, Medical & Health Insurance Malaysia, Hospital & Surgical Insurance Malaysia, Group Medical Benefits Malaysia, Personal Accident Insurance Malaysia, Malaysia Senior Gold Life Protection Insurance, Malaysia Health Insurance, Malaysia Hospital Insurance, Health Insurance Malaysia.
Malaysia Largest Insurance Solution Service provider IVR3013
Malaysia Medical Card Insurance, Malaysia Heath Insurance
(Comprehensive Medical & Health Insurance Coverage)
Arranged By ACPG Management Sdn Bhd.
Your Trusted and Experience Malaysia Largest Risk Management Medical Insurance Solution Services Provider since year 1989.
ACPG Medical Insurance Assistance Careline +603-92863323.
Please Download ACPG Company Profile here!!


Medical Card Health Insurance Malaysia

Medical Life 210
Underwritten By Zurich Insurance Malaysia Berhad Arranged By ACPG Management Sdn Bhd. ACPG careline : +603-92863323 Email : Homepage :

Your life is always precious, especially to your loved ones. It’s a sad  reality but life can be changed forever through a freak accident, a sudden heart  attack or a dread disease. Its effects can be devastating, especially on your  family! So, don’t let yourself be caught unprepared for these sudden mishaps.

Protect yourself against the rising cost of medical treatment with MedicaLife  210.


This is a guaranteed renewal policy up to age 80. MedicaLife 210 is a  standalone Hospitalisation & Surgical policy with 4 plans available for the  Insured. It prepares policyholders for costly medical expenses with high  lifetime limit – as high as RM 1,200,000.

The Insured will be provided with a MedicaLife 210 Medical Card to facilitate  hospital admission. The Medical Card is accepted by a panel of quality hospitals  nationwide.

The Insured will also get to enjoy international assistance programs with  MedicaLife 210. The services offered are International Medical Assistance,  Travel Assistance, Car Assistance and Home Assistance.

Malaysia Largest Insurance Solution Service provider IVR3015

Schedule of Benefit

Overall Annual Limit 50,000 100,000 150,000 200,000
Overall Lifetime Limit 300,000 600,000 900,000 1,200,000
Out-Patient Kidney Dialysis Treatment Lifetime Limit 50,000 150,000 225,000 300,000
Out-Patient Cancer Treatment Lifetime Limit 75,000 200,000 300,000 400,000
Hospital Room & Board (Max. 200 days per annum) 120 180 260 350
Intensive Care Unit (Max. 60 days per annum) As Charged (Subject to Reasonable and  Customary Charges)
Hospital Supplies & Services
Surgical Fees
Anaesthetist Fees
Operating Theatre
Pre-Hospital Diagnostic Tests (Within 60 days prior to  admission)
Pre-Hospital Specialist Consultation (Within 60 days prior to  admission)
In-Hospital Physician Visit (Max. 200 days per annum)
Post Hospitalisation Treatment (Within 60 days from discharge)
Emergency Accidental Out-Patient Treatment (Within 72 hours and  follow-up treatment to a max. of 31 days) As Charged (Subject to Reasonable and  Customary Charges)
Out-Patient Physiotherapy Treatment (Within 90 days from discharge/  surgery)
Out-Patient Kidney Dialysis Treatment
Out-Patient Cancer Treatment
Ambulance Fees (Max. per disability) 300 400 500 750
Daily Cash Allowance at Government Hospital (Max. 200 days per  annum) 50 60 75 85
Home Nursing Care (Max. per disability) 500 750 1,000 1,500
Insured Child’s Daily Guardian Benefit (Max. per disability) 200 250 300 400
Medical Report Fees (Max. per disability) 100 120 120 120
Government Service Tax As Charged
This policy is non-cancelable by the insurer until the  occurrence of any of the following :
(a) non payment of premium or premium not made on  time.
(b) Fraud or misrepresentation of the material fact during  application.
(c) the policy is cancelled at the request of the  policyholder.
(d) total claim of the policy have reached the Overall  Lifetime Limit specified and/or on the death of the insured person.
(e) the insured person attains the maximum coverage age of 80  years old.

Who is Eligible?

You can be insured with Zurich MedicaLife 210 if you are between 0 (30 days) and 59  years old (age last birthday).

Please Download Malaysia Medical Card Protection Plan Brochure Here !

A Premium Health Plan with the Widest Coverage –
ACPG AXA SmartCare Optimum Medical Card Plan (Worldwide Coverage)

An illness or accident can put a real strain – on your well-being  as well your finances. But now you don’t have to worry about the  expenses. Let  ACPG AXA SmartCare Optimum concentrate on the bills whilst you concentrate on getting better.
  • Wider protection and flexibility from four different plans with coverage up to RM500,000.00
  • Outpatient treatment includingaccident and emergency treatment

    kidney dialysis

  • cancer treatment
  • Deductible OptionYou may choose to buy Deductible Option where you pay the first RM7,500, RM10,000, RM15,000 or RM20,000 of your hospitalization bills.

    You will be entitled to a premium discount up to 50%

  • No need to declare health status if you decide to convert this Deductible policy to Non-deductible policy subject to following conditions:Insured’s age next birthday is 59 or below,

    the coverage for the Insured has been inforced for at least 2 continuous policy years,

    conversion is only allowed upon policy renewal,

    coversion is for the same plan only,

    Insured must submit a written request to the Company,

    the required additional premium must be paid,

    any existing loadings and/or exclusions shall continue as per the original Deductible Policy,

  • one time conversion is allowed per lifetime.
  • Cashless Admission facilities
  • admission into any of our AXA ‘s panel hospitals without paying cash deposit
  • 24 hour assistance on medical referrals and travel information
  • 24 hour telephone medical consultationtelephone referral i.e. doctors and hospitals
  • emergency medical evacuation and repatriation services outside Malaysia
  • Income tax relief
  • You can qualify for income tax relief up to RM3,000 for medical insurance premium
OVERALL ANNUAL LIMIT (benefit within Malaysia, annual maximum) RM500,000 RM200,000 RM100,000 RM50,000
Room & Board, daily maximum
Room Category

Total number of days

Basic Suite
Standard Single Room
Double Bedded Room
Four Bedded Room
150 days 120 days 120 days 120 days
Intensive care unit, daily maximumTotal number of days Full Reimbursement
60 days 60 days 60 days 60 days
Ambulance Full Reimbursement RM350 RM350
Insured Child’s Daily Guardian Benefits (for child below 15 years old, up to 60 days) Full Reimbursement Not Applicable
Prescription Drugs Full Reimbursement
Nursing, Theatre Consumables & other Ancillary Charges Full Reimbursement
Surgeon’s Fees Anesthetist’s Fee Diagnostic Procedures & Physiotherapy Physician Fees, one visit per day Specialist fees, one visit per day Full Reimbursement subject to Overall Annual Limit provided the charges are within the recommendations of the Malaysian Medical Association Guidelines and Reasonable and Customary charges
Operating Theatre Full Reimbursement
Malaysian Government Hospital Daily Cash AllowanceTotal number of days RM100150 days RM100120 days RM100120 days RM100120 days
Consultations & Diagnostic Procedures within 31 days before hospital confinement RM5,500 RM3,500 RM2,500 RM1,500
Post Hospitalisation Care and Physiotherapy Treatment within 31 days from hospital discharge RM5,500 RM3,500 RM2,500 RM1,500
Accident & Emergency Treatment within 31 days from the date of the accident
Full Reimbursement
Kidney Dialysis, lifetime maximum RM150,000 RM100,000 RM40,000 RM30,000
Cancer Treatment, lifetime maximum RM150,000 RM100,000 RM40,000 RM30,000
Accidental Death Benefit RM3,000 RM3,000 RM3,000 RM3,000
International Emergency Medical Evacuation and Repatriation, per annual maximum RM500,000 Not Applicable
Malaysia Largest Insurance Solution Service provider IVR3019
If you would like to know more, please email to or
contact ACPG Medical Careline +603-92863323.
Hospital Admission Hotline

03-2296 3188

Cashless Admission (Panel Hospitals Only) Just present your Datalink Healthcare Card for cashless, hassle-free  admission.

If you do not have the card with you at the time of  admission, call the hotline above and inform the operator your name and  identity card number.

Panel Hospitals Click here to read/download our panel hospitals.

FAQ for ACPG AXA SmartCare Optimum Medical Card Plan

Who is eligible to join? If  you are in the age group of 1 to 59 as of your next birthday, you are  eligible to join. We offer renewal up to age 80 provided you were  already a member on your 59th birthday.

Dependent children (unmarried & unemployed) must be above 15 days and under 19 years of age, or  under 23 years of age if the child is still on full-time higher  education in Malaysia. If a policy is taken up for one member only, who  is a child below 2 years of age, the child’s health records have to be  submitted for underwriting review.

Is there a surgical schedule? No. There is no surgical schedule. Benefits are payable on a full refund basis.

What is cashless admission? This means that you don’t have to pay deposits to the hospital if you are admitted to one of the AXA panel hospitals. We will pay, provided the nature of accident or illness is covered under the policy.

What does international emergency medical assistance provide? It provides 24 hours telephone medical consultation, telephone referral to doctors and hospitals, emergency medical evacuation and repatriation  services outside Malaysia.

Are the Premiums Guaranteed? We may charge the premiums in the future as the premium rates are not  guaranteed. If we need to charge, this will be based on our overall  experience in underwriting this class of business and any changes in  Premiums will be notified and made on your policy anniversary.

Is the Renewal Guaranteed? There is no selective Renewal Loading or Exclusion on individual if claim is  made during previous year. No restriction on lifetime limit and full  annual limit is restated at Policy Renewal . However, the renewal of the Policy is at the option of Policyowner until the occurrence of any of  the following:-

a) non payment of premiums or premiums not made on time
b) fraud or misrepresentation of material fact during application
c) the Policy is cancelled at the request of the policyholder
d) on the death of the policyholder or an Insured Person
e) the Insured Person ceases to qualify as a dependent based on the definitions of the Policy
f) the Insured Person attains the coverage age limit specified
g) termination of coverage for all policies in a certain market

What are the disadvantages on switching policy from one insurer to another? One of the main disadvantages is if your current health status is less  favourable to the new insurer, new terms may be imposed to exclude such  illness To ensure continuous cover is provided, you are advised to check with us on the accepting terms prior to your policy expiry date.

Malaysia Largest Insurance Solution Service provider IVR3017
Malaysia Children Medical & Health Insurance Policy …..not just a children health plan, but a plan for good health
Despite efforts to stay healthy, illnesses can strike suddenly,
No matter how careful you n your …

family members are, accidents can happen any time.
When they do, you would  want immediately access to the best medical care you can get. However,  you know that hospitalization is expensive. Medical costs are high, and  getting higher every year. How do you ensure that you and your family  get the medical care you want for yourself and your family?
ACPG Children Medical & Health Insurance Plan can help put  your mind a rest. Helping you deal effectively with all serious health  problems, from the need for prompt diagnosis to prearranged care at an  approved panel hospital of your choice. In the event of serious medical  emergencies, you can be covered for immediate admission to the nearest  approved panel hospital.
With ACPG Children Medical & Health Insurance Plan, you need  not worry about funding for your healthcare costs or it being a burden  on yourself and your loved ones. All you have to do is to select from a  choice of Children Medical Insurance Plans that suits your needs.
ACPG Children Medical & Health Insurance Plan
– List of Product Range Medical Card Critical Illness Care
List of Special Extended or Unique coverage Guarantee Renewal
High Lifetime Limit
Second Surgical Opinion
AIDs Coverage
Pregnancy Complications Maternity Death
Out Patient Specialist Care
Out Patient GP Care
Home Nursing
Accidental Facial
Female Cancer
Ambulance Fees
Daily Cash Allowance at Government
Hospital Pregnancy /
Maternity Benefits Accidental Death /
Permanent Total Disablement
ACPG Children Medical & Health Insurance Policy underwritten by
Our Principal Insurers,
Malaysia Largest Insurance Solution Service provider IVR3018
Critical Illness Insurance Malaysia

ProLife 36 Super Basic

Now You Can Ease The Financial Suffering Caused By Critical Illnesses

Life is beautiful. It is no secret that everyone would love to keep it that  way – forever!

No one likes to think of the possibility of rain on a sunny day. Similarly,  we always take it for granted that we will always be as fit and healthy as we  are today.

It’s a sad thing but it’s a fact – critical illness can strike anyone  at anytime – and at any age.

Today, the odds of surviving a critical illness/dread disease are great,  thanks to the advances in medical science.

The question is will your finances  survive too? Think about the trauma and stress that you and your loved ones  would have to go through.

Think about having to battle cancer and yet having to  go back to work, work, work – just to pay off the extra expenses like medical  bills.

The trauma and stress can be debilitating!

ProLife 36 Super Basic is a new way of protecting yourself against the high  cost of rebuilding your lifestyle following critical illness/dread disease.

Think about what a difference this money will make towards helping with  recovery, for adapting to a new lifestyle, helping to support the family  financially, or perhaps saving your business.

How you spend the money is  completely up to you. But one thing is for sure: everyone – single, married,  parent or business owner – has a real need for this coverage. Thankfully it is  available to everyone, from age 1 month to 55 years. You can obtain it if you  are still eligible.

Act now!

Malaysia Largest Insurance Solution Service provider IVR3016
Type of Critical Illness/Dread Disease Covered:

Alzheimer’s Disease/Irreversible Organic Degenerative Brain Disorders

Aplastic Anaemia
Bacterial Meningitis
Balloon Angioplasty
Benign Brain Tumor
Brain Surgery
Chronic Liver Disease
Chronic Lung Disease
Coronary Artery Bypass Surgery
Full Blown Aids
Fulminant Viral Hepatitis Heart Attack (Myocardial Infraction)
Heart Valve Replacement
HIV Due to Blood Transfusion
Kidney Failure
Laser Treatment or any other Invasive Treatment for Coronary Artery  Disease
Loss of Hearing/Deafness
Loss of Speech
Major Burns
Major Organ Transplant
Motor Neurone Disease
Multiple Sclerosis
Muscular Dystrophy Occupationally Acquired HIV Infection Paralysis/Paraplegia
Parkinson’s Disease
Poliomyelitis Primary
Pulmonary Arterial Hypertension
Surgery to Aorta
Terminal Illness

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