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Benefits
BENEFITS TABLE
Schedule of benefits for MediRider & MediRider Plus
WHAT IS CO-INSURANCE?
Co-Insurance is the sharing of medical charges. For MediRider, co-insurance
is 10%, which is among the lowest available in the market. This means that
you only pay for 10% of your medical bills and the remaining 90% will be
covered by the insurance company.
Example:
If you have taken up MediRider 100 and your Room & Board expenses are
within coverage you only pay 10% of the eligible medical expenses.
| Eligible medical expenses |
: |
RM8,000 |
| Paid by Insurance Company (RM 8,000 x 90%) |
: |
RM7,200 |
| Paid by you (RM 8,000 x 10%) |
: |
RM800 |
If you have purchased MediRider Plus, you can make further claims. The additional
coverages under MediRider Plus are also subjected to the 10% co-insurance.
EXCLUSIONS
| No benefit shall be payable
if any hospitalistion, surgery or charge is caused directly or indirectly,
wholly or partly, by any one (1) of the following occurrences: |
| a) |
Pre-existing illness as defined herein |
| b) |
Specified illness occurring during the
first one hundred and twenty (120) days of continuous coverage |
| c) |
Any medical or physical conditions arising within the
first thirty (30) days of the Covered Person’s coverage reinstatement,
whichever is latest except for accidental injuries. |
| d) |
Plastic/Cosmetic surgery, circumcision, eye-examination,
glasses and refraction or surgical correction of nearsightedness (Radial
Keratotomy or Lasik) and the use or acquisition of external prosthetic
appliances or devices such as artificial limbs, hearing aids, implanted
pacemakers and prescription thereof other than those covered under sub-section
(d) of MediRider Plus Benefits |
| e) |
Dental conditions including dental treatment or oral
surgery except as necessitated by accidental injuries to sound natural
teeth occurring wholly during the period of insurance. |
| f) |
Private nursing, rest cure or sanitaria care, illegal
drugs, intoxication, sterilisation, venereal disease and its sequelae,
AIDS (Acquired Immune Deficiency Syndrome) or ARC (AIDS Related Complex)
and HIV related diseases, and any communicable diseases requiring quarantine
by law. |
| g) |
Any treatment or surgical operation for congenital
abnormalities or deformities including hereditary conditions. |
| h) |
Pregnancy, child birth (including 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 sterilisation. |
| i) |
Hospitalisation primarily for investigatory purposes,
diagnosis, X-ray examinations, 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 treatment,
preventive medicine or examination carried out by a Physician, and treatments
specifically for weight reduction or gain. |
| j) |
Suicide or attempted suicide or intentionally self-inflicted
injury while sane or insane. |
| k) |
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. |
| l) |
Ionising radiation or contamination by radioactivity
from any nuclear fuel or nuclear waste from process of nuclear fission
or from any nuclear weapons material. |
| m) |
Expenses incurred for donation of any body organ by
the Covered Person and cost of acquisition of the organ including all
costs incurred by the donor during organ transplant and its complications. |
| n) |
Investigation and treatment of sleep and snoring disorders,
hormone replacement therapy and alternative therapy such as treatment,
medical service or supplies, including but not limited to chiropractic
services, acupuncture, acupressure, reflexology, bone setting, herbalist
treatment, massage or aroma therapy or other alternative treatment. |
| o) |
Care or treatment for which payment is not required
or to the extent which is payable by any other insurance or indemnity
covering the Insured and Disabilities arising out of duties of employment
or profession that is covered under a Workman’s Compensation Insurance
Contract. |
| p) |
Psychotic, mental or nervous disorders, (including
any neuroses and their physiological or psychosomatic manifestations). |
| q) |
Costs/expenses of services of a non-medical nature,
such as television, telephones, telex services, radios or similar facilities,
admission kit/pack and other ineligible non-medical items. |
| r) |
Sickness or Injury arising from racing of any kind
(except foot racing), hazardous sports such as but not limited to skydiving,
water skiing, underwater activities requiring breathing apparatus, winter
sports, professional sports and illegal activities. |
| s) |
Private flying other than as a fare-paying passenger
in any commercial scheduled airlines licensed to carry passengers over
established routes. |
| t) |
Expenses incurred for sex changes. |
For more information, visit any Maybank branch
near you today, or please call our
Or, please complete our
Our Financial Executives will be happy to discuss with you on a no-obligation basis. The consultancy
service is entirely free.
This plan is underwritten by Mayban Life Assurance Berhad (235175-H), a subsidiary
of Malayan Banking Berhad (3813-K).
You should satisfy yourself that this scheme will best serve your needs and
that the premium payable under the policy is an amount you can afford. This
web page is not part of the contract of insurance. The precise benefits, terms
and conditions and other details are available in the Policy Contract. You
will be given a copy of the Policy Contract as proof of purchase
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