MEDICAL
Unlimited medical coverage with no health check-up required.
Medical care costs have been rising through the years. If you fall ill, you want to focus on recovery, not payments. OneMedical Insurance Plan will help ease the financial burden if you or your family members fall sick.
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Easy Application Instant approval. Get coverage without the hassle of medical examination. |
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Cashless Hospital Admissions Guarantee Letters provided with just one call to our 24/7 hotline. |
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High Coverage Limit Unlimited lifetime medical cover and high annual limit of up RM150,000 |
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| Rising medical costs | Cashless hospital admission with immediate Guarantee Letter via Etiqa+ app |
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Plan Type |
Plan 1 |
Plan 2 |
Plan 3 |
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Overall Lifetime Limit |
No Limit |
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Overall Annual Limit |
RM50,000 |
RM100,000 |
RM150,000 |
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Inpatient & Day Care Surgery Benefits |
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Hospital Room & Board Chargers (RM per day limit) |
RM160 |
RM280 |
RM360 |
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Hospital Room & Board Chargers (Number of days per annum limit) |
No Limit |
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Intensive Care Unit Charges (No limit on days per annum) |
No charged (subject to overall annual limit) |
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Surgical Fees, Anaesthetist Fees, Operating Theatre Fees and Hospital Supplies & Service Charges |
As Charged (subject to overall annual limit) |
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In-Hospital Physician/Specialist Visit Charges (limit of 2 visits per day) |
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Day Care Surgery Fees |
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Ambulance Fees |
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Outpatient Benefits |
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Pre-Hospitalisation Diagnostic Test Charges (within 60 days prior to hospitalisation) |
As Charged (subject to overall annual limit) |
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Pre-Hospitalisation Consultation Fees (within 60 days prior to hospitalisationmaximum of 2 General Practitioner and 1 Specialist Consultations) |
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Post-Hospitalisation Treatment Charges (within 90 days after discharge) |
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Emergency Accidental Outpatient Treatment Charges |
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Outpatient Kidney Dialysis Treatment Charges |
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Outpatient Cancer Treatment Charges |
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Communicable Disease Cash Benefit |
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A lump sum cash benefit is payable upon diagnosis and hospitalisation within Malaysia due to the covered communicable diseases listed below:
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RM2,000 (maximum 3 claims, subject to 1 claim per policy year) |
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Deductible (Optional) |
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Deductible Amount |
RM1,000 per hospitalisation (applicable to the “Inpatient & Day Care Surgery Benefits” section) |
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Important Notes:
Malaysian citizens aged between 17 to 55 years old
Easy online application with instant approval without medical examination required!
PIDM Protection
The benefit(s) payable under eligible product is protected by PIDM up to limits. Please refer to PIDM’s TIPS Brochure or contact Etiqa Life Insurance Berhad or PIDM (visit www.pidm.gov.my).
