MCIS Life MCIS Life

Life’s a journey.
Live it in good health.

I'm Interested Download Brochure
The benefit(s) payable under eligible product are protected by PIDM up to limits. Please refer to PIDM’s TIPS Brochure or contact MCIS Life or PIDM (visit www.pidm.gov.my).
M-Health Secure

Life’s a journey.
Live it in good health.

I'm Interested Download Brochure
The benefit(s) payable under eligible product are protected by PIDM up to limits. Please refer to PIDM’s TIPS Brochure or contact MCIS Life or PIDM (visit www.pidm.gov.my).

Choose to Live Your Life, Your Way with Our Accessible Medical Plan.

M-Health Secure Benefits*

Affordable-Premium
Comprehensive medical coverage
Variable-Premium
Unlimited Overall Lifetime Limit
Basic Sum
Multiple plans and Deductible options to meet different needs and affordablity
Affordable-Premium
Outpatient Cancer Treatment & Kidney Dialysis Treatment
Variable-Premium
Daily Guardian Benefit
Basic Sum
Pre & Post-Hospitalisation Treatment Benefits
*Terms and Conditions apply.
 
Faridah
Case 1

Faridah has recently started thinking about her long-term health and financial security.

David
Case 2

Krishna is a dedicated 35-year-old professional who prioritises his health to achieve his goals. He has purchased the M-Health Secure Plan 150 which includes a Deductible* of RM500.

She is concerned about unexpected medical expenses and wants to protect herself to ensure coverage in case of emergencies or unforeseen health issues. Faridah decided to purchase MCIS Life’s M-Health Secure, which meets her requirements and financial situation. Faridah purchased M-Health Secure Plan 200 with a Deductible* of RM5,000.
A few years later, Krishna experienced frequent coughing and chest pain that required further investigation.
Faridah was involved in a car accident. She sustained severe injuries and was immediately admitted to a nearby private hospital*. The total eligible medical expenses incurred was estimated to be RM60,000.
Consequently, Krishna decided to visit the doctor to further investigate his coughing issue. After evaluation, the doctor diagnosed him with lung infection, requiring surgery with a total eligible medical expenses of RM20,000.
Fortunately, Faridah recently enrolled in M-Health Secure that has an Overall Annual Limit of RM1,200,000. The total medical expenses of RM60,000 will be covered. Since she was admitted to a hospital due to Emergency Treatment, Faridah did not have to pay the Deductible* and worried about paying out of pocket for the eligible medical expenses.
As he owns M-Health Secure, Krishna's eligible medical expenses will be covered. He will be responsible for the Deductible* amount of RM500 and the remaining RM19,500 will be paid by MCIS Life. This leaves him with an Overall Annual Limit of RM980,500 for the remainder of the policy year.

Plan details: Plan 200 & Deductible: RM5,000

Bill amount (RM) Deductible Remaining of Overall Annual Limit (OAL) Remarks
RM60,000 Not applicable RM1,200,000 – RM60,000 = RM1,140,000 The Deductible* is not applicable since it is an Emergency Treatment.


*Treatment sought at a Malaysian Government Hospital or Emergency Treatment is not subject to Deductible.

Plan details: Plan 150 & Deductible: RM500

Bill amount (RM) Deductible Remaining of Overall Annual Limit (OAL) Remarks
RM20,000 RM500 RM1,000,000 – RM19,500= RM980,500 The Deductible* amount is payable by Krishna.


*Treatment sought at a Malaysian Government Hospital or Emergency Treatment is not subject to Deductible.

Faridah
Case 1

Faridah has recently started thinking about her long-term health and financial security.

She is concerned about unexpected medical expenses and wants to protect herself to ensure coverage in case of emergencies or unforeseen health issues. Faridah decided to purchase MCIS Life’s M-Health Secure, which meets her requirements and financial situation. Faridah purchased M-Health Secure Plan 200 with a Deductible* of RM5,000.
Faridah was involved in a car accident. She sustained severe injuries and was immediately admitted to a nearby private hospital*. The total eligible medical expenses incurred was estimated to be RM60,000.
Fortunately, Faridah recently enrolled in M-Health Secure that has an Overall Annual Limit of RM1,200,000. The total medical expenses of RM60,000 will be covered. Since she was admitted to a hospital due to Emergency Treatment, Faridah did not have to pay the Deductible* and worried about paying out of pocket for the eligible medical expenses.
Bill amount (RM) Deductible Remaining of Overall Annual Limit (OAL) Remarks
RM60,000 Not applicable RM1,200,000 – RM60,000 = RM1,140,000 The Deductible* is not applicable since it is an Emergency Treatment.

*Treatment sought at a Malaysian Government Hospital or Emergency Treatment is not subject to Deductible.

David
Case 2

Krishna is a dedicated 35-year-old professional who prioritises his health to achieve his goals. He has purchased theM-Health Secure Plan 150 which includes a Deductible* of RM500.

A few years later, Krishna experienced frequent coughing and chest pain that required further investigation.
Consequently, Krishna decided to visit the doctor to further investigate his coughing issue. After evaluation, the doctor diagnosed him with lung infection, requiring surgery with a total eligible medical expenses of RM20,000.
As he owns M-Health Secure, Krishna's eligible medical expenses will be covered. He will be responsible for the Deductible* amount of RM500 and the remaining RM19,500 will be paid by MCIS Life. This leaves him with an Overall Annual Limit of RM980,500 for the remainder of the policy year.
Bill amount (RM) Deductible Remaining of Overall Annual Limit (OAL) Remarks
RM20,000 RM500 RM1,000,000 – RM19,500= RM980,500 The Deductible* amount is payable by Krishna.

*Treatment sought at a Malaysian Government Hospital or Emergency Treatment is not subject to Deductible.

Learn More

M-Health Secure is a non-participating yearly renewable standalone medical plan that provides coverage for hospitalisation and surgical expenses due to illness or accidental injury up to age 100 next birthday. There are a range of plan and Deductible options to be chosen.

This plan is available to individuals at the minimum and maximum entry age as per the table below:
 
Minimum Entry Age Maximum Entry Age
30 days 70 years old
(Age Next Birthday)

This plan provides coverage up to one hundred (100) next birthday.

The premium varies according to the Life Assured’s age next birthday, gender, selected plan, Deductible option, occupational class and medical rating, where applicable.

The premium is not guaranteed. The Company reserves the right to revise the premium by giving thirty (30) days prior written notice. Claims experience, cost of medical treatment and medical inflation are some of the factors which may contribute to the adjustment of the premium.

Yes, the premiums paid may qualify you for a personal tax relief for medical insurance, subject to the final decision of the Inland Revenue Board of Malaysia.

Deductible is the fixed amount equivalent to the Deductible selected that you must first pay before the total Eligible Expenses incurred will be payable by the Company, subject to Overall Annual Limit.

This plan does not cover any Hospitalisation, Surgery or charges caused directly or indirectly, wholly or partly, by any one (1) of the following occurrences:-

  • Pre-Existing Conditions; or

  • Any Disability (except for Injury) and its signs or symptoms that appear within thirty (30) days from the Effective Date of Insurance; or

  • Specified Illnesses within one hundred and twenty (120) days from the Effective Date of Insurance; or

  • Plastic/cosmetic surgery, circumcision (unless due to the Medically Necessary treatment for a disease), eye examination, glasses, lens and refraction or surgical correction of nearsightedness and farsightedness (Radial Keratotomy) and the use or acquisition of external prosthetic appliances or devices such as hearing aids, double eyelids, acne, keloids, scars, skin tags, xanthelasma, gynaecomastia, diffused alopecia/hair loss, or treatment of their complications and prescriptions thereof; or

  • Dental conditions including dental treatment, oral surgery, cancer, orthognathic surgery, jaw alignment, treatment for the temporomandibular joint, upper and lower jawbone surgery except for direct treatment of acute traumatic injury as necessitated by Accidental Injuries to sound natural teeth occurring wholly in any Policy Year. Expenses arising from placement of denture and prosthetic services such as bridges, implants and crowns of their replacement for Accidental Injury cases will not be payable; or

  • Private nursing, rest cures or sanitaria care, illegal drugs, intoxication (including but not limited to alcohol and drugs), sterilisation, venereal disease and its sequelae, Acquired Immune Deficiency Syndrome (AIDS), AIDS Related Complex (ARC) and Human Immunodeficiency Virus (HIV) related diseases, and any communicable diseases required quarantine by law; or

  • Any treatment or surgical operation for congenital abnormalities or deformities including hereditary conditions or developmental elements and any Disability or complications arising therefrom inclusive but not restricted to such as dermoid cysts, childhood hernias/hydrocele (all hernia up to age of six is not covered), clubfoot, Ventricular Septal Defect (VSD), Atrial Septal Defect (ASD), Thalassemia, Squint eye, Haemangioma, Traditional Complimentary Medicine etc; or

  • 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; or

  • Erectile dysfunction and tests or treatment related to impotence or sterilisation; or

  • 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; or

  • Injuries or Hospitalisation as a result of drug abuse, addictive disorders from substance misuse or while under the influence of alcohol; or

  • Suicide, attempted suicide or intentionally self-inflicted injury while sane or insane; or

  • 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; or

  • Criminal act, involvement in breach of law (unless as an innocent party) or membership of an illegal organisation; or

  • Ionising radiation or contamination by radioactivity from any nuclear fuel or nuclear waste from process of nuclear fission or from any nuclear weapons material; or

  • Expenses incurred for donation of any body organ by a Life Assured and cost of acquisition of the organ, transportation, storage including all costs incurred by the donor during organ transplant and its complications; or

  • Investigation 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; or

  • 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 other sources in respect of Injury or Illness or Disease for which the claim is made; or

  • Psychotic, mental or nervous disorders (including any neuroses and their physiological or psychosomatic manifestations); or

  • 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, newspaper and other ineligible non-medical items; or

  • Sickness or Injury arising from racing of any kind (except foot racing), hazardous sports such as but not limited to parachuting, skydiving, water skiing, underwater activities requiring breathing apparatus, mountaineering, winter sports, professional sports and rock-climbing; or

  • Engaging in aerial flights and private flying other than as a crew member or a fare-paying passenger in any commercial scheduled airlines licensed to carry passengers over established routes; or

  • Expenses incurred for sex change; or

  • Any Outpatient treatment not related to Inpatient treatment, except as provided under the Policy; or

  • 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.

Note:

This list is non-exhaustive. Please refer to the policy contract for the full list of exclusions under the policy

Note

  • The product information provided on this website is for general information only and shall not be construed as a policy of insurance. You are advised to refer to the Product Brochure, Sales Illustration (if applicable), Product Disclosure Sheet and Policy Contract for complete details of the product.
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