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Toll Free : 1 800 88 1138 (Non Life)
MSIG Panel Hospital List
What is No Claim Discount (NCD)?
The No Claim Discount (NCD) is a reward scheme received by motor policy holders for not making a claim during the preceding 12 months.
How much of No Claim Discount (NCD) am I entitled to?
Consumers are eligible for NCD ranging from 0% to 55% of the premium payable depending on the type of vehicle, coverage and number of years claim not intimated. For a private car, the scale of NCD ranges from 0% to 55% as provided in the policy/certificate whereas for motorcycles and commercial vehicles, it ranges from 0% to 25%.
Find out the current insurer for your vehicle, type of coverage, policy period and policy number by entering your details
ACPG Insurance Business since Year 1989
Malaysia Medical & Health Insurance (Group / Individual), Malaysia Medical Card, Malaysia Medical Insurance, Malaysia Hospital Insurance,Malaysia Accident Insurance,Malaysia Senior Gold Life Insurance
Your Trusted Malaysia Insurance Services Provider
+603-92863323. 
Arranged By ACPG Management Sdn Bhd.
ACPG careline : +603-92863323
+603-92863323Email : enquiry@acpgconsultant.com
Homepage : www.acpgconsultant.com
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.
Benefits
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.
Schedule of Benefit
| PLANS | PLAN 1 | PLAN 2 | PLAN 3 | PLAN 4 |
| BENEFITS | RM | |||
| 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 |
| |
LIMIT | |||
| HOSPITAL BENEFITS | ||||
| 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) |
||||
| OUT-PATIENT BENEFITS | ||||
| 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 | ||||
| OTHER BENEFITS | ||||
| 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 | |||
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).
- Wider protection and flexibility from four different plans with coverage up to RM500,000.00
- Outpatient treatment including
- accident and emergency treatment
- kidney dialysis
- cancer treatment
- Deductible Option
- You 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 consultation
- telephone 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
| BENEFITS | PLAN 1 |
PLAN 2 |
PLAN 3 |
PLAN 4 |
| OVERALL ANNUAL LIMIT (benefit within Malaysia, annual maximum) |
RM500,000 | RM200,000 | RM100,000 | RM50,000 |
| INPATIENT & DAYCARE TREATMENT (per disability) | ||||
|
Room & Board, daily maximum
Room Category
|
RM500
Basic Suite |
RM350 Standard Single Room |
RM180 Double Bedded Room |
RM100 Four Bedded Room |
| 150 days | 120 days | 120 days | 120 days | |
| Intensive care unit, daily maximum
Total 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 Allowance
Total number of days |
RM100
|
RM100
|
RM100
|
RM100
|
| OUTPATIENT TREATMENT (per disability) | ||||
| 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 |
|||
| SPECIAL BENEFITS | ||||
| 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 | ||
+603-92863323.03-2296 318803-2296 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.
.....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 ...
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
Our Principal Insurers,
MAA ASSURANCE
ALLIANZ GENERAL INSURANCE
MSIG INSURANCE
LONPAC INSURANCE
THE PACIFIC INSURANCE
CHARTIS MALAYSIA INSURANCE
KURNIA INSURAN
HONG LEONG ASSURANCE
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!
Aplastic Anaemia
Bacterial Meningitis
Balloon Angioplasty
Benign Brain Tumor
Blindness
Brain Surgery
Cancer
Cardiomyopathy
Chronic Liver Disease
Chronic Lung Disease
Coma
Coronary Artery Bypass Surgery
Encephalitis
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
Stroke
Surgery to Aorta
Terminal Illness
Underwritten By Zurich Insurance Malaysia Berhad
Arranged By ACPG Management Sdn Bhd.
ACPG careline : +603-92863323
+603-92863323Email : enquiry@acpgconsultant.com
Homepage : www.acpgconsultant.com
You’ve worked hard all your life to create a comfortable life for your loved ones. Now, it’s your turn to sit back and enjoy the fruits of your labour. Let SeniorGold make your retirement years a lot more comfortable and peaceful. For only RM50 per month, you can enjoy great benefi ts from a product that caters for your specifi c needs; super benefi ts at an unbeatable price you can enjoy at any time, anywhere in the world! So, for a worry-free life, get SeniorGold. After all, you’ve earned the right to enjoy the best life has to offer!
Insurance protection that the elderly need the most...
• No Worries. GUARANTEED ACCEPTANCE
• Coverage Renewable up to 100 years old.
• Hassle Free. NO MEDICAL CHECK UP
• Guaranteed Cash Payment
• Affordable premium as low as RM 50 per month.
• 24-Hour Protection, Worldwide
• Repatriation Benefit ts up to RM3,000
• Premium does not increase with age
• High Entry Age
• Best Coverage - Natural & Accidental Death Benefits.
Frequently asked questions
1. Who is eligible to apply for Malaysia Senior Gold Life Insurance Protection Plan?
A person whose age is 18 and above is eligible to apply. Minimum and maximum age limits for the life assured are set from 50 to 80 years old (last birthday) respectively.
2. How is the Basic Sum Assured of my policy obtained?
Your policy’s Basic Sum Assured is subject to your entry age, gender and the number of units of insurance coverage you have purchased. For example, a female aged 50 years old who has purchased 5 units of insurance coverage under SeniorGold Plan, her Basic Sum Assured will be 5 times of the amount stipulated in the Sum Assured Schedule, i.e. RM17,397 x 5 = RM86,985.
3. Will the premiums increase with my age?
No. You can rest assured that SeniorGold premium is guaranteed throughout the term of the policy.
4. Does the Basic Sum Assured change when my age increases?
Do not worry. Your Basic Sum Assured of your policy will remain unchanged regardless of your age.
5. Will I get some money back should I surrender my policy before it matures?
Yes, you will get your cash value of your policy after three (3) years your policy has been in force.
6. Are there any exclusions?
Yes, but the exclusions are only applicable to Accidental Death Benefi t (please refer to policy contract) These are:- War, Civil War, Terrorism; AIDS and Diseases including Dengue Fever and Japanese Encephalitis; Childbirth and Miscarriage; Provoked Murder or Assault; Travelling as an Aircraft Crew; Aerial Activities; Martial Arts and Racing; Radiation, Nuclear Weapons Materials, Intoxication by Alcohol and Drugs.
ACPG Hotline 603-9286 3323.
Despite efforts to stay healthy, illnesses can strike suddenly, No matter how careful you are, ...
ACPG 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 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 Medical Insurance Plans that suits your needs.
Furthermore, the annual premium you pay will qualify for the RM 3,000.00 medical tax relief subject to the final approval by the inland Revenue Board.
List of Product Range
Medical Card (Individual & Family)
Senior Age Medical Card Plan
(Entry Age up to 65, Renewal till Age 80)
Baby & Children Medical Card
Maternity/ Pregnancy Benefit
Lady 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
Our Principal Insurers,
MAA ASSURANCE
ALLIANZ GENERAL INSURANCE
MSIG INSURANCE
LONPAC INSURANCE
THE PACIFIC INSURANCE
CHARTIS MALAYSIA INSURANCE
KURNIA INSURAN
HONG LEONG ASSURANCE
Cashless Admission Facility
Easy Administration
24 hours Toll Free Assistance
Choice of Plan to Suit Your Budget
Choice to cover spouse and/or depandants
Out Patient Clinical Cover
Group Personal Accident Cover
Easy Administration
Leave the administration of your employee benefit to us and focus on your core business.
24 hours Toll Free Assistance
Just call our dedicated toll free, for enquiry and issuance of guarantee letter.
Cashless Admission Facility
This cashless facility will create expeditious and hassle free facility for admission at our network of panel hospitals. Member will not be required to upfront payment to the hospital at the time of admission. All covered services are provided on a 24 Hours Admission Assistance basis to the Insured Person.
Flexibility of Plan
Just select from the variety of plans available according to your employee’s needs and your budget.
Choice to cover Dependents
Coverage can be extended to employee’s spouse and children as well.
* Optional Rider/s
Outpatient/Clinical Insured Program
Enjoy extensive medical support from our network of GP panel clinics located nationwide on a cashless basis via an electronic card. The Medical Provider Network also includes all major hospitals nationwide.
Group Personal Accident
Provides 24-hour protection against Accidental Death and Disablement. Disablement Benefits are payable according to Scale of Benefits.
Group Medical Plan for SME is designed to provide comprehensive medical coverage for the employees of SMEs and their family members. This plan is specially designed to cater for small and medium-sized companies with group size of 15 to 50 employees (fall under the Class 1 and Class 2 occupation), which do not have an existing Group Hospitalization and Surgical Insurance Scheme.
- 120 days waiting period for Specific Illnesses, 30 days waiting period for Medical Illnesses and 12 months waiting period for Pre-existing Illnesses is applicable
- Claimant is not subject to 20% co-payment on hospital bill if he / she chooses to stay at a higher Room & Board
- Coverage for Second Surgical Opinion and Funeral Expenses
- High age of coverage, up to 65 years old (next birthday); child covered from 15 days of birth to 23 years (next birthday)
- Flexibility of opting for Cashless or Reimbursement option
- Convenient usage of Medical Card (for Cashless option) with more than 70 panel hospitals in Malaysia
- 24-hour toll free admission assistance
- Room and Board (including Intensive Care Unit), Hospital
Miscellaneous Services, Surgical, Anesthetic and Operating Theater Fees
- In-hospital Physician's Fees, Pre-Surgical/Medical Diagnostic
Services and Specialist Consultant, Post Hospitalization Treatment,
Out-Patient Accidental Treatment, Emergency Dental Treatment, Ambulance
Services, Daycare Procedure and Claim Medical Report Fees.
- Group Outpatient Rider covers GP & Specialist Consultation, Medication, Injection, Diagnostic Lab Test/X-ray procedures, Outpatient Surgical Procedures at clinics
Simple Administration - backed up a specially developed IT system to ensure that your administration is kept simple as possible.
The Hospitalisation and Surgical Scheme for Foreign Workers / Skim Perlindungan Insurans Kesihatan Pekerja Asing (SPIKPA) is a mandatory medical coverage for all foreign workers, effective 1 January 2011. Enforced by the Ministry of Health, all foreign workers are required to take up this compulsory scheme with a premium of RM120 and a total coverage of RM10,000.
This scheme is compulsory for:
- foreign plantation workers (only in Sabah) – premium to be paid by the employers.
- foreign workers in other sectors – premium can either be paid by the employers or the workers. In the event that the employer decides to pay in advance on behalf of the employers, permission from Director General, Labor Department Peninsular Malaysia is required for salary deduction purpose.
This scheme is optional for domestic foreign maids and foreign plantation workers (in other states). However, it is highly encouraged for them to take up this scheme to enjoy the medical benefits.
Schedule of Benefits
| ITEMS | BENEFITS | AMOUNT (RM) |
| 1(a) | Daily Hospital Room & Board (Maximum up to 30 days) |
As charged – in accordance to charges
consistent with third (3rd) Class Room & Board to a maximum of RM60 per day,
in a Non-Corporatised Malaysian
Government Hospital in conformance
to the changes specified
under Akta Fi 1951,
Perintah Fi (Perubatan) 1982 |
| 1(b) | Intensive Care Unit (Maximum up to 15 days) | |
| 2 | Hospital Supplies and Services | |
| 3 | Operating Theatre | |
| 4 | Surgical fees (Excluding organ transplantation) | |
| 5 | Anaesthetist Fees | |
| 6 | In-Hospital Physician Visits (Maximum up to 30 days) | |
| 7 | In-Hospital Specialist Consultation Visits (Maximum up to 30 days) | |
| 8 | Ambulance Fees/Medical Report Fees | |
|
Maximum Overall Annual Limit (item 1-8) |
RM10,000 | |
|
Premium Per Person |
RM120 | |
All benefits payable for any number of disabilities in any one given period of Insurance is subject to the Overall Annual Limit of RM10,000 per Insured Person.
Just because you will no longer be receiving company paid private medical insurance, it doesn't mean you have to lose the comprehensive coverage you've enjoyed with AXA Affin General Insurance.
You'll be glad to hear that you can continue your cover with one of our personal policies. And, the good news is it's really straightforward.
Group Leaver Medical Card Plan
It couldn't be simpler
Transferring
your policy from a corporate plan to a personal plan is easy. There is
no need to worry about filling out complicated forms or having a medical
examination.
And, most importantly, we will allow you to keep the same personal medical underwriting terms if you join within fourteen (14) days of leaving your corporate plan and transfer to a comparable plan.
This means you can claim now or in the future for eligible treatment of existing medical conditions that have not been previously excluded from cover. This is something you will be unlikely to receive from another insurer.
Your new personal cover starts on the day your company policy
ends. As with all policies, your entitlement to benefits under your
personal plan will be subject to the terms and conditions of the product
you choose and may differ from those under your corporate plan.
Plans to fit your needs
We
know that when it comes to healthcare everyone's needs are different -
which is why we offer a range of plans to make sure you get the level of
cover you need. You can now transfer to our wide range of products
- SmartCare Optimum and SmartCare Executive plans.
Please refer to our product brochures for details on benefit levels of each of these plans.
Act now to continue taking care of yourself
Remember,
your option to continue on the same personal medical underwriting terms
only lasts for a limited time period after you leave your corporate
plan.
So call our account servicer now to continue the protection you and your family have previously enjoyed. Once you are a member, our health service team will be there to support you if you ever need to make a claim. Plus they can answer any policy benefit or membership queries you may have.
Transferring your policy from a corporate plan to a personal plan is simple and easy. Just simply choose any of the following Products and there is no need to worry about filling out complicated forms or having a medical examination.
For more details of each product, please click here for:
(i) SmartCare Optimum
Basic Benefits:
• Group Term Life (GTL)
• Group Hospitalisation & Surgical (H&S)
Optional Rider Benefits:
• Accidental Death and Dismemberment Rider (ADD)
• Additional Critical Illness Rider (ACI)
• Out-patient Clinical Rider (OPC)
Group Employees Benefits Program
Group Employee Benefits Program is designed to help employers to meet their employees’ insurance needs at a affordable cost. There are various choices of coverage to meet their employees' insurance needs. Employers can provide the coverage for their employees or we can offer to individual employee via monthly salary deductions.
Group insurance can benefit employers in:
- Outsourcing the tedious claims procedures.
- Predict employees healthcare cost.
- Improve efficiency from satisfied and healthier workforce.
- Motivate employees by providing better welfare.
International Exclusive, the cover you can trust
Whether you live within Asia or are travelling abroad you’ll want to feel sure that, should anything happen to you or your family by way of an illness or injury, you’ll have access to the best possible medical care.
While abroad, you might find that the standards of healthcare that we take for granted aren’t always available elsewhere. Private facilities are often prohibitively expensive. Local hospitals may be unable to undertake the treatment you need or to arrange transportation to the nearest available healthcare facility in an emergency.
The reassurance of access to private healthcare for you and your family has become more important. International Exclusive (IE) is an international health insurance that provides a range of options to suit your particular needs. The entry age is up to 80.
In-patient cover
Hospital charges incurred during an in-patient hospital stay are covered giving you peace of mind throughout your hospital treatment. This includes charges for accommodation and cash benefit if you receive free treatment within your area of cover.
Additionally, if your child is covered on your policy and is
under 18, your plan will cover accommodation expenses for you to stay
with them in hospital.
Out-patient cover
All of our plans offer full out-patient benefits including cover for general practitioner and specialist consultations, prescribed drugs and dressings and necessary diagnostic tests, and vaccinations up to the limits shown.
International Exclusive Plus also includes health screening, pregnancy and delivery benefits, routine dental care and routine optical care for you.
Wherever you are in the world
Depending on where in the world you reside, travel to or wish to receive treatment there are three geographical areas of cover designed to suit your needs, including Asia, Worldwide excluding USA, and Worldwide.
Whichever area of cover is selected, you can receive medical
treatment not only in your country of residence, but also in any other
country within the chosen area of cover.
Additional benefits
By choosing International Exclusive or International Exclusive Plus, you will also have access to the following benefits:
- 24-hour claims enquiry
We recognize that some of our customers need to be able to contact us at any time of the day for information on their benefits or to discuss a claim. This is especially true for customers who are traveling, or reside outside of Asia where different time zones would otherwise present challenges. With AXA staff based in Asia, the United Kingdom and the United States, you are able to contact us wherever you are and at whatever time is convenient for you.
- Pre-existing and chronic conditions covered
Our plans provide you with some cover for pre-existing conditions after nine months of consecutive membership. After two years of consecutive cover our plans provide you with even higher coverage. To be sure of these benefits please ensure you declare your existing conditions on the application form. Non pre-existing chronic conditions are covered in full under all our plans.
- Comprehensive pregnancy and delivery benefit
After 12 months of consecutive membership our InternationalExclusive Plus includes a pregnancy and delivery benefit. Unexpected medical complications that occur during the pregnancy are covered under all our plans after 12 months of consecutive membership.
- Get your hospital bills paid directly
We can settle in-patient bills directly with numerous hospitals worldwide which are listed in our international directory of hospitals. However, if you’re looking to have treatment at a hospital where we don’t have such an arrangement, let us know prior to treatment commencing. We may still be able to make arrangements to settle bills directly with the hospital. You then don’t need to worry about having to make a pre-payment on admission to the hospital.
- International Emergency Medical Assistance
As a core benefit of all our plans, our overseas evacuation and repatriation service is available wherever you are in the world, 24 hours a day, 365 days a year.This means that in the case of an emergency and if, in the opinion of an appointed doctor, you can’t get the prompt in-patient treatment you need locally, we will arrange to move you to the nearest appropriate facility where it is available. Whether that’s to another country, your principal country of residence or your home country, it’s just a phone call away. So, if you need emergency treatment, wherever you are in the world, we will assist you to get the treatment you need. And in the unfortunate event of a member dying, we will also arrange and pay for the cost of bringing their body back to a port or airport in their principal country of residence or their home country. This is in addition to the 24-hour claim enquiry.
- Please refer to the premium table for details of charges.
- Full details of the policy cover, per-authorization, definitions and exclusions are contained in your personal handbook and membership agreement.
- Please note that in the Benefits Table, we define Worldwide excluding USA is as Worldwide excluding USA and US Minor Outlying Islands.
- Please note that in the Benefits Table, we define Asia as:
Afghanistan Bangladesh Bhutan Brunei
Cambodia China Hong Kong India
Indonesia Japan Kazakhstan Kyrgyzstan
Laos Macau Malaysia Maldives
Myanmar Mongolia Nepal North Korea
Pakistan Philippines Singapore South Korea
Sri Lanka Taiwan Tajikistan Thailand
Timor-Leste Turkmenistan Uzbekistan Vietnam
1. Benefits Table (International Exclusive Plus - IE Plus)
| BENEFITS | |||
| Please note: Benefit values are per person each year unless otherwise specified and are reduced each time you claim only by the net amount (less any deductible, excess or co-insurance) we have actually paid | |||
| AREA OF COVER | ASIA | WORLDWIDE EXCLUDING USA |
WORLDWIDE |
| Yearly maximum up to |
RM9,000,000 |
||
| Outside area of cover | Emergency treatment only |
Emergency treatment only |
All areas covered |
| Level of reimbursement |
Reasonable and customary (R&C) charges |
||
| IN-PATIENT AND DAYCARE TREATMENT (including surgery, consultations, consumables etc.) | |||
| Daily accomodation charges |
Included (lowest cost available single en-suite room) |
||
| Parent accomodation up to |
RM500 per night |
||
| Cash benefit |
RM700 per night |
||
| In-patient direct billing |
Included |
||
|
Applicable in-patient
direct billing network |
International directory of hospitals |
||
| Level of cover |
100% of reasonable and customary (R&C) charges in the international directory of hospitals |
||
| OUT-PATIENT TREATMENT (including diagnostics, prescribed drugs, dressings etc.) | |||
| General Practitioner and Specialist consultation charges |
Included |
||
| Courses of chiropractic treatment, acupuncture, homeopathy and osteopathy up to |
RM3,600 |
||
| Traditional Chinese Medicine up to |
RM180 per visit
Up to 20 visits per year |
||
| Courses of physiotherapy |
Included |
||
| OTHER BENEFITS | |||
| Health screen up to |
RM3,000 Available only after 12 months membership |
||
| Pre-existing conditions up to |
Years 1 & 2: RM7,000
Available only after 9 months membership
Subsequent years: RM14,000 |
||
| Maintenance of non-pre-existing chronic conditions |
Included |
||
| Oral and maxillofacial surgery |
Included |
||
| Ambulance transport |
Included |
||
| International Emergency Medical Assistance |
Included |
||
| Psychiatric treatment up to |
RM24,000 |
||
| Accidental damage to teeth |
Included |
||
| Pre and post-natal complications |
Included - available after 12 months membership |
||
| Pregnancy and delivery up to |
RM43,000 Available only after 12 months membership |
||
| Vaccination up to |
RM4,800 |
||
| Routine dental care up to |
80% of eligible expenses incurred up to RM3,800 |
||
| Routine optical care up to |
RM900 |
||
| Hospice and palliative care up to |
RM120,000 in a member's lifetime
Available only after 12 months membership |
||
2. Benefits Table (International Exclusive - IE)
| BENEFITS | |||
| Please note: Benefit values are per person each year unless otherwise specified and are reduced each time you claim only by the net amount (less any deductible, excess or co-insurance) we have actually paid | |||
| AREA OF COVER | ASIA | WORLDWIDE EXCLUDING USA |
WORLDWIDE |
| Yearly maximum up to |
RM7,000,000 |
||
| Outside area of cover | Emergency treatment only |
Emergency treatment only |
All areas covered |
| Level of reimbursement |
Reasonable and customary (R&C) charges |
||
| IN-PATIENT AND DAYCARE TREATMENT (including surgery, consultations, consumables etc.) | |||
| Daily accomodation charges |
Included (lowest cost available single en-suite room) |
||
| Parent accomodation up to |
RM500 per night |
||
| Cash benefit |
RM500 per night |
||
| In-patient direct billing |
Included |
||
|
Applicable in-patient
direct billing network |
International directory of hospitals |
||
| Level of cover |
100% of reasonable and customary (R&C) charges in the international directory of hospitals |
||
| OUT-PATIENT TREATMENT (including diagnostics, prescribed drugs, dressings etc.) | |||
| General Practitioner and Specialist consultation charges |
Included |
||
| Courses of chiropractic treatment, acupuncture, homeopathy and osteopathy up to |
RM3,600 |
||
| Traditional Chinese Medicine up to |
RM180 per visit
Up to 20 visits per year |
||
| Courses of physiotherapy |
Included |
||
| OTHER BENEFITS | |||
| Health screen up to |
No benefit |
||
| Pre-existing conditions up to |
Years 1 & 2: RM7,000
Available only after 9 months membership
Subsequent years: RM14,000 |
||
| Maintenance of non-pre-existing chronic conditions |
Included |
||
| Oral and maxillofacial surgery |
Included |
||
| Ambulance transport |
Included |
||
| International Emergency Medical Assistance |
Included |
||
| Psychiatric treatment up to |
RM14,000 |
||
| Accidental damage to teeth |
Included |
||
| Pre and post-natal complications |
Included - available after 12 months membership |
||
| Pregnancy and delivery up to |
No benefit |
||
| Vaccination up to |
RM3,800 |
||
| Routine dental care up to |
No benefit |
||
| Routine optical care up to |
No benefit |
||
| Hospice and palliative care up to |
RM95,000 in a member's lifetime
Available only after 12 months membership |
||
Money Back Guarantee
You'll have 15 days to review your policy. If you are not satisfied, simply return the policy to us for a full premium refund.
Make the smart choice. Enrol with International Exclusive (IE) today!
Any enquiry, please contact ACPG careline : +603-92863323+603-92863323 or email to enquiry@acpgconsultant.com.
Group Personal Accident Plan / Employees Protection Plan
Benefits:
- Accidental death and disablement
- Accidental medical reimbursement
- Weekly indemnity
- Emergency medical evacuation and repatriation
- Bereavement benefit
- Others
Group Employees Medical Plan
Benefits:
- Daily room and board / ICU charges
- Surgical benefits
- Doctor/Specialist consultation fees
- Emergency outpatient treatment
- Ambulance fees
- Others
No one can deny that life is unpredictable. But you can prepare for it by taking away the ‘what if’ and Group Personal Accident Insurance Malaysia yourself – the necessary addition to complete your life.
• Accidental Death and Permanent Disablement
• Cashless admission and discharge from all participating hospitals (for all accidents)
• Renewal bonus
• Double indemnity cover
• Dental correction and/ or corrective cosmetic surgery
• Personal liability cover at one and a half times the Principal Sum Insured
• Medical expenses due to accidental causes but extended to include Dengue, Malaria or Japanese Encephalitis
• Bereavement allowance for death due to Dengue, Malaria, Japanese Encephalitis or Chikungunya
• Hospital income benefit
• Weekly benefits
• Sinseh or traditional treatment
• Reimbursement for prostheses/wheelchair
• Kidnap cover
• Permanent impotency or infertility
• Blood transfusion
• Ambulance fee
• Funeral expenses
• Repatriation expenses
• Snatch theft
• Miscarriage due to motor vehicle accident
• Compassionate care
• Motorcycling
• Murder and assault (unprovoked)
• Accidental Drowning or Near Drowning
• Suffocation through Smoke, Fumes or Poisonous Gas
• Poisonous Food and drink
• Accident consequent upon intoxication of alcohol
• Intoxication by drugs (drugs must be prescribed by a qualified Medical Practitioner)
• Amateur sports (except martial arts and boxing)
• Winter sports
• Coma
• Water sports including yachting and water skiing
• Scuba diving (up to 50 metres deep)
• Hunting
• Mountaineering (not involving the use of ropes)
• Polo playing
• Bungee jumping
• Natural disasters including La Nina, El Nino, floods and earthquakes
• Strike, riot and civil commotion
• Insect, snake and animal bites
• Hijacking
• Disappearance
• Exposure to natural elements
• Terrorism extension
Group Personal Accident insurance is an annually renewable Personal Accident Policy.
This policy covers you as an employer in respect of your statutory liability under the Workmen’s Compensation Law(s) as well as at Common Law to your employees who are generally not covered by SOCSO.
This policy indemnifies you against all sums for which you shall be liable to pay compensation to any employee for personal injury sustained by accidents or occupational diseases arising out of and in the course of his employment under:
The Workmen’s Compensation Act 1952 and the subsequent amendments to the Act or
The Common Law. The standard Common Law limit is RM1,000,000 any one accident and in the aggregate
Your Experience, Trusted and The Largest Malaysia Insurance Solution Service Provider
+603-9286 3323. 
