HLA MediShield III

HLA MediShield III is suitable for people who is looking for full medical coverage with stable price for the whole life. It comes with high annual limit, unlimited lifetime limit, optional deductible and no coinsurance.

Eligibility

Malaysian, Permanent Resident of Malaysia and Foreigner with valid working permit

# of Panel Hospitals

127

Maximum age of entry

30 days

Maximum age of renewal

99 age

Guaranteed Renewal

The insurance company must offer to renew your policy as long as you continue to pay premiums.

Co-insurance

Co-insurance is the percentage amount paid out of pocket by you before and insurance provider will pay any expenses. If the medical bill is RM100,000, coinsurance is 10%, you have to pay the first 10%, that is RM10,000 out of the total medical bill and the insurance provider will pay RM90,000.

Deductible

Deductible is the fixed amount paid out of pocket by you before an insurance provider will pay any expenses. If the medical bill is RM100,000, deductible is RM1000, you have to pay the first RM1000 out of the total medical bill and the insurance provider will pay RM99,000.

Calculation Table

Price shown depends on Insured’s age at their next birthday.

Age:

Male Female

Benefits	MSIII 200	MSIII 300	MSIII 500

Annual Premium	/y	/y	/y
Room & Board	200	300	500
Increase to the Hospital R&B Limit
Overall Annual Limit	RM1,000,000	RM1,500,000	RM2,000,000
Lifetime Limit	No Limit	No Limit	No Limit
Coinsurance
Deductible per Disability	Optional None, RM2,500, RM5,000, RM20,000, RM75,000	Optional None, RM2,500, RM5,000, RM20,000, RM75,000	Optional None, RM2,500, RM5,000, RM20,000, RM75,000
Pre-Hospitalisation	90 days	90 days	90 days
Hospitalisation	150 days	150 days	150 days
Post-Hospitalisation	90 days	90 days	90 days
Second Medical Opinion
Intraocular Lens	RM6,000	RM6,000	RM6,000
Accidental Outpatient Treatment Benefits
Outpatient Physiotherapy Treatment
Outpatient MRI/PET scan
Outpatient Dengue & Zika	RM2,000	RM3,000	RM5,000
Outpatient Cancer Treatment
Outpatient Kidney Dialysis Treatment
Outpatient Stroke Treatment
Traditional Chinese Medicine & Chiropractic Treatment	RM200/visit, Max RM12,000	RM200/visit, Max RM12,000	RM200/visit, Max RM12,000
Medical Report Fees Reimbursement
Genomic Test for Cancer
No Claim Discount
Non Medical Related Expenses
Critical Illness Coverage Rider	Optional	Optional	Optional
Waiver Rider	Optional	Optional	Optional
Government Daily Allowance
Daily Cash due to Road Accident on Highway	RM200	RM300	RM500