iHealth Benefits Table
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BENEFITS AT A GLANCE BASIC BENEFITS ( RM ) Plan 1 Plan 2 Plan 3 Plan 4 Plan 5 Plan 6 100 150 200 300 400 600 Refund of unutilized Hospital Room & Board amount 650,000 850,000 1,000,000 1,500,000 2,000,000 3,000,000 1,000 2,000 4,000 100 150 250 20% Co-insurance 10% Co-insurance 50 1. Hospital Room & Board (Max 150 days per disability each policy year) 2. Intensive Care Unit (Max 60 days per disability each policy year) 3. Hospital Supplies & Services 4. Surgical Fees (Post surgery care limited to 90 days after discharge) 5. Operating Theatre Fee 6. Anaesthetist Fee 7. In-Hospital Physician’s Visit (Max 2 visits per day) 8. Pre-hospitalisation Diagnostic Test (Max 30 days prior to hospitalisation) 9. Pre-hospitalisation Specialist Consultation (Max 30 days prior to hospitalisation) 10. Post-hospitalisation treatment (Max 90 days after discharge) 11. Ambulance Fees 12. Day Surgery Benefit 13. Government Service Tax 14. Emergency Accidental Out-patient Treatment (Max limit per accident, within 24 hours from accident) 15. Home Nursing Care (Max 150 days, per policy year) 16. Medical Report Fee (Per disability) 17. Out-patient Cancer Treatment 18. Out-patient Kidney Dialysis 19. Organ Transplant (Once per lifetime) 20. Government Hospital Daily Cash (Max 150 days, per disability) Lifetime Limit (LL) (Applicable to benefits 1 to 20) 21. Funeral Expense Benefit 22. Expert Medical Opinion (EMO) 23. International Emergency Assistance Service & Benefit 24. No Claim Bonus (NCB) Pre-Hospitalisation Diagnostic Test Pre-Hospitalisation Specialist Consultation Daily Guardian Benefit (Max 150 days, per disability) Accidental Death & Dismemberment (Once per lifetime) Total & Permanent Disability (Once per lifetime) Dread Disease (Once per lifetime) 30,000 40,000 60,000 100 150 250 50 100 200 N/A RM5,000 N/A Available As Charged (includes consultation, examinationtests and prescribed take-home drugs) No Annual Limit (If the total claims within a year exceeds 10% of the Lifetime Limit, a Co-insurance will be applied on the excess amount) As Charged As Charged Available to all plans 50,000 As Charged (Max 90 days prior to hospitalisation) As Charged (Max 90 days prior to hospitalisation) 10,000 3,000 10% Increase on R&B benefit for every 3 years cycle of no claims (Subject to maximum increase of 50%) Annual Limit (AL) (Applicable to benefits 1 to18) Booster (Optional) – adds the following benefits to your iHealth+ coverage LIMITS Without LIVE
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Transcript of iHealth Benefits Table
BENEFITS AT A GLANCE
BASIC BENEFITS (RM) Plan 1 Plan 2 Plan 3 Plan 4 Plan 5 Plan 6
100 150 200 300 400 600Refund of unutilized Hospital Room & Board amount
650,000 850,000 1,000,000 1,500,000 2,000,000 3,000,000
1,000 2,000 4,000
100 150 250
20% Co-insurance 10% Co-insurance
50
1. Hospital Room & Board (Max 150 days per disability each policy year)
2. Intensive Care Unit (Max 60 days per disability each policy year)
3. Hospital Supplies & Services
4. Surgical Fees (Post surgery care limited to 90 days after discharge)
5. Operating Theatre Fee
6. Anaesthetist Fee
7. In-Hospital Physician’s Visit (Max 2 visits per day)
8. Pre-hospitalisation Diagnostic Test (Max 30 days prior to hospitalisation)
9. Pre-hospitalisation Specialist Consultation (Max 30 days prior to hospitalisation)
10. Post-hospitalisation treatment (Max 90 days after discharge)
11. Ambulance Fees
12. Day Surgery Benefit
13. Government Service Tax
14. Emergency Accidental Out-patient Treatment (Max limit per accident, within 24 hours from accident)
15. Home Nursing Care (Max 150 days, per policy year)
16. Medical Report Fee (Per disability)
17. Out-patient Cancer Treatment
18. Out-patient Kidney Dialysis
19. Organ Transplant (Once per lifetime)
20. Government Hospital Daily Cash (Max 150 days, per disability)
Lifetime Limit (LL) (Applicable to benefits 1 to 20)
21. Funeral Expense Benefit
22. Expert Medical Opinion (EMO)
23. International Emergency Assistance Service & Benefit
24. No Claim Bonus (NCB)
Pre-Hospitalisation Diagnostic TestPre-Hospitalisation Specialist Consultation
Daily Guardian Benefit (Max 150 days, per disability)
Accidental Death & Dismemberment (Once per lifetime)
Total & Permanent Disability (Once per lifetime)
Dread Disease (Once per lifetime)
30,000 40,000 60,000
100 150 250
50 100 200
N/A RM5,000
N/A Available
As Charged(includes consultation, examinationtests and prescribed take-home drugs)
No Annual Limit (If the total claims within a year exceeds 10% of the Lifetime Limit,
a Co-insurance will be applied on the excess amount)
As Charged
As Charged
Available to all plans
50,000
As Charged (Max 90 days prior to hospitalisation)
As Charged (Max 90 days prior to hospitalisation)
10,0003,000
10% Increase on R&B benefit for every 3 years cycle of no claims(Subject to maximum increase of 50%)
Annual Limit (AL)(Applicable to benefits 1 to18)
Booster (Optional) – adds the following benefits to your iHealth+ coverage
LIMITSWithoutLIVE
RINGKASAN MANFAAT
MANFAAT ASAS (RM) Pelan 1 Pelan 2 Pelan 3 Pelan 4 Pelan 5 Pelan 6
100 150 200 300 400 600Jumlah Bayaran Balik Bilik & Penginapan yang tidak digunakan
650,000 850,000 1,000,000 1,500,000 2,000,000 3,000,000
1,000 2,000 4,000
100 150 250
20% Insurans Bersama 10% Insurans Bersama
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1. Bilik & Penginapan Hospital (Maks.150 hari bagi setiap hilang upaya pada setiap tahun polisi)
2. Unit Rawatan Rapi (Maks. 60 hari bagi setiap hilang upaya pada setiap tahun polisi)
3. Bekalan dan Perkhidmatan Hospital
4. Yuran Pembedahan (Rawatan selepas pembedahan adalah terhad kepada 90 hari selepas keluar dari hospital)
5. Yuran Bilik Pembedahan
6. Yuran Pakar Anestesia
7. Lawatan Doktor di Hospital (Maks. 2 kali lawatan setiap hari)
8. Ujian Diagnostik Pra Kemasukan Hospital (Maks. 30 hari sebelum kemasukan ke hospital)
9. Perunding Pakar Pra Kemasukan Hospital (Maks. 30 hari sebelum kemasukan ke hospital)
10. Rawatan Selepas Discaj Hospital (Maks. 90 hari selepas discaj)
11. Yuran Ambulans
12. Manfaat Pembedahan Harian
13. Cukai Perkhidmatan Kerajaan
14. Rawatan Kecemasan Kemalangan Pesakit Luar (Had maks. setiap kemalangan, dalam masa 24 jam dari masa kemalangan)
15. Rawatan Jagaan di Rumah (Maks150 hari setiap tahun Polisi)
16. Yuran Laporan Perubatan (Setiap hilang upaya)
17. Rawatan Kanser Pesakit Luar
18. Dialisis Buah Pinggang Pesakit Luar
19. Pemindahan Organ (Sekali seumur hidup)
20. Pendapatan Tunai Harian Hospital Kerajaan (Maks. 150 hari setiap hilang upaya)
Had Seumur Hidup (Terguna pakai pada Manfaat 1 hingga 20)
21. Manfaat Pengembumian / Kematian
22. Nasihat Perubatan Pakar (Expert Medical Opinion – EMO)
23. Perkhidmatan & Manfaat Bantuan Kecemasan Antarabangsa
24. Bonus Tanpa Tuntutan (NCB)
Ujian Diagnostik Sebelum Kemasukan ke HospitalRundingan Pakar Sebelum Kemasukan ke Hospital
Manfaat Penjaga Harian (Maks. 150 hari setiap hilang upaya)
Kematian & Pemotongan Disebabkan Kemalangan (Sekali seumur hidup)
Hilang Upaya Menyeluruh Kekal (Sekali seumur hidup)
Penyakit Kritikal (Sekali seumur hidup)
30,000 40,000 60,000
100 150 250
50 100 200
Tiada RM5,000
Tiada Terguna pakai
Seperti yang Dicaj(Termasuk rundingan, ujian pemeriksaan dan ubat untuk dibawa pulang yang dipreskripsi)
Tiada Had Tahunan (Jika jumlah keseluruhan tuntutan dalam setahun melebihi 10% daripada Had Seumur Hidup,
satu Insurans Bersama akan diguna pakai pada nilai lebihan tersebut)
Seperti yang Dicaj
Seperti yang Dicaj
Terguna pakai pada semua pelan
50,000
Seperti yang Dicaj (Maks. 90 hari sebelum Kemasukan ke Hospital)
Seperti yang Dicaj (Maks. 90 hari sebelum Kemasukan ke Hospital)
10,0003,000
Kenaikan 10% pada manfaat R&B untuk setiap kitaran 3 tahun tanpa tuntutan(Tertakluk kepada kenaikan maksimum 50%)
Had Tahunan(Terguna pakai pada manfaat 1 hingga 18)
Penggalak (Pilihan) – sebagai tambahan manfaat berikut kepada
LIMITSWithoutLIVE
利益表
基本利益 (RM) 计划 1 计划 2 计划 3 计划 4 计划 5 计划 6
100 150 200 300 400 600退还未用的住院与膳食款项
650,000 850,000 1,000,000 1,500,000 2,000,000 3,000,000
1,000 2,000 4,000
100 150 250
20% 共同保险 10% 共同保险
50
1. 住院与膳食 (每项残疾在一个保单年度内以150天为限)
2. 加护病房 (每项残疾在一个保单年度内以60天为限)
3. 医院杂项服务费
4. 手术费(手术后护理以出院后90天为限)
5. 手术室费用
6. 麻醉师费
7. 住院期间的医生诊疗费(只限每日两次到诊)
8. 入院前的诊断检验费(入院前30天内为限)
9. 入院前的专科医生咨询费 (入院前30天内为限)
10. 出院后治疗费(出院后90天为限)
11. 救护车费用
12. 无须留医外科手术费
13. 政府服务税
14. 紧急意外门诊治疗费(由意外发生后计起 24小时为限, 每宗意外最高限额）
15. 家庭护理费(每个保单年度以150为限)
16. 医药报告费(每项残疾)
17. 门诊癌症治疗费
18. 门诊洗肾费
19. 器官移植(一生一次为限)
20. 留住政府医院之每日现金津贴 (每项残疾以150天为限）
个人终身限额(适用于第1至20项利益)
21. 殡葬费利益
22. 医学专家意见
23. 国际紧急援助服务与利益
24. 无索赔奖励
住院前诊断检验费
住院前专科医生咨询费
每日看护费(每项残疾以150天为限)
意外死亡与肢解(一生一次为限)
终身全然残废(一生一次为限)
严重疾病(一生一次为限)
30,000 40,000 60,000
100 150 250
50 100 200
无 RM5,000
无 所有计划均享有此项利益
按照收费
按照收费
按照收费，包括咨询、检验和带回家的处方药物
无年度限额(若总索金额在一个保单年度内超出个人终身限额的10%，共同保险正如在利益附表内将被应用于剩余的索金额)
所有计划均享有此项利益
50,000
按照收费(入院前的90天内为限)
按照收费(入院前的90天内为限)
10,000
3,000
连续三年无索赔，住院与膳食利益即增加至10%,若连续三年无任何索赔。(最高增加至50%)
个人每年限额(适用于第1至18项利益)
增强利益(选项)–另添加下列利益
LIMITSWithoutLIVE
ÀÄý¸û ÌÈ¢ò¾ ÍÕì¸õ
ÀÄý¸û ÌÈ¢ò¾ ÍÕì¸õ (RM) ¾¢ð¼õ 1 ¾¢ð¼õ 2 ¾¢ð¼õ 3 ¾¢ð¼õ 4 ¾¢ð¼õ 5 ¾¢ð¼õ 6 100 150 200 300 400 600
¯À§Â¡¸¢ò¾ «¨È ÁüÚõ ¾íÌõ ź¾¢ò ¦¾¡¨¸¨Âò ¾¢ÕõÀò ¾Õ¾ø
650,000 850,000 1,000,000 1,500,000 2,000,000 3,000,000
1,000 2,000 4,000
100 150 250
20% ¯¼ý-¸¡ôÀ£Î 10% ¯¼ý-¸¡ôÀ£Î
50
1. ÁÕòÐÅÁ¨É «¨È ÁüÚõ ¾íÌõź¾¢ (´ù¦Å¡Õ ¸¡ôÒÚ¾¢ ¬ñÊÖõ ´Õ ¦ºÂÄ¢ÆôÀ¢üÌ «¾¢¸ÀðºÁ¡¸ 150 ¿¡ð¸û)
2. ¾£Å¢Ã º¢¸¢î¨ºô À¢Ã¢× (´ù¦Å¡Õ ¸¡ôÒÚ¾¢ ¬ñÊÖõ ´Õ ¦ºÂÄ¢ÆôÀ¢üÌ «¾¢¸ÀðºÁ¡¸ 60 ¿¡ð¸û)
3. ÁÕòÐÅÁ¨Éô ¦À¡Õð¸û & §º¨Å¸û
4. «Ú¨Åî º¢¸¢î¨ºì ¸ð¼½í¸û («Ú¨Åî º¢¸¢î¨ºìÌô À¢ó¨¾Â ¸ÅÉ¢ôÒ, ÁÕòÐÅÁ¨É¢ĢÕóРŢÎÅ¢ì¸ôÀð¼ À¢ÈÌ 90 ¿¡ð¸û ±É ÅÃõÀ¢¼ôÀθ¢ÈÐ)
5. «Ú¨Å «ÃíÌì ¸ð¼½õ
6. ÁÂì¸ ÁÕóÐ ¿¢Ò½÷ ¸ð¼½õ
7. ÁÕòÐÅÁ¨É¢ø ÁÕòÐÅ÷ ÅÕ¨¸ (´Õ ¿¡ÙìÌ «¾¢̧ ÀðºÁ¡¸ 2 ÅÕ¨¸¸û)
8. ÁÕòÐÅÁ¨É¢ø §º÷žüÌ Óý ¦ºö¸¢È §¿¡ö ¸ñ¼È¢Ôõ À⧺¡¾¨É (ÁÕòÐÅÁ¨É¢ø §º÷žüÌ Óý «¾¢¸ÀðºÁ¡¸ 30 ¿¡ð¸û)
9. ÁÕòÐÅÁ¨É¢ø §º÷žüÌ Óý, º¢ÈôÒ ¿¢Ò½Ã¢¼õ ¦ÀÚõ ¬§Ä¡º¨É (ÁÕòÐÅÁ¨É¢ø §º÷žüÌ Óý «¾¢¸ÀðºÁ¡¸ 30 ¿¡ð¸û)
10. ÁÕòÐÅÁ¨É¢ÕóРŢÎÅ¢ì¸ôÀð¼À¢ý ¦ÀÚõ º¢¸¢î¨º (ÁÕòÐÅÁ¨É¢ĢÕóРŢÎÅ¢ì¸ôÀð¼ À¢ÈÌ 90 ¿¡ð¸û)
11. «ÅºÃ °÷¾¢ì ¸ð¼½õ
12. À¸ø§Å¨Ç «Ú¨Åî º¢¸¢î¨ºô ÀÄý
13. «ÃÍ §º¨Å Åâ
14. «ÅºÃ Å¢ÀòÐ ¦ÅÇ¢§¿¡Â¡Ç¢î º¢¸¢î¨º (´Õ Å¢Àò¾¢üÌ «¾¢¸Àðº ÅÃõÒ, Å¢ÀòÐ ²üÀ𼾢ĢÕóÐ 24 Á½¢ §¿Ãí¸ÙìÌû)
15. Å£ðÎî ¦ºÅ¢Ä¢Âì ̧ ÅÉ¢ôÒ (´Õ ̧ ¡ôÒÚ¾¢ ¬ñÊüÌ, «¾¢¸ÀðºÁ¡¸ 150 ¿¡ð¸û)
16. ÁÕòÐÅ «È¢ì¨¸ì ¸ð¼½õ (´Õ ¦ºÂÄ¢ÆôÀ¢üÌ)
17. ¦ÅÇ¢§¿¡Â¡Ç¢ô ÒüÚ§¿¡ö º¢¸¢î¨º
18. ¦ÅÇ¢§¿¡Â¡Ç¢ º¢Ú¿£Ã¸ þÃò¾ Íò¾¢¸Ã¢ôÒ
19. ̄ ÚôÒ Á¡üÚ º¢¸¢î¨º (¬Ôð¸¡Äò¾¢üÌ ´ÕÓ¨È)
20. «Ãº¡í¸ ÁÕòÐÅÁ¨É «Û¾¢É ¦Ã¡ì¸ò¦¾¡¨¸ (´Õ ¦ºÂÄ¢ÆôÀ¢üÌ «¾¢¸ÀðºÁ¡¸ 150 ¿¡ð¸û)
21. þÚ¾¢îº¼íÌ ¦ºÄ×ô ÀÄý
22. ÁÕòÐÅ ÅøÖ¿÷ «À¢ôÀ¢Ã¡Âõ (EMO)
23. º÷ŧ¾º «ÅºÃ¸¡Ä ¯¾Å¢î §º¨Å & ÀÄý¸û
24. §¸¡Ã¢ì¨¸ ¨Å측¾¾ü¸¡É °ì¸ò¦¾¡¨¸ (±ýº¢À¢)
ÁÕòÐÅÁ¨É¢ø §º÷žüÌ Óý ¦ºö¸¢È §¿¡ö ¸ñ¼È¢Ôõ À⧺¡¾¨É
ÁÕòÐÅÁ¨É¢ø §ºÕõ Óý ¦ÀÚõ ¿¢Ò½÷ ¬§Ä¡º¨É
¾¢Éô À¡Ð¸¡ÅÄ÷ ÀÄý (´Õ ¦ºÂÄ¢ÆôÀ¢üÌ, «¾¢¸ÀðºÁ¡¸ 150 ¿¡ð¸û)
Å¢Àò¾¢É¡ø ²üÀÎõ Áýõ & ¯¼ø ̄ ÚôÒ þÆôÒ (¬Ô𠸡Äò¾¢ø ´Õ Ó¨È)
¦Á¡ò¾ ¿¢Ãó¾Ã ÁüÚõ ¦ºÂÄ¢ÆôÒ (¬Ô𠸡Äò¾¢ø ´Õ Ó¨È)
¦¸¡Ê §¿¡ö (¬Ô𠸡Äò¾¢ø ´Õ Ó¨È)
30,000 40,000 60,000
100 150 250
50 100 200
¦À¡Õó¾¡Ð RM5,000 ¦À¡Õó¾¡Ð «¨ÉòÐò ¾¢ð¼í¸ÙìÌõ ¸¢¨¼ì¸¢ÈÐ
¸ð¼½õ Å¢¾¢ì¸¢ÈÀÊÁÕòÐÅ ¬§Ä¡º¨É, ¬ö×ô À⧺¡¾¨É¸û ÁüÚõ Å£ðÊüÌ ±ÎòÐî ¦ºøÖõ
ÀâóШÃò¾ ÁÕóиû ¬¸¢Â¨Å «¼í̸¢ýÈÉ
ÅÕ¼ ÅÃõÒ ²ÐÁ¢ø¨Ä ´Õ ÅÕ¼ò¾¢üÌû ¨Åì¸¢È ¦Á¡ò¾ì §¸¡Ã¢ì¨¸¸û, ¬Ôð¸¡Ä ÅÃõÀ¢ý 10% «ÇÅ¢üÌ Á¢ï͸¢È Àðºò¾¢ø, «ó¾ «¾¢¸ôÀÊÂ¡É ¦¾¡¨¸ìÌ ´Õ ¯¼ý-¸¡ôÀ£Î Å¢¾¢ì¸ôÀÎõ
¸ð¼½õ Å¢¾¢ì¸¢ÈÀÊ
¸ð¼½õ Å¢¾¢ì¸¢ÈÀÊ
«¨ÉòÐò ¾¢ð¼í¸ÙìÌõ ¸¢¨¼ì¸¢ÈÐ
50,000
¸ð¼½õ Å¢¾¢ì¸¢ÈÀÊ (ÁÕòÐÅÁ¨É¢ø §º÷žüÌ Óý «¾¢¸ÀðºÁ¡¸ 90 ¿¡ð¸û ŨÃ)
¸ð¼½õ Å¢¾¢ì¸¢ÈÀÊ (ÁÕòÐÅÁ¨É¢ø §º÷žüÌ Óý «¾¢¸ÀðºÁ¡¸ 90 ¿¡ð¸û ŨÃ)
10,000
3,000
§¸¡Ã¢ì¨¸ ¨Å측¾ ´ù¦Å¡Õ 3 ¬ñÎ ÍÆüº¢ìÌõ, «¨È ÁüÚõ ¾íÌõ ź¾¢ô ÀÄ É¢ø 10% «¾¢¸Ã¢ôÒ («¾¢¸ÀðºÁ¡É 50% «¾¢¸Ã¢ôÀ¢üÌ ¯ðÀðÎ)
ÅÕ¼ ÅÃõÒ¢(1 Ó¾ø 18 ŨÃÂ¢Ä¡É ÀÄý¸ÙìÌô ¦À¡ÕóÐõ)
⊼÷ (Å¢ÕôÀõ º¡÷ó¾Ð) – ¸£ú측ñÀ¨ÅìÌô À¢ýÅÕõ ÀÄý¸¨Çî §º÷츢ÈÐ:
¬Ôð¸¡Ä ÅÃõÒ(1 Ó¾ø 20 ŨÃÂ¢Ä¡É ÀÄý¸ÙìÌô ¦À¡ÕóÐõ)
LIMITSWithoutLIVE
