MEDICAL CARD / HLA
HLA MEDISHIELD III RIDER
Hong Leong Assurance Berhad · Medical rider on investment-linked policy · 1 tiers · verified 24 Aug 2026
Plan 200 RM 2,500,000 annual limit
- LIFETIME
- Unlimited
- ROOM & BOARD
- RM 200
- DEDUCTIBLE
- RM 2,500
- CO-INS.
- —
- CO-PAY
- Deductible RM2,500 pre-retirement / RM2,500 post-retirement (per PDS comparison table); benefits payable on pay-first-claim-later basis, cashless only upon issuance of Guarantee Letter
- ICU
- —
- DAY SURG.
- —
- RENEWABLE
- Yes
- ENTRY AGE
- 0–65
● WAITING PERIODS
- General: 30 days
- Specified (120-day): 120 days
- Pre-existing: n/a
● SOURCE
- Verified: 24 Aug 2026
- Source: official PDS / product page
- Official PDS (printed 06/11/2025, scanned; OCR-extracted) + official product page. PDS confirms: unit-deducting medical rider attached to investment-linked plans (units deducted from ILP account value into insurance risk fund), H&S coverage until age 80 subject to policy sustainability, R&B RM200/day, surgical as charged, annual limit RM2,500,000 inclusive of optional benefits, No Lifetime Limit, deductible RM2,500 pre-retirement / RM2,500 post-retirement, coverage starts 30 days from Issue Date except accidental injuries, specified illnesses 120 days, renewal guaranteed but premium rates not guaranteed, cashless only upon Guarantee Letter. Product page confirms: eligible age 13th week of gestation until birth, 30 days old - 65 years old; premium from RM1,300/year; coverage term up to 100 years old (base policy); 15% cashback on insurance charges when claim-free; 80% of unused R&B back; auto-increment R&B; Alternative Cancer Treatment Benefit up to RM5,000/year. COVERAGE GAP: PDS is a scanned sample (Code A8888888) with full benefit schedule only in Product Information Sheet via QR code; ICU/day surgery/outpatient/pre-post-hospitalisation figures not disclosed in PDS text. NOTE: HLA's standalone medical card alternative is HLA MedGlobal IV Plus; MediShield III is sold as an ILP rider.
Premiums are quote-gated in Malaysia. Get an official quote from HLA — we never publish invented premiums.