MEDICAL CARD / Etiqa
IL ULTIMATE HEALTH
Etiqa Life Insurance Berhad · Medical rider on investment-linked policy · 4 tiers · verified 24 Aug 2026
| Tier | Annual limit | Lifetime | Room & board | Deductible | Co-ins. | Co-pay | ICU | Day surg. | Renewable | Entry age |
|---|---|---|---|---|---|---|---|---|---|---|
| Plan 1 | RM 1,000,000 | Unlimited | RM 150 | — | n/a% | Deductible options RM500, RM20,000 or RM40,000 per policy year (items 19, 20, 26, 27, 28 not subject to deductible); no coinsurance | Yes | Yes | Yes | 17–70 |
| Plan 2 | RM 1,500,000 | Unlimited | RM 200 | — | n/a% | Deductible options RM500, RM20,000 or RM40,000 per policy year (items 19, 20, 26, 27, 28 not subject to deductible); no coinsurance | Yes | Yes | Yes | 17–70 |
| Plan 3 | RM 1,800,000 | Unlimited | RM 300 | — | n/a% | Deductible options RM500, RM20,000 or RM40,000 per policy year (items 19, 20, 26, 27, 28 not subject to deductible); no coinsurance | Yes | Yes | Yes | 17–70 |
| Plan 4 | RM 2,000,000 | Unlimited | RM 400 | — | n/a% | Deductible options RM500, RM20,000 or RM40,000 per policy year (items 19, 20, 26, 27, 28 not subject to deductible); no coinsurance | Yes | Yes | Yes | 17–70 |
● WAITING PERIODS
- General: 30 days
- Specified (120-day): 120 days
- Pre-existing: n/a
● SOURCE
- Verified: 24 Aug 2026
- Source: official PDS / product page
- PDS (EV, Etiqa Life Insurance Berhad) + official e-flyer Table of Benefits: Plan 1 RM1,000,000/R&B RM150, Plan 2 RM1,500,000/R&B RM200, Plan 3 RM1,800,000/R&B RM300, Plan 4 RM2,000,000/R&B RM400; overall lifetime limit No Limit; deductible options RM500, RM20,000 or RM40,000 per policy year; pre-hosp 90 days, post-hosp 90 days; PDS Step 1: covers hospitalisation & surgical expenses until age 100 (product options table shows plan-dependent coverage term 70/80/90/100); 'Renewal is guaranteed but premium rates are not guaranteed'; coverage starts 30 days after issue except accidents; specified illnesses first 120 days; unit-deducting rider attachable to SecurePro regular-premium ILP; agent/Life Planner channel. Flyer: https://www.etiqa.com.my/pdfs/en/insurance/Flyer-UltimateHealth-(EV).pdf
Premiums are quote-gated in Malaysia. Get an official quote from Etiqa — we never publish invented premiums.