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 1,000,000annual limit	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 1,500,000annual limit	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 1,800,000annual limit	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 2,000,000annual limit	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

Plan 1 RM 1,000,000 annual limit

LIFETIME: Unlimited
ROOM & BOARD: RM 150
DEDUCTIBLE: —
CO-INS.: n/a%
CO-PAY: Deductible options RM500, RM20,000 or RM40,000 per policy year (items 19, 20, 26, 27, 28 not subject to deductible); no coinsurance
ICU: Yes
DAY SURG.: Yes
RENEWABLE: Yes
ENTRY AGE: 17–70

Plan 2 RM 1,500,000 annual limit

LIFETIME: Unlimited
ROOM & BOARD: RM 200
DEDUCTIBLE: —
CO-INS.: n/a%
CO-PAY: Deductible options RM500, RM20,000 or RM40,000 per policy year (items 19, 20, 26, 27, 28 not subject to deductible); no coinsurance
ICU: Yes
DAY SURG.: Yes
RENEWABLE: Yes
ENTRY AGE: 17–70

Plan 3 RM 1,800,000 annual limit

LIFETIME: Unlimited
ROOM & BOARD: RM 300
DEDUCTIBLE: —
CO-INS.: n/a%
CO-PAY: Deductible options RM500, RM20,000 or RM40,000 per policy year (items 19, 20, 26, 27, 28 not subject to deductible); no coinsurance
ICU: Yes
DAY SURG.: Yes
RENEWABLE: Yes
ENTRY AGE: 17–70

Plan 4 RM 2,000,000 annual limit

LIFETIME: Unlimited
ROOM & BOARD: RM 400
DEDUCTIBLE: —
CO-INS.: n/a%
CO-PAY: Deductible options RM500, RM20,000 or RM40,000 per policy year (items 19, 20, 26, 27, 28 not subject to deductible); no coinsurance
ICU: Yes
DAY SURG.: Yes
RENEWABLE: Yes
ENTRY AGE: 17–70

● WAITING PERIODS

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.

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