MEDICAL CARD / Tokio Marine Life

IMEDIGUARD

Tokio Marine Life Insurance Malaysia Bhd. · Medical rider on investment-linked policy · 20 tiers · verified 24 Aug 2026

Tier	Annual limit	Lifetime	Room & board	Deductible	Co-ins.	Co-pay	ICU	Day surg.	Renewable	Entry age
Plan 150A (Saver 500)	RM 500,000annual limit	Unlimited	RM 150	RM 500	n/a%	Deductible RM500 per policy year; not applicable to emergency treatment, Malaysian government hospital treatment, outpatient care and additional care benefits	Yes	Yes	Yes	0–70
Plan 150A (Co-Saver 10%)	RM 500,000annual limit	Unlimited	RM 150	n/a	10%	Co-insurance 10% of eligible claims per policy year, subject to minimum RM500 and maximum RM3,000; not applicable to emergency treatment, Malaysian government hospital treatment, outpatient care and additional care benefits	Yes	Yes	Yes	0–70
Plan 150B (Saver 500)	RM 1,000,000annual limit	Unlimited	RM 150	RM 500	n/a%	Deductible RM500 per policy year; not applicable to emergency treatment, Malaysian government hospital treatment, outpatient care and additional care benefits	Yes	Yes	Yes	0–70
Plan 150B (Co-Saver 10%)	RM 1,000,000annual limit	Unlimited	RM 150	n/a	10%	Co-insurance 10% of eligible claims per policy year, subject to minimum RM500 and maximum RM3,000; not applicable to emergency treatment, Malaysian government hospital treatment, outpatient care and additional care benefits	Yes	Yes	Yes	0–70
Plan 150B (SaverPro 2,500)	RM 1,500,000annual limit	Unlimited	RM 150	RM 2,500	n/a%	Deductible RM2,500 per policy year; not applicable to emergency treatment, Malaysian government hospital treatment, outpatient care and additional care benefits	Yes	Yes	Yes	0–70
Plan 150B (SaverPro 5,000)	RM 1,500,000annual limit	Unlimited	RM 150	RM 5,000	n/a%	Deductible RM5,000 per policy year; not applicable to emergency treatment, Malaysian government hospital treatment, outpatient care and additional care benefits	Yes	Yes	Yes	0–70
Plan 200 (Saver 500)	RM 1,500,000annual limit	Unlimited	RM 200	RM 500	n/a%	Deductible RM500 per policy year; not applicable to emergency treatment, Malaysian government hospital treatment, outpatient care and additional care benefits	Yes	Yes	Yes	0–70
Plan 200 (Co-Saver 10%)	RM 1,500,000annual limit	Unlimited	RM 200	n/a	10%	Co-insurance 10% of eligible claims per policy year, subject to minimum RM500 and maximum RM3,000; not applicable to emergency treatment, Malaysian government hospital treatment, outpatient care and additional care benefits	Yes	Yes	Yes	0–70
Plan 200 (SaverPro 2,500)	RM 2,000,000annual limit	Unlimited	RM 200	RM 2,500	n/a%	Deductible RM2,500 per policy year; not applicable to emergency treatment, Malaysian government hospital treatment, outpatient care and additional care benefits	Yes	Yes	Yes	0–70
Plan 200 (SaverPro 5,000)	RM 2,000,000annual limit	Unlimited	RM 200	RM 5,000	n/a%	Deductible RM5,000 per policy year; not applicable to emergency treatment, Malaysian government hospital treatment, outpatient care and additional care benefits	Yes	Yes	Yes	0–70
Plan 200 (SaverPro 20,000)	RM 2,000,000annual limit	Unlimited	RM 200	RM 20,000	n/a%	Deductible RM20,000 per policy year; co-payment applies to emergency treatment; not applicable to Malaysian government hospital treatment, outpatient care and additional care benefits; one-time conversion to a lower deductible option at attained age 55 (effective at age 60)	Yes	Yes	Yes	0–70
Plan 200 (SaverPro 20,000 with Retirement)	RM 2,000,000annual limit	Unlimited	RM 200	RM 20,000	n/a%	Deductible RM20,000 per policy year; co-payment applies to emergency treatment; not applicable to Malaysian government hospital treatment, outpatient care and additional care benefits; auto-converts to SaverPro 2,500 (RM2,500 deductible) at attained age 60	Yes	Yes	Yes	0–55
Plan 300 (Saver 500)	RM 2,000,000annual limit	Unlimited	RM 300	RM 500	n/a%	Deductible RM500 per policy year; not applicable to emergency treatment, Malaysian government hospital treatment, outpatient care and additional care benefits	Yes	Yes	Yes	0–70
Plan 300 (Co-Saver 10%)	RM 2,000,000annual limit	Unlimited	RM 300	n/a	10%	Co-insurance 10% of eligible claims per policy year, subject to minimum RM500 and maximum RM3,000; not applicable to emergency treatment, Malaysian government hospital treatment, outpatient care and additional care benefits	Yes	Yes	Yes	0–70
Plan 300 (SaverPro 2,500)	RM 2,500,000annual limit	Unlimited	RM 300	RM 2,500	n/a%	Deductible RM2,500 per policy year; not applicable to emergency treatment, Malaysian government hospital treatment, outpatient care and additional care benefits	Yes	Yes	Yes	0–70
Plan 300 (SaverPro 5,000)	RM 2,500,000annual limit	Unlimited	RM 300	RM 5,000	n/a%	Deductible RM5,000 per policy year; not applicable to emergency treatment, Malaysian government hospital treatment, outpatient care and additional care benefits	Yes	Yes	Yes	0–70
Plan 300 (SaverPro 20,000)	RM 2,500,000annual limit	Unlimited	RM 300	RM 20,000	n/a%	Deductible RM20,000 per policy year; co-payment applies to emergency treatment; not applicable to Malaysian government hospital treatment, outpatient care and additional care benefits; one-time conversion to a lower deductible option at attained age 55 (effective at age 60)	Yes	Yes	Yes	0–70
Plan 300 (SaverPro 20,000 with Retirement)	RM 2,500,000annual limit	Unlimited	RM 300	RM 20,000	n/a%	Deductible RM20,000 per policy year; co-payment applies to emergency treatment; not applicable to Malaysian government hospital treatment, outpatient care and additional care benefits; auto-converts to SaverPro 2,500 (RM2,500 deductible) at attained age 60	Yes	Yes	Yes	0–55
Plan 500 (Saver 500)	RM 3,000,000annual limit	Unlimited	RM 500	RM 500	n/a%	Deductible RM500 per policy year; not applicable to emergency treatment, Malaysian government hospital treatment, outpatient care and additional care benefits	Yes	Yes	Yes	0–70
Plan 500 (Co-Saver 10%)	RM 3,000,000annual limit	Unlimited	RM 500	n/a	10%	Co-insurance 10% of eligible claims per policy year, subject to minimum RM500 and maximum RM3,000; not applicable to emergency treatment, Malaysian government hospital treatment, outpatient care and additional care benefits	Yes	Yes	Yes	0–70

Plan 150A (Saver 500) RM 500,000 annual limit

LIFETIME: Unlimited
ROOM & BOARD: RM 150
DEDUCTIBLE: RM 500
CO-INS.: n/a%
CO-PAY: Deductible RM500 per policy year; not applicable to emergency treatment, Malaysian government hospital treatment, outpatient care and additional care benefits
ICU: Yes
DAY SURG.: Yes
RENEWABLE: Yes
ENTRY AGE: 0–70

Plan 150A (Co-Saver 10%) RM 500,000 annual limit

LIFETIME: Unlimited
ROOM & BOARD: RM 150
DEDUCTIBLE: n/a
CO-INS.: 10%
CO-PAY: Co-insurance 10% of eligible claims per policy year, subject to minimum RM500 and maximum RM3,000; not applicable to emergency treatment, Malaysian government hospital treatment, outpatient care and additional care benefits
ICU: Yes
DAY SURG.: Yes
RENEWABLE: Yes
ENTRY AGE: 0–70

Plan 150B (Saver 500) RM 1,000,000 annual limit

LIFETIME: Unlimited
ROOM & BOARD: RM 150
DEDUCTIBLE: RM 500
CO-INS.: n/a%
CO-PAY: Deductible RM500 per policy year; not applicable to emergency treatment, Malaysian government hospital treatment, outpatient care and additional care benefits
ICU: Yes
DAY SURG.: Yes
RENEWABLE: Yes
ENTRY AGE: 0–70

Plan 150B (Co-Saver 10%) RM 1,000,000 annual limit

LIFETIME: Unlimited
ROOM & BOARD: RM 150
DEDUCTIBLE: n/a
CO-INS.: 10%
CO-PAY: Co-insurance 10% of eligible claims per policy year, subject to minimum RM500 and maximum RM3,000; not applicable to emergency treatment, Malaysian government hospital treatment, outpatient care and additional care benefits
ICU: Yes
DAY SURG.: Yes
RENEWABLE: Yes
ENTRY AGE: 0–70

Plan 150B (SaverPro 2,500) RM 1,500,000 annual limit

LIFETIME: Unlimited
ROOM & BOARD: RM 150
DEDUCTIBLE: RM 2,500
CO-INS.: n/a%
CO-PAY: Deductible RM2,500 per policy year; not applicable to emergency treatment, Malaysian government hospital treatment, outpatient care and additional care benefits
ICU: Yes
DAY SURG.: Yes
RENEWABLE: Yes
ENTRY AGE: 0–70

Plan 150B (SaverPro 5,000) RM 1,500,000 annual limit

LIFETIME: Unlimited
ROOM & BOARD: RM 150
DEDUCTIBLE: RM 5,000
CO-INS.: n/a%
CO-PAY: Deductible RM5,000 per policy year; not applicable to emergency treatment, Malaysian government hospital treatment, outpatient care and additional care benefits
ICU: Yes
DAY SURG.: Yes
RENEWABLE: Yes
ENTRY AGE: 0–70

Plan 200 (Saver 500) RM 1,500,000 annual limit

LIFETIME: Unlimited
ROOM & BOARD: RM 200
DEDUCTIBLE: RM 500
CO-INS.: n/a%
CO-PAY: Deductible RM500 per policy year; not applicable to emergency treatment, Malaysian government hospital treatment, outpatient care and additional care benefits
ICU: Yes
DAY SURG.: Yes
RENEWABLE: Yes
ENTRY AGE: 0–70

Plan 200 (Co-Saver 10%) RM 1,500,000 annual limit

LIFETIME: Unlimited
ROOM & BOARD: RM 200
DEDUCTIBLE: n/a
CO-INS.: 10%
CO-PAY: Co-insurance 10% of eligible claims per policy year, subject to minimum RM500 and maximum RM3,000; not applicable to emergency treatment, Malaysian government hospital treatment, outpatient care and additional care benefits
ICU: Yes
DAY SURG.: Yes
RENEWABLE: Yes
ENTRY AGE: 0–70

Plan 200 (SaverPro 2,500) RM 2,000,000 annual limit

LIFETIME: Unlimited
ROOM & BOARD: RM 200
DEDUCTIBLE: RM 2,500
CO-INS.: n/a%
CO-PAY: Deductible RM2,500 per policy year; not applicable to emergency treatment, Malaysian government hospital treatment, outpatient care and additional care benefits
ICU: Yes
DAY SURG.: Yes
RENEWABLE: Yes
ENTRY AGE: 0–70

Plan 200 (SaverPro 5,000) RM 2,000,000 annual limit

LIFETIME: Unlimited
ROOM & BOARD: RM 200
DEDUCTIBLE: RM 5,000
CO-INS.: n/a%
CO-PAY: Deductible RM5,000 per policy year; not applicable to emergency treatment, Malaysian government hospital treatment, outpatient care and additional care benefits
ICU: Yes
DAY SURG.: Yes
RENEWABLE: Yes
ENTRY AGE: 0–70

Plan 200 (SaverPro 20,000) RM 2,000,000 annual limit

LIFETIME: Unlimited
ROOM & BOARD: RM 200
DEDUCTIBLE: RM 20,000
CO-INS.: n/a%
CO-PAY: Deductible RM20,000 per policy year; co-payment applies to emergency treatment; not applicable to Malaysian government hospital treatment, outpatient care and additional care benefits; one-time conversion to a lower deductible option at attained age 55 (effective at age 60)
ICU: Yes
DAY SURG.: Yes
RENEWABLE: Yes
ENTRY AGE: 0–70

Plan 200 (SaverPro 20,000 with Retirement) RM 2,000,000 annual limit

LIFETIME: Unlimited
ROOM & BOARD: RM 200
DEDUCTIBLE: RM 20,000
CO-INS.: n/a%
CO-PAY: Deductible RM20,000 per policy year; co-payment applies to emergency treatment; not applicable to Malaysian government hospital treatment, outpatient care and additional care benefits; auto-converts to SaverPro 2,500 (RM2,500 deductible) at attained age 60
ICU: Yes
DAY SURG.: Yes
RENEWABLE: Yes
ENTRY AGE: 0–55

Plan 300 (Saver 500) RM 2,000,000 annual limit

LIFETIME: Unlimited
ROOM & BOARD: RM 300
DEDUCTIBLE: RM 500
CO-INS.: n/a%
CO-PAY: Deductible RM500 per policy year; not applicable to emergency treatment, Malaysian government hospital treatment, outpatient care and additional care benefits
ICU: Yes
DAY SURG.: Yes
RENEWABLE: Yes
ENTRY AGE: 0–70

Plan 300 (Co-Saver 10%) RM 2,000,000 annual limit

LIFETIME: Unlimited
ROOM & BOARD: RM 300
DEDUCTIBLE: n/a
CO-INS.: 10%
CO-PAY: Co-insurance 10% of eligible claims per policy year, subject to minimum RM500 and maximum RM3,000; not applicable to emergency treatment, Malaysian government hospital treatment, outpatient care and additional care benefits
ICU: Yes
DAY SURG.: Yes
RENEWABLE: Yes
ENTRY AGE: 0–70

Plan 300 (SaverPro 2,500) RM 2,500,000 annual limit

LIFETIME: Unlimited
ROOM & BOARD: RM 300
DEDUCTIBLE: RM 2,500
CO-INS.: n/a%
CO-PAY: Deductible RM2,500 per policy year; not applicable to emergency treatment, Malaysian government hospital treatment, outpatient care and additional care benefits
ICU: Yes
DAY SURG.: Yes
RENEWABLE: Yes
ENTRY AGE: 0–70

Plan 300 (SaverPro 5,000) RM 2,500,000 annual limit

LIFETIME: Unlimited
ROOM & BOARD: RM 300
DEDUCTIBLE: RM 5,000
CO-INS.: n/a%
CO-PAY: Deductible RM5,000 per policy year; not applicable to emergency treatment, Malaysian government hospital treatment, outpatient care and additional care benefits
ICU: Yes
DAY SURG.: Yes
RENEWABLE: Yes
ENTRY AGE: 0–70

Plan 300 (SaverPro 20,000) RM 2,500,000 annual limit

LIFETIME: Unlimited
ROOM & BOARD: RM 300
DEDUCTIBLE: RM 20,000
CO-INS.: n/a%
CO-PAY: Deductible RM20,000 per policy year; co-payment applies to emergency treatment; not applicable to Malaysian government hospital treatment, outpatient care and additional care benefits; one-time conversion to a lower deductible option at attained age 55 (effective at age 60)
ICU: Yes
DAY SURG.: Yes
RENEWABLE: Yes
ENTRY AGE: 0–70

Plan 300 (SaverPro 20,000 with Retirement) RM 2,500,000 annual limit

LIFETIME: Unlimited
ROOM & BOARD: RM 300
DEDUCTIBLE: RM 20,000
CO-INS.: n/a%
CO-PAY: Deductible RM20,000 per policy year; co-payment applies to emergency treatment; not applicable to Malaysian government hospital treatment, outpatient care and additional care benefits; auto-converts to SaverPro 2,500 (RM2,500 deductible) at attained age 60
ICU: Yes
DAY SURG.: Yes
RENEWABLE: Yes
ENTRY AGE: 0–55

Plan 500 (Saver 500) RM 3,000,000 annual limit

LIFETIME: Unlimited
ROOM & BOARD: RM 500
DEDUCTIBLE: RM 500
CO-INS.: n/a%
CO-PAY: Deductible RM500 per policy year; not applicable to emergency treatment, Malaysian government hospital treatment, outpatient care and additional care benefits
ICU: Yes
DAY SURG.: Yes
RENEWABLE: Yes
ENTRY AGE: 0–70

Plan 500 (Co-Saver 10%) RM 3,000,000 annual limit

LIFETIME: Unlimited
ROOM & BOARD: RM 500
DEDUCTIBLE: n/a
CO-INS.: 10%
CO-PAY: Co-insurance 10% of eligible claims per policy year, subject to minimum RM500 and maximum RM3,000; not applicable to emergency treatment, Malaysian government hospital treatment, outpatient care and additional care benefits
ICU: Yes
DAY SURG.: Yes
RENEWABLE: Yes
ENTRY AGE: 0–70

● WAITING PERIODS

General: 30 days
Specified (120-day): 120 days
Pre-existing: n/a

● SOURCE

Verified: 24 Aug 2026
Source: official PDS / product page
iMediGuard PDS (imediguard_pds_en.txt) + brochure (imediguard_brochure.txt) + Schedule of Benefits (imediguard_sob_en.txt): 5 plans (150A/150B/200/300/500) x co-payment options (Saver 500, Co-Saver 10%, SaverPro 2,500/5,000/20,000/20,000 with Retirement); Saver Series OAL RM500,000-RM3,000,000; SaverPro Series OAL RM1,500,000-RM2,500,000 (plans 150B/200/300 only; SaverPro 20,000 not on 150B); lifetime limit No Lifetime Limit; R&B RM150-RM500/day (Saver max 180 days, SaverPro max 365 days per disability per policy year); pre-hosp 90 days, post-hosp 180 days; outpatient cancer & kidney dialysis as charged; entry age 14 days to 70 next birthday (55 for SaverPro 20,000 with Retirement); renewal guaranteed, premium rates not guaranteed; waiting 30 days (except accident), specified illnesses 120 days, new born reward 9 months; pay first claim later, cashless upon Guarantee Letter; units deducted monthly from fund value for insurance charges

Premiums are quote-gated in Malaysia. Get an official quote from Tokio Marine Life — we never publish invented premiums.

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