M-HEALTH SECURE

MCIS Insurance Berhad · Standalone medical card · 10 tiers · verified 24 Aug 2026

Tier	Annual limit	Lifetime	Room & board	Deductible	Co-ins.	Co-pay	ICU	Day surg.	Renewable	Entry age
Plan 150 (Deductible RM500)	RM 1,000,000annual limit	Unlimited	RM 150	RM 500	n/a%	Deductible RM500 per policy year (applicable to items 4-19, 21, 24, 25 of Schedule of Benefits); waived for treatment at Malaysian Government Hospital or Emergency Treatment; no coinsurance	Yes	Yes	Yes	0–70
Plan 150 (Deductible RM5,000)	RM 1,000,000annual limit	Unlimited	RM 150	RM 5,000	n/a%	Deductible RM5,000 per policy year (applicable to items 4-19, 21, 24, 25 of Schedule of Benefits); waived for treatment at Malaysian Government Hospital or Emergency Treatment; no coinsurance	Yes	Yes	Yes	0–70
Plan 200 (Deductible RM500)	RM 1,200,000annual limit	Unlimited	RM 200	RM 500	n/a%	Deductible RM500 per policy year (applicable to items 4-19, 21, 24, 25 of Schedule of Benefits); waived for treatment at Malaysian Government Hospital or Emergency Treatment; no coinsurance	Yes	Yes	Yes	0–70
Plan 200 (Deductible RM5,000)	RM 1,200,000annual limit	Unlimited	RM 200	RM 5,000	n/a%	Deductible RM5,000 per policy year (applicable to items 4-19, 21, 24, 25 of Schedule of Benefits); waived for treatment at Malaysian Government Hospital or Emergency Treatment; no coinsurance	Yes	Yes	Yes	0–70
Plan 300 (Deductible RM500)	RM 1,500,000annual limit	Unlimited	RM 300	RM 500	n/a%	Deductible RM500 per policy year (applicable to items 4-19, 21, 24, 25 of Schedule of Benefits); waived for treatment at Malaysian Government Hospital or Emergency Treatment; no coinsurance	Yes	Yes	Yes	0–70
Plan 300 (Deductible RM5,000)	RM 1,500,000annual limit	Unlimited	RM 300	RM 5,000	n/a%	Deductible RM5,000 per policy year (applicable to items 4-19, 21, 24, 25 of Schedule of Benefits); waived for treatment at Malaysian Government Hospital or Emergency Treatment; no coinsurance	Yes	Yes	Yes	0–70
Plan 400 (Deductible RM500)	RM 1,800,000annual limit	Unlimited	RM 400	RM 500	n/a%	Deductible RM500 per policy year (applicable to items 4-19, 21, 24, 25 of Schedule of Benefits); waived for treatment at Malaysian Government Hospital or Emergency Treatment; no coinsurance	Yes	Yes	Yes	0–70
Plan 400 (Deductible RM5,000)	RM 1,800,000annual limit	Unlimited	RM 400	RM 5,000	n/a%	Deductible RM5,000 per policy year (applicable to items 4-19, 21, 24, 25 of Schedule of Benefits); waived for treatment at Malaysian Government Hospital or Emergency Treatment; no coinsurance	Yes	Yes	Yes	0–70
Plan 500 (Deductible RM500)	RM 2,000,000annual limit	Unlimited	RM 500	RM 500	n/a%	Deductible RM500 per policy year (applicable to items 4-19, 21, 24, 25 of Schedule of Benefits); waived for treatment at Malaysian Government Hospital or Emergency Treatment; no coinsurance	Yes	Yes	Yes	0–70
Plan 500 (Deductible RM5,000)	RM 2,000,000annual limit	Unlimited	RM 500	RM 5,000	n/a%	Deductible RM5,000 per policy year (applicable to items 4-19, 21, 24, 25 of Schedule of Benefits); waived for treatment at Malaysian Government Hospital or Emergency Treatment; no coinsurance	Yes	Yes	Yes	0–70

Plan 150 (Deductible RM500) 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 (applicable to items 4-19, 21, 24, 25 of Schedule of Benefits); waived for treatment at Malaysian Government Hospital or Emergency Treatment; no coinsurance
ICU: Yes
DAY SURG.: Yes
RENEWABLE: Yes
ENTRY AGE: 0–70

Plan 150 (Deductible RM5,000) RM 1,000,000 annual limit

LIFETIME: Unlimited
ROOM & BOARD: RM 150
DEDUCTIBLE: RM 5,000
CO-INS.: n/a%
CO-PAY: Deductible RM5,000 per policy year (applicable to items 4-19, 21, 24, 25 of Schedule of Benefits); waived for treatment at Malaysian Government Hospital or Emergency Treatment; no coinsurance
ICU: Yes
DAY SURG.: Yes
RENEWABLE: Yes
ENTRY AGE: 0–70

Plan 200 (Deductible RM500) RM 1,200,000 annual limit

LIFETIME: Unlimited
ROOM & BOARD: RM 200
DEDUCTIBLE: RM 500
CO-INS.: n/a%
CO-PAY: Deductible RM500 per policy year (applicable to items 4-19, 21, 24, 25 of Schedule of Benefits); waived for treatment at Malaysian Government Hospital or Emergency Treatment; no coinsurance
ICU: Yes
DAY SURG.: Yes
RENEWABLE: Yes
ENTRY AGE: 0–70

Plan 200 (Deductible RM5,000) RM 1,200,000 annual limit

LIFETIME: Unlimited
ROOM & BOARD: RM 200
DEDUCTIBLE: RM 5,000
CO-INS.: n/a%
CO-PAY: Deductible RM5,000 per policy year (applicable to items 4-19, 21, 24, 25 of Schedule of Benefits); waived for treatment at Malaysian Government Hospital or Emergency Treatment; no coinsurance
ICU: Yes
DAY SURG.: Yes
RENEWABLE: Yes
ENTRY AGE: 0–70

Plan 300 (Deductible RM500) RM 1,500,000 annual limit

LIFETIME: Unlimited
ROOM & BOARD: RM 300
DEDUCTIBLE: RM 500
CO-INS.: n/a%
CO-PAY: Deductible RM500 per policy year (applicable to items 4-19, 21, 24, 25 of Schedule of Benefits); waived for treatment at Malaysian Government Hospital or Emergency Treatment; no coinsurance
ICU: Yes
DAY SURG.: Yes
RENEWABLE: Yes
ENTRY AGE: 0–70

Plan 300 (Deductible RM5,000) RM 1,500,000 annual limit

LIFETIME: Unlimited
ROOM & BOARD: RM 300
DEDUCTIBLE: RM 5,000
CO-INS.: n/a%
CO-PAY: Deductible RM5,000 per policy year (applicable to items 4-19, 21, 24, 25 of Schedule of Benefits); waived for treatment at Malaysian Government Hospital or Emergency Treatment; no coinsurance
ICU: Yes
DAY SURG.: Yes
RENEWABLE: Yes
ENTRY AGE: 0–70

Plan 400 (Deductible RM500) RM 1,800,000 annual limit

LIFETIME: Unlimited
ROOM & BOARD: RM 400
DEDUCTIBLE: RM 500
CO-INS.: n/a%
CO-PAY: Deductible RM500 per policy year (applicable to items 4-19, 21, 24, 25 of Schedule of Benefits); waived for treatment at Malaysian Government Hospital or Emergency Treatment; no coinsurance
ICU: Yes
DAY SURG.: Yes
RENEWABLE: Yes
ENTRY AGE: 0–70

Plan 400 (Deductible RM5,000) RM 1,800,000 annual limit

LIFETIME: Unlimited
ROOM & BOARD: RM 400
DEDUCTIBLE: RM 5,000
CO-INS.: n/a%
CO-PAY: Deductible RM5,000 per policy year (applicable to items 4-19, 21, 24, 25 of Schedule of Benefits); waived for treatment at Malaysian Government Hospital or Emergency Treatment; no coinsurance
ICU: Yes
DAY SURG.: Yes
RENEWABLE: Yes
ENTRY AGE: 0–70

Plan 500 (Deductible RM500) RM 2,000,000 annual limit

LIFETIME: Unlimited
ROOM & BOARD: RM 500
DEDUCTIBLE: RM 500
CO-INS.: n/a%
CO-PAY: Deductible RM500 per policy year (applicable to items 4-19, 21, 24, 25 of Schedule of Benefits); waived for treatment at Malaysian Government Hospital or Emergency Treatment; no coinsurance
ICU: Yes
DAY SURG.: Yes
RENEWABLE: Yes
ENTRY AGE: 0–70

Plan 500 (Deductible RM5,000) RM 2,000,000 annual limit

LIFETIME: Unlimited
ROOM & BOARD: RM 500
DEDUCTIBLE: RM 5,000
CO-INS.: n/a%
CO-PAY: Deductible RM5,000 per policy year (applicable to items 4-19, 21, 24, 25 of Schedule of Benefits); waived for treatment at Malaysian Government Hospital or Emergency Treatment; no coinsurance
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
Official M-Health Secure product page + PDS + brochure (Schedule of Benefits): 5 plans (150/200/300/400/500) x 2 deductible options (RM500 or RM5,000 per policy year); OAL RM1,000,000-RM2,000,000; lifetime limit Unlimited; R&B RM150-RM500/day up to 150 days/policy year; ICU up to 150 days; pre-hosp 90 days, post-hosp 150 days; outpatient cancer & kidney dialysis as charged; entry age 30 days to 70 ANB; coverage to age 100 next birthday; renewal guaranteed, premium rates not guaranteed; waiting 30 days (except accident), specified illnesses 120 days; cashless or pay-first-claim-later; deductible waived for govt hospital or emergency treatment; PDS product options table compares plans (premiums not published in dataset)

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

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