MEDICAL CARD / MCIS Life
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 1,000,000 | 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 1,000,000 | 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 1,200,000 | 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 1,200,000 | 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 1,500,000 | 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 1,500,000 | 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 1,800,000 | 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 1,800,000 | 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 2,000,000 | 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 2,000,000 | 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 |
● 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 Life — we never publish invented premiums.