MEDICAL CARD / MCIS Life
M-MEDESSENTIAL
MCIS 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 150 (Deductible RM0) | RM 150,000 | Unlimited | RM 150 | RM 0 | n/a% | Deductible RM0 per disability (applicable to items 3-17 and 21 of Schedule of Benefits); no coinsurance | Yes | Yes | Yes | 0–70 |
| Plan 150 (Deductible RM300) | RM 150,000 | Unlimited | RM 150 | RM 300 | n/a% | Deductible RM300 per disability (applicable to items 3-17 and 21 of Schedule of Benefits); no coinsurance | Yes | Yes | Yes | 0–70 |
| Plan 200 (Deductible RM0) | RM 200,000 | Unlimited | RM 200 | RM 0 | n/a% | Deductible RM0 per disability (applicable to items 3-17 and 21 of Schedule of Benefits); no coinsurance | Yes | Yes | Yes | 0–70 |
| Plan 200 (Deductible RM300) | RM 200,000 | Unlimited | RM 200 | RM 300 | n/a% | Deductible RM300 per disability (applicable to items 3-17 and 21 of Schedule of Benefits); 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-MedEssential PDS (unit deducting rider) + brochure Schedule of Benefits: 2 plans (150/200) x 2 deductible options (RM0 or RM300 per disability); OAL RM150,000/RM200,000; lifetime limit Unlimited; R&B RM150/RM200 per day up to 150 days/rider year; ICU up to 150 days; pre-hosp 90 days, post-hosp 90 days; outpatient cancer & kidney dialysis as charged; intraocular lens RM8,000/lifetime; home nursing RM3,750/RM5,000 per hospitalisation up to 180 days/lifetime; entry age 30 days to 70 ANB; coverage to age 100 next birthday or basic plan maturity, whichever earlier; IC (insurance charges) non-guaranteed; waiting 30 days (except accident), specified illnesses 120 days; cashless or pay-first-claim-later; units deducted from Account Value to pay IC
Premiums are quote-gated in Malaysia. Get an official quote from MCIS Life — we never publish invented premiums.