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 150,000annual limit	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 150,000annual limit	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 200,000annual limit	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 200,000annual limit	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

Plan 150 (Deductible RM0) RM 150,000 annual limit

LIFETIME: Unlimited
ROOM & BOARD: RM 150
DEDUCTIBLE: RM 0
CO-INS.: n/a%
CO-PAY: Deductible RM0 per disability (applicable to items 3-17 and 21 of Schedule of Benefits); no coinsurance
ICU: Yes
DAY SURG.: Yes
RENEWABLE: Yes
ENTRY AGE: 0–70

Plan 150 (Deductible RM300) RM 150,000 annual limit

LIFETIME: Unlimited
ROOM & BOARD: RM 150
DEDUCTIBLE: RM 300
CO-INS.: n/a%
CO-PAY: Deductible RM300 per disability (applicable to items 3-17 and 21 of Schedule of Benefits); no coinsurance
ICU: Yes
DAY SURG.: Yes
RENEWABLE: Yes
ENTRY AGE: 0–70

Plan 200 (Deductible RM0) RM 200,000 annual limit

LIFETIME: Unlimited
ROOM & BOARD: RM 200
DEDUCTIBLE: RM 0
CO-INS.: n/a%
CO-PAY: Deductible RM0 per disability (applicable to items 3-17 and 21 of Schedule of Benefits); no coinsurance
ICU: Yes
DAY SURG.: Yes
RENEWABLE: Yes
ENTRY AGE: 0–70

Plan 200 (Deductible RM300) RM 200,000 annual limit

LIFETIME: Unlimited
ROOM & BOARD: RM 200
DEDUCTIBLE: RM 300
CO-INS.: n/a%
CO-PAY: Deductible RM300 per disability (applicable to items 3-17 and 21 of Schedule of Benefits); no coinsurance
ICU: Yes
DAY SURG.: Yes
RENEWABLE: Yes
ENTRY AGE: 0–70

● WAITING PERIODS

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 — we never publish invented premiums.

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