MEDICAL CARD / MCIS
M-MEDPRO
MCIS Insurance Berhad · Medical rider on investment-linked policy · 6 tiers · verified 24 Aug 2026
Plan 300 (Deductible RM0) RM 1,000,000 annual limit
- LIFETIME
- Unlimited
- ROOM & BOARD
- RM 300
- DEDUCTIBLE
- RM 0
- CO-INS.
- n/a%
- CO-PAY
- Deductible RM0 per disability (applicable to items 3-17 and 23-25 of Schedule of Benefits); no coinsurance
- ICU
- Yes
- DAY SURG.
- Yes
- RENEWABLE
- Yes
- ENTRY AGE
- 0–70
Plan 300 (Deductible RM300) RM 1,000,000 annual limit
- LIFETIME
- Unlimited
- ROOM & BOARD
- RM 300
- DEDUCTIBLE
- RM 300
- CO-INS.
- n/a%
- CO-PAY
- Deductible RM300 per disability (applicable to items 3-17 and 23-25 of Schedule of Benefits); no coinsurance
- ICU
- Yes
- DAY SURG.
- Yes
- RENEWABLE
- Yes
- ENTRY AGE
- 0–70
Plan 400 (Deductible RM0) RM 1,500,000 annual limit
- LIFETIME
- Unlimited
- ROOM & BOARD
- RM 400
- DEDUCTIBLE
- RM 0
- CO-INS.
- n/a%
- CO-PAY
- Deductible RM0 per disability (applicable to items 3-17 and 23-25 of Schedule of Benefits); no coinsurance
- ICU
- Yes
- DAY SURG.
- Yes
- RENEWABLE
- Yes
- ENTRY AGE
- 0–70
Plan 400 (Deductible RM300) RM 1,500,000 annual limit
- LIFETIME
- Unlimited
- ROOM & BOARD
- RM 400
- DEDUCTIBLE
- RM 300
- CO-INS.
- n/a%
- CO-PAY
- Deductible RM300 per disability (applicable to items 3-17 and 23-25 of Schedule of Benefits); no coinsurance
- ICU
- Yes
- DAY SURG.
- Yes
- RENEWABLE
- Yes
- ENTRY AGE
- 0–70
Plan 500 (Deductible RM0) RM 2,000,000 annual limit
- LIFETIME
- Unlimited
- ROOM & BOARD
- RM 500
- DEDUCTIBLE
- RM 0
- CO-INS.
- n/a%
- CO-PAY
- Deductible RM0 per disability (applicable to items 3-17 and 23-25 of Schedule of Benefits); no coinsurance
- ICU
- Yes
- DAY SURG.
- Yes
- RENEWABLE
- Yes
- ENTRY AGE
- 0–70
Plan 500 (Deductible RM300) RM 2,000,000 annual limit
- LIFETIME
- Unlimited
- ROOM & BOARD
- RM 500
- DEDUCTIBLE
- RM 300
- CO-INS.
- n/a%
- CO-PAY
- Deductible RM300 per disability (applicable to items 3-17 and 23-25 of Schedule of Benefits); 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-MedPro PDS (unit deducting rider) + brochure Schedule of Benefits: 3 plans (300/400/500) x 2 deductible options (RM0 or RM300 per disability); OAL RM1,000,000/RM1,500,000/RM2,000,000; lifetime limit Unlimited; R&B RM300/RM400/RM500 per day with NO limit on number of days per rider year; ICU up to 200 days; pre-hosp 90 days, post-hosp 150 days; outpatient cancer & kidney dialysis as charged; medical appliances RM15,000-RM25,000/lifetime; genomics test for cancer RM15,000-RM25,000/lifetime; home nursing RM15,000-RM25,000 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.