MEDICAL CARD / Tokio Marine Life

TOKIOMARINE-MEDSECURE

Tokio Marine Life Insurance Malaysia Bhd. · Standalone medical card · 4 tiers · verified 24 Aug 2026

Tier	Annual limit	Lifetime	Room & board	Deductible	Co-ins.	Co-pay	ICU	Day surg.	Renewable	Entry age
Plan 100 (Deductible RM2,500)	RM 100,000annual limit	RM 1,000,000	RM 100	RM 2,500	n/a%	Deductible RM2,500 per policy year (applicable to benefits 1-11); no coinsurance	Yes	Yes	Yes	0–98
Plan 100 (Deductible RM5,000)	RM 100,000annual limit	RM 1,000,000	RM 100	RM 5,000	n/a%	Deductible RM5,000 per policy year (applicable to benefits 1-11); no coinsurance	Yes	Yes	Yes	0–98
Plan 150 (Deductible RM2,500)	RM 500,000annual limit	RM 5,000,000	RM 150	RM 2,500	n/a%	Deductible RM2,500 per policy year (applicable to benefits 1-11); no coinsurance	Yes	Yes	Yes	0–98
Plan 150 (Deductible RM5,000)	RM 500,000annual limit	RM 5,000,000	RM 150	RM 5,000	n/a%	Deductible RM5,000 per policy year (applicable to benefits 1-11); no coinsurance	Yes	Yes	Yes	0–98

Plan 100 (Deductible RM2,500) RM 100,000 annual limit

LIFETIME: RM 1,000,000
ROOM & BOARD: RM 100
DEDUCTIBLE: RM 2,500
CO-INS.: n/a%
CO-PAY: Deductible RM2,500 per policy year (applicable to benefits 1-11); no coinsurance
ICU: Yes
DAY SURG.: Yes
RENEWABLE: Yes
ENTRY AGE: 0–98

Plan 100 (Deductible RM5,000) RM 100,000 annual limit

LIFETIME: RM 1,000,000
ROOM & BOARD: RM 100
DEDUCTIBLE: RM 5,000
CO-INS.: n/a%
CO-PAY: Deductible RM5,000 per policy year (applicable to benefits 1-11); no coinsurance
ICU: Yes
DAY SURG.: Yes
RENEWABLE: Yes
ENTRY AGE: 0–98

Plan 150 (Deductible RM2,500) RM 500,000 annual limit

LIFETIME: RM 5,000,000
ROOM & BOARD: RM 150
DEDUCTIBLE: RM 2,500
CO-INS.: n/a%
CO-PAY: Deductible RM2,500 per policy year (applicable to benefits 1-11); no coinsurance
ICU: Yes
DAY SURG.: Yes
RENEWABLE: Yes
ENTRY AGE: 0–98

Plan 150 (Deductible RM5,000) RM 500,000 annual limit

LIFETIME: RM 5,000,000
ROOM & BOARD: RM 150
DEDUCTIBLE: RM 5,000
CO-INS.: n/a%
CO-PAY: Deductible RM5,000 per policy year (applicable to benefits 1-11); no coinsurance
ICU: Yes
DAY SURG.: Yes
RENEWABLE: Yes
ENTRY AGE: 0–98

● WAITING PERIODS

Verified: 24 Aug 2026
Source: official PDS / product page
TokioMarine-MedSecure PDS (medsecure_pds_en.txt) + brochure (medsecure_brochure.txt): standalone yearly renewable medical plan, 2 plans (100/150) x 2 deductible options (RM2,500/RM5,000); OAL RM100,000/RM500,000; lifetime limit RM1,000,000/RM5,000,000; R&B RM100/RM150 per day max 150 days per disability per policy year; pre-hosp 60 days, post-hosp 90 days; outpatient cancer RM30,000/RM300,000 per policy year; outpatient kidney dialysis RM15,000/RM300,000 per policy year; entry age 14 days to 98 next birthday, expiry age 99 next birthday; yearly guaranteed renewable; 20% NCD; no new waiting period for converters (30 days illness, 120 days specified); pay first claim later, cashless upon Guarantee Letter; exclusive to existing policy owners of eligible medical plans

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

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