MEDICAL CARD / Tokio Marine
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 100,000 | 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 100,000 | 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 500,000 | 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 500,000 | 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 |
● WAITING PERIODS
- General: 30 days
- Specified (120-day): 120 days
- Pre-existing: n/a
● SOURCE
- 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 — we never publish invented premiums.