MEDICAL CARD / Generali
MULTI MEDIC
Generali Insurance Malaysia Berhad · Standalone medical card · 6 tiers · verified 24 Aug 2026
Base Plan 1 RM 110,000 annual limit
- LIFETIME
- Unlimited
- ROOM & BOARD
- RM 165
- DEDUCTIBLE
- RM 0
- CO-INS.
- n/a%
- CO-PAY
- No coinsurance on main benefits; deductible per disability (Part A only) options: Option 1 RM0 / Option 2 5,500 / Option 3 11,000; TCM subject to 20% co-payment
- ICU
- Yes
- DAY SURG.
- —
- RENEWABLE
- Yes
- ENTRY AGE
- 0–65
Base Plan 2 RM 165,000 annual limit
- LIFETIME
- Unlimited
- ROOM & BOARD
- RM 275
- DEDUCTIBLE
- RM 0
- CO-INS.
- n/a%
- CO-PAY
- No coinsurance on main benefits; deductible per disability (Part A only) options: Option 1 RM0 / Option 2 8,250 / Option 3 16,500; TCM subject to 20% co-payment
- ICU
- Yes
- DAY SURG.
- —
- RENEWABLE
- Yes
- ENTRY AGE
- 0–65
Base Plan 3 RM 330,000 annual limit
- LIFETIME
- Unlimited
- ROOM & BOARD
- RM 385
- DEDUCTIBLE
- RM 0
- CO-INS.
- n/a%
- CO-PAY
- No coinsurance on main benefits; deductible per disability (Part A only) options: Option 1 RM0 / Option 2 11,000 / Option 3 22,000; TCM subject to 20% co-payment
- ICU
- Yes
- DAY SURG.
- —
- RENEWABLE
- Yes
- ENTRY AGE
- 0–65
Prime Plan 1 RM 550,000 annual limit
- LIFETIME
- Unlimited
- ROOM & BOARD
- RM 550
- DEDUCTIBLE
- RM 0
- CO-INS.
- n/a%
- CO-PAY
- No coinsurance on main benefits; deductible per disability (Part A only) options: Option 1 RM0 / Option 2 16,500 / Option 3 27,500; TCM subject to 20% co-payment
- ICU
- Yes
- DAY SURG.
- —
- RENEWABLE
- Yes
- ENTRY AGE
- 0–65
Prime Plan 2 RM 825,000 annual limit
- LIFETIME
- Unlimited
- ROOM & BOARD
- RM 1,100
- DEDUCTIBLE
- RM 0
- CO-INS.
- n/a%
- CO-PAY
- No coinsurance on main benefits; deductible per disability (Part A only) options: Option 1 RM0 / Option 2 22,000 / Option 3 33,000; TCM subject to 20% co-payment
- ICU
- Yes
- DAY SURG.
- —
- RENEWABLE
- Yes
- ENTRY AGE
- 0–65
Prime Plan 3 RM 1,100,000 annual limit
- LIFETIME
- Unlimited
- ROOM & BOARD
- RM 3,300
- DEDUCTIBLE
- RM 0
- CO-INS.
- n/a%
- CO-PAY
- No coinsurance on main benefits; deductible per disability (Part A only) options: Option 1 RM0 / Option 2 33,000 / Option 3 55,000; TCM subject to 20% co-payment
- ICU
- Yes
- DAY SURG.
- —
- RENEWABLE
- Yes
- ENTRY AGE
- 0–65
● WAITING PERIODS
- General: 30 days
- Specified (120-day): not disclosed days
- Pre-existing: n/a
● SOURCE
- Verified: 24 Aug 2026
- Source: official PDS / product page
- Multi Medic Brochure (EN) 01/2026 benefits table: 6 plans (Base 1-3, Prime 1-3); OAL RM110k-1.1m; R&B RM165-3,300/day unlimited days; deductible per disability (Part A only) 3 options per plan; entry 30 days-65 yrs, renewable to 100; waiting 30 days; no lifetime limit; TCM 20% co-payment; optional riders EMER/HCI/OPI/DI/CI/PA. PDS 03/2026 confirms annual limit RM110k-RM1.1m, R&B RM165-RM3,300/day, lifetime limit not applicable, coverage starts 30 days after effective date. Premium & Commission Table w.e.f 01-06-2026.
Premiums are quote-gated in Malaysia. Get an official quote from Generali — we never publish invented premiums.