MEDICAL CARD / Generali
ONEMEDIC PLUS
Generali Insurance Malaysia Berhad · Medical rider on investment-linked policy · 4 tiers · verified 24 Aug 2026
Lite 1 RM 250,000 annual limit
- LIFETIME
- Unlimited
- ROOM & BOARD
- RM 150
- DEDUCTIBLE
- —
- CO-INS.
- 5%
- CO-PAY
- Basic Co-Insurance 5% min RM500 max RM1,000 per policy year; or deductible RM5,000 or RM10,000 per policy year; co-payment waived for accident/emergency treatment, Malaysian government hospital/healthcare facility, and outpatient cancer/kidney dialysis claims
- ICU
- Yes
- DAY SURG.
- Yes
- RENEWABLE
- Yes
- ENTRY AGE
- not disclosed+
Lite 2 RM 500,000 annual limit
- LIFETIME
- Unlimited
- ROOM & BOARD
- RM 150
- DEDUCTIBLE
- —
- CO-INS.
- 5%
- CO-PAY
- Basic Co-Insurance 5% min RM500 max RM1,000 per policy year; or deductible RM5,000 or RM10,000 per policy year; co-payment waived for accident/emergency treatment, Malaysian government hospital/healthcare facility, and outpatient cancer/kidney dialysis claims
- ICU
- Yes
- DAY SURG.
- Yes
- RENEWABLE
- Yes
- ENTRY AGE
- not disclosed+
Elite 1 RM 1,500,000 annual limit
- LIFETIME
- Unlimited
- ROOM & BOARD
- RM 250
- DEDUCTIBLE
- —
- CO-INS.
- 5%
- CO-PAY
- Basic Co-Insurance 5% min RM500 max RM2,000 per policy year; or deductible RM5,000 or RM10,000 per policy year; co-payment waived for accident/emergency treatment, Malaysian government hospital/healthcare facility, and outpatient cancer/kidney dialysis claims
- ICU
- Yes
- DAY SURG.
- Yes
- RENEWABLE
- Yes
- ENTRY AGE
- not disclosed+
Elite 2 RM 2,500,000 annual limit
- LIFETIME
- Unlimited
- ROOM & BOARD
- RM 300
- DEDUCTIBLE
- —
- CO-INS.
- 5%
- CO-PAY
- Basic Co-Insurance 5% min RM500 max RM2,000 per policy year; or deductible RM5,000 or RM10,000 per policy year; co-payment waived for accident/emergency treatment, Malaysian government hospital/healthcare facility, and outpatient cancer/kidney dialysis claims
- ICU
- Yes
- DAY SURG.
- Yes
- RENEWABLE
- Yes
- ENTRY AGE
- not disclosed+
● WAITING PERIODS
- General: 30 days
- Specified (120-day): 120 days
- Pre-existing: n/a
● SOURCE
- Verified: 24 Aug 2026
- Source: official PDS / product page
- OneMedic Plus PDS V01/01-2026 (issued by Generali Life Insurance Malaysia Berhad; unit-deducting rider on Wealth Protect Assure 2): 4 plans Lite 1/2, Elite 1/2; annual limits RM250k/500k/1.5m/2.5m; R&B RM150/day max 150 days (Lite 1&2, merged cell), RM250/day (Elite 1), RM300/day (Elite 2) no day limit; no lifetime limit; co-insurance 5% min RM500 max RM1,000 (Lite)/RM2,000 (Elite) per policy year or deductible RM5,000/RM10,000 per policy year; waiting 30 days general/120 days specified; pre-hosp 90 days, post-hosp 210 days; Inflation Defender +10% every 5 policy years (Elite only); insurance charges deducted monthly from account value (AIC table ages 0-99, renewal 71-99).
Premiums are quote-gated in Malaysia. Get an official quote from Generali — we never publish invented premiums.