ONEMEDICAL

Etiqa Life Insurance Berhad · Standalone medical card · 3 tiers · verified 24 Aug 2026

Tier	Annual limit	Lifetime	Room & board	Deductible	Co-ins.	Co-pay	ICU	Day surg.	Renewable	Entry age
Plan 1	RM 50,000annual limit	Unlimited	RM 160	—	n/a%	Optional deductible RM1,000 per hospitalisation (applies to Inpatient & Day Care Surgery benefits only); RM0/no-deductible option; no coinsurance	Yes	Yes	No	17–55
Plan 2	RM 100,000annual limit	Unlimited	RM 280	—	n/a%	Optional deductible RM1,000 per hospitalisation (applies to Inpatient & Day Care Surgery benefits only); RM0/no-deductible option; no coinsurance	Yes	Yes	No	17–55
Plan 3	RM 150,000annual limit	Unlimited	RM 360	—	n/a%	Optional deductible RM1,000 per hospitalisation (applies to Inpatient & Day Care Surgery benefits only); RM0/no-deductible option; no coinsurance	Yes	Yes	No	17–55

Plan 1 RM 50,000 annual limit

LIFETIME: Unlimited
ROOM & BOARD: RM 160
DEDUCTIBLE: —
CO-INS.: n/a%
CO-PAY: Optional deductible RM1,000 per hospitalisation (applies to Inpatient & Day Care Surgery benefits only); RM0/no-deductible option; no coinsurance
ICU: Yes
DAY SURG.: Yes
RENEWABLE: No
ENTRY AGE: 17–55

Plan 2 RM 100,000 annual limit

LIFETIME: Unlimited
ROOM & BOARD: RM 280
DEDUCTIBLE: —
CO-INS.: n/a%
CO-PAY: Optional deductible RM1,000 per hospitalisation (applies to Inpatient & Day Care Surgery benefits only); RM0/no-deductible option; no coinsurance
ICU: Yes
DAY SURG.: Yes
RENEWABLE: No
ENTRY AGE: 17–55

Plan 3 RM 150,000 annual limit

LIFETIME: Unlimited
ROOM & BOARD: RM 360
DEDUCTIBLE: —
CO-INS.: n/a%
CO-PAY: Optional deductible RM1,000 per hospitalisation (applies to Inpatient & Day Care Surgery benefits only); RM0/no-deductible option; no coinsurance
ICU: Yes
DAY SURG.: Yes
RENEWABLE: No
ENTRY AGE: 17–55

● WAITING PERIODS

Verified: 24 Aug 2026
Source: official PDS / product page
PDS (Etiqa Life Insurance Berhad) + official flyer Table of Benefits: Plan 1 RM50,000/R&B RM160, Plan 2 RM100,000/R&B RM280, Plan 3 RM150,000/R&B RM360; overall lifetime limit No Limit; optional deductible RM1,000 per hospitalisation (inpatient & day care surgery only) or RM0; pre-hosp 60 days (max 2 GP + 1 specialist consults), post-hosp 90 days; covers hospitalisation & surgical expenses up to age 85; PDS states 'Renewal and premium rates are not guaranteed'; coverage starts 30 days after issue except accidents; specified illnesses first 120 days; no commission, distributed without intermediaries (online). Flyer: https://www.etiqa.com.my/pdfs/en/insurance/Flyer_OneMedical.pdf

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

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