MEDICAL CARD / Etiqa
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 50,000 | 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 100,000 | 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 150,000 | 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 |
● WAITING PERIODS
- General: 30 days
- Specified (120-day): 120 days
- Pre-existing: n/a
● SOURCE
- 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.