Protect yourself and your loved ones with our reliable medical card. Enjoy access to quality healthcare whenever you need it, without the financial stress.
A medical card is your gateway to worry-free healthcare. It provides financial protection by covering medical expenses, including hospital stays, surgeries, outpatient treatments, and more. With our medical card, you can focus on recovery while we handle the costs.
Cashless Hospital Admission
No out-of-pocket payments at panel hospitals.
Comprehensive Coverage
Inpatient, outpatient, surgery, and follow-up care.
Nationwide Network
Access to top-tier hospitals and clinics across the country.
Why Our Medical Card?
We stand out because we prioritize your health and peace of mind. With our medical card, you’ll enjoy:
Affordable Premiums
Flexible plans to suit every budget.
Extensive Coverage
Includes specialist consultations, advanced treatments, and post-care.
Hassle-Free Claims
Fast and straightforward claims process.
24/7 Support
Assistance whenever and wherever you need it.
How Does the Medical Card Work?
Hibah is a simple and transparent process. Here’s how it works:
1.
Choose Your Plan
Select a medical card plan that fits your budget and healthcare needs.
2.
Register & Activate
Complete the registration process, and your card will be activated within a few days.
3.
Enjoy Cashless Treatment
Present your card at any panel hospital or clinic for immediate cashless admission and treatment.
4.
Claim & Reimbursement
For non-panel hospitals, submit your receipts, and we’ll reimburse the covered expenses.
Flexible Plans for Every Budget
We offer affordable medical card plans to suit your needs:
Plan
Monthly
Quarterly
Half Yearly
Yearly
MediPlan Coop
RM 90
-
-
RM 1,080
Senior Care Plan Gold 270
RM 150 + Commitment Fee RM 150
RM 450
RM 900
RM 1,800
Senior Care Plan Diamond 370
RM 210 + Commitment Fee RM 210
RM 630
RM 1,260
RM 2,520
MediPlan Coop
Benefit
RM
Room & Board
250
Ambulance Fees
Included
Intensive Care Unt
Hospital Supplies & Services
Surgical Fees
Operating Theater Fees
Anesthetist Fees
In-hosptal Doctor Visit
Day Care & Day Surgery
Second Surgical / Treatment Opinion
Emergency Accidental Dental Treatment
Covid Test for Admission Purpose
Daily Cash Allowance in Government Hospital
(Up to maximum of 120 days per yes)
100
Pre-Hospital Diagnostic Test & Consultation
(Per admission, applicable 30 days prior to admission to hospital)
5,000
Accidental Injury Surgery / Treatment (Applicable for in-patent treatment and must frat be paid by the Member before their case can be submitted for claim during the Waiting Period Post Waiting Period, the standard in-patient medical cost of RM1,000,000 applies)
10,000
Bereavement (Upon death, RM10,000 will be paid to their appointed beneficiary as liated in the syslem)
10,000
Out-patient Cancer Treatment
(Chemotherapy, Radiotherapy and Electrotherapy are eligible for sharing up to RM100,000, which is excluded from the RM1.000,000 In-Patient Hospitalization Medical Expenses Required to complete the 180-day Waiting Period)
100,000
Conditional Outpatient Benefits Specified clinical outpatient benefits for common medical conditions list
As Charged
ANNUAL LIMIT
1,000,000
Third Party Administrator - eMAS (Eximius Medical Administration Solutions)
250 Panel Hospital 4,000 Panel Clinics
Benefits
Room & Board: RM250 per day
Annual Limit: RM1,000,000 per year
Government Hospital Ward Allowance: RM100 per day
No Co-Insurance, No Co-Takaful, No Deductible
Death Benefit: RM10,000
RM100,000 per year for Outpatient Cancer Treatment
Conditional Outpatient Benefits (COB) - Specified clinical outpatient benefits for common medical conditions list
Collaboration with Kita Kongsi Sdn Bhd as the program operator and eMAS (Eximius Medical Administration Solutions) as the Third Party Administrator (TPA), responsible for managing Hospital Admission Guarantee Letters and Conditional Outpatient Benefits (COB). Over 250 panel hospitals and 4,000 panel clinics are available across Malaysia.
Terms & Conditions
Open to healthy Malaysian citizens with no pre-existing medical conditions.
Age eligibility: 30 days to 45 years old for enrollment, with renewal allowed up to 100 years old.
Contribution rates are fixed regardless of gender, age, or occupation.
Hospital admission must follow the prescribed procedures.
Waiting Period
90 days for general illnesses.
180 days for specific illnesses.
Plan Pricing Based on Payment Mode:
RM1,080 per year
RM90 per month
Senior Care Plan Gold 270
BENEFITS
RM
Hospital Room & Board (Daily max up to 180 days)
270
Intensive Care Unit (Daily max up 30 days)
Full Reimbursement subject to Overall Annual Limit provided the charges are within the recommendation of the MMA Guidelines and Reasonable and Customary Charges
Pre-Hospital Diagnostic Tests
(Within 60 days before hospital confinement)
Pre-Hospitalization Specialist Consultation
(Within 60 days before hospital confinement)
Second Surgical Opinion
(Within 60 days before hospital confinement)
Post-Hospitalization Treatment
(Within 60 days from hospital discharge)
Emergency Accidental Outpatient Treatment
(Within 24 hours after the accident & follow-up up to 60 days)
Outpatient Cancer Treatment
Outpatient Kidney Dialysis Treatment
Daycare Procedure
Ambulance Charges (by road)
Government Service Tax
Government Hospital Daily Cash Allowance (Max. 180 days)
100
Medical Report Fee Reimbursement
80
Funeral Expenses - Accidental (Hospitalized)
10,000
OVERALL ANNUAL LIMIT
75,000
Panel Hospital - MiCare
148 Panel Hospital Nationwide
Contributions as low as RM5.00 Per Day
RM150 Monthly + Rm150 Commitment
RM450 Quarterly
RM900 Semi-Annually
RM1,800 Annually
Terms & Conditions
Minimum entry age is 46 years, and maximum entry age is 65 years. Renewals are allowed up to 70 years old.
Healthy Malaysian Citizens
Payment modes include monthly, quarterly, semi-annual, and annual options.
Payment methods available: debit/credit card, FPX Online, BNPL, or e-Wallet.
Senior Care Plan Diamond 370
BENEFITS
RM
Hospital Room & Board (Daily max up to 180 days)
370
Intensive Care Unit (Daily max up 30 days)
Full Reimbursement subject to Overall Annual Limit provided the charges are within the recommendation of the MMA Guidelines and Reasonable and Customary Charges