Your Health, Our Priority
Comprehensive Medical Coverage for Peace of Mind
Protect yourself and your loved ones with our reliable medical card. Enjoy access to quality healthcare whenever you need it, without the financial stress.
About Our Medical Card Plan
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 |
| Hospital Supplies and Services | |
| Surgeon Fee | |
| Anaesthetist Fee | |
| Operating Theatre Charges | |
|
Daily in-Hospital Physician's Visit. (Max. 180 days) |
|
|
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 |
| Hospital Supplies and Services | |
| Surgeon Fee | |
| Anaesthetist Fee | |
| Operating Theatre Charges | |
|
Daily in-Hospital Physician's Visit. (Max. 180 days) |
|
| Pre-Hospital Diagnostic Tests | |
| Pre-Hospitalization Specialist Consultation | |
| Second Surgical Opinion | |
| Post-Hospitalization Treatment | |
| Emergency Accidental Outpatient Treatment | |
| Outpatient Cancer Treatment | |
| Outpatient Kidney Dialysis Treatment | |
| Daycare Procedure | |
|
Ambulance Charges (by road) |
|
| Government Service Tax | |
|
Government Hospital Daily Cash Allowance (Max. 180 days) |
200 |
| Medical Report Fee Reimbursement | 80 |
| Funeral Expenses - Accidental (Hospitalized) | 10,000 |
| OVERALL ANNUAL LIMIT | 100,000 |
| Panel Hospital - MiCare | 148 Panel Hospital Nationwide |
Contributions as low as RM7.00 Per Day
- RM210 Monthly + RM210 Commitment
- RM630 Quarterly
- RM1,260 Semi-Annually
- RM2,520 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.