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Ideal Care

  • ideal-careideal-care

    Be in control under any situation

Overview

Ideal Care is an indemnity policy which covers hospitalisation and medical costs in the event of injury or illness. With Ideal Care, you can recuperate in peace without worrying about the medical bill.

Benefits

  • Convenient hospital admission
  • Comprehensive coverage
  • Affordable premium
  • High medical coverage
  • Guaranteed renewal
  • Wide network of panel hospitals all over Malaysia
  • Complimentary Accidental Death benefit
  • You will enjoy savings with discount upon renewals
    2 consecutive years preceding renewal 10% discount on standard premium
    3 consecutive years preceding renewal 15% discount on standard premium
    4 consecutive years preceding renewal 20% discount on standard premium
  • Special Family Discount
    Insured + Spouse 5% Discount on standard premium
    Insured + Children 5% Discount on standard premium
    Insured + Spouse + Children 10% Discount on standard premium

Benefit Table

Plan Type Plan 1
(RM)		 Plan 2
(RM)		 Plan 3
(RM)		 Plan 4
(RM)
1) HOSPITAL BENEFITS MAXIMUM PER ANY ONE DISABILITY
Daily Room & Board (Max. 150 days) 100 150 250 300
Intensive Care Unit (Max 75 days) AS CHARGED
Hospital Supplies & Services
(including Operating Theatre)
2) SURGICAL BENEFITS
Pre-Admission Diagnostic Services
(within 31 days before admission)		 AS CHARGED
Pre-Surgical Specialist Consultation
(within 31 days before admission)
Surgical Fees & Anaesthetic Fees
Post Hospitalisation Treatment
(within 31 days after discharge)
Physiotherapy Treatment
(within 31 days after discharge)
MAXIMUM PER ANY ONE DISABILITY 15,000 20,000 30,000 40,000
3) MEDICAL BENEFITS (NON SURGICAL)
Pre-Hospital Diagnostic Services
(within 31 days before admission)		 AS CHARGED
Pre-Hospitalisation Specialist Consultation
(within 31 days before admission)
Daily In-Hospital Physician's Visit
Post Hospitalisation Treatment
(within 31 days after discharge)
MAXIMUM PER ANY ONE DISABILITY 15,000 20,000 30,000 40,000
4) AMBULANCE FEES AS CHARGED
5) OUTPATIENT / EXTENDED BENEFITS
Emergency Accidental Treatment AS CHARGED
Outpatient Cancer Treatment
(Annual Limit)		 15,000 25,000 35,000 45,000
Outpatient Kidney Dialysis Treatment
(Annual Limit)		 15,000 25,000 35,000 45,000
Lodger Expenses
(Guardian Allowance)		 50 60 80 100
Medical Report Fee 80 80 80 80
Home Nursing
(within 31 days after discharge)		 100 125 150 175
6) ORGAN TRANSPLANTATION (ONCE PER LIFETIME) 20,000 30,000 40,000 50,000
7) GOVERNMENT HOSPITAL INCOME BENEFITS
Daily Cash Allowance 50 60 80 100
8) ACCIDENTAL DEATH BENEFIT 5,000 7,500 12,500 15,000
9) OVERALL ANNUAL LIMIT 40,000 60,000 100,000 120,000
10) OVERALL LIFETIME LIMIT 120,000 180,000 300,000 360,000

Premium Table

ANNUAL PREMIUM RATES (AGE NEXT BIRTHDAY)
Age Plan 1
(RM)		 Plan 2
(RM)		 Plan 3
(RM)		 Plan 4
(RM)
30days - 10yrs (Children) 306 361 459 524
11yrs - 18yrs 265 312 396 452
19yrs - 25yrs 326 385 490 560
26yrs - 30yrs 367 367 553 632
31yrs - 35yrs 407 482 615 704
36yrs - 40yrs 468 555 709 812
41yrs - 45yrs 529 628 803 920
46yrs - 50yrs 631 749 959 1099
51yrs - 55yrs 793 943 1210 1387
56yrs - 60yrs 915 1088 1397 1602
61yrs - 65yrs (Renewal only) 1240 1477 1898 2177
66yrs - 70yrs (Renewal only) 1646 1962 2523 2896

Enrolment

Complete the application form by:

  • Obtaining the form at any of our branches.
    (Free 'Mystery Gift' for every approved policy)

Underwritten by:

Prudential

This is for your general information only. You are advised to visit any of our UOBM branches for the detailed terms, conditions and exclusions of coverage. The above plans are underwritten by Liberty General Insurance Berhad 197801007153 (44191-P), formerly known as AmGeneral Insurance Berhad. All claims and liabilities arising from the policies should be made with the company.