When you are sick, you want the best medical treatment—the last thing on your mind should be the bill.
Let HLA MediShield Rider take care of your medical bills without hassle upon admission to the hospital. Know that we are there with you at every step, and that you can focus on your treatment with peace of mind.
We understand that medical costs are escalating every year. Don’t let this deter you from seeking the best in medical treatment, and deny yourself and your loved ones the protection that you deserve; your medical insurance should provide complete coverage while still being affordable.
With 9 flexible combinations to choose from, this rider is designed to give you all-encompassing, suitable, and economical medical insurance.
HLA MediShield Rider also comes with an optional benefit called Million Extra that gives you an additional RM1 million annual limit at an affordable premium with No Lifetime Limit. Million Extra will pay you any eligible claims above the deductible amount per year.
*Cover up to age 100
*Long term peace of mind with your medical bill being taken care of up to age 100.
*No Claim Incentives (NCI)
Increase your Overall Annual Limit and Lifetime Limit by 10% if no claim and without NCI in the past 5 years to mitigate the impact of inflation in years to come. You can enjoy a maximum of 5 times of this incentive.
*9 combinations
For those with staff medical benefit, are self-insured or hold an existing medical insurance, it is economical to opt for deductibles to reduce your premium outlay significantly. You may even choose different level of deductibles (prior to or after retirement age of 60), or just get cover from first dollar. The choices are with you– a total of 9 combinations to suit you best.
*Allows Alternative Treatments
We allow you to seek Traditional Chinese Medicine and Chiropractic Treatment within 2 months after discharge for your speedy recovery.
*2 options
With additional affordable premiums, you may enhance your medical coverage with the following options:
Million Extra – Provides an additional RM1 million annual limit with No Lifetime Limit.
Overseas Treatments for Selected Surgeries - Extend your medical treatment to pre-authorised hospitals in Singapore, Hong Kong, and China.
*What are you covered for?
Comprehensive cover ranging from hospitalisation related expenses, Pre-Hospitalisation diagnosis and consultation, Post-Hospitalisation treatment, Outpatient Treatment, cash allowance and Home Nursing Care up to the Overall Annual Limit for each Rider Year of your chosen plan.
*Emergency Evacuation & Repatriation up to RM250,000 per event.
*If you opt for plan without deductible, we shall take care of your medical bill from the first dollar. On the other hand, if plan with deductible is selected, you are required to bear the medical expenses up to the deductible amount.
*If your plan is enhanced with optional benefit of Overseas Treatment for Selected Surgeries, a separate limit of RM 250,000 per Any One Disability and RM250,000 per Rider Year shall apply, up to RM 2.5 million in aggregate for entire term.
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