Insurance
PRODUCTS / MEDICAL CARD
Medical Card
Discover peace of mind with our line-up of comprehensive medical card coverages. Designed to safeguard your health and well-being, these medical cards offer you access to a network of top-tier healthcare providers, ensuring you receive the best medical care when you need it most. With these medical cards, you can face any medical situation with confidence, knowing that your health is our priority.
We protect you against risk
At insureKU, we are committed to providing you with the right coverage, right price, and right value. Our medical cards are tailored to shield you against unexpected medical expenses, giving you financial security and peace of mind. From hospitalization to outpatient treatments, our coverage encompasses a wide range of medical services, ensuring that you and your loved ones are protected against the uncertainties of life.
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The Right Coverage. The Right Price. The Right Value
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Comprehensive Medical Coverage
This means that a wide range of medical services are included in your insurance plan. From hospital stays to doctor visits and treatments, you're covered for various health needs.
Cashless Hospitalization
You can go to partner hospitals without paying upfront. Your medical card acts like a virtual wallet, settling the bills directly with the hospital, saving you the hassle of reimbursement.
Specialist Consultations and Second Opinions
You can consult with medical specialists for expert advice or even get a second opinion from another doctor to ensure you're making the right healthcare decisions.
Medical Coverage
The cost of prescribed medications is taken care of by your insurance. You don't have to worry about the expenses for the medicines you need.
Emergency Medical Evacuation and Repatriation
If you're seriously ill and need to be moved to a better medical facility or brought back home, your insurance can cover the costs of transport.
Additional Benefits
These are extra perks that come with your medical card. They could include services like dental care, wellness check-ups, or coverage for certain treatments.
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Deductible Amount
This is the initial amount you agree to pay before your insurance coverage kicks in. For instance, if your deductible is RM500 and your bill is RM1,000 , you will pay RM500, and the insurance covers the remaining RM500.
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Why choose us
Fast, dedicated, professional
Experience the difference of a fast, dedicated, and professional insurance aggregator platform. Our streamlined process ensures that you get the coverage you need without delay. Our team is dedicated to assisting you every step of the way, from choosing the perfect medical card to answering any questions you may have. With our professional guidance, you can make informed decisions and select the medical card that aligns with your needs and preferences.
Tips: Protect the Things that Matter to You
Your health and well-being are among the most precious things in life. With our range of medical cards, you’re not just getting coverage; you’re investing in your future and ensuring that you’re prepared for whatever challenges may arise. Safeguard your health, secure your financial stability, and protect your loved ones through insureKU. We understand that your health matters, and we’re here to ensure that you have the support you need when it matters most.
* It’s important to review the specific terms and conditions of medical card insurance policies, including coverage limits, waiting periods, and exclusions. Understanding the policy details and selecting a plan that aligns with your specific healthcare needs is crucial to maximizing the benefits of medical card insurance.
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Insurance partners
How can we help?
SUPPORT
1. What is Term Life Insurance / Term Life Takaful?
Term Life insurance or Term Life Takaful is one the simplest and most reliable financial solutions that will protect your loved ones when you are no longer able to. The benefit will allow your family to cope with loss without the additional stress of worrying how to make ends meet. The money can help them to:
- Pay off the remaining mortgage.
- Cover personal debts and loans.
- Maintain their quality of life and pay day-to-day expenses.
- Cover your childrens’ school tuition.
- Cover funeral expenses and provide an inheritance plan.
We realize there is no “one size fits all” life insurance plan, thereby, we provide a full range of solutions to suite every stage of life. By partnering with insurers in Malaysia, we are able to provide products for individuals looking to protect their families, their business, mortgage or themselves.
2. Do I Need Term Life Insurance or Term Life Takaful?
If you are married, have children, or parents who depend on you, it’s wise to have a term life insurance policy or term life takaful certificate that provides a safety net should something happen to you for a specific period. A policy or certificate will protect yourself, your assets and your loved ones when you no longer can. The payout from a policy could mean that it helps with medical bills, mortgage payments, outstanding debt, or monthly income for your family.
3. What does life insurance cover?
Life insurance pays out a lump sum to your beneficiaries if you die. Often the funds are used to pay off a mortgage, to help raise children, or to cover rent and day-to-day expenses. Funds can also be used to settle medical bills or co-signed debts that would otherwise be transferred to your partner.
There is no income or capital gains tax on life insurance payouts, however you could be subject to inheritance tax if your estate (the sum of your anything you own) is over a threshold. This can be sidestepped by placing the policy in trust, so that you beneficiaries become the trustees, and the policy is no longer part of your estate.
4. When is the best time to get covered?
The younger you are, the cheaper your life insurance policy is likely to be. This means it’s more efficient and cheaper in the long run to get covered as soon as you’re considering it, or soon as you have dependents.
5. Can I get covered if I've had health issues?
Everyone is unique, and every policy is underwritten individually. While health history is one of many price factors (often also including current health, age and use of tobacco), it doesn’t in any way prevent you from receiving quotes. Our experts have helped many happy applicants with pre-existing conditions and health challenges.
6. What does medical card cover?
Medical card covers all hospitalization bills. All bills related to admission of illness, whether it is illness or accidental will be covered according to the Annual Limit of the card.
7. Whom should I contact if I have an issue?
Please send in our queries to info@insureku.com and our helpdesk will revert to you the soonest possible. Alternatively, you may click on the contact us icon on the website to send us your queries and we will email you on the related matter.
8. Will I receive a policy or certificate contract after my application?
Yes, you will receive the policy contract from the insurer or takaful operator that you have purchased it from. The specific insurer will email the contract to you directly once the purchase of the policy/certificate is successful.
9. What do I do when there is a claim?
You would have to contact the specific insurer when there is a need for claim. The details of the number will be given in the policy contract. You may click on the claim tabs of the specific insurer/takaful operator on insureku.com and it will redirect you to the specific claims department.
10. What should I do if my payment is not successful?
You may email to info@insureku.com or click on the contact us tab and submit your details there and our customer service team will get back to you the soonest.