MPower (7.2003)  
Article Index:
1. MPower (7.2003)
2. Benefits
3. Annual Premium
4. Optional Cover
5. Pre-Existing Conditions
6. Frequently Asked Questions
7. Exclusions
Annual Premium
Page 3 of 7
Age Band* Plan 1 Plan 2 Plan 3 Plan 4 Plan 5
RM RM RM RM RM
6 months - 6 years 363.00 393.00 433.00 - -
7 years - 12 years 273.00 323.00 363.00 - -
13 years - 20 years 233.00 262.00 303.00 573.00 762.00
21 years - 30 years 259.00 308.00 373.00 508.00 643.00
31 years - 35 years 269.00 320.00 386.00 527.00 668.00
36 years - 40 years 273.00 330.00 392.00 533.00 673.00
41 years - 45 years 277.00 335.00 397.00 545.00 689.00
46 years - 50 years 392.00 463.00 543.00 715.00 918.00
51 years - 55 years 416.00 490.00 573.00 757.00 970.00
56 years - 60 years (Renewal Only) 659.00 795.00 958.00 1336.00 1767.00
61 years - 65 years (Renewal Only) 938.00 1169.00 1495.00 2342.00 3130.00

MCO Fees

Individual Plan – RM33.00 per person
Family/Group Plan – RM25.00 per person

Age Limit

The plans shall cover eligible persons between the ages of 6 months to 55 years. Renewable up to 65 years.

Conditions

Children between the ages of 6 months and 17 years must be enrolled together with at least one of their parents and the plans chosen must not be higher than the accompanying parent.

Premiums payable will increase with age, as indicated by the relevant age band for M Power plans purchased, and MCO fees will be chargeable separately.

Benefits PLAN 1 PLAN 2 PLAN 3 PLAN 4 PLAN 5
RM RM RM RM RM
Overall Annual Limit 20,000 30,000 50,000 100,000 150,000
  Maximum Per Any One Disability
Hospital Benefits
Room & Board (Max 150 days) 80 per day 120 per day 200 per day 350 per day 450 per day
Intensive Care Unit (Max 75 days) 160 per day 250 per day 400 per day 500 per day 600 per day
Hospital Supplies & Services(Including Medical/Specialist Reports if required by the Insurance Company) ………… *Full Reimbursement …………*(The Company shall only pay 80% of the fees charged by the hospital for the use of Magnetic Resonance Imaging (MRI), CT Scan and Heart Scan)
Operating Theatre Charges ………… *Full Reimbursement …………
 
Surgical Benefits
Pre-Hospital Diagnostic Test ………… *Full Reimbursement …………
Surgeon Fees 10,000 15,000 25,000 50,000 75,000
Anaesthetist Fees 3,000 4,500 7,500 15,000 22,500
 
Medical Benefits (Non-Surgical)
Pre-Hospitalisation Specialist Consultation ………… *Full Reimbursement …………
Daily In-Hospital Physician’s Visit (Max. 60 days) ………… *Full Reimbursement …………
Post Hospitalisation Treatment (For a maximum period of 31 days from discharge)[The Insured Person may opt for either (a) or (b)]  
(a) The Reasonable and Customary Charges incurred in follow-up treatment by the same ttending Physician ………… *Full Reimbursement …………
(b)    Reimbursement of the Charges incurred in follow-up treatment by a qualified Sinseh up to RM35.00 per visit but not exceeding the overall stipulated limits 150 150 300 300 300
 
Out-Patient Benefits
Emergency Accidental Out-Patient Treatment ………… *Full Reimbursement …………
Ambulance Fees (by road) ………… *Full Reimbursement …………
Out-Patient Physiotherapy Treatment ………… *Full Reimbursement …………
Monthly Out-Patient Kidney Dialysis or Monthly Out-Patient Cancer Treatment 2,000 3,500 4,000 5,000 6,000
 
Organ Transplant
Government Hospital Income Benefits ………… *Full Reimbursement …………
Daily Cash Allowance at Government Hospitals (Max 150 days) 45 55 60 65 70
Government Service Tax … 5% of Eligible Expenses Reimburseable …

*Full Reimbursement – Subject to the Schedule of Benefits and Terms and Conditions of the Policy.