I.ExpatCARE Individual
The I.ExpatCARE is offered to Malaysians and permanent residents of Malaysia (based on the Inland Revenue of Malaysia’s Guidelines) as well as full time foreign employees of a company incorporated in Malaysia.
Individuals aged between eighteen (18) years to fifty nine (59) years (to the nearest birthday) are eligible to apply for the I.ExpatCARE together with their legally married spouse and unmarried children (aged thirty (30) days to nineteen (19) years or twenty three (23) years, if still pursuing higher education and is not gainfully employed).
I.ExpatCARE Corporate
The I.ExpatCARE Corporate is open to Malaysian employers (company incorporated in Malaysia) to cover their
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Expatriated Malaysian employees (and dependents) on foreign assignment outside Malaysia
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Non-Malaysian full time employees (and dependents)
All current and future full time employees aged eighteen (18) years to fifty nine (59) years (to the nearest birthday) are eligible to apply for the I.ExpatCARE Corporate. The legally married spouse of the Insured Employee and their unmarried children (aged thirty (30) days to nineteen (19) years or twenty three (23) years, if still pursuing higher education and is not gainfully employed) are also eligible for coverage.
| Comprehensive Medical Coverage | |||
 | In-patient Care | ||
| The I.ExpatCARE provides in-patient care coverage for admission to a hospital, which includes room & board charges, doctor’s fees (surgeon & anaesthetist’s fees), medical facilities charges as well as special cancer treatment, kidney dialysis and organ transplant charges. | |||
| Out-patient Care | ||
| Benefits here include consultation fees for a General Practitioner or Specialist for common sickness, bodily injuries, diagnostic tests and medication. Out-patient cancer treatment, kidney dialysis and day care surgery are also part of this benefit. | |||
| Extra Benefits | ||
| In addition to the above, the I.ExpatCARE includes benefits such as physiotherapy, medical aids (hearing aids, orthopaedic appliances etc.) and treatments performed by complementary medical practitioners (chiropractor, osteopath, acupuncturist and homeopath) that have been prescribed by a doctor. Maternity coverage (except Elective Caesarean Surgery) is also included. | |||
| Geographical Coverage | |||
| The I.ExpatCARE offers you a choice between three (3) geographic areas of cover | ||
| However, during business trips or holidays not exceeding ninety (90) days, medical expenses incurred in the excluded countries as a consequence of an accident or a medical emergency will be covered up to the limits of the plan purchased. If the medical condition concerned already existed prior to travel to the excluded countries, then the medical expenses related to that medical condition are not covered. | ||
| Choice of Plan | |||
| I.ExpatCARE offers you five (5) attractive plans designed to suit your budget and healthcare needs. | ||
| Fantastic Coverage | |||
| The I.ExpatCARE provides you insurance coverage ranging from RM 950 000 (approximately USD 250 000*) to RM 14 250 000 (approximately USD 3 750 000*) per annum. This rich coverage promises you accessibility to quality medical care overseas. Simply a fantastic deal ! * Converted at a fixed rate of USD 1.00 = RM 3.80 | ||
| Benefits | Plan Description | ||||
| Planet | Star | Galaxy | Orbit | Universe | |
| Overall Annual Limit per Insured and per Policy Year | RM 950 000 | RM 2 850 000 | RM 4 750 000 | RM 7 125 000 | RM 14 250 000 |
| 1. In-patient Care(with overnight stay) | Pre-certification required | ||||
| 1 Hospital Accommodation | As charged (but no more than the standard private room rates) As Charged | ||||
| 1.2 Doctor’s Fees | As Charged | ||||
| 1.3 Medical Facilities, including | As Charged | ||||
| 1.4 Special Cancer Treatment and Kidney Dialysis | As Charged | ||||
| 1.5 Organ Transplant | Prior approval from the Insurer’s Medical Adviser is required. As Charged subject to a maximum limit of RM 475 000. | ||||
| 2. Out-patient Care(Sub-limit for all Out-patient Care per Insured per Policy year) | RM 9 500(Reimbursement Basis) | RM 28 500(Reimbursement Basis) | RM 47 500(Reimbursement Basis) | RM 71 250(Reimbursement Basis) | RM 142 500(Reimbursement Basis) |
| 2.1 Doctor’s Fees | As Charged | ||||
| 2.2 Hospital Diagnostic Tests | As Charged | ||||
| 2.3 Prescription Medicines | As Charged | ||||
| 2.4 Out-patient Cancer Treatmentand Out-patient Kidney Dialysis | As Charged | ||||
| 2.5 Day Surgery (out-patient surgery) | As Charged | ||||
| 3. Extra Benefits(Sub limit for all Extra Benefits (except 3.7) per Insured per Policy Year | RM 4 750(Reimbursement Basis) | RM 14 250(Reimbursement Basis) | RM 23 750(Reimbursement Basis) | RM 35 625(Reimbursement Basis) | RM 71 250(Reimbursement Basis) |
| 3.1 Physiotherapy | As Charged | ||||
| 3.2 Medical Aids | As Charged | ||||
| 3.3 Treatments performed by Complementary Medical Practitioners | As Charged | ||||
| 3.4 Preventive Care & Wellness Benefits | As Charged | ||||
| 3.5 Insured Child’s Daily Guardian Benefit | As Charged | ||||
| 3.6 Ambulance Fees | As Charged | ||||
| 3.7 Maternity Care and Delivery | As Charged [separate maximum of RM 28 500 (Reimbursement Basis)] | ||||
| No benefit shall be payable for any of the following services, products or conditions or injuries resulting from:- | |||
| Consequences of a voluntary or intentional act committed by the Insured or his / her dependant or consequences of hazardous competitions; | ||
| Consequences of insurrections or riots if by taking part the Insured or his / her dependant has broken the applicable laws; | ||
| Consequences of brawls, fights and all kinds of disturbances and measures taken to combat them, except in case of self-defence; | ||
| Consequences of the preparation of or participation in crimes or misdemeanours; | ||
| Consequences of drug-addiction and alcoholism; | ||
| Direct or indirect consequences of any action relating to what is commonly designated as “Nuclear Risk”. This exclusion is not applicable to medical radiations required by covered medical treatment; | ||
| Events related to bets or challenges; | ||
| Expenses resulting from any kind of competition with motor vehicles; | ||
| Flight risk: the insurance covers the use, as a passenger, of all planes, hydro-planes or helicopters duly authorised to transport persons, as long as the Insured is not a member of the crew and does not exercise in the course of the flight a professional or other activity, in relation with the plane or the flight; | ||
| Consequences of war or acts of war, and terrorism to the extent mentioned in the Policy Contract; | ||
| Dental treatment / care; | ||
| Vision care (Spectacles, frames, contact lenses), sunglasses and orthoptic treatment; | ||
| Treatment that is considered experimental / investigative according to accepted professional medical standards and treatment that is not medically indicated; | ||
| Psychiatric treatment; | ||
| Private nursing care or services provided by nursing home for purely recuperative purposes; | ||
| Non prescribed medical treatments; | ||
| Periodic preventive health examinations except those explicitly mentioned in the table of medical benefits; | ||
| Complementary (and or alternative) medical treatments other than those explicitly mentioned in the table of medical benefits; | ||
| Rejuvenation and spa-cures, cosmetic treatments and convalescent rest; | ||
| Facilities for the aged, primarily giving custodial, educational and rehabilitory care; | ||
| Expenses resulting from maternity and childbirth during the first ten (10) months after the individual inception date of cover; | ||
| Non prescribed drugs; | ||
| OTC (“over-the-counter”) medicines; lifestyle products, dietary products, vitamins, food supplements and food products, baby food, mineral waters, tonics, cosmetic products etc.; | ||
| Fertility treatments (IVF, ICSI, AI and all other similar treatments) as well as (in)fertility treatment investigation expenses; | ||
| Expenses related to sterilisation; | ||
| Contraceptive and birth control drugs, even if prescribed by a physician; | ||
| Costs related to abortion except in case of absolute medical necessity; | ||
| Cosmetic / aesthetic treatment except restorative treatment following accident; | ||
| Refractive error corrective eye surgery (keratectomy and keratotomy, including LASIK and LASEK procedures); | ||
| Remedial teaching; | ||
| Logopaedic treatment and speech therapy; | ||
| Elective caesarean delivery expenses; | ||
| Sex change operations and related treatment expenses Adapted from: https://www.ing.com.my/ICWNet/2.0/ing.application.web/ICWDefault/eb_port_iexpat_care.aspx | ||
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