HLA MediShield III

HLA MediShield III is suitable for people who is looking for full medical coverage with stable price for the whole life. It comes with high annual limit, unlimited lifetime limit, optional deductible and no coinsurance.

Eligibility

Malaysian, Permanent Resident of Malaysia and Foreigner with valid working permit

# of Panel Hospitals

127

Maximum age of entry

30 days

Maximum age of renewal

99 age

No Guaranteed Renewal

No Co-Insurance

Coinsurance is the percentage amount paid out of pocket by you before and insurance provider will pay any expenses. If the medical bill is RM100,000, coinsurance is 10%, you have to pay the first 10%, that is RM10,000 out of the total medical bill and the insurance provider will pay RM90,000.

No Deductibles Apply

Deductible is the fixed amount paid out of pocket by you before an insurance provider will pay any expenses. If the medical bill is RM100,000, deductible is RM1000, you have to pay the first RM1000 out of the total medical bill and the insurance provider will pay RM99,000.

Calculation Table

Price shown depends on Insured’s age at their next birthday.

Age:

Male Female

Benefits	MSIII 200	MSIII 300	MSIII 500
Annual Premium	/y	/y	/y
Room & Board	-	-	-
Daily Allowance	-	-	-
Pre-Hospitalisation	-	-	-
Hospitalisation	-	-	-
Surgery	-	-	-
Post-Hospitalisation	-	-	-
Outpatient Physiotherapy Treatment	-	-	-
Outpatient MRI/PET scan	-	-	-
Outpatient dengue & zika	-	-	-
Outpatient Cancer Treatment	-	-	-
Outpatient Kidney Dialysis Treatment	-	-	-
Accidental Benefits	-	-	-
Deductible per Disability	-	-	-
Overall Annual Limit	No Limit	No Limit	No Limit
Lifetime Limit	No Limit	No Limit	No Limit
Critical Illness Coverage	-	-	-
Waiver Rider	-	-	-
Coinsurance	-	-	-
Deductible	-	-	-