MediGuard Lady

Tailor-Made for the Woman of Today

This one’s strictly for the women; a comprehensive protection plan that covers everything the feminine psyche needs, and wants. Enjoy coverage against female-specific illnesses, pregnancy complications and maternity mishaps with Kurnia mediGUARD Lady, which we’ve tailor-made for the modern woman. Choose to have a medical card for quick and easy admission and discharge at our panel hospitals, or go without one and enjoy the freedom of selecting your preferred hospital – settle the bill and send us the appropriate documents for claims reimbursement for covered condition. Plus, you also have optional out-patient clinical benefits at your disposal, so go ahead and get female-centric protection NOW.

Are You Eligible?

Kurnia mediGUARD Lady is open to women aged from 19 to 65 years old. Policyholders have the option of renewing up to age 65, while Kurnia Insurans has the discretion to renew policies up to age 70 for those who enrol before age 61.

Benefits at a Glance

Kurnia mediGUARD Lady gives women the peace of mind of knowing they’re covered against a host of conditions and can enjoy a wide range of benefits such as:

Section A: Comprehensive Benefits

In-Hospital Benefits


Hospital Room & Board
Up to RM600 for a maximum of 150 days


Intensive Care Unit
Full reimbursement up to 20 days


Medical & Surgical Procedures

Full Reimbursement for Medical & Surgical Procedures
These include:

  • Surgical Fees (including post-surgery care up to 60 days from date of surgery)
  • Operating Theatre & Anaesthetist Fees
  • Pre Hospital Diagnostic Tests & Specialist Consultation up to 31 days prior to admission
  • In-Hospital Physician Visits up to 150 days
  • Post-Hospitalisation Treatment within 60 days from date of discharge
  • Hospital Supplies & Services
  • Prescribed Medicines within 150 days during hospitalisation and 60 days after discharge
  • Ambulance Fees


Out-of-Hospital Benefits

Out-Patient Benefits

Annual Out-Patient Kidney Dialysis Treatment
Up to RM60,000


Annual Out-Patient Cancer Treatment
Up to RM60,000


Emergency Accidental & Dental Out-Patient Treatment
Full reimbursement; applies if treatment is sought within 24 hours and followed up within 31 days


Out-Patient Physiotherapy Treatment
Full reimbursement; within 60 days from discharge


Extended Benefits

Organ Transplant
Full reimbursement per lifetime limit


Daily Cash Allowance at Government Hospital
Up to RM100, maximum 150 days


Medical Report
RM50 reimbursement


Second Surgical Opinions
Up to RM150


Special Benefits

Up to RM10,000 per lifetime limit upon diagnosis


Home Nursing
Up to RM10,000


Female Cancer
Up to RM5,000 per lifetime limit


Accidental Facial / Dental Cosmetic
Up to RM10,000 per lifetime limit


Pregnancy Complications
Up to RM10,000


Maternity Death
Up to RM35,000


Overall Annual Limit
Up to RM150,000


Double Overall Annual Limit
Applies for accidental injury while travelling overseas; up to RM300,000


Major Medical
Up to RM35,000 per lifetime limit


Lifetime Limit
Up to RM450,000


Personal Accident Benefits

Accidental Death
Up to RM35,000


Permanent Total Disablement Due to Accidental Injury
Up to RM35,000


Bereavement Benefit on Accidental Death
Up to RM1,500


Section B: Optional Benefits

(This benefit is only offered if Section A is covered)


Out-Patient Clinical Benefits

Out-Patient GP Care
Covers consultation, medication and diagnostic tests (for accidental injury only) conducted at Physician’s office or clinic;
Panel Clinics: Co-Payment of RM5 is applicable per visit and cover unlimited visits per annum 
Non-Panel Clinics: Reimbursement of up to 80% of actual charges OR maximum RM20 per visit subject to Emergency basis only


Out-Patient Specialist Care
Covers consultation, medication and diagnostic tests (for accidental injury only) conducted at Physician’s office or clinic; Co-Payment of RM5 is applicable per visit and cover up to RM100 per visit (inclusive of co-payment) subject to referral by panel clinics only


Preventive Screening
For annual Pap Smear or Prostate-Specific Antigen; full reimbursement at panel GP clinics only


Overall Annual Limit


Lifetime Limit



Kurnia MediGuard Lady premiums are divided into three categories and vary according to the age of the Policyholder. The premium is applicable for standard health and physical status and decision to adjust the premium or impose certain restrictions on coverage or reject the application is subject to health declaration and findings of each individual.  In addition, loading may also be imposed based on height and weight of the insured person. All premiums are inclusive of 6% GST.


With Medical Card
From RM467.46 per annum*


Without Medical Card
From RM420.82 per annum*


With Medical Card & Out-Patient Clinical Benefit Option
From RM783.34 per annum*


* Based on applicant aged 19-25 as of next birthday

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