MediGuard Senior

Designed to Enhance Your Golden Years

Your golden years should be the best times of your life. To help you keep enjoying your much deserved retirement, we’ve created Kurnia MediGuard Senior, a comprehensive plan designed to cover you against medical emergencies at the age you may need it most. With a medical card, you can experience hassle-free admission and discharge at our trusted network of panel hospitals. You can also choose not to have one, and instead enjoy the freedom of getting treatment at a hospital of your choice – just settle your bill upon discharge and submit the required documents to Kurnia Insurans for claims reimbursement for covered condition. There are also a host of optional out-patient clinical benefits available for even more peace of mind. Get Kurnia MediGuard Senior now to enhance your golden years.

Are You Eligible?

You can enrol for Kurnia mediGUARD Senior from age 56 to 65. Policyholders have the option of renewing up to age 75, while Kurnia Insurans has the discretion to renew policies up to age 80 for those who enrol before age 61.

Benefits at a Glance

Kurnia mediGUARD Senior is geared towards enhancing your golden years with a range of benefits including:

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


Insured Daily Guardian Benefit
For guardians of insured Seniors aged 56 years and above; up to RM50 per day to a maximum of 150 days


Medical Report
RM50 reimbursement


Second Surgical Opinions
Up to RM150


Special Benefits

Home Nursing
Up to RM10,000


Geriatric Benefit
Up to RM5,000 per lifetime limit


Overall Annual Limit
Up to RM150,000


Major Medical
Up to RM35,000 per lifetime limit


Lifetime Limit
Up to RM450,000


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 Senior 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 RM1,072.72 per annum*


Without Medical Card
From RM965.66 per annum*


With Medical Card & Out-Patient Clinical Benefit Option
From RM1,388.60 per annum*


* Based on applicant aged 56-60 as off next birthday

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