MediGuard Premier

Because You Deserve The Best

With the rising cost of medical treatment, it’s best to be as holistically covered as possible against the unexpected. Kurnia mediGUARD Premier gives you the flexibility of having a medical card for hassle-free admission and discharge at our network of panel hospitals, or going without one and enjoying the freedom of choosing any hospital you want – just settle your bill upon discharge and submit the required documents to Kurnia Insurans for claims reimbursement for covered condition. Plus, you can also choose to be covered for a host of out-patient clinical benefits to further enhance your coverage! Think of Kurnia mediGUARD Premier as the trusted medical companion that’s with you all the way!

Are You Eligible?

Kurnia mediGUARD Premier is available to all Malaysians aged 19 to 65 years old. You have the option of renewing up to age 85 provided that you are enrolled before age 61.

Benefits at a Glance

Kurnia mediGUARD Premier comes with a comprehensive selection of benefits, including many invaluable optional ones. These benefits include:

Section A: Comprehensive Benefits

In-Hospital Benefits


Hospital Room & Board
Up to RM600 for a maximum of 365 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 365 days for 2 visits per day
  • Post-Hospitalisation Treatment within 60 days from date of discharge
  • Hospital Supplies & Services
  • Prescribe Medicines within 365 days during hospitalization 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 365 days


Medical Report
RM50 reimbursement


Second Surgical Opinions
Up to RM300


Special Benefits

Up to RM10,000 per lifetime benefit upon diagnosis


Home Nursing
Up to RM10,000


Health Screening
Health Screening Voucher in included


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 RM600,000


Personal Accident Benefits

Accidental Death
Up to RM50,000


Permanent Total Disablement Due to Accidental Injury
Up to RM50,000


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 Premier 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 RM525.02 per annum*


Without Medical Card
From RM472.79 per annum*


With Medical Card & Out-Patient Clinical Benefit Option
From RM840.90 per annum*


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


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