Hong Leong Assurance Major Medi Schedule of Benefit & Premium Tables

A lot of times when we sit down and have a relook at our insurance coverage, more often than not that the insurance policies that we bought years ago are insufficient to meet current needs, especially those hospitalization and surgical medical plans. In order to meet future inflation of medical costs, we are in need of a supplemental medical plan that will act as a top-up plan.

Hong Leong Assurance (HLA) Major Medi is an affordable and yet comprehensive medical plan that is designed to cover the cost of hospitalisation and surgical up to age 99 years old. HLA Major Medi medical card can be purchased either as a standalone medical card, attached as a rider to a traditional life policy, or as a rider attachable to investment-linked plan. HLA Major Medi medical card comes with the option of deductible of RM5,000, RM10,000 or RM15,000.

The unique features and advantages of HLA Major Medi medical card is listed as below:

1. Guaranteed renewal at the option of policy owner.
2. Higher annual and lifetime limit as compared to competitor.
3. No deductible for kidney dialysis and cancer treatment, i.e. treatment costs are fully borned by insurer.
4. Multiple levels of deductible available, depending on the choices and affordability of buyers.
5. A pretty comprehensive list of panel hospitals.

The disadvantages of this HLA Major Medi medical card are listed as follow:

1. Claims is based on reasonable & customary charges basis, as opposed to as charged basis.
2. ICU limited to 75 days per disability as opposed to no limit by competitor.
3. No automatic increase of annual limit as compared to competitor.

The only reason why HLA Major Medi is kept at very affordable premium is due to its deductible characteristic. You can always claim the first RM5,000/RM10,000/RM15,000 of your medical expenses using the medical plan provided by your employer or claim it out from your primary medical card, and the remaining sum of medical expenses, claim it from HLA Major Medi medical card

In the sections below, you will find the schedule of benefits, and premium tables for stand alone medical card, traditional rider and rider to investment-linked policy. There are four medical plans to choose from, depending on the overall annual limit.

HLA Major Medi Schedule of Benefits

HLA Major Medi Standalone Premium Table - 5K Deductible

HLA Major Medi Standalone Premium Table - 10K Deductible

HLA Major Medi Standalone Premium Table - 15K Deductible

HLA Major Medi Traditional Rider Premium Table - 5K Deductible

HLA Major Medi Traditional Rider Premium Table - 10K Deductible

HLA Major Medi Traditional Rider Premium Table - 15K Deductible

HLA Major Medi Investment-Linked Rider Premium Table - 5K Deductible

HLA Major Medi Investment-Linked Rider Premium Table - 10K Deductible

HLA Major Medi Investment-Linked Rider Premium Table - 15K Deductible

Disclaimer: The information published is for your reference only. Please refer to your insurance agent for the most up to date information.