Kurnia MediGUARD Supreme Medical Card

Here's a quick guide for hospital admission.

• Call the 24-hour Liberty General Call Centre at 03-22632355 to request the location of the nearest Liberty General panel hospitals.
• Present your Medical Card at the admission counter.
• If the policy is in force and the condition is covered, a Guaranteed Letter will be sent. If not, a Letter of Decline will be issued.
• If successful, you may be required to pay a deposit, based on hospital requirements, before admission.
• For discharge processing, the Panel Hospital will prepare the Discharge Documentation to be processed by Liberty General Medical Insurance Department. A Payment Advice will be produced.
• You will be discharged upon settling incidentals or non-covered expenses.

If you admit to a non-Liberty General panel hospital, you are required to follow the reimbursement claim procedures as follow.

• If you choose to be admitted to a non-Liberty General Panel Hospital under Reimbursement Claims Procedures, you will need to send us a written notification within 30 days of admission.
• Complete Claims Documentation must be submitted within 30 days from the discharge date, consisting of the following:
  • Other Relevant Claims Documents
  • Completed Physician's Medical Report
  • Complete Claim Form
  • Original Itemized Bills & Receipts
  • For covered conditions, an offer letter and claims payment will be sent. Sometimes, a discharge voucher will be issued first on the amount payable without claims payment, if deemed necessary. Liberty General will only proceed to issue claims payment upon receipt of the signed discharge voucher.

Here’s the thing about life – no matter how well you prepare to succeed, how hard you work on something or how low you stay to avoid trouble, there’s always a chance that things won’t turn out the way you want. 

That’s what makes life beautiful and frightening at the same time. The worst thing you can do is to not have any preparation for it because when it comes to accidents or illnesses, it’s often not a question of “if” it will happen, but “when”.

What is Kurnia MediGUARD Supreme Medical Card about?

The MediGUARD Supreme provides comprehensive medical insurance protection until the age of 85 years old. 

Besides that, the additional benefits provided will also help provide you some relief when your loved ones are hospitalised due to an accident or illness. 

What are the benefits of this medical insurance?

As part of the “Enhanced Extended Benefits” of this medical insurance policy, in case you’ve been diagnosed with a Critical Illness, Kurnia MediGUARD Supreme will double the Overall Annual Limit in order to help you take care of hefty medical bills and cost of treatment.

If you have not made a claim during the year, you’ll also be rewarded with a 5% annual adjustment of your Overall Annual Limit, up to a maximum of 50% from your original Overall Annual Limit. 

This means that if you’re able to stay relatively healthy for 10 years, you’ll enjoy an additional 50% protection at no extra cost to you. You just need to pay the medical card annual premiums as per your policy book.

Also, while most other medical insurance plans on the market would usually cap the benefits for Outpatient Kidney Dialysis and Cancer Treatments, Kurnia MediGUARD Supreme removes these limits and sets them on par with the Overall Annual Limit, so you’ll be sure to have enough funds to cover your outpatient treatments.

Can I extend these benefits to my family members?

If two or more of your family members – including yourself – buys MediGUARD Supreme simultaneously, you get to enjoy up to 10% discount off your total annual premium. 

You and your family member can have policies of different tiers, but as long as it is under the MediGUARD Supreme policy, you are eligible for this discount.

Do I need to pay part of the medical bills if I am hospitalised?

Your hospital room and board fees will be paid in full by Kurnia.

However, if you choose to upgrade your room, or you’re hospitalised at a published room and board rate which is higher than your eligible benefits as stated in your policy book, you’ll have to bear 20% of the bills.

Fortunately, the wide range of plans offered by Kurnia MediGUARD Supreme medical card should be able to cater for most average and well-to-do Malaysians, with Hospital Room & Board benefits of up to RM1,000 per day for a maximum of 180 days. 

Admissions to Intensive Care Units will also be fully reimbursed up to 120 days.

How will I receive the payment for my Kurnia insurance claims?

After going through the necessary procedures for claims, Kurnia will make the claims payment by cheque to you, the policyholder, or to another party at your request, subject to approval from Kurnia.

Who is eligible to purchase Kurnia MediGUARD Supreme Medical Card?

Any Malaysian in good health, from 30 days to 60 years old is eligible to buy Kurnia MediGUARD Supreme medical card.