eMedic Plus FAQs
What is eMedic Plus?

eMedic Plus is a yearly renewable Medical insurance plan that pays for your hospital bills. If you are admitted to a hospital, eMedic Plus will cover you.
What illness does eMedic Plus cover?

eMedic Plus covers almost any illness, disease, medical condition or accident as long as it requires hospitalisation
What hospitalisation services are covered?

eMedic Plus covers the following hospital admission and medical expenses:
Hospital room and board
Intensive Care Unit (ICU)
Hospital supplies and services
Surgical fees
Prescription medicines
Ambulance fees
Daycare surgical procedures
Consultation and diagnostics procedures before hospitalisation
Post hospitalisation care and physiotherapy
For the full coverage list, please refer to the eMedic Plus fact sheet, Product Disclosure Sheet and Policy Contract.
What is the Room & Board limit?

eMedic Plus provides coverage for Hospital Room & Board of up to RM250 per day. If you choose a room higher than RM250, you just need to pay the difference.
There is no limit on the number of days for Hospital Room & Board accommodation, up to the Annual Limit of your chosen comprehensive medical plan.

What is Annual Limit?
Annual Limit is the maximum amount that eMedic Plus will cover for your hospitalisation bills in one year.

Is there a waiting period before coverage begins?
eMedicPlus benefits start immediately, including accidents. However, some conditions or treatments may have a waiting period:
• Accidents: Coverage begins from day one.
• Common Illnesses: 30 days (e.g. flu, mild infections).
• Specified Illnesses: 120 days (e.g. heart disease, tumors, diabetes complications).
Always check your policy and declare your health history accurately.

Does the plan adjust for rising medical costs?
Yes. eMedic Plus includes Inflation Defender, which increases your Annual Limit by 10% every five years, up to a total of 150% of your initial limit, at no extra cost, helping you keep pace with medical inflation in Malaysia.