Annual limits, room & board, ICU and every benefit side by side, in one honest view. Toggle what matters to you and see the difference instantly.
Use the filter to focus on core hospital cover or add optional riders. Highlighted figures are our most popular tier.
| Benefit | Essential | Prestige Most popular | Sovereign |
|---|---|---|---|
| 01 Limits & entitlement | |||
| Annual limit | RM 100,000 | RM 1,000,000 | Unlimited |
| Lifetime limit | RM 500,000 | RM 3,000,000 | Unlimited |
| Room & board (per day) | RM 150 | RM 350 | Any room class |
| Intensive care (per day) | RM 300 | RM 700 | As charged |
| 02 Treatment & surgery | |||
| Surgeon & anaesthetist fees | As charged, within schedule | As charged, higher schedule | As charged |
| Operating theatre & medication | |||
| Day surgery | |||
| Pre-hospitalisation | 30 days | 60 days | 90 days |
| Post-hospitalisation | 60 days | 90 days | 180 days |
| Emergency accident (outpatient) | up to limit | up to limit | up to limit |
| Emergency ambulance | RM 500 / year | RM 1,000 / year | As charged |
| 03 Optional riders | |||
| Maternity benefit | Not available | Optional RM 8,000 | Optional RM 15,000 |
| Critical illness lump sum | Optional rider | Optional rider | Optional rider |
| Outpatient dental & optical | Not available | Optional RM 2,000 | Optional RM 3,500 |
| Annual health screening | Optional | Optional | |
| Overseas emergency treatment | Reimbursement basis | Worldwide assistance | |
| Home nursing care | Optional | Included | |
| Second medical opinion | |||
| 04 Service & access | |||
| Panel hospital network | 300+ hospitals | 500+ hospitals | 500+ & selected overseas |
| Claim concierge | Standard support | Priority support | Dedicated adviser |
| Cashless admission | Panel only | Panel + priority | Panel + worldwide |
| Indicative premium from | RM 68 / month | RM 148 / month | RM 320 / month |
Scroll the table horizontally to compare all columns.
Reliable core hospital cover with a friendly premium.
Superior limits and riders for the whole family.
Unlimited limits and worldwide emergency access.
Select the goals that describe you best we'll suggest where to start. Nothing is binding, and an adviser will confirm the details.
Tap the goals that matter most to you and we'll suggest the plan that fits your life and budget.
Confirm with a free consultationAge, dependants, existing conditions, current cover and budget. No assumptions just the facts that drive the right recommendation.
Sub-limits, waiting periods, co-payment and room entitlement the details that decide a claim, compared across insurers.
Our relationship begins at sign-up, not ends. We help with pre-authorisation, paperwork and follow-ups for the life of your policy.
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