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| Beneficial Life Agency |
| Service. Value. Protection. |
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| underwritten by |
| Already have your own health plan? Or perhaps your company have insured you? |
| Key Advantages |
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| With medical inflation rising annually by 15%, is your present health policy enough? What if you leave employment tomorrow? Will you still have any medical coverage? What about your post retirement health plan? Will you be able to afford medical care then? |
| Now you have the option to top-up your existing health coverage to a higher amount with I.MaxCARE health plan. I.Max Care is ideal as a second layer medical coverage that allows you to increase your protection at really low cost. |
| How I.MaxCARE works |
| As a second layer or top-up medical plan, I.MaxCare carries a self-insured deductible amount per disability of Rm 20,000 if you are below the age of 54. This means that you will have to bear the first Rm 20,000 of any hospital bills. Any amount exceeding Rm 20,000 will be claimable from your I.MaxCARE plan. After age 55, the amount of self-insured deductible is greatly reduced to Rm 4,000. |
| Perfect Solution |
| Comprehensive medical coverage |
| Policy renewal up to 79 years of age |
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| Special Outpatient Benefits: Home Nursing, Outpatient Kidney Dialysis & Outpatient Cancer Treatment |
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| Comprehensive Hospital & Surgical Coverage |
| Schedule of Benefits |
| 1. In-Hospital Care |
| 1.1 Hospital Room & Board |
| (i) Ordinary Room (daily limit up to maximum of 180 days per Disability) |
| (ii) Intensive Car Unit (daily limit up to maximum of 100 days per Disability) |
| 1.2 Hospital Supplies and Services |
| 1.3 Surgical Fees |
| 1.4 Anaesthetic Fees |
| 1.5 Operating Theatre Charges |
| 1.6 In-hospital Physician Visit (daily limit up to maximum of 180 days per Disability) |
| 1.7 Hospital Service Tax |
| 2. Ambulatory Care |
| 260 |
| 180 |
| 120 |
| Elite (RM) |
| Supreme (RM) |
| Classic (RM) |
| Any Hospital |
| 500 |
| 500 |
| 500 |
| As charged |
| 5% |
| 5% |
| 5% |
| 2.1 Pre-Hospital Diagnostic Tests (maximum 60 days) |
| 2.2 Pre-Hospital Specialist Consultation (within maximum 60 days) |
| 2.3 Second Surgical Opinion |
| 2.4 Post Hospitalization Treatment (within maximum 45 days per Disability) |
| 2.5 Daycare Procedure |
| 2.6 Ambulance Fees |
| 2.7 Medical Report Fee |
| As charged |
| 3. Organ Transplant |
| 3.1 Heart, Kidney, Lung, Liver or Bone Marrow (once per lifetime) |
| 50,00 |
| 30,000 |
| 100,000 |
| 4. Outpatient Benefits |
| 4.1 Home nursing care (maximum 60 days) |
| 4.2 Outpatient Kidney Dialysis Treatment (per annual limit) |
| 4.3 Outpatient Cancer Treatment (per annual limit) |
| 5. Other Benefits |
| 5.1 Daily cash allowance at Government Hospital (maximum 150 days) |
| Overall Limit (maximum per annum) |
| Lifetime Limit |
| As charged |
| 15,000 |
| 25,000 |
| 40,000 |
| 80,000 |
| 30,000 |
| 50,000 |
| 120 |
| 100 |
| 50 |
| 500,000 |
| 300,000 |
| 150,000 |
| 1,500,000 |
| 450,000 |
| 900,000 |
| Self-Insured Deductible Amount Per Disability |
| Elite (RM) |
| Supreme (RM) |
| Classic (RM) |
| At age 54 years and below |
| At age 55 years and above |
| 20,000 |
| 4,000 |
| Note : The self-insured deductible amount is the monetary amount of covered expenses that must be incurred and paid by the Policy Owner / Insured during each hospitalization for each Disability before the benefits are payable by the Insurer. The Policy Owner / Insured is required to settle the hospital bill upon discharge and submit the bill for reimbursement. |
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| I.MaxCARE |
| If you like to know more, please give us a call at : 012-286 0363, 012-202 8807, or e-mail us at benlife@gmail.com |
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| Critical Illness |
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