Insurance Plan International Student
Group Insurance / Takaful and Medical Plan for International Student
| SCOPE OF BENEFITS | INTERNATIONAL STUDENT ONLY | |
|---|---|---|
| CATEGORY 1 : PERSONAL ACCIDENT & DEATH | SUM COVERED | |
| GROUP TERM TAKAFUL ("GTT") AND GROUP PERSONAL ACCIDENT ("GPA") | ||
| 1. | Death (Natural Cause/ Sickness) Death (Accidental Causes) | RM10,000.00 RM20,000.00 |
| 2. | Total Permanent Disablement (Natural Cause/ Sickness) Total Permanent Disablement due to Accidental Causes inclusive of all types of physical injury- as per table of benefits | RM10,000.00 RM20,000.00 |
| 3. |
Partial Permanent Disablement due to Accidental Causes
Maximum inclusive of all types of physical injury cause by accident- as per PPD table of benefit |
RM20,000.00 |
| CATEGORY 2 : IN-PATIENT (HOSPITALIZATION) SERVICES | RM | |
|---|---|---|
| GROUP HOSPITAL AND SURGICAL ("GHS") Third Party Administrator : Etiqa Health Care Hospital Benefits, Fees and Services | ||
| 1. | Room & Board per day Ordinary (up to 120 days in Private Hospital / Government Hospital) | RM150.00 |
| 2. | Incentive Care Unit (daily maximum up to 30 days) | as charged |
| 3. | Hospital Supplies and Miscellaneous Services | as charged |
| 4. | Surgical Fees | as charged |
| 5. | Anaesthetic Fees | as charged |
| 6. | Operating Theatre Fees | as charged |
| 7. | In-Hospital Physician (daily maximum up to 120 days) | as charged |
| 8. | Pre-Surgical / Medical Diagnostic Services (Follow-up within 60 days prior to admission) | as charged |
| 9. | Pre-Surgical/ Medical Specialist Consultation (Follow-up within 60 days prior to admission) | as charged |
| 10. | Second Surgical Opinion | as charged |
| 11. | Post Hospitalisation Treatment (within 60 days of discharge) | as charged |
| 12. | Ambulance Services Fees (Private ambulance or Inhouse ambulance) | RM250.00 |
| 13. | Claim/Reimbursement Medical Report Fee | RM120.00 |
| 14. | Government Hospital Cash Benefit Allowance (up to a maximum of 120 days) | RM100.00 |
| CATEGORY 3 : EMERGENCY OUT-PATIENT SERVICES (PAY AND CLAIM BASIS) | RM | |
|---|---|---|
| 1. | Emergency Outpatient Accidental Treatment (maximum per case) (Inclusive follow-up treatment within 14 days of first treatment) | RM2,500.00 |
| 2. | Emergency Outpatient Dental Treatment (Accidental Cause) | as charged |
| 3. | Emergency Outpatient Sickness Treatment - (visits between 9.00 pm to 7.00 am only) | RM100.00 |
| OVERALL ANNUAL LIMIT FOR CATEGORY 2 & 3 | RM15,000.00 |
|---|
| CATEGORY 4 - GP OUT-PATIENT SERVICES (CLINICS AND HOSPITAL) | RM | |
|---|---|---|
| 1. | Outpatient Benefits for Accidental Treatment - GPA Policy (Reimbursement Basis) i) Routine Consultation, Medication, Injection ii) Other related expenses | subject to annual limit of RM1,000.00 |
| 2. | Outpatient Benefits for Sickness Treatment at any hospital and clinics - (Reimbursement Basis) i) Routine Consultation, Medication, Injection ii) Other related expenses | subject to annual limit of RM500.00 |
| CATEGORY 5 : FUNERAL / REPATRIATON EXPENSES | RM | |
|---|---|---|
| 1. | Funeral Expenses - All causes | RM1,000.00 |
| 2. | Repatriation Expenses - All causes Repatriation Expenses is inclusive of other necessary cost incurred such as a) Repatriation Allowance b) Place of Interment c) Cremation or Funeral Ceremony in Malaysia d) Transportation | RM1,000.00 RM6,000.00 |
IMPORTANT NOTE:
1. Group Hospital & Surgical Coverage includes 24/7 Third Party Administration Service by Etiqa Healthcare to manage hospital admission and discharge.
2. Eligible age between 16 to 65 years old, age next birthday.
3. The Maximum limit for “Repatriation and Funeral Expenses” is RM7,000.00.
4. The above coverage is subjected to Etiqa policy terms, conditions and exclusions as specified in the policy contract and arrangement made between Etiqa Takaful and Universiti Pendidikan Sultan Idris.
WAIVER CLAUSES FOR GROUP HOSPITAL & SURGICAL PLAN:
5. Waiver on 30 days waiting period for new and existing member
6. Pre-existing illnesses condition waived for new and existing member.
7. Specified illnesses condition waived for new and existing member.
8. Waiver of 20% co-payment due to upgraded room and board.
ADDITIONAL BENEFITS / SERVICES:
1. Advances for Repatriation/ Funeral Services Expenses
The appointment of repatriation agent can be arranged by Etiqa Agency at no cost to University.
Etiqa Agency also agreed to advance the full amount of cost incurred to repatriate the deceased body back to their home country.
Scope of job for Repatriation Agent
The repatriation agent appointed will be responsible to handle all the processes until the mortal remain arrive safely in their home country
- To deal with the Embassy and Hospital in securing release of remains.
- To ensure all medical procedures, morgue procedures and registering death documents with the authority are completely done.
To provide all the necessary transportation arrangement including booking of flight.
2. Cardless Medical Care and 24/7 HealthCare Call Centre
Student can visit hospitals without the need for a physical medical card. Just present the passport and the hospital will verify with Etiqa HealthCare Call Centre.
Etiqa also provide 24 hours health call centre (1800 88 9998) for hospital admission/discharged assistance and other related service in case the member is not able login Etiqa+ App.
3. Cashless Medical Care / Guarantee Letter
Guarantee Letter (GL) is provided for admission without payment at panel hospitals nationwide with just one phone call to our 24/7 hotline above.
GL also can be issued for admission in Government Hospital nationwide. Please click link [ ] for government hospital guide.
4. Etiqa+ App
App which empowers employee or students via self-service functionality such as Guarantee Letter & real-time certificate information viewing, anywhere and anytime.
HEALTHCARE FEATURES;
- View Policy Detail (Room & Board Rate)
- Panel Hospital Search
- View Guarantee Letter
- View and Submit Claim
- Hospital Admission Guide
- View Hospital balance limit
For Etiqa+ App Download Guides, please click this link [Etiqa+ App Download Guide].
5. Coverage for Dependents (Spouse/Children/Parent) for Visa Purposes
Immigration Department of Malaysia has imposed a compulsory requirement to have insurance policy for renewal of dependent visa.
Therefore, the student can contact us directly at 012-6144 052 to purchase the insurance policy either with medical/hospital coverage or just Personal Accident coverage only.
