Frequently Asked Questions (FAQ)

Q1. Who is eligible for MediSavers Membership Program?
A1. Anyone accepted by the Company aged from 30 days and up to 70 years old next birthday.

Q2. How do I enrol for MediSavers Membership Program?
A2. Just complete the Application Form, Insurance Proposal Form and Payment Option Form and send it to Level 8 @ MXM International or any of our branches. Detail locations can be obtained here.Contact Us

Q3. How much do I need to pay for this Program?
A3. The program fee is determined by your age. The premium may increase due to health condition and occupation class. All applications are subject to underwriting.
Program fee can be paid:
a) Monthly installments via Credit Card from participating banks
b) Full Payment via any Visa/Master Credit Card
c) Full payment via Cheque issued to: Pathlab Health Management (M) Sdn Bhd
d) Full Payment via Direct Bank in
e) Monthly Standing Instruction via saving or current accounts with participating banks.
Please refer to the Payment Option Form for more detail of information.

Q4. What if you do not have Credit Card, Debit Card or Cheque?
A4.If you do not have Credit Card, Debit Card or Cheque, we do allow you to get a 3rd party to make the payment authorization on your behalf.

Q5. Is program fee fixed?
A5. NO.
i) Upon renewal, the program fee will depend on the age.
ii) The Insurance Premium for overall portfolio will subject to price revision every few years to cater for MALAYSIA MEDICAL INFLATION.

Q6. Is the cover applicable oversea?
A6.YES. The arrangement can be made based on the following scenarios:
(i) An Insured Person travelling abroad, for a reason other than for medical treatment, needs to be confined to a Hospital outside Malaysia as a consequence of a Medical Emergency.
(ii) An Insured Person, upon recommendation of a Physician and has to be transferred to a Hospital outside Malaysia because the specialised nature of the treatment, aid, information or decision required can neither be rendered nor furnished nor taken in Malaysia.
Overseas treatment of a disease, sickness or injury which is diagnosed in Malaysia and non-emergency or chronic conditions where treatment can reasonably be postponed until returning to Malaysia are excluded.

Q7. What are Pre-Existing Illnesses?
A7.Pre-Existing Illnesses shall mean disabilities that the Insured Person has reasonable knowledge of. An Insured Person may be considered to have reasonable knowledge of a pre-existing condition where the condition is one for which:
• The Insured Person had received or is receiving treatment;
• Medical advice, diagnosis, care or treatment has been recommended;
• Clear and distinct symptoms are or were evident; or
• Its existence would have been apparent to a reasonable person in the circumstances.

Q8. Is there a waiting period?
A8. YES. Eligibility for benefits starts 30 days after the Insured has been included in the Policy, except for a covered Accident occurring after the effective date of the coverage.

Q9. Do I need to have a medical examination?
A9. NO. However, you are required to declare your medical history (if any) and reports may be required based on the declaration.

Q10. What’s the procedure for admission to hospital?
A10.It involves a very simple process! All you need to do is to call Asia Assistance Network (AAN) number behind your membership card and verify your policy / I/C number with AAN before admission (deposit may be required). After verification, AAN will deal with the hospital on the admission.

Q11. Am I required to pay a cash deposit upon admission?
A11. YES. Most of the hospitals in Malaysia has policy that requires a cash deposit upon admission. It is refundable upon discharge from hospital after deducting non-coverable items (if any).

Q12. Can a foreigner enroll in this program?
A12. Yes. Based on Local Treatment Clause, if the Insured Person is a non-Malaysian, the coverage and benefits provided shall be restricted to treatment in Malaysia only.

Q13. What is the difference between your program with those from other companies?
A13. We offer a Complete Healthcare Protection Program to all our members with benefits that include:
a) Annual Health Screening for as long as the policy is renewed
b) Hospitalization & Surgical Insurance
c) Personal Accident Insurance
d) Hospital Cash Income
e) High Room & Board limit
f) Over 100 private panel hospitals
g) 24-Hour Worldwide Protection & Emergency Assistance

Q14. Will I receive any return or bonus at some point of my membership?
A14. No. The MediSavers program is a health and medical program. It has no cash value and therefore will not yield any return or bonus.

Q15. What I will receive, if my application is approved?
A15. You will receive the following items:
a) MediSavers Welcome Pack inclusive of program membership card
b) Pathlab Health Screening Voucher (Not applicable to members aged 30days – 18 years old)
c) Official receipt.
d) Medical Plan Policy sent directly from Insurance company consisting of your policy jacket and official tax invoice indicating the insurance premium (Please note that the insurance benefits and premium rate of this Medical Plan is offered exclusively to the customers of Pathlab group of companies / associates and is not made available in the open market. This is a direct arrangement between the Insurance companies. and the corporate agent, Pathlab Health Management (M) Sdn. Bhd.)

Q16. What is the refund policy if I intend to cancel the Membership?
A16. Any cancellation of the Membership in the Program is strictly not allowed after the Cooling Off Period of ten (10) working days from the date of receipt by the Company and the Company shall not be liable to refund any portion of the Membership Fee.


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