Health is one of the most important aspects of our lives. When health is not at its best, not only could physical and emotional distress drain you out, but also financial worries. This is when Uni Medic & Uni Medic Plus comes in had to offer a complete medical coverage and ease the pain.
• Introduction to Uni Medic and Uni Medic Plus

Uni Medic & Uni Medic Plus are both hospital and surgical riders which offer hospitalization, surgical, medical, outpatient and cash benefits to the life assured. One can choose from a range of 4 plans from each product for a plan which best suit his/her needs. These two products are guaranteed renewable up to age 70. The benefits offered shall cease on the policy anniversary upon attaining age 71 or upon or upon claiming the maximum benefit, whichever benefit, whichever is earlier.

Both Uni Medic and Uni Medic Plus share the same benefits with the exception that Uni Medic Plus provides a “hassle – free” admission facility to the life assured, while Uni Medic is a “pay and file” admission.
Uni Medic Plus (‘Hassle – Free” Admission)
This rider offers a “Hassle – Free” Admission to the life assured. Below are the advantages to be enjoyed:
• Special arrangement will be made with most major hospitals and medical centers, in order to provide policyholder with greater convenience
• No admission deposit is required for all pre-authorized hospital admission (subject to terms and conditions).
• Dedicated hotline will be set – up to provide assistance to policyholders for their admission to hospital.
   
Uni Medic Plus (‘Hassle – Free” Admission)
This rider although offers the same benefits as Uni Medic Plus, operates a “Pay & File” Admission whereby the policyholder will pay for the hospital bill first, and then reimburse from the Company.

Uni Medic and Uni Medic Plus are guaranteed renewable riders 

Who is eligible to apply?
Age of Entry
Minimum age of entry :30 days old
Minimum age of entry :60 years old
Maximum age for renewal :70 years old (nearest birthday)
   
   
Uni Medic Plus (“Hassle – Free” Admission)
Uni Medic (“Pay & File” Admission)
   
• Premium rate is based on the age of life assured. There is no differentiation in rates for females and non – smokers.
• The premium rate will increase accordingly upon the life assured reaching a next higher age group.
• The above premiums rates are only applicable to standard lives.
• Extra premium may be charged for adverse or medical attributes or for any unusual occupational or territorial exposures.
• The premium rates for both Uni Medic and Uni Medic Plus are NOT GUARANTEED, and are subject to change depending on the company’s claims experience.
   
The Policy Owner, within 15 days of the receipt of this policy contract, may cancel the policy by returning the policy contract to the Company. The Company shall refund any premium paid under this Policy. Any medical fees incurred by the Company will be deducted from the premium.
   
• Definition of Benefits in Uni Medic & Uni Medic Plus
 
i) Hospital Room & Board.
  Reimbursement of the Reasonable and Customary Charges Medically Necessary for room accommodation and meals. The amount of the befit shall be equal to the actual charges made by the Hospital during the Life Assured’s confinement, but in no event shall the benefit exceeded, for any one day, the rate of Room and Board Benefit, and the maximum number of days as stated in the Schedule of Benefits. The Life Assured will only be entitled to this benefit while confined to a Hospital as an inpatient.
   
ii) Intensive Care Unit
  Reimbursement of reasonable and Customary Charges Medically Necessary for actual room and board incurred during confinement as an inpatient in the Intensive Care Unit of the Hospital. This benefit shall be payable equal to the actual charges made by the Hospital subject to the maximum benefit for any one day, and maximum number of days, as stated in the Schedule of Benefits. Where the period of confinement in an Intensive Care Unit exceeds the maximum stated in the Schedule of Benefits, reimbursement will be restricted to the standard Daily Hospital Room and Board Rate.

This benefit is subject to the Co – insurance.

No Hospital Room and Board Benefits shall be paid for the same confinement period where the Daily Intensive Care Unit Benefits is payable.
   
iii) Hospital Supplies & Services
  Reimbursement of the Reasonable and Customary Charges actually incurred for Medically Necessary general nursing, prescribed and consumed drugs and medicines, dressings, splints, plaster casts, X – tray, laboratory examinations, electrocardiograms, physiotheraphy, basal metabolism teats, intravenous injections and solutions, administration of blood and blood plasma but excluding the cost of blood and plasma whilst the Life Assured is confined as an inpatient in a Hospital, up to the amount stated in the Schedule of Benefits.

This benefit is subject to the Co – insurance.
   
i) Surgical Fees
  Reimbursement of the Reasonable and Customary Charges for a Medically Necessary surgery by the Specialists, including pre – surgical assessment, Specialist’s visits to the Life Assured and post – surgery care up to the maximum number of days from the date of surgery, but within the maximum indicated in the Schedule of Benefits. If more than one surgery is performed for Any One Disability, the total payments for all of the surgeries performed shall not exceed the maximum stated in the Schedule of Benefits.

This benefit is subject to the Co – insurance.
   
ii) Anesthesist Fees
  Reimbursement of the Reasonable and Customary Charges by the Anesthetist for the Medically Necessary administration of the anesthesia not excedding the limits as set forth in the Schedule of Benefits.

This benefit is subject to the Co – insurance.
   
iii) Operating Theater
  Reimburses Operating Room charges incidental to the surgical procedure.

This benefit is subject to the Co – insurance.
   
i) Pre – Hospital Diagnostic Tests
  Reimbursement of the Reasonable and Customary Charges for a Medically Necessary ECG, X – ray and laboratory tests which are performed for diagnostic purposes on account of an injury or illness when in connection with a Disability preceding hospitalisation within the maximum number of days and amount as stated in the Schedule of Benefits in a Hospital and which are recommended by a qualified medical practitioner. No payment shall be made if upon such diagnostic service, the Life Assured does not result in hospital confinement for the treatment of the medical condition diagnosed. Medications and consultation charged by the medical practitioner will not be payable.

This benefit is subject to the Co – insurance.
   
ii) Pre – Hospital Specialist Consultation
  Reimbursement of the Reasonable and Customary Charges for the first time consultation by a Specialist in connection with a Disability within the maximum number of days as set forth in the Schedule of Benefits preceding confinement in a Hospital and provided that such consultation is Medically Necessary and has been recommended in writing by the attending general practitioner.

Payment will not be made for clinical treatment (including medications and subsequent consultation after the illness is diagnosed) or where the Life Assured does not result in hospital confinement for the treatment of the medical condition diagnosed.

This benefit is subject to the Co – insurance.
   
iii) In – Hospital Physician Visit
  Reimbursement of the Reasonable and Customary Charges by a Physician for Medically Necessary visiting a in-paying patient while confined for a non-surgical disability not exceeding the maximum number of days as stated in the Schedule of Benefits.

This benefit is subject to the Co – insurance.
   
iv) Post – Hospitalization Treatment
  Reimbursement of the Reasonable and Customary Charges incurred in Medically Necessary follow-up treatment by the same attending Physician, within the maximum number of days and amount as stated in the Schedule of Benefits immediately following discharge from Hospital for a non-surgical disability. This shall include medicines prescribed during the follow-up treatment but shall not exceed the supply needed for – the maximum number of days as stated in the Schedule of Benefits.

This benefit is subject to the Co – insurance.
   
i) Emergency Accidental Outpatient Treatment
  Reimbursement of the Reasonable and Customary Charges incurred for up to the maximum stated in the Schedule of Benefits, as a result of a covered bodily injury arising from an Accident for Medical Necessary treatment as an outpatient at any registered clinic or hospital within 24 hours of the Accident causing the covered bodily injury. Follow up treatment by the same doctor or same registered clinic or Hospital for the same covered bodily injury will be provided up to the maximum amount and the maximum number of days as stated in the Schedule of Benefits.

This benefit is subject to the Co – insurance.
   
ii) Emergency Accidental Dental Treatment
  If as a result of an accident pain relieving dental treatment for sound natural teeth is required, the Company will reimburse charges up to overall annual limit as stated in the Schedule of Benefits.

This benefit is subject to the Co – insurance.
   
iii) Home Nursing Care
  An amount equal to the Reasonable and Customary Charges made by the Hospital or clinic, payable only if the care is provided under an established and periodically reviewed service within seven (7) days from Hospital discharge subject to a minimum of three (3) days Hospitalization. The benefit payable shall not exceed the maximum stated for the Plan in respect of any one disability.

Home Nursing Care provided under this rider includes:
 
a) Physical, occupational or speech therapies by a registered therapist; and/or
b) Part-time or intermittent nursing care provided under the supervision of a registered nurse, or of a house health aide; and/or
c) Medical social services provided under the direct supervision of a medical practitioner.
   
  This benefit is subject to the Co – insurance.
   
iv) Day Surgery & Day Care Benefits
  A patient who needs the use of a recovery facility for a surgical procedure on a pre-plan basis at the hospital/specialist clinic (but not for overnight stay).

The Company shall reimburse the amount actually charged for any surgical procedures performed during a day surgery as defined in this Supplementary Contract. Reimbursement of hospital charges will be made in respect in all charges for services rendered by the hospital if confinement is least 3 hours.

This benefit is subject to the Co – insurance.
   
v) Ambulance Fees
  Reimbursement of the Reasonable and Customary Charges incurred for necessary domestic ambulance services (inclusive of attendant) to and/or from the Hospital of confinement. Payment will not be made if the Life Assured is not hospitalized and subject to the limits stated in the Schedule of Benefits.

This benefit is subject to the Co – insurance.
   
i) Outpatient Kidney Dialysis Treatment
  If a Life Assured is diagnosed with Kidney Failure as defined below, the Company will reimburse the Reasonable and Customary Charges incurred for the Medically Necessary treatment of kidney dialysis performed at a legally registered dialysis centre subject to the limit of this disability as specified in the Schedule of Benefits.

Such treatment (dialysis excluding consultation, examination tests, take home drugs) must be received at the outpatient department of a Hospital or a registered dialysis treatment centre immediately following discharge from Hospital confinement or surgery.

Kidney Failure means end stage renal failure presenting as chronic, irreversible failure of both kidneys to function as a result of which renal dialysis is initiated.

It is a specific condition of this Benefit that notwithstanding the exclusion of preexisting conditions, this Benefit will not be payable for any Life Assured who has developed chronic renal diseases and/or is receiving dialysis treatment prior to the effective date of this Supplementary Contract.
   
ii) Outpatient Cancer Treatment
  If a Life Assured is diagnosed with Cancer as defined below, the Company will reimburse the Reasonable and Customary Charges incurred for the Medically Necessary treatment of cancer performed at a legally registered cancer treatment centre subject to the limit of this disability as specified in the Schedule of Benefits.

Such treatment (radiotherapy or chemotherapy excluding consultation, examination tests, take home drugs) must be received at the outpatient department of a Hospital or a registered dialysis treatment centre immediately following discharge from Hospital confinement or surgery.

Cancer is defined as the uncontrollable growth and spread of malignant cells and the invasion and destruction of normal tissue for which major interventionist treatment or surgery (excluding endoscopic procedures alone) is considered necessary. The cancer must be confirmed by histological evidence of malignancy. The following conditions are excluded:
 
1) Carcinoma in situ including of the cervix;
2) Ductal Carcinoma in situ of the breast;
3) Papillary Carcinoma of the bladder & Stage 1 Prostate Cancer;
4) All skin cancers except malignant melanoma;
5) Stage 1 Hodgkin’s disease;
6) Tumours manifesting as complications of AIDS.
   
  It is a specific condition of this Benefit that notwithstanding the exclusion of preexisting conditions, this Benefit will not be payable for any Life Assured who had been diagnosed as a cancer patient and/or is receiving cancer treatment prior to the effective date of this Supplementary Contract.
   
  Reimburses Reasonable and Customary Charges incurred on transplantation surgery for the Life Assured being the recipient of the transplant of a kidney, heart, lung, liver or bone marrow. Payment for this Benefit is applicable only once per lifetime whilst the policy is in force and shall be subject to the limit as stated in the Schedule of Benefits. The costs of acquisition of the organs and all costs incurred by the donors are not covered.
   
i) Government Hospital Daily Cash Allowance
  Pays a daily allowance for each day of confinement for a covered Disability in a Malaysian Government Hospital, provided that the Life Assured shall confine to a Room and Board rate that does not exceed the amount shown in the Schedule of Benefits.
   
ii) Life Assured Child’s Daily Guardian Allowance
  Reimburses (up to a stipulated limits stated in the Schedule of Benefits the expenses for meals and lodging incurred to accompany Life Assured Child (aged below fifteen (15) years) in the hospital up to the maximum number of days in the Schedule of Benefits.
   
iii) Hospital Cash Benefit
  Life Assured is entitled to a one time lump sum hospital cash benefit payment per disability, to cover any incidental out-of-pocket expenses.
   
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