Top Medical Insurance Agency Malaysia
Medical insurance with NCD and Cost Saving Options
Medical insurance up to RM 3,000,000 annual limit from RM 200/month
- Latest medical card in Malaysia
- No Claim Discount that offers fair pricing
- Smart-deductible options with affordable pricing
Get your quote now
Coverage
What Your Medical Card Covers
Annual Limit
Coverage of up to RM 3,000,000 every year for your hospitalisation and treatment.
Lifetime Limit
Unlimited lifetime coverage — your protection never runs out over the years.
No Claim Discount
Get 20% NCD the moment you sign up and enjoy it as long as you have no claims.
Flexible Options
Choose a flexible co-payment or deductible option to lower your premium your way.
Save Over RM 100,000 on Your Insurance Premiums
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Flexible Deductibles
Choose deductible options of RM 5k, RM 10k, or RM 30k to suit your financial comfort.
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Pay Only When Needed
You only need to pay the deductible amount during hospitalisation.
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Keep Your Money
If you stay healthy, you keep more of your hard-earned money.
*Illustrative figures only. Actual premiums vary based on age and underwriting.
Why You Need One Now
Malaysia's Medical Costs Are Rising — Fast
Medical inflation in Malaysia is running at 15% per year — well above the Asia-Pacific average of 10%. A single ICU stay can cost RM 30,000–RM 100,000. A cancer treatment course can exceed RM 200,000.
Without a medical card, these bills come directly out of your savings. With one, your insurer settles the hospital directly — or reimburses you after treatment.
Flexible Plans
Choose How You Want to Pay
Two ways to reduce your monthly premium without losing protection.
Co-payment Plan
You pay 5% or 15% of each bill — the insurer covers the rest. In return, your monthly premium is lower, and a No Claim Discount (NCD) applies for claim-free years.
Best for: individuals who want affordable premiums with predictable out-of-pocket costs.
Deductible Plan
You pay a fixed amount per hospitalisation (RM 5,000, RM 10,000, or RM 30,000) — the insurer covers everything above that. Save up to 60% on your monthly premium.
Best for: retirees or those with savings who want to minimise ongoing premium costs.
Why Team Medical Card
We Don't Just Sell Policies — We Stand By You
Claims Handled for You
When you're hospitalised, we manage the paperwork so you receive your money faster — not weeks later.
We Appeal Rejected Claims
If the insurer says no, we build your case, gather the evidence, and fight on your behalf until a fair outcome is reached.
Honest Advice Always
We tell you exactly what is and isn't coverable — including pre-existing conditions — so there are no surprises when you claim.
Client Stories
What Our Clients Say
"My premiums kept climbing. Jason from Team Medical Card explained co-payment and the NCD to me — the savings were real. And the deductible option has not gone up in price at all."
"My policy had gone unreviewed for a decade. An agent from Team Medical Card sat with me, walked me through everything, and helped me restructure it properly. Professional and genuinely helpful."
"My daughter was in an accident in Japan. My agent told me to keep all the receipts and submit for reimbursement. I had no idea I could claim overseas — I'm so glad he told me."
FAQ
Frequently Asked Questions
Why should I choose Team Medical Card?
What makes Team Medical Card different from other insurance agents?
Can I switch my existing policy to something more affordable?
How do I get started with Team Medical Card?
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