HealthCare Daily Cash

HealthCare Daily Cash is a telemarketing product available to selected potential customers. This is a hospital income plan that helps to ease your financial burden in the event of hospitalisation.

Note: Terms and conditions apply.

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HealthCare Choice

With HealthCare Choice, you can spare yourself and your loved ones the pain of financial stress during a difficult time.

This yearly renewable non-participating stand-alone medical plan provides you with comprehensive coverage for hospital and surgical expenses up to age 100 (next birthday), easing the burden of high medical bills so you can focus solely on your recovery.

This product is sold through the authorised life insurance agents of AmMetLife.

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Benefits At A Glance
Comprehensive Medical Coverage Up To Age 100 (Next Birthday) Enjoy comprehensive medical coverage, renewable yearly up to age 100 (next birthday). The yearly renewal is subject to AmMetLife’s right to withdraw the entire portfolio if AmMetLife decides to discontinue underwriting HealthCare Choice.
Choice of 3 Deductible Levels Opt for the RM0, RM2,000 or RM10,000 deductible level based on your needs and budget.
Daily Cash For Room And Board If It Is A Lower Rate If your actual room and board is lower than your HealthCare Choice plan’s room and board, you’ll be reimbursed with 50% of the cost difference for up to 30 days per disability.
Daily Guardian Be reimbursed for hospital meals and lodging expenses incurred by one accompanying adult for up to 150 days per disability if you accompany your hospitalised child who’s below age 18 and is insured under HealthCare Choice.
Benefits At A Glance (continued)
Second Surgical Opinion Get your second surgical opinion charges reimbursed when you consult a second specialist within 60 days before your surgery.
Post-Hospitalisation Treatment Be reimbursed for post-hospitalisation treatment charges that are incurred within 120 days after you are discharged.
Out-Patient Chinese Medicine, Chiropractic and Physiotherapy Treatments Enjoy coverage for out-patient Chinese medicine as well as chiropractic and physiotherapy treatments received within 60 days after hospital discharge.


  1. With effect from 1 June 2018, premium payable will plus GST (at prevailing rate of 0%) applicable for all fees and charges set out in this document.
  2. Please refer to policy contract for details on important features of the policy that you have purchased.

HealthCare Secure

At AmMetLife, we understand the effects critical illness can have on an individual and their family both emotionally and financially.

That is why we have designed HealthCare Secure to cater to your times of need. HealthCare Secure is a non-participating yearly renewable individual critical illness insurance plan with severity based critical illness benefits.

This plan provides the same comprehensive coverage and allow multiple claims for up to 6 times. Best of all, it is affordable and offer double the payout of the sum assured!

This is an Agency product.

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HealthCare Secure Benefits
DOUBLE PAYOUT for extra peace of mind Up to 200% of the sum assured is payable throughout the protection period. Subject to limits and conditions in the benefits table.
Protect against 36 CORE CRITICAL ILLNESSES (CI) The sum assured will be payable in one lump sum upon diagnosis of one of the 36 core critical illnesses.
COMPREHENSIVE COVERAGE at 2 levels of severity Covers up to 72 conditions of critical illnesses, from early to advanced stages. Subject to limits and conditions in the benefits table.

* Subject to waiting period for specified illnesses. Please refer to policy contract for details.

HealthCare Secure Benefits
MULTIPLE CLAIMS up to the maximum payout Multiple claims up to 6 times are allowed. These claims may be on the same critical illness for varying severity level or on different critical illnesses on same/different severity level. Please refer to claims example inside this booklet for better understanding.
NO WAITING in between claims* No waiting time to be observed between the first and subsequent claim(s).
TAX RELIEF You may enjoy medical income tax relief of up to RM3,000, subject to final decision of the Malaysian Inland Revenue Board.

* Subject to waiting period for specified illnesses. Please refer to policy contract for details.

Wide coverage with multiple claims… How does it work?
HealthCare Secure provides coverage for core CI and CI with severity level Tier 1 and Tier 2.
Protection range of seven (7) CI groups.
A guaranteed lump sum benefit is payable if you are diagnosed with any one of the Core Critical Illnesses, Tier 1 or Tier 2 (refer to the Benefits Schedule) during the term of the policy.
Enjoy 100% of the sum assured (SA) benefit payout under each CI group, in which the total benefit payout comprises of the Core CI conditions, Tier 1 and Tier 2 benefits (if any).
Within each CI Group, the benefits payable for subsequent CI claims (at Tier 2 or Core CI level) are reduced by previously paid CI claims (at Tier 1 or Tier 2 Level). The cover will terminate once total payout benefit reaches 200% of the sum assured

Note: With effect from 1 June 2018, premium payable will plus GST (at prevailing rate of 0%) applicable for all fees and charges set out in this document.

Disclaimer: The information, statement and/or descriptions contained herein are strictly meant to be general information for quick reference and illustration purposes only and are not intended to be the complite description of all terms and conditions applicable to any products mentioned herein. Please refer to the Product Disclosure Sheet (PDS) for more information.

For further clarification and information, you may contact our Customer Care Centre at 1300 88 8800.