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• Dept Of International Student Services (DISS)
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  3. Why Study in UTAR
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• Dept Of Student Affairs (DSA)
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  11. UTAR Students Medical Insurance Scheme (Voluntary Basis)
  12. Past Events
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• Dept of Soft Skills Competency (DSSC)

UTAR Students Medical Insurance Scheme (Voluntary Basis)

UTAR has obtained a competitive Medical Insurance Scheme whereby UTAR students can sign up on a voluntary basis. There are 2 plans to choose from as follows:

1. Max Entry Age: 60 years old. (Renewal up to 65 years old-subject to PHD form)
2. Pre-Existing Illness Condition.
3. Specified Illness 120 days.
4. 'As Charged Basis' shall be subject to reasonable and customary charges only.
5. Co-Payment Clause applicable if student is hospitalized with room & board charges higher than stated limit.

Benefits of health insurance:

Description Of Benefits

* Hospital Room & Board
- Reimbursement of the room accommodation and meals during confinement in a hospital as an in-patient.

* Intensive Care Unit
- Reimbursement of the actual room and board incurred during confinement as an in- patient in the Intensive Care Unit of the Hospital.

* Surgical Fees
- Reimbursement of the charges for a surgery by the Specialists, pre-surgical assessment Specialist's visits and post-surgery care from the date of surgery.

* Operating Theatre
- Reimbursement of operating room charges incidental to the surgical procedure.

* Anaesthetist Fee
- Reimbursement of fees charged by the Anaesthetist for the administration of anaesthesia.

* Pre-Hospital Dianostic Tests
- Reimbursement of fees charged for ECG, x-ray and laboratory examinations recommended by a qualified medical practitioner for the determination of an illness or injury. Medications and consultation charged by the medical practitioner will not be payable.

* Pre-Hospital Specialist Consultation
- Reimbursement of the first consultation fees charged by a Specialist in connection with a Disability and provided that such consultation 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).

* In-Hospital Physician Visit
- Reimbursement of fees charged by the attending physician for visiting an in-paying patient while confined for a non-surgical Disability, subject to a maximum of 1 visit per day.

* Post-Hospitalization Treatment
- Reimbursement of charges for follow up treatments following discharge from a hospital for a non-surgical confinement administered by the same physician.

* Hospital Supplies & Services
- Reimbursement of charges made by the Hospital for general nursing, dressings, splints, plaster casts, x-ray, laboratory examinations, electrocardiograms, physiotherapy, basal metabolism tests, intravenous injections and solutions, administration of blood and blood plasma but excluding the cost of blood and plasma.

* Ambulance Fees
- Reimbursement for necessary domestic ambulance services (inclusive of attendant) to and/or from the Hospital of confinement.

* Daily-Cash Allowance At Government Hospital
- Pays a daily allowance for each complete day of confinement for a covered Disability in a Malaysian Government Hospital provided confinement in a Room and Board rate that does not exceed the plan chosen.

* Medical Report
- Reimbursement of expenses for pursuing the medical report.

* Government Service Tax
- Reimbursement of the charges imposed by the Malaysian Government for service tax levied on Hospital Room & Board charges.

* Emergency Accidental And Dental Out-Patient Treatment
- Reimbursement of expenses incurred as a result of a bodily injury/ to sound natural teeth arising from an ACCIDENT for treatment as an out-patient at any registered clinic or hospital within 24 hours.

* Second Surgical Opinion
- Consultation or opinion with a second specialist to determine whether a surgical operation is necessary or required in view of the Insured Person's medical condition.

* Daycare Procedure
- Medically Necessary Day-Care Procedure performed in an out-patient setting without hospital admission.

* Home Nursing Care
- Actual charges incurred for the services of a government licensed nurse in the insured person's home when prescribed by a physician subsequent from hospital confinement for the same medical condition.

* In-patient Treatment for Mental lllness
- If the Insured Person is confined to hospital for the treatment of mental illness, in lieu of all the other Benefits, the Policy shall pay this Benefit as provided under the Schedule of benefits subjects to the Annual Limit stated for each insured person. The term "mental lllness" shall mean a nervous disorder or the functional disorder of the psychic or mental constitution including any physiological or psychosomatic manifestations that necessitate the Insured Person to be confined in hospital for the medically required treatment.

*Reimbursement Of Tuition Fees Due To Prolonged Period Of Disability (Per Semester)
- In the event of a prolonged disability, which actually prevents the Insured person from attending to his academic session at his registered college and as a direct result of this non-attendance such that the Insured person has to repeat his coursework in a new academic session, this benefit will reimburse the actual college tuition fees paid for the academic session which was missed.

Information Sheet

Note: This information sheet provides a summary of the main features of the above product for illustration purposes and does not constitute a contract of insurance. Policy Owners are advised to refer to the Policy document for full details of the product terms and conditions, including those outlined below.

Terms of Issue

* Period of Cover
- This policy shall become effective as of the date stated in the Schedule. The Policy Anniversary shall be one year after the effective date and annually thereafter.
- Refer to Other Policy Provisions.

Conditional Renewal and Premium
- The renewal premiums payable is not guaranteed and the Company reserves the right to revise the premium rate applicable at the time of renewal by giving a 30 days written notice and this policy will be renewable at the option of the policyholder subject to the terms, conditions and termination at each of the anniversary of the policy date.
- Refer to Other Policy Provisions.

* Upgraded Room & Board Co-Payment
- If you are hospitalized at a Room & Board which is higher than your eligible benefit (2 bedded room or 4 bedded room), you shall bear 20% of the other eligible benefits described in the Schedule of Benefits.
- Refer to Other Policy Provisions.

* Consequence of Misrepresentation/ Fraud/ Non-Disclosure
- An Insurer has the right to repudiate liability in the event that prospective Policy Owner failed to disclose relevant information that would affect the decision of the insurer to accept or reject the risk, and on the premiums and terms to be applied to the Policy Owner.
- Refer to Other Policy Provisions.

* Major Exclusions & the relevant periods applicable including but not limited to exclusions, pre-existing illness, specified illnesses & waiting period.
- Refer to Other Policy Provisions.

* Other specific terms/ conditions/ exclusion
- Refer to Policy Schedule.

For Further Information Kindly Contact DSA/AAO