Individual Medical Insurance
Protection when your health needs it most
Medical insurance helps protect you against unexpected hospitalisation and surgical expenses arising from illness or accidents. Explore our range of Individual Medical Insurance solutions and let us help you secure the protection you need for a healthier and more confident future.
Every medical application is assessed by the insurer, so premiums are quoted individually. Tell us what you need and we'll come back with a comparison.
Why purchase Individual Medical Insurance?
Rising medical costs shouldn't decide your treatment
Medical costs continue to rise, making quality healthcare increasingly expensive. An Individual Medical Insurance plan helps protect you from unexpected medical expenses, ensuring you receive timely treatment without placing a heavy financial burden on you or your family. Many medical plans offer renewable coverage up to age 100, providing long-term protection as your healthcare needs evolve.
Financial protection against high medical and hospitalisation expenses
Hospitalisation, surgery and specialist treatments can be costly. Medical insurance helps cover eligible medical expenses, reducing out-of-pocket costs.
Cashless admission at panel hospitals
Cashless admission allowing you to focus on your recovery instead of arranging payment during emergencies.
Protection for hospitalisation due to illness and accidental injuries
Access to comprehensive medical benefits, including surgery and specialist treatments.
Treatment at any private hospital
Receive treatment at any private hospitals with access to experienced specialists and advanced medical facilities.
Outpatient benefits on selected plans
Selected plans include outpatient Cancer Treatment, Kidney Dialysis, Physiotherapy and other post-hospitalisation benefits.
Flexible plans with various annual limits, room & board options and premium-saving features
Choose from a variety of plans offering different annual limits, room and board benefits, deductibles and premium options to match your healthcare needs and budget.
Available plans
Medical insurance plans we compare for you
We place medical cover with the insurers and takaful operators below. Which plans you qualify for — and at what premium — depends on the insurer's underwriting assessment, so we quote each application individually.
Tokio Marine Insurans (Malaysia) Berhad
Comprehensive hospitalisation and surgical coverage.
- Annual limit up to RM120,000
- No lifetime limit
- Renewable up to age 100
- Cashless admission at panel hospitals
- Day Care Surgery, Organ Transplant and Home Nursing Care
- Outpatient Cancer Treatment, Kidney Dialysis and Physiotherapy
- Traditional Medical Treatment benefits
Syarikat Takaful Malaysia Am Berhad
Medical takaful plan, Shariah-compliant.
- Cashless admission
- Daily Room & Board up to RM500
- Annual limit up to RM1.5 million (with MedikBooster Rider)
- Unlimited Room & Board days
- Flexible Co-Takaful options for more affordable contributions
Berjaya Sompo Insurance Berhad
Comprehensive hospitalisation and surgical protection.
- Cashless or reimbursement options
- No lifetime limit
- Guaranteed renewal up to age 100
- Outpatient Cancer Treatment, Kidney Dialysis, Physiotherapy and Chiropractic Care
- Optional deductible to reduce premiums
Berjaya Sompo Insurance Berhad
Enhanced PlanEnhanced medical plan with a higher annual limit.
- Annual limit up to RM2.5 million
- Daily Room & Board up to RM600
- No lifetime limit
- Guaranteed renewal up to age 100
- Chemotherapy, Radiotherapy and Immunotherapy
- Intraocular Lens benefit
- Optional deductible
Allianz General Insurance Company (Malaysia) Berhad
Flexible hospitalisation and surgical coverage.
- Cashless or reimbursement options
- Optional deductible for premium savings
- Multiple premium-saving options
- Discounts for families and companies
Chubb Insurance Malaysia Berhad
Essential hospitalisation and surgical coverage for illness and accidents.
- Policy renewal up to age 65
Terms and conditions apply. Benefits, limits, eligibility, exclusions and renewal provisions vary by insurer and product. Please refer to the respective policy contract or takaful certificate for full details before purchasing.
Why choose Jominsure
Advice first, paperwork handled
We believe choosing the right medical insurance should be simple, transparent and tailored to your individual needs. Our experienced consultants are committed to helping you make informed decisions by comparing plans from multiple insurers and recommending the most suitable coverage for your budget and healthcare requirements.
Wide range of trusted insurers
We work with reputable insurance and takaful providers in Malaysia, giving you access to a variety of medical plans with different coverage levels and benefits.
Personalised insurance solutions
Every individual has different healthcare needs. We take the time to understand your requirements and recommend plans that best match your age, lifestyle, budget and protection goals.
Independent plan comparison
Compare benefits, annual limits, room and board options, deductibles and premiums across multiple insurers, all in one place, making it easier to choose the right plan.
Professional advice and support
Our knowledgeable consultants provide clear guidance throughout the application process and answer your questions, ensuring you understand your coverage before making a decision.
Hassle-free application process
We simplify the application process by assisting with documentation, policy submission and communication with insurers, helping you save time and effort.
Ongoing customer support
Our service doesn't end after your policy is issued. We continue to support you with policy renewals, coverage reviews and claims assistance whenever you need us.
Customer-focused service
Your peace of mind is our priority. We are committed to delivering responsive, reliable and professional service, helping you protect what matters most with confidence.
FAQ
Individual Medical Insurance FAQs
General information based on the insurers and products we currently place. Because every application is subject to the insurer's underwriting assessment and approval, the answers below describe what is typical rather than what your policy will say — always refer to your own policy contract or takaful certificate.
Let us find the right medical plan for you
Tell us who needs cover and what matters most to you. We'll compare plans from multiple insurers and come back with a tailored quotation — with expert advice, trusted insurers and dedicated support every step of the way.