§ 2 · Medical card check-up
Is your card enough?
Four numbers from page one of your policy schedule, checked against what KL private hospitals charge in 2026. If your card is fine, this says so.
A single room in KL runs RM 250 – 450. You pay RM 100 – RM 300 a night yourself, or share a room.
One heart bypass uses most of it. A first year of cancer treatment (RM 150,000 – 250,000) would not fit.
Unlikely to run out.
Age decides what can still be bought.
Worth replacing, carefully.
Several gaps. Apply for the new card first and cancel the old one only after the new one is approved. Never the other way round.
Ask Hidayat about this cardThe four figures are on page 1 of your policy schedule, or in the e-card in your insurer's app.
The bills it is checked against
| Single room, KL private hospital | RM 250 – 450 a night |
|---|---|
| Heart bypass surgery | RM 60,000 – 90,000 |
| Knee replacement | RM 30,000 – 45,000 |
| First year of cancer treatment | RM 150,000 – 250,000 |
| Dengue admission, 3 – 4 nights | RM 4,000 – 8,000 |
Indicative ranges from KL private hospital bills I have seen through claims. Your hospital and doctor will differ.
