Refugee Medical Insurance (REMEDI)

What is REMEDI – Refugee Medical Insurance?

Refugee Medical Insurance (REMEDI) helps refugees pay hospital bills. By enrolling in REMEDI, which costs RM 183.60 per year, refugees are protected in case they are admitted to government hospitals in Malaysia due to an unexpected illness or accident. If that happens, REMEDI will pay the full cost of the hospital bill up to RM 10,000 per admission and up to a total of RM 20,000 per year.

Why Should You Enrol?

  • Anyone can suddenly become seriously injured or ill without warning and require hospitalization. When this happens to refugees in Malaysia, they often cannot afford to pay the hospital bill. This can cause refugees to lose their savings, go into debt, and face health and security risks
  • REMEDI provides refugees with peace of mind, because even if they unexpectedly fall sick or have an accident, they will not need to worry about paying their hospital bill
  • The cost to enroll in REMEDI—called the “premium”—is not high, compared to the hospital costs that REMEDI covers. Instead of paying up to RM 10,000 for one admission to a hospital, or RM 20,000 for multiple admissions in a year, refugees only have to pay the annual premium of RM 183.60.
  • REMEDI is the only insurance scheme in Malaysia endorsed by UNHCR, which has worked closely with Allianz to make REMEDI available to refugees

Who Can Enrol?

  • Refugees and asylum-seekers registered with UNHCR in Malaysia
  • Individuals aged between 18 and 60 years

What is Covered Under REMEDI?

REMEDI pays the hospital bills if you are admitted to a government hospital in Malaysia for illnesses or accidents that you did not know you would have.

Benefits
Amount (RM)
1
Daily Hospital Room & Board (maximum up to 30 days)
As charged in accordance to charges consistent with Third (3rd) Class Room and Board to a maximum of RM160.00 per day in a Non-Corporatized Malaysian Government Hospital in conformance to the charges specified under Fees Act 1951, Fes (Medical) Order 1982.
2
Intensive Care Unit (maximum up to 15 days)
As charged in accordance to charges consistent with Third (3rd) Class Room and Board to a maximum of RM160.00 per day in a Non-Corporatized Malaysian Government Hospital in conformance to the charges specified under Fees Act 1951, Fes (Medical) Order 1982.
3
Hospital Supplies and Services
As charged in accordance to charges consistent with Third (3rd) Class Room and Board to a maximum of RM160.00 per day in a Non-Corporatized Malaysian Government Hospital in conformance to the charges specified under Fees Act 1951, Fes (Medical) Order 1982.
4
Operating Theatre
As charged in accordance to charges consistent with Third (3rd) Class Room and Board to a maximum of RM160.00 per day in a Non-Corporatized Malaysian Government Hospital in conformance to the charges specified under Fees Act 1951, Fes (Medical) Order 1982.
5
Surgical Fees (excluding organ transplant)
As charged in accordance to charges consistent with Third (3rd) Class Room and Board to a maximum of RM160.00 per day in a Non-Corporatized Malaysian Government Hospital in conformance to the charges specified under Fees Act 1951, Fes (Medical) Order 1982.
6
Anesthetist Fees
As charged in accordance to charges consistent with Third (3rd) Class Room and Board to a maximum of RM160.00 per day in a Non-Corporatized Malaysian Government Hospital in conformance to the charges specified under Fees Act 1951, Fes (Medical) Order 1982.
7
In-hospital Physician Visits (Maximum up to 30 days)
As charged in accordance to charges consistent with Third (3rd) Class Room and Board to a maximum of RM160.00 per day in a Non-Corporatized Malaysian Government Hospital in conformance to the charges specified under Fees Act 1951, Fes (Medical) Order 1982.
8
In-hospital Specialist Consultation
As charged in accordance to charges consistent with Third (3rd) Class Room and Board to a maximum of RM160.00 per day in a Non-Corporatized Malaysian Government Hospital in conformance to the charges specified under Fees Act 1951, Fes (Medical) Order 1982.
9
Ambulance Fees / Medical Report Fees
As charged in accordance to charges consistent with Third (3rd) Class Room and Board to a maximum of RM160.00 per day in a Non-Corporatized Malaysian Government Hospital in conformance to the charges specified under Fees Act 1951, Fes (Medical) Order 1982.
Maximum limit for any one admission
10,000
Maximum Overall Annual Limit (Item 1 to 9)
20,000
10
Death or Permanent Disablement (Due to Accident)
10,000
11
2 Medical and Surgical Expenses (Due to Accident)
2,000
Premium (inclusive of Servce tax)
183.60
Benefits
Amount (RM)
Daily Hospital Room & Board (maximum up to 30 days)
As charged in accordance to charges consistent with Third (3rd) Class Room and Board to a maximum of RM160.00 per day in a Non-Corporatized Malaysian Government Hospital in conformance to the charges specified under Fees Act 1951, Fes (Medical) Order 1982.
Intensive Care Unit (maximum up to 15 days)
As charged in accordance to charges consistent with Third (3rd) Class Room and Board to a maximum of RM160.00 per day in a Non-Corporatized Malaysian Government Hospital in conformance to the charges specified under Fees Act 1951, Fes (Medical) Order 1982.
Hospital Supplies and Services
As charged in accordance to charges consistent with Third (3rd) Class Room and Board to a maximum of RM160.00 per day in a Non-Corporatized Malaysian Government Hospital in conformance to the charges specified under Fees Act 1951, Fes (Medical) Order 1982.
Operating Theatre
As charged in accordance to charges consistent with Third (3rd) Class Room and Board to a maximum of RM160.00 per day in a Non-Corporatized Malaysian Government Hospital in conformance to the charges specified under Fees Act 1951, Fes (Medical) Order 1982.
Surgical Fees (excluding organ transplant)
As charged in accordance to charges consistent with Third (3rd) Class Room and Board to a maximum of RM160.00 per day in a Non-Corporatized Malaysian Government Hospital in conformance to the charges specified under Fees Act 1951, Fes (Medical) Order 1982.
Anesthetist Fees
As charged in accordance to charges consistent with Third (3rd) Class Room and Board to a maximum of RM160.00 per day in a Non-Corporatized Malaysian Government Hospital in conformance to the charges specified under Fees Act 1951, Fes (Medical) Order 1982.
In-hospital Physician Visits (Maximum up to 30 days)
As charged in accordance to charges consistent with Third (3rd) Class Room and Board to a maximum of RM160.00 per day in a Non-Corporatized Malaysian Government Hospital in conformance to the charges specified under Fees Act 1951, Fes (Medical) Order 1982.
In-hospital Specialist Consultation
As charged in accordance to charges consistent with Third (3rd) Class Room and Board to a maximum of RM160.00 per day in a Non-Corporatized Malaysian Government Hospital in conformance to the charges specified under Fees Act 1951, Fes (Medical) Order 1982.
Ambulance Fees / Medical Report Fees
As charged in accordance to charges consistent with Third (3rd) Class Room and Board to a maximum of RM160.00 per day in a Non-Corporatized Malaysian Government Hospital in conformance to the charges specified under Fees Act 1951, Fes (Medical) Order 1982.
Maximum limit for any one admission
10,000
Maximum Overall Annual Limit (Item 1 to 9)
20,000
Death or Permanent Disablement (Due to Accident)
10,000
2 Medical and Surgical Expenses (Due to Accident)
2,000
Premium (inclusive of Servce tax)
183.60

What is Not Covered Under REMEDI?

REMEDI does not pay for hospital bills at private hospitals, or outpatient treatment that does not require you to be admitted to hospital.

In Malaysia, most medical insurance plans, including REMEDI, do not cover certain conditions and treatments. These include:

  1. Pre-existing illness (an illness you already had before you enrolled in REMEDI)
  2. Cardiovascular or cancer related disease occurring during the first 120 days (about 4 months) of cover
  3. Plastic/cosmetic surgery, circumcision, eye examination, correction of eyesight, external prosthetic appliances such as artificial limbs, hearing aids, and implanted pacemakers
  4. Dental conditions except as necessitated by accidental injuries to sound natural teeth
  5. Private nursing, rest cure or sanitaria care, illegal drugs, intoxication, sterilization, venereal disease and its sequelae, AIDS, ARC, HIV, and any communicable disease
  6. Congenital abnormalities or deformities including hereditary condition
  7. Pregnancy, childbirth, miscarriage, abortion, prenatal and postnatal care, contraceptive or treatment related to infertility, erectile dysfunction, or test related to impotence
  8. Suicide, attempted suicide, or self-inflicted injury
  9. War or act of war declared or undeclared, criminal or terrorist activities, active duty in armed forces or direct participation in strikes, riots and civil commotion or insurrection.
  10. Psychotic, mental, or nervous disorders

How to Enrol

To enroll in REMEDI, simply follow these steps:

Step 1
Step 1

Choose One (1) of the Options Below

a) Enrolment Events: Subscribe to the Refugee Malaysia Telegram channel for updates on upcoming events near you
b) Community Organisation: Ask your community leader about enrolment at community centres
c) Online Form: Provide your contact details to Allianz by completing this online form.

Step 2
Step 2

Wait

Wait for an Allianz agent to contact you.

Step 3
Step 3

Terms and Conditions

Speak to the Allianz agent about the terms and conditions.

Step 4
Step 4

Payment

If you are ready to enrol, make the payment of RM183.60 to the Allianz agent

Step 5
Step 5

REMEDI Card

Collect your REMEDI card from the Allianz agent

REMEDI Documents

Once you have paid RM 183.60 to the Allianz agent and enrolled in REMEDI, you will receive these two documents:

Medical Card

Cover Letter

How Do I Use REMEDI at Hospitals?

Hospital

Visit your nearest Malaysian government hospital

Assessment

You will be assessed again to see if an admission is required

C

Documents

Present your REMEDI Medical Card and UNHCR Card/UC Letter

C

Verification

Admission counter checks patient’s UNHCR document & REMEDI Medical Card

C

Admission

Once verified, hospital will prepare for your admission

C

Recovery

Upon recovery, you will be informed of your discharge from hospital

C

Bill

Hospital prepares medical bill

C

Payment

If there are no uncovered items / treatment does not exceed your limits, no payment will be needed (otherwise clear all payments at the hospital).

Note: If there are charges not covered by the insurance, you are responsible for paying them. If you have difficulties in paying, you can contact the Malaysian Relief Agency. Medical assistance will be assessed on a case-by-case basis.

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Medication

Collect all medication and medical certificate (MC) and get well soon!

C

Have Some Questions?

For more information, please consult the Refugee Medical Insurance (REMEDI) Frequently Asked Questions (FAQ).

Refugee Medical Insurance (REMEDI) FAQ