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.
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:
- Pre-existing illness (an illness you already had before you enrolled in REMEDI)
- Cardiovascular or cancer related disease occurring during the first 120 days (about 4 months) of cover
- Plastic/cosmetic surgery, circumcision, eye examination, correction of eyesight, external prosthetic appliances such as artificial limbs, hearing aids, and implanted pacemakers
- Dental conditions except as necessitated by accidental injuries to sound natural teeth
- Private nursing, rest cure or sanitaria care, illegal drugs, intoxication, sterilization, venereal disease and its sequelae, AIDS, ARC, HIV, and any communicable disease
- Congenital abnormalities or deformities including hereditary condition
- Pregnancy, childbirth, miscarriage, abortion, prenatal and postnatal care, contraceptive or treatment related to infertility, erectile dysfunction, or test related to impotence
- Suicide, attempted suicide, or self-inflicted injury
- 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.
- Psychotic, mental, or nervous disorders
How to Enrol
To enroll in REMEDI, simply follow these steps:
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.
Wait
Wait for an Allianz agent to contact you.
Terms and Conditions
Speak to the Allianz agent about the terms and conditions.
Payment
If you are ready to enrol, make the payment of RM183.60 to the Allianz agent
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
Documents
Present your REMEDI Medical Card and UNHCR Card/UC Letter
Verification
Admission counter checks patient’s UNHCR document & REMEDI Medical Card
Admission
Once verified, hospital will prepare for your admission
Recovery
Upon recovery, you will be informed of your discharge from hospital
Bill
Hospital prepares medical bill
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.
Medication
Collect all medication and medical certificate (MC) and get well soon!
Have Some Questions?
For more information, please consult the Refugee Medical Insurance (REMEDI) Frequently Asked Questions (FAQ).