Refugee Medical Insurance (REMEDI)

REMEDI does not cover hospital bills at private hospitals, or outpatient treatments that do not require hospitalization.

In Malaysia, most medical insurance plans, including REMEDI, exclude coverage for certain conditions and treatments. These exclusions include:

1. Pre-existing illness (an illness which existed before you enrolled in REMEDI and for which you have been aware of);
2. Cardiovascular disease and all cancers, occurring within the first 120 days of your Period of Insurance;
3. Plastic/cosmetic surgery, circumcision, eye examination, glasses, the use or acquisition of external prosthetic appliances or devices such as artificial limbs, hearing aids, implanted pacemakers and prescriptions;
4. Dental conditions including dental treatment or oral surgery except as necessitated by Injury to sound natural teeth occurring wholly during your Period of Insurance;
5. Private nursing, rest cures or sanitaria care, illegal drugs, intoxication, sterilization, venereal disease and its sequelae, AIDS (Acquired Immunodeficiency Syndrome), ARC (AIDS Related Complex), HIV (Human Immunodeficiency Virus) related diseases, and any communicable diseases requiring quarantine by law;
6. Any treatment or surgical operation for Congenital Conditions/abnormalities or deformities including hereditary conditions;
7. Childbirth, miscarriage or any complications to a pregnancy, unless caused solely and directly by an Accident and prenatal or postnatal care and surgical, mechanical or chemical contraceptive methods of birth control or treatment pertaining to infertility. Erectile dysfunction and tests or treatment related to impotence or sterilization;
8. Insanity, suicide or any attempt thereat, or intentional self-inflicted injuries;
9. War or any act of war, declared or undeclared, criminal or terrorist activities, active duty in any armed forces, direct participation in strikes, riots and civil commotion or insurrection;
10. Psychotic, mental, or nervous disorders (including any neuroses and their physiological or psychosomatic manifestations).

Note: This list is non-exhaustive. Please refer to the policy for the full list of exclusions under this policy.

Once you have paid RM 183.60 to the Allianz agent and enrolled in REMEDI, you will receive the three documents below. You can also view the full list of REMEDI Documents including flyers, policy wording, and product disclosure sheet on Allianz’s website.