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Program EMAS - Plans & Benefits
Understand our programme's plans and benefits in detail.
Here are the Program EMAS features:
Enrolment fee rates are the same for every individual, either male or female, under the age of 64 years and 6 months. (From the Age of 64 years and 6 months to 70 with Health declaration and subject to the underwriter’s approval)
The Program EMAS offers comprehensive takaful/insurance protection which include:
- 24-hour protection, worldwide.
- Attractive Takaful/Insurance Cost which is affordable for all members of the cooperatives and their dependents.
- Easy to join the Program EMAS due to group underwriting arrangements by the takaful/insurance company.
- The overseas emergency assistance benefit enables members to have a peace of mind.
- Muslim members are offered complete professional funeral management services through the Program EMAS.
- Cash Back Rewards Card
*Subject to terms and conditions.
Hospitalisation & Surgical Benefits
| Benefits | Max Limit of Benefits |
| Overall Annual Limit | RM 50,000 |
| Hospital Rooms & Accommodation (up to 150 days maximum) | RM 200 a day |
| Intensive Care Unit Room (up to 30 days maximum) | As Charged |
| Deductible (amount to be borne by members who are protected by each hospital admission/claim from eligible expenses) a) Sickness treatment at Private Hospitals b) Accidental treatment at Private Hospitals c) Any Treatment at Government Hospital | 5% of total bill amount |
| Surgical Fee | As Charged |
| Surgery Room Fee | |
| Anesthesia Fee | |
| Hospital Supplies and Services | |
| Visiting Physicians in Hospital (maximum 2 times a day for up to 150 days) | |
| Pre-Hospital Diagnostic Test & Pre-Hospital Specialist Consultation (resulting in hospital admission within 90 days) | RM 1,000 |
| Post Hospitalization treatment (within 60 days of being discharged from hospital) | RM 2,500 |
| Second opinion from a specialist | As Charged |
| Ambulance Fee | RM 500 |
| Cash Allowance for Admission to Government Hospital (Up to 150 days) | RM 100 |
| Medical Report | RM 100 |
| Administrative Fees/Registration Fees/Cost of ID Bands/Fees on Drug Dispensing/Cost of Hospital Admission Kit (for each time hospitalization) | As Charged |
| Prescription Drugs (up to 150 days in hospital & 60 days after hospitalization) | |
| Daily Care Procedures & Surgery | |
| Taxes as per bills |
Life Protection Benefits
| Benefits | Compensation Total |
| Permanent Disability (Natural Causes) | RM 40,000 |
| Death (Natural Causes) | RM 35,000 |
| Cost of Funeral Arrangement (Natural Causes) | *As per Actuals |
*Maximum limit RM5,000
Personal Accident Insurance Benefits
| Benefits | Total Compensation |
| Permanent Disability | RM 40,000 |
| Partial Disability | RM 40,000 |
| Death | RM 35,000 |
| Medical Costs (for each accident) | RM 1,000 |
| Funeral Arrangement Cost | *As per Actuals |
| Cost of Repatriation of Mortals (death outside of Malaysia) | RM 5,000 |
*Maximum limit RM5,000
Outpatient G.P. Clinics Consultancy Service
| GP Clinic Services | Benefit Limit |
| Consultation | RM 25 each visit, subject to 12 visits in a year |
Special Benefits For Program EMAS Members
| Perpetual Trustees Berhad | Discount for Will Writing Fee & Estate Administration Fee |
| Funeral Services | Professional Funeral Management Services |
| ICT Commerce Sdn Bhd | Cash Back Rewards Card |
| Aspire Lifestyles | Overseas Emergency Assistance |
* The above protection schedule is a joint venture with the company’s selected insurance and takaful provider.
*Acceptance of pre-existing illness is subject to the approval from underwriters with terms and conditions to start the coverage after 12 months.
*The above benefits are subject to terms and conditions of the underwriters.
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