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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 65. (From the Age of 65 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 |
| MyAngkasa Mukmin | 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 180 days.
* The above benefits are subject to terms and conditions, for more details visit www.myangkasaemas.com
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