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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.
- 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
| Hospital Admission Benefits | Value of Benefits (Standard) | Value of Benefits (Takaful) |
| Overall Annual Limit | RM 50,000 | RM 50,000 |
| Room and Board (maximum to 150 days) | RM 200 a day | RM 200 per day* |
| Intensive Care Unit Room (up to 30 days maximum) | As Charged | As Charged |
| Deductible (amount to be borne by members who are protected by each hospital admission/claim from eligible expenses) a) Illness treatment at Private Hospitals b) Accidental treatment at Private Hospitals c) Any Treatment at Government Hospital | 5% of total bill amount None None | None |
| Surgical Fee | As Charged | 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 (resulting in hospital admission within 60 days) | As Charged | RM 1,000 |
| Pre-Hospital Specialist Consultation (resulting in hospital admission within 60 days) | - | RM 1,000 |
| Post Hospitalization Treatment (within 60 days of being discharged from hospital) | RM 2,500 | RM 2,500 |
| Second opinion from a specialist | As Charged | As Charged |
| Ambulance Fee | RM 500 | RM 500 |
| Cash Allowance for Admission to Government Hospital (Up to 150 days) | RM 100 | RM 100 |
| Medical Report | RM 100 | 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 | 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 (Standard) | Compensation Total (Takaful) |
| Total Permanent Disability | RM 40,000 | RM 40,000 |
| Death (Natural/Illness) | RM 35,000 | RM 35,000 |
| Funeral Expenses | RM 5,000 | RM 5,000 |
| Funeral Arrangement Cost |
*Maximum limit RM5,000
Personal Accident Insurance Benefits
| Benefits | Total Compensation (Standard) | Total Compensation (Takaful) |
| Total Permanent Disability | RM 40,000 | RM 40,000 |
| Death | RM 35,000 | RM 35,000 |
| Treatment Costs (for each accident) | RM 1,000 | RM 1,000 |
| Funeral Expenses | RM 5,000 | RM 5,000 |
| Funeral Arragement Cost |
*Maximum limit RM5,000
Outpatient G.P. Clinics Consultancy Service
| Outpatient Benefits (GP Clinics Only) | Value of Benefits (Standard) | Value of Benefits (Takaful) |
| Consultation, Medicines, Injections, Diagnostic Test, Lab Test and X-Ray Test | RM 25 per visit Subject to 12 visits per year | RM 25 per visits Subject to 12 visits per year |
Special Benefits For Program EMAS Members
| Perpetual Trustees Berhad http://www.perpetualtrustees.com.my/ | Discount for Will Writing Services Fee and Estate Administration Fee |
| ICT Commerce Sdn Bhd https://www.ictcommerce.net/ | Provides a Cashback Reward Card and numerous benefits to the cardholder |
| Bumijez Sdn Bhd https://bumijez.com/ | Provide Professional Funeral Management which is 24 hours services in all Malaysia |
* 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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