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ING I.ExpatCARE Insurance in Malaysia

ING I.ExpatCARE insurance is a yearly renewable international healthcare product, offering in-patient and out-patient care as well as extra benefits inclusive of physiotherapy, preventive care, wellness benefits and maternity care, both to individuals and corporations.

I.ExpatCARE Individual
The I.ExpatCARE is offered to Malaysians and permanent residents of Malaysia (based on the Inland Revenue of Malaysia’s Guidelines) as well as full time foreign employees of a company incorporated in Malaysia.
Individuals aged between eighteen (18) years to fifty nine (59) years (to the nearest birthday) are eligible to apply for the I.ExpatCARE together with their legally married spouse and unmarried children (aged thirty (30) days to nineteen (19) years or twenty three (23) years, if still pursuing higher education and is not gainfully employed).

I.ExpatCARE Corporate Company
The I.ExpatCARE Corporate is open to Malaysian employers (company incorporated in Malaysia) to cover their
Expatriated Malaysian employees (and dependents) on foreign assignment outside Malaysia
Non-Malaysian full time employees (and dependents)

All current and future full time employees aged eighteen (18) years to fifty nine (59) years (to the nearest birthday) are eligible to apply for the I.ExpatCARE Corporate. The legally married spouse of the Insured Employee and their unmarried children (aged thirty (30) days to nineteen (19) years or twenty three (23) years, if still pursuing higher education and is not gainfully employed) are also eligible for coverage.

Features
Comprehensive Medical Coverage

In-patient Care
The I.ExpatCARE provides in-patient care coverage for admission to a hospital, which includes room & board charges, doctor’s fees (surgeon & anaesthetist’s fees), medical facilities charges as well as special cancer treatment, kidney dialysis and organ transplant charges.

Out-patient Care
Benefits here include consultation fees for a General Practitioner or Specialist for common sickness, bodily injuries, diagnostic tests and medication. Out-patient cancer treatment, kidney dialysis and day care surgery are also part of this benefit.

Extra Benefits
In addition to the above, the I.ExpatCARE includes benefits such as physiotherapy, medical aids (hearing aids, orthopaedic appliances etc.) and treatments performed by complementary medical practitioners (chiropractor, osteopath, acupuncturist and homeopath) that have been prescribed by a doctor. Maternity coverage (except Elective Caesarean Surgery) is also included.

Geographical Coverage
The I.ExpatCARE offers you a choice between three (3) geographic areas of cover

Worldwide cover (Zone A)

Worldwide cover excluding United States of America (USA) and Canada (Zone B)

Worldwide cover excluding USA, Canada, Switzerland, European Union, Japan, Hong Kong and Singapore (Zone C)

However, during business trips or holidays not exceeding ninety (90) days, medical expenses incurred in the excluded countries as a consequence of an accident or a medical emergency will be covered up to the limits of the plan purchased. If the medical condition concerned already existed prior to travel to the excluded countries, then the medical expenses related to that medical condition are not covered.

Choice of Plan
I.ExpatCARE offers you five (5) attractive plans designed to suit your budget and healthcare needs.

Fantastic Coverage
The I.ExpatCARE provides you insurance coverage ranging from RM 950 000 (approximately USD 250 000*) to RM 14 250 000 (approximately USD 3 750 000*) per annum. This rich coverage promises you accessibility to quality medical care overseas. Simply a fantastic deal !
* Converted at a fixed rate of USD 1.00 = RM 3.80

Download Application Forms