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PRO-Health Medical

Secure your health with total peace of mind. Get protected today with PRO-Health Medical, our online medical insurance with really affordable plans. No medical check-up required; get covered in just 3 minutes from head to toe!

 

Benefits

Cashless admission
Cashless admission
Don’t worry about losing your medical card. It’s available electronically on the Tune Protect app. Just flash it while checking in to the hospital to enjoy cashless admission.
Mosquito-borne disease allowance
Mosquito-borne disease allowance
In addition to your treatment, you will also receive a lump sum allowance if you are diagnosed with Dengue, Zika Virus Fever, Malaria, Chikungunya Fever, or Japanese Encephalitis
Monthly Payments
Monthly Payments
With the availability of monthly payments, it's so much easier and affordable to protect yourself and your loved ones!

Eligibility

  • Individuals of all nationalities who are between 18 to 45 years old (plans are renewable up to 65 years of age)
  • You must not be involved in any extra hazardous occupations
    • Hazardous Occupations:
    • Equestrian Jockeys, Racing Drivers, Professional Athletes
    • Military, Armed Forces/Armed Personnel, Bodyguards
    • Ship Crew, Shipbuilding and Repair Workers, Agricultural, Forestry or Fishery Workers
    • Seamen, Divers, Oil and Gas Rig Workers, Power Plants Workers, Firefighters
    • Mining Workers who work underground or use explosives/chemicals
    • Construction workers for dams, bridges, tunnels or underground work
    • Window cleaners and construction workers at heights exceeding 30 ft above ground
    • Workers that handle boilers, pressure vessels, explosives or toxic materials.
    • Circus Performers, Stuntmen/Stuntwomen, Prison Officers, Wild Animal Handlers
    • Workers handling explosives and other toxic materials.
    • Heavy machinery and truck drivers
  • You must not have any pre-existing medical conditions.
    • Cancer, tumors, abnormal growths or cysts.
    • Stroke, heart attack, chest pains, high blood pressure, diabetes, heart disease, anemia, thyroid disorder, or any disorder of the blood vessels.
    • Any childhood or congenital conditions, bone or joint disorders including arthritis, sciatica and rheumatism.
    • Hepatitis, tuberculosis, or any other disease of the respiratory system.
    • Disorder of the lungs, liver, kidneys, or digestive system.
    • Psychotic, mental or nervous disorders, alcoholism or drug abuse.
    • Any physical conditions that affect your mobility, physical capacity, stamina, or dexterity.
    • Any diseases of the eyes, ears, nose, throat, mouth, skin, back, or spine.
    • AIDS or AIDS related complications, or any communicable diseases that require quarantine by law.


Plan Types

Whether you’re looking for your first medical insurance plan, or a supplement to your existing insurance, we’ve got options for you. Here’s a brief look at the differences in coverage, so you can make the decision that is best for your lifestyle. All other benefits will be covered as charged by the hospital, up to your chosen Annual Limit amount.


Benefit Plan 30
(RM)		 Plan 60
(RM)		 Plan 100
(RM)		 Plan 150
(RM)
Annual Limit 30,000 60,000 100,000 150,000
Room & Board 150 250
Mosquito-Borne Disease Allowance 750 1,500
Alternative & Chiropractic Treatment 500 1,000
Medical Report 100 100
Government Hospital Allowance 100/day
(max 60 days) 		100/day
(max 60 days)


Find A Panel Hospital Near You
150 panel hospitals in Malaysia

With over 150 panel hospitals to choose from, PRO-Health Medical allows you to locate a hospital easily.

Hospital List
Tune Protect Insurance Simplified

If you’re on the go, just use the Tune Protect app to discover hospitals near you.




Hospital Admission Process


Checking In To A Hospital


STEP 1
Admission Step 1A: Present e-medical card.

After selecting a panel hospital1, present your electronic medical card found on the app.

STEP 1B
Admission Step 1B: If no e-medical card, present Identification Card / Passport.

If you do not have the app, present your Identification Card or Passport. Notify the hospital that you are covered by Tune Protect and mention our Third Party Administrator, MiCare2.

STEP 2
Admission Step 2: Follow hospital admission process.

Follow the hospital’s admission process.

STEP 3
Admission Step 3: Wait Guaranteed Letter to be issued.

Wait for the Guarantee Letter to be issued to the hospital.

STEP 4
Admission Step 4: Receive treatment

Once approved, receive your treatment.

1 For non-panel hospitals, you will have to pay first and make your reimbursement claim later.

2 MiCare is our Third Party Administrator (TPA) that helps connect you to healthcare services.




How to Claim

STEP 1
Claims Step 1: Download and fill up form.

Download and fill up the claim form here.

STEP 2
Claims Step 2: Submit claim form with supporting documents.

Submit the claim form along with the supporting documents to pahealth.claims@tuneprotect.com.​

STEP 3
Claims Step 3: Receive claims payment.

Your claim will be reviewed accordingly and if approved, payment will be made within 3 working days from the approval date.​




Sample of Product Disclosure Sheet (PDS)

This is a sample of PDS for an applicant aged 25 interested in Plan B-100.

POLICY WORDING

PREMIUM TABLE

STARTER KIT

Contact Us


For product enquiry
Start Chat
hello.my@tuneprotect.com

1800 88 5753

Monday –Thursday 9AM – 5PM
Friday 9AM – 4:30PM (GMT+8)
For more info on your
medical claims or Guarantee Letter
Call 1800 88 7940 Available 24 hours

Member of PIDM

The benefit(s) payable under eligible certificate/policy/product is(are) protected by PIDM up to limits. Please refer to PIDM’s TIPS Brochure or contact Tune Protect or PIDM.
PIDM

Frequently Asked Questions

More questions? Read on!
Tune Insurance Malaysia Berhad is an insurer licensed by Bank Negara Malaysia that provides a comprehensive range of general insurance solutions through multiple distribution channels, both online and offline, to balance the needs of different consumer groups.
PRO-Health Medical is an online-only medical insurance plan, providing coverage for hospitalisation and surgical expenses incurred due to various illnesses or accidents. PRO-Health Medical is available exclusively online. This product does not have any savings or investment elements.
  1. In-Patient & Daycare Surgical Procedures
  2. Out-Patient Treatments

Please refer to the plans’ schedule of benefits for more details.

Besides covering your hospitalisation expenses, we also provide:

  • A lump sum under the Mosquito-Borne Disease Allowance if you diagnosed and admitted to the hospital for Dengue Virus, Zika Virus, Malaria, Chikungunya or Japanese Encephalitis.
  • Reimbursement for Alternative & Chiropractic Treatment by a traditional medicine practitioner, osteopath, chiropractor, herbalist or bonesetter for further treatment of your injuries after your discharge from the hospital.

Please refer to the policy contract for full terms and condition.

No, you do not. A medical check up is not required. However, you are required to declare your health condition truthfully when purchasing PRO-Health Medical online.
Yes, it does. We will issue and store your e-medical card in our Tune Protect App, available for download on the Apple App Store and Google Play Store.
PRO-Health Medical provides coverage for individuals aged 18 to 65 years old (on their next birthday). However, new applications will only be accepted for individuals between the age of 18 to 45 years old.
Both Malaysian citizens and non-Malaysians can purchase this product. Only one policy per person is allowed.
Yes, PRO-Health Medical is eligible for income tax relief.
We have 4 plans with Annual Limits ranging from RM 30,000 to RM 150,000 which you may choose from according to your lifestyle and needs.

Some of the major exclusions for PRO-Health Medical are:

  1. Pre-existing illnesses
  2. Maternity
  3. Plastic Surgery

This list is non-exhaustive. Please refer to the policy contract for the full list of exclusions.

You will not be eligible to purchase PRO-Health Medical. Instead, please contact our friendly Tune Protect Malaysia agents who will be able to assist you with alternative solutions.
The Annual Limit is the maximum amount you can claim in a year for your plan. There is no Lifetime Limit for PRO-Health Medical, that means that the Annual Limit will be reinstated every year upon renewal.

It’s as simple as answering some questions and choosing your plan in less than 5 minutes! There are no documents needed.

You can purchase the product by downloading our Tune Protect App from the Apple App Store or Google Play Store. Or, you may purchase it from our website www.tuneprotect.com.

You can also register an account with us (via the Tune Protect App or website) to manage your policies effectively and to receive updates on our latest promotions and products in a timely manner.

After your payment is processed successfully, an SMS text will be sent to your phone confirming that your policy has been issued. The policy documents will be emailed to you at the same time. Additionally, we will also store your policy documents in your account if you have downloaded Tune Protect App.

If you do not receive the policy documents, please contact us immediately at 1-800-88-5753 or email us at hello.my@tuneprotect.com.

No problem! Please contact us at 1-800-88-5753 or email us at hello.my@tuneprotect.com and we will help you to resolve your issues.
You can only change or upgrade your plan after applying for the first time or at the time of renewal. Therefore, you are encouraged to choose the appropriate plan for yourself before you make payment. Any change or upgrading of plans will be subject to our underwriting assessment again.
Yes, you can enjoy better savings if you opt to pay premiums annually compared to monthly.
Please try to make payment immediately to avoid disruption to your coverage. Coverage will cease 15 days after your last premium due date. Please contact our Customer Service for assistance to make payment.
Yes, within 60 days from premium due date. There will be no cover under the policy after the end of the grace period of 15 days. Reinstatement of policy will be subject to underwriting questionnaire and outstanding premiums paid. Waiting Period will re-apply from the date of reinstatement of the policy. Please contact our Customer Service Center to apply for reinstatement.
Upon cancellation, any refund of the annual premium will be on a fixed scale. There will be no refund of any premium on monthly payment mode. Please refer to the policy wording for more details.
You will need to pay the stamp duty in the first monthly payment.
Yes, once the payment details have been captured. We will charge the recurring monthly premium every month automatically on your premium due date.
You are only allowed to make payment mode changes upon renewal (on policy anniversary).
Yes, but as a fresh applicant. You will be subjected to the prevailing eligibility, benefits, terms and conditions of the product.
Please refer to our Starter Kit for more information. It’s really convenient with our Tune Protect App and Cashless Admission. You may contact our Third-Party Administrator, MiCare at 1-800-88-7940 (available 24 hours), who will assist you with any queries or problems you may have.
After a successful application, there will be a waiting period of 120 days for Specified Illnesses, and 30 days for any other coverage. Coverage for Accidents can be made immediately provided that the accident occurred after the policy commencement date. The waiting period is only applicable for the first year of insurance, and not for any subsequent continuous renewals.

Tel No : 1-800-88-5753 (Mon – Thurs : 9:00am to 5:00pm, Fri : 9:00am to 4:30pm)

Email : hello.my@tuneprotect.com