Medical
Insurance
At Aarrohi, we make it easier to find the right medical insurance plans in Malaysia — whether you're protecting your family, your team, or yourself. With access to a variety of health coverage options, we help you choose a plan that fits your needs, budget, and long-term well-being.
VIEW OUR OFFER
- Medical Insurance products
What Do We Offer
Protect your business, assets, and financial well-being with our wide range of insurance solutions designed to safeguard you from unexpected events. Our offerings include:
Individual Health Insurance
A health insurance policy that provides medical coverage to a single person. It typically covers hospitalization, surgery, medical tests, and doctor consultations. The sum insured is dedicated to the individual alone, ensuring full benefit utilization.
Family Floater Insurance
A single policy that covers the entire family (typically spouse, children, and sometimes parents) under one sum insured. The coverage can be used by any insured member as needed, making it a cost-effective option for families.
Group Health Insurance
A health plan offered by employers or organizations to their employees or members. It provides standardized coverage and is often more affordable, but benefits may be limited compared to individual plans and usually end when employment does.
Critical Illness Insurance
Provides a lump sum payout upon diagnosis of specific life-threatening illnesses like cancer, heart attack, stroke, or kidney failure. This helps manage treatment costs, lifestyle changes, or income loss during recovery.
Personal Accident Insurance
Covers medical expenses, disability, or death resulting from accidents. Benefits may include hospital expenses, loss of income, or compensation for permanent or partial disability, ensuring financial protection during unexpected injuries.
Maternity Insurance
Covers expenses related to pregnancy and childbirth, including prenatal and postnatal care, delivery (normal or C-section), and sometimes newborn care. It usually comes with a waiting period and is often included as a rider or add-on.
Senior Citizen Insurance
A health insurance policy specifically designed for individuals aged 60 and above. It provides financial coverage for age-related medical issues, hospitalizations, and chronic illnesses.
- FAQ
Frequently Asked Questions
Why Do I Need Health Insurance?
Health insurance is essential because it protects you from high medical costs, ensures access to quality care, and provides financial peace of mind in case of illness or emergencies.
Why Should You Get Health Insurance When You Are Young?
Getting health insurance when you’re young is smart because it’s more affordable, protects you from unexpected medical costs, and ensures access to quality care when needed. It also helps build a habit of responsible financial planning early in life.
What does a typical health insurance plan cover?
Hospitalization, surgery, day care procedures, pre- and post-hospital care, and sometimes critical illnesses.
Can I get tax benefits with health insurance?
Yes, premiums paid are eligible for tax relief under medical insurance categories.
Can I have more than one health insurance policy?
Yes, you can have multiple policies and claim from them as per policy terms (usually one as primary, others as backup).
Do I need a medical check-up before buying a policy?
It depends on your age, policy type, and sum insured. Older applicants or higher coverage may require a medical exam.