Medical insurance

The Ministry of Higher Education Malaysia (MOHE) requires all international students to have a valid medical insurance policy throughout their period of study in Malaysia. Proof of medical insurance coverage is required to complete the Student Pass endorsement and is a condition of the student pass.

All international students will be covered with medical insurance from an insurer appointed by Monash University Malaysia. You will be insured from the date you enter Malaysia by informing us of your arrival date.

It is your responsibility to renew your Student Pass on a timely basis to ensure that you have uninterrupted insurance coverage throughout the entire duration of your studies at Monash University Malaysia. You are required to purchase medical insurance through Monash University Malaysia for the purposes of applying for your Student Pass endorsement.

Schedule of Benefits

GROUP HOSPITAL & SURGICAL
 TABLE OF BENEFITSPLAN 1
1 Hospital Room & Board (Daily max up to 120 days) 200
2Intensive Care Unit (Daily max up 30 days) 350
3Hospital Supplies and Services Full Reimbursement subject to Overall limit provided the charges are within the recommendation of the MMA Guidelines and Reasonable and Customary charges
4Surgeon Fee
5Anesthetist Fee
6Operating Theatre Charges
7Daily In-Hospital Physician’s Visit (Max. 120 days)
8 Pre-Hospital Diagnostic Tests
(within 31 days before hospital confinement)
9 Pre-Hospitalisation Specialist Consultation
(within 31 days before hospital confinement)
10 Second Surgical Opinion
(within 31 days before hospital confinement)
11Post-Hospitalisation Treatment
(within 60 days from hospital discharge) 
12 Emergency Accidental Outpatient Treatment
(within 24 hours after the accident & follow-up up to 60 days) 
13Daycare Procedure
14 Ambulance Charges (by road)
15Government Service Tax
16Government Hospital Daily Cash Allowance (Max. 120 days)150
17 Medical Report Fee Reimbursement 200
18 Accidental Dental Treatment
(within 24 hours after the accident & follow-up up to 14 days) 
20,000
19 Annual Outpatient Cancer Treatment 20,000
20 Annual Outpatient Kidney Dialysis Treatment 20,000
21Outpatient GP and SP Treatment (Annual Limit) (SP with Panel GP Referral) 3,000
22SP with Direct Access (Deductible Amount Per Claim)(ITEM 21) *For Policy FY202250
23 Emergency Sickness Treatment (10pm - 8am)  * For Policy FY2022100
 OVERALL ANNUAL LIMIT (PER PERSON)30,000
24 Funeral Expenses 2,000
25 Mental Illness (pay & file) (Annual Limit) * For Policy FY2022 1,000
26 Emergency Medical Evacuation / Repatriation
(pay & claim for Repatriation benefit - send back to home country)
200,000
27 Compassionate Visitation Benefit 5,000
28 Reimbursement Of Tuition Fees Due To Prolonged Period Of Disability (Per Semester) 10,000
29 Accidental Death Benefit 50,000

Insurance policies commencing on 1 January 2022 include new enhance benefits comprising of specialist visits without a referral letter are now claimable subject to co-payment of RM 50, mental illness benefit, emergency sickness treatment benefit

You may view the full schedule of benefits to know what is covered under the policy. Please note that it excludes claims for Covid-19 Test or hospitalisation, surgery or charges caused by Covid-19 as it is a communicable disease requiring quarantine by law.

The appointed insurer by Monash University Malaysia is AXA. You will be able to view the insurance details by accessing the MiCare portal and app.

Please note that it may take up to 14 working days for your details to be updated in these apps from the time a request is made to the insurance company for your insurance cover note.

MiCare Portal and MyMed App

MiCare is a third party administrator (TPA) appointed by the insurer. Accessing your policy details is simple and convenient through the MiCare Portal and MiCare MyMed App. The app can be downloaded from the AppStore (iOS) or Google Play (Android).

Through the apps, you will be able to:

  • view your e-medical card (via app only)
  • submit your claim
  • locate the nearest panel medical provider
  • request for an outpatient specialist guarantee letter
  • view your insurance benefits and claims history

Accessing your policy through MiCare Portal and MyMed App

Access the MiCare portal or MyMed app (download from the AppStore (iOS) or Google Play (Android)). Your login details are as follows:

User ID : MUM followed by your passport number without ‘-’ e.g: MUMA1234560

Default Password : Your birthdate with format ddmmyyyy eg 15051997.

If you visit a General Practitioner (GP) clinic or specialist for treatment without being admitted (staying overnight) at a medical centre, you will be categorised as seeking outpatient treatment.

Seeking medical treatment at a panel clinic (GP)

By using the e-medical card (available in MyMed App), you may seek medical care at a panel clinic on a cashless basis. The MyMed app also enables you to locate a panel clinic or hospital closest to your location.

STEP 1: Produce your passport and e-medical card at the clinic.

STEP 2: The clinic will scan the QR code in the Mymed app for verification.

STEP 3: See the doctor

Note that you will need to pay for medication not covered under the policy or if you have exhausted your policy entitlement limit.

Seeking medical treatment at a non-panel clinic (GP)

You are advised to visit a non-panel clinic only in an emergency, if the nearest panel clinic is closed, or no panel clinics are available within a  5 kilometers radius from your location.

For visits to a non-panel clinic (GP), you will need to pay for the medical bills first and submit a claim to the insurer directly through the MiCare app or portal. All claims must be submitted within 30 days of the event and will be subject to approval by the insurance provider. See Reimbursement of Medical Expenses Claims for claims submission.

Seeking treatment at the Accident & Emergency Unit (A&E) of a hospital

Visiting the Accident and Emergency Unit of a hospital is only allowed for justifiable emergencies or unless the nearest panel clinic to your location is closed. Emergency is defined as a life or limb threatening situation where should treatment be not received within 24 hours, it could lead to death. In order to claim under this benefit, the treatment must also be rendered between 10pm to 8am.

The insurance policy will only pay up to RM100 if your treatment at the A & E does not lead to an admission (overnight stay at the hospital).

For further details, kindly contact the MiCare 24-hour hotline at 1-300-88-9979.

Seeking outpatient specialist treatment

If you visit a specialist for treatment without staying overnight, you will be categorised as seeking outpatient specialist treatment.

STEP 1: You must visit a panel clinic (General Practitioner) and obtain a  referral letter before seeking medical treatment with  a specialist. It is mandatory to have a referral letter unless it is an emergency situation.

STEP 2: Upload the referral letter on the Micare app or portal to request for a Guarantee Letter. This should be done at least 3 days before your specialist appointment.

STEP 3: Produce your passport and e-medical card at the hospital registration counter.

For further assistance, please contact the MiCare 24-hour hotline at 1-300-88-9979

If you are admitted overnight at a panel hospital:

STEP 1: Produce your passport and e-medical card at the hospital registration counter. The hospital will arrange with MiCare for your Guarantee Letter to be issued.

STEP 2: You may need to pay a deposit subject to the hospital’s admission policy.

STEP 3: Get admitted into the hospital upon the issuance of a Guarantee Letter by the insurer.

For assistance with hospital admissions, please contact the MiCare 24-hour hotline at 1-300-88-9979.

Please note the following:

When admitted in a panel hospital, the insurer (AXA) will settle your medical bills directly with the hospital and your deposit, less any expenses not covered by  the policy (additional meals, newspapers etc), will be refunded to you upon discharge.

If you have visited a non-panel clinic or hospital, you would need to submit your medical expenses reimbursement claim directly to the insurer through the MiCare portal (e-Claims).

What is e-Claims?

e-Claims allows you to submit outpatient claims with scanned receipts via the MiCare portal. Note that this is only applicable for outpatient claims (e.g: outpatient GP or outpatient specialist).

Turnaround time for claims processing by the insurer is approximately 14 working days and is subject to you submitting all required information.

Submitting your claims

Access the MiCare portal or MyMed app (download from the AppStore (iOS) or Google Play (Android)). Your login details are as follows:

User ID : MUM followed by your passport number without ‘-’ e.g: MUMA1234560

Default Password : Your birthdate with format ddmmyyyy eg 15051997.

Required Documents

Outpatient Claims

All non-panel outpatient claims must be submitted online using the MiCare MyMed app. Note that you are required to keep the original receipt and bills for up to 12 months for claims verification..

Documents required for e-claims submission are

  • Medical bill. The bill must be itemised for claims above RM 150 (Outpatient General Practitioner) and RM 300 (Outpatient Specialist)
  • Receipts
  • Referral Letter (for specialist claims)

Inpatient Claims

  • Claims for admission to a non-panel hospital (inpatient) must  be submitted with hardcopy documents and sent to:

AXA Affin General Insurance Berhad, Level 26, Wisma Goldhill, No. 67, Jalan Raja Chulan, 50200 Kuala Lumpur, Malaysia.

Tel.: +603 2612 3455   Fax: +603 2148 7486

Attn : Yap Jing Yee & Hamimah Muhammad Sharif

Documents required include:

  • GHS Claim Form completed by the claimant
  • Original Tax Invoice/Bill (the invoice/bill must be itemised)
  • Original Official receipt
  • Lab / Investigation Report(if any)

You are advised to make a copy of the documents for your own records.

Covid-19 Exclusion

Your medical insurance does not cover any claims related to Covid-19..

For further assistance

AXA MiCare Contact Centre (24 hours)Contact details
General Enquiries
  • Admission to Hospital
  • Panel Clinics & Hospital Location
  • MyMed Apps / Micare Portal
  • Claim Enquiries
  • Outpatient & Others

Press ‘2’ when prompted by the Interactive Voice Response system to proceed with your enquiries.

Tel: 1-300-88-9979
Email: callcenter@micaresvc.com
Further escalationContact details
(Office Hours Only : 8.30 am - 5.30 pm)
  • No response from MiCare call centre
  • Call centre response stating your name is not registered
  • Claims escalation
Tel: +603 2723 0500
Email: muminsurance@willistowerswatson.com