Medical insurance for international students

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

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. 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). In order to claim under this benefit, the treatment must also be rendered between 10pm to 8am.

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.

Please see below for the nearest panel clinics and hospitals in the Sunway area. If you require medical attention, please download the list.

Panel Clinics nearest to Monash University Malaysia

For other panel clinics and hospitals closest to you, you may check on the MiCare MyMed app or MiCare portal.

Alternatively, you may view the list of panel clinics here.

Panel Hospital nearest to Monash University Malaysia

For other panel clinics and hospitals, you may check on the MiCare MyMed app or MiCare portal.

Alternatively, you may view the list of panel hospitals here.