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iSynergy Alpha Medi-Charge Card is a payment card for the cardholder to charge medical expenses at participating clinics including specialist and dental without having to carry cash. The card is also a management tool for companies to manage their medical expenses more effectively and efficiently, while at the same time providing employees the convenience of seeking medical services and paying for such services without hassle.


Special features

You need only produce your Card at participating clinics. You can:
  • Pre-set medical expenditure limits for each visit as well as cumulatively for a month
  • Prevent access to clinics by ex-employees by just notifying instead of the entire panel of clinics.
  • Be assured that only the employees and their approved family members receive medical care via the Cards
  • Streamline payments for employees' medical expenses by making only one payment to monthly instead of making separate cheques to each clinic on the panel
  • Receive monthly and yearly reports on medical expenditure incurred by each employee with name of clinics visited and amount, enabling better control over such expenditure.

You have a choice of seven card types, Pearl, Ruby, Jade, Sapphire, Silver, Gold and Platinum.

You can also pre-set the charge limit per visit and the cumulative spending limit per month for each card. The charge limit per visit can be preset at RM30 for Pearl, or RM50 for Ruby card for your officers/junior staff or RM500 for the Platinum Card for senior management staff.

Alpha Medi-Charge Card is not only a charge card for making payments at clinics but it also comes with a free comprehensive hospital & surgical insurance benefit of up to RM250,000 overall annual limit as well as a personal accident insurance of up to RM250,000 with bereavement benefits up to RM5,000 depending on the type of Card.

It also provides cardholders with worldwide emergency referral services that include medical, travel, and legal services. The cardholder just needs to make a phone call to the 24 hour international SOS alarm center for emergency assistance.

Silver, Gold or Platinum cardholders also get assistance for guaranteed hospital admission overseas as well as medical evacuation or repatration in the event of medical emergencies.

SCHEDULE OF BENEFITS
                 
Benefits (RM)
(Limit any one disability)		 Pearl Ruby Jade Sapphire Silver Gold Platinum
Hospital and Surgical benefits
1 Hospital room and board
(max 90 days)		 80 100 150 200 250 300 350
2 Intensive Care Unit (max 20 days) 160 200 300 400 500 600 700
3 Hospital miscellaneous services ---As charged---
4 Surgical Fees ---As charged---
5 In-hospital doctor's visit
(max 90 days)		 ---As charged---
6 Pre hospital specialist consultation ---As charged---
7 Pre hospital diagnostic tests
(31 days prior to admission)		 ---As charged---
8 Emergency Accidental Outpatient Treatment(within 24 hours) ---As charged---
9 Post hospitalisation treatment
(within 31 days from discharge)		 ---As charged---
10 Outpatient Physiotherapy treatment 1 000 1 000 1 500 2 000 2 500 2 500 3 000
11 Emergency Sickness Treatment
(between 12 midnight to 6 a.m.)		 160 200 300 400 500 600 700
12 Emergency Accidental Dental Treatment 160 200 300 400 500 600 700
13 Ambulance Fees 80 100 150 200 250 300 350
14 Government hospital daily cash allowance (Max 90 days) Nil 30 40 45 50 50 55
15 Monthly Outpatient Kidney Dialysis and Cancer Treatment 500 500 1 000 1 500 2 000 3 000 3 500
16 Organ Transplant 10 000 10 000 20 000 30 000 40 000 45 000 50 000
17 Government Service Tax 5% 5% 5% 5% 5% 5% 5%
OVERALL ANNUAL LIMIT 15 000 30 000 40 000 50 000 80 000 100 000 150 000
Personal Accident Insurance
18 Accidental Death and Permanent Disablement (Adult) 15 000 30 000 50 000 80 000 120 000 150 000 200 000
19 Bereavement benefits 1 000 1 000 1 500 2 000 2 500 3 500 5 000