• Sun Maximed-i

Hospitalisation & surgical benefits

Comprehensive coverage for hospitalization expenses, surgical and also non-surgical fees, with six benefit level options available for selection to best suit your financial needs.

Deductible & base period alignment

Six different levels of deductible to choose from, depending on your needs.

You also have the option to align your deductible period with your existing medical protection plan by adjusting the deductible anniversary, to truly complement your base medical coverage.

No lifetime limit


High overall annual limit up to RM2,000,000 with no lifetime limit i.e. you need not worry about maxing out your health coverage when you need it the most.

Best doctor services*


A platform that connects you with world leading medical experts, allowing you to learn more aboutyour health condition and the treatment that suits you best. Services include:

  • InterConsultationTM Service
  • DocOnLine (Online Doctor)
  • AskTheExpert Service

Family discount

10% family discount when your immediate family members sign up together with you. Individual contracts will be issued to each person covered.

Retirement option**

An option to reduce your deductible amount to zero and turn Sun MaxiMed-i into full plan with no further underwriting when you are between the age of 55 to 59 so that you can continue to enjoy adequate protection when you need it most.


Protection continues even after you move on to a new job or after you have retired.

Additional tax relief

Tax relief under takaful contribution for medical takaful benefit in addition to the usual tax relief for family takaful and Employees Provident Fund (EPF).

Plan Benefits Plan 20K (RM) Plan 30K (RM) Plan 50K (RM) Plan 75K (RM) Plan 100K (RM) Plan 200K (RM)
A) Hospital Room and Board1  
Hospital Room & Board (Maximum 180 days per deductible year) 200 200 250 250 350 500
Intensive Care Unit (Maximum 60 days per deductible year) As Charged
B) Hospitalisation Expenses  
Hospital supplies and services As Charged
C) Expenses for Surgical Cases  
Surgical Fees (subject to Surgical Schedule)








As Charged

Anaesthetist’s Fees
Operating Theatre Fees

Pre-Hospital Diagnostic Services (within 90 days prior to hospital admission)

Post-Hospital Treatment (within 60 days after hospital discharge)

Emergency Accidental Dental Treatment (within 24 hours after the Accident)

Emergency Outpatient Accidental Treatment (within 24 hours after the Accident)

Day Surgery Procedure

Emergency Outpatient Sickness Treatment (During 12am and 6am each day) 
Ambulance Fees
Major Organ Transplant(once per life time) 
Medical Report Fees 100 100 100 100 100 100
Out-patient Cancer Treatment
As Charged
Out-patient Kidney Dialysis Treatment
Home Nursing Care (maximum per disability)  500 500 1000 1000 1500 2000
Daily Guardian Allowance (up to 45 days per deductible year, for person covered below age 18) 100 100 100 100 100 100
Emergency Evacuation and Repatriation As Charged
Government Hospital Allowance (maximum 180 days per deductible year) 50 50 50 50 50 50
Service Tax As Charged

Deductible (per deductible year)







Overall Annual Limit (per deductible year)







1 In the event of upgrading the room and board, the person covered will bear the full differences between the actual charges and the eligible room and board benefit and 10% of the other eligible benefits under the hospital bill. 

2 Covers the cost of major organ transplant of the person covered, as the recipient of the organ harvested and not the living donor.


Contributing Term and Payment  

The contribution that you have to pay varies by plan, occupational class and attained age, subject to underwriting. It is payable throughout the contract term. 

Occupational Class 1 & 2: Occupational Class 1 refers to administrative or clerical work - Solely in office (Non-hazardous places). Occupational Class 2 refers to supervisory or travelling outside (for business purposes but not engaging in manual labour)

Occupational Class 3: Manual work - Occasional or regular (Involving the use of tool or machinery but in nonhazardous 

Occupational Class 4: Manual work – Industrial workers using machinery or unskilled workers

For full details please refer to the product brochure. 

  Person Covered Contract Holder

Minimum age of entry

30 days old

18 years old

Maximum age of entry

60 years old

No limit

Maximum expiry age

90 years old

Not applicable

*Best Doctors is not insurance/Takaful and it does not replace your relationship with your current doctor or medical specialist. Sun Life Malaysia Takaful Berhad reserves the right to withdraw the service or to change the terms on which the service is provided to customers at any time.

** The contract must have been inforced for at least 5 years.



This product is managed by Sun Life Malaysia Takaful Berhad (689263-M), a Takaful Operator registered with Bank Negara Malaysia under the Islamic Financial Services Act 2013.

Disclaimer: The description of the features and benefits of the takaful product herein is not a contract/certificate of family takaful and is only a brief summary of the takaful product for quick and easy reference. The complete terms and conditions of the takaful product are contained in the Contract/Certificate Document of Sun Life Malaysia Takaful Berhad (689263-M), the Takaful Operator.

CIMB Islamic Bank Berhad ("Bank") accepts no responsibility, obligation or liability for this takaful product and the services provided by the Takaful Operator. The Bank merely acts as a distributor for this takaful product. This takaful product is Sun Life Malaysia’s product and not a product of the Bank. Therefore this takaful product is not guaranteed by the Bank, its subsidiaries and/or its affiliates and the Takaful Operator shall undertake the full responsibilities, obligations and liabilities in respect of this takaful product.

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