Insurance

IMU University international students are insured against outpatient GP visits and hospital admission. Students who have clinical exposure are covered additionally for personal liability/medical malpractice insurance. The insurance premium payment is paid together as part of the student visa fees for all enrolled students. A comprehensive briefing will be provided by our insurer, Tokio Marine Insurance (Malaysia) and IMU Student Services Hub (SSH) during the orientation week of Semester 1 as part of the orientation to make students aware of the insurance coverage.

Outpatient GP Panel Clinic

Students who have underlying health conditions or are caring for someone with underlying health condition, the students are to seek opinion from GP (general practitioner) in any nearby panel clinic immediately. New students will receive a welcoming e-mail from Tokio Marine 4 weeks after their enrollment date on details pertaining to their insurance app registration and log-in.

Hospital Admission

Students who are required to get admitted can always walk to any nearby panel hospitals (ER).

The nearest hospital to IMU is Columbia Asia Bukit Jalil.

Claim Submission

Below RM 500.00

Claim submissions below RM 500 per receipt, please use the International Assistance (IA) app. The panel clinic will facilitate your claim.

Above RM 500.00

Claim submissions above RM 500 per receipt, you are required to submit your claim via hardcopy documents at the Student Services Hub (SSH) such as below. The claim forms are available at the SSH.

• Insurance Claim Form: This is a standard form provided by the insurance company that needs to be filled out with relevant details about the claim.
• Original Receipts from Clinic / Hospital: These receipts serve as proof of payment for medical services or treatment received. They should clearly indicate the services provided, dates, and amounts paid.
• Medical Report / Doctor’s Diagnosis: A medical report or doctor’s diagnosis detailing the nature of the illness or injury, and the recommended treatment is usually required to support the claim. In the claim form, (Page 1 & 2 – student fill in), (Page 3 & 4 – medical report to be filled in by doctor).
• Copy of Bank Statement for Bank Account Verification: This is necessary for bank account verification purposes to ensure that reimbursements are deposited into the correct account.

Submitting these documents helps facilitate the processing of the insurance claim and ensures that all necessary information is provided to the insurance provider.

Hospital Admission Procedure and Payment

• Students needing to be admitted to hospital are to request a Guaranteed Letter (GL) via the IA app.
• If asked by the hospital, your insurance provider is Tokio Marine. Your third-party administrator is International Assistance (IA).
• Upon admission, the hospital will require you to make a deposit payment and the amount to pay varies from hospital to hospital.
• Upon discharge, the hospital will liaise with your insurance company for the payment. If the amount utilized during your hospitalization is within the coverage amount, you will not have to pay the bill. But if the amount exceeded the coverage amount, you would have to pay the remaining exceeded amount to the hospital. Hence, your deposit paid during your admission will be deducted for the exceeded charges. The hospital should refund the remaining amount of your deposit to you if it’s not fully deducted.

Request Guarantee Letter (GL) Screen via App

This is the Request GL Screen where students will be able to select from the panel providers and specialist doctors in the hospital along with the intended date of visit.

Scenario 1: Student request GL via portal and upload complete documents (attach completed admission form) for GL issuance. IGL will be issued within 1 hour and email notification “done” will be sent to student.

Scenario 2: Student request GL via portal, but documents uploaded were not complete. IA will contact the student to get complete details within 1 hours’ time and coordinate with the hospital to get admission form completed by the treating doctor. Once the completed form is received, IGL will be issued within 1 hour and email notification “done” will be sent to the student.

You are advised to make your own arrangements for further coverage should you feel that these benefits are not adequate. If you require further clarification, please do not hesitate to contact IMU Student Services Hub either at 03-2731 7562 or [email protected].

International Assistance (IA) Contact Info

The 24-hour hotline number that can be reached out to for issues with the app log-in or hospital admission.

24-Hour Hotline number: 1800-22-0911

A copy of the insurance policy (Tokio Marine) is below for your information.

Healthcare professionals who provide medical services owe a duty of care to their patients and must exercise due care and skill. If the patient suffers any bodily injury, sickness, disease, death due to the negligence of the healthcare professional, then the patient has the right to sue for the loss.

Medical Malpractice Insurance – Overseas Hospitals

All local and international students who are needing the medical malpractice insurance coverage for their elective postings / attachments / mobility programme application to an overseas hospital / facility will need to purchase this additional insurance on their own. The premium charges will be quoted by the insurance company depending on the duration and country of elective.

To obtain a quotation from the insurance provider, please follow these steps:

Medical Malpractice Compensation / Claim Made Against You

If you encounter a medical malpractice compensation / claim is made against you during your clinical exposure at a hospital / healthcare facility, do reach out to us at [email protected] by sharing your incident report with complete details. We will get back to you upon checking with the insurance provider with the appropriate advice and guidance.

To obtain a copy of your health insurance certificate for your elective posting / attachment / mobility application, please follow these steps:

Travel insurance is coverage designed to protect against risks and financial losses that could happen while traveling. The risks range from minor inconveniences such as missed airline connections and delayed luggage all the way to more serious issues including injuries or major illness. Some students may like to purchase this insurance on their own during their elective / placement travel period. To find out more about this insurance coverage, you can write in to our insurance providers as below: