The Great Journey

Right Assessment, Reasonable Care – Present and Future

Experience a smarter path to better savings and quality healthcare with The Great Journey, where we guide you to our trusted clinics and hospitals, ensuring you receive the right care from the start. With The Great Journey, you will not only enjoy value-added services that creates seamless and supportive experience but also benefit from a more affordable costs along the way.

Participate in our Plan here

How The Great Journey Work?

1. For clinic consultation without hospital admission at The Great Journey Clinics

First step

Customer not feeling well. Search for The Great Journey Clinic.

Second step

Diagnosed with dengue fever (Eligible Conditions). Customer pays 5% of clinic bill. 95% of clinic bill covered by your medical plan.

Last step

Health condition is improved and no hospital admission required, customer is all well and did not incur any additional hospitalisation costs!

Example:

Total Bill: RM100

You pay: RM5 (5% co-takaful on total bill RM100)

Your medical plan covers: RM95 (95% co-takaful on total bill RM100)

2. For clinic consultation at The Great Journey Clinic and hospital admission at The Great Journey Hospital

First step

Customer not feeling well. Search for The Great Journey Clinic.

Second step

Diagnosed with dengue fever (Eligible Conditions). Customer pays 5% of clinic bill. 95% of clinic bill covered by your medical plan

Last step

Referred for admission at The Great Journey Hospital. Customer only pays deductible amount (aggregated with co-takaful amount paid in clinic).

Example (Clinic)

Total Bill: RM100

You pay: RM5 (5% co-takaful on total bill RM100)

Your medical plan covers: RM95 (95% co-takaful on total bill RM100)

Example (Hospital)

Total Bill: RM10,000

You pay: RM495 (RM500 Deductible – RM5 paid at clinic)

Your medical plan covers: RM9,505

3. For emergency admission at any hospital

First step

For emergency case (life-threatening medical condition or Injury) to prevent death or serious health condition.

Second step

Go to emergency department of any nearby hospital.

Last step

If condition considered as emergency, co-payments will be waived for emergency treatment.

If condition is not considered as emergency, additional 20% co-takaful (up to RM20,000 per certificate year) on total bill net of deductible will be applicable.

Example (Emergency

Total Bill: RM10,000

You pay: RM0

Your medical plan covers: RM10,000

Example (Non-Emergency)

Total Bill: RM10,000

You pay: RM2,400 (RM500 Deductible + RM1,900 (20% co-takaful)

Your medical plan covers: RM7,600

4. For consultation and admission NOT at The Great Journey Clinic & Hospital

First step

Customer not feeling well. Visit Clinic NOT listed under The Great Journey Clinics.

Second step

Diagnosed with dengue fever (Eligible Conditions). Customer pays 100% of clinic bill. You will be reimbursed as pre-hospitalisation benefit.

Third step

Admitted to Hospital NOT listed under The Great Journey Hospital. Additional 20% co-takaful will be applicable on total bill net of deductible.

Example (Clinic)

Total Bill: RM100

You pay: RM100

If hospital admission is required, you will be reimbursed 100% on total clinic bill paid as pre-hospitalization benefit under your medical plan.

Example (Hospital)

Total Bill: RM10,000

You pay: RM2,400 (RM500 Deductible + RM1,900 (20% co-takaful)

Your medical plan covers: RM7,600

Things you should know

A deductible is a fixed amount that you must pay out of your own pocket for eligible medical expenses before your medical coverage begins to pay.

For example, if your deductible is RM500 and your hospital bill is RM2,000, you pay the first RM500 and your medical plan will cover the remaining RM1,500.
Co-takaful refers to the percentage of eligible medical expenses that you are responsible for paying after your deductible has been met. It means that both you and your medical plan share the cost—each paying a portion of the approved medical expenses.

For example, if your co-takaful is 20%, and your eligible hospital bill (after deductible) is RM5,000, you will pay RM1,000 (20%) and RM4,000 (80%) will be covered under your medical plan.

Co-Payment	i-Medi Shield Rider	i-Medi Evolusi Rider
Deductible	RM 500 / RM 1,000 / RM 2,000 / RM 5,000 Deductible per disability. Not applicable for emergency treatment (Accident) cases and treatment sought from Malaysian Government Hospitals.	RM 500 / RM 3,000 / RM 20,000Deductible per rider certificate year.Not applicable for: - Emergency Treatment - Outpatient Treatment for follow up treatments arising from cancer or kidney dialysis - Treatment sought from Government Healthcare Facilitie
Co- Takaful	20% Co-Takaful applicable for claims exceeding the Overall Medical Limit (OML).	Co-takaful is only applicable if Person Covered does not completely follow GREAT Journey. Co-Takaful for Outpatient Treatment: - GREAT Clinic: 5% co-takaful shall apply up to RM500 per cert year - Non-GREAT clinic: 20% co-takaful shall apply up to RM 20,000 per cert year

For customers who do not follow the GREAT Journey for hospital admission, customers need to pay deductible plus 20% co-takaful up to maximum RM 20,000 (inclusive of co takaful for Outpatient Treatment and deductible).

Step 1				Step 2
GREAT Clinic	12 Eligible Conditions	Clinic Bill paid by Customer	Clinic Bill paid by GETB	GREAT Hospital	Deductible (RM)	Additional Co-Takaful (RM)	Hospital Bill paid by Customer	Hospital Bill paid by GETB
Yes	Yes	5% of total bill	95% of total bill	Without admission	Not applicable	Not applicable	Not applicable	Not applicable
Yes	No	100% of total bill	0	Without admission	Not applicable	Not applicable	Not applicable	Not applicable
Yes	Yes	5% of total bill	95% of total bill	Yes	500	Not applicable	RM500 (deductible) – 5% co-takaful paid at Clinic	Balance of hospital bill, net of deductible and 5% co-takaful paid at clinic
Yes	No	Self-pay 100%	100% clinic bill (Reimbursemen under Pre-Hospitalisation Benefit)	Yes	500	Not applicable	RM500 (Deductible)	Balance of hospital bill, net of deductible
No	Yes	Self-pay 100%	100% clinic bill (Reimbursemen under Pre-Hospitalisation Benefit) 80% of clinic bill will be reimbursed if hospitalisation is not required	No	500	20% up to maximum RM20,000	RM500 (deductible) + 20% of total hospital bill net of deductible	Balance of hospital bill net of deductible and 20% co takaful paid

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The Great Journey

Right Assessment, Reasonable Care – Present and Future

How The Great Journey Work?

Things you should know

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