1. Medical Repricing Interim Measures 
Updated FAQ Available. Click here to read the updated FAQ or call us at 1300-13-8338 (press 6) for assistance. 

2. Temporary Suspension of DDA Applications 
Starting 16 January 2025, we have temporarily suspended new Direct Debit Authorisation (DDA) applications until further notice. Learn more.
 

3. Make Payments Easily via i-Great In Touch (iGIT)
Use iGIT to pay your contributions safely. Please avoid making payments through third parties.

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Medical Sustainability Guide
Medical Sustainability Guide
The Great Journey | Right Assessment, Reasonable Care – Present and Future
i-Great Nova | High coverage hibah takaful plan for family with flexible term

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
The Great Journey
Clinic & Hospital
Frequently Asked Questions

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.

Or

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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