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Sorry your pet may not be eligible for insurance currently 😞
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Note: this applies to the Conventional pet insurance policy (underwritten by MSIG).
A deductible is a small fixed amount you cover yourself on a claim, before your reimbursement starts. If your plan has one, it'll be RM100 or RM200, and it's shown on your policy schedule.
How it works: the deductible is applied per bill, and it comes after your co-payment. So the order on any eligible bill is:
1. Co-payment first (for example 10%), then 2. the deductible (RM100 or RM200).
An RM800 eligible bill, on a 10% co-pay with an RM100 deductible:
A deductible only applies if it's printed on your schedule. If there's none listed, none applies 💛
Oyen® Pet Insurance is a digital-first insurance agency for consumer insurance products like pet insurance in Malaysia.
We are a registered takaful agent for Zurich General Takaful Malaysia Berhad (201701045981) and insurance agent of MSIG Insurance (Malaysia) Bhd (197901002705).
Emerge Insurtech (M) Sdn Bhd (202101001225):
Formerly known as Riskflow Sdn Bhd
Level 28, GTower, Jalan Tun Razak,50450 Kuala Lumpur, Malaysia
t: +6016 299 6840 (9am-5pm, Mon to Fri)
email: hello@oyen.my
