BUYING RELATED QUESTIONS
MicroUmbrella will be available for signup only through our mobile apps. Hence, you have to first download the app from APPLE STORE or GOOGLE PLAY, which will only take less than 30 seconds. Once you have installed the app and signed up, you can buy all our available plans. You can also make claims through our app.
You get to see a summary of your coverage, when you sign up, and before you pay. You’ll also be able to edit your coverage such as the coverage duration, start dates and more. After payment, we will instantly issue your policy contract through the app and to your email.
Anyone buying a coverage plan from MicroUmbrella do not require medical check-up. However, for all medical insurance plans, pre-existing conditions is not covered. Examples of common pre-exiting condition are hypertension, cancer, thyroid, hepatitis B & C, depression, diabetes.
After selecting the coverage plan, you’ll be able to pay using your credit card, debit card, or available online payment. All payments are done through the app, you will not be diverted to another app or website.
You’ll be happy to know that we accept anyone, so yes, you can buy for your spouse, family members, your friends, or your newly-met colleagues. You can buy for anyone through the app, as long as you indicate clearly the insured details.
Beneficiary name refers to the person(s) that will inherit the claim money if you are deceased. If you do not key in the beneficiary name(s), the Laws will decide for you. If you had keyed in the name(s), the claim money will go directly to the named person(s) bank account.
Sadly to say, all insurance policies have fine prints. However, we have highlighted the important fine prints (with colored icons) so that you are clear what is not covered, or what is excluded. Nonetheless, we recommend you to read the policy contract (at least once) after you received it on the app.
No. You enjoy the same benefits as other consumers.
If your credit card or debit card is declined, we’ll ask you to provide us with a different one. We shall persistently remind you, but missing your premium payment will result in policy cancellation.
No. The prices are fixed, however, we reserved the rights to revise the pricing up or down depending on internal data. However, as caring organization, we strive to make our prices low and affortable to everyone.
We say we have super-low prices, and we mean it. But while our prices tend to be cheaper than the more established insurers, that won’t always be the case. Insurers use different models and statictics to set premium, and on certain occasion, our prices will be higher than someone else’s. It’s the way statistics work.
Yes, we welcome foreigners. Any foreigner can purchase as long you have valid work or study documentation.
Yes, you can. You can get relief up to RM6,000 subject to approval by Inland Revenue Board (LHDN).
CLAIMING RELATED QUESTIONS
Hassle-free! Just open the app and touch the “claim” icon. Our A.I., Eve will guide you through and the entire process will take approximately 2 minutes (if your claim description is short and simple).
After you complete the claim process on the app, you will be asked to enter your bank account information. Once your claim is approved, we’ll issue payment directly into your account.
Our goal is for the majority of simple claims to be paid within 72 hours. There will be cases in which we’ll need to fully review the event to approve the claim, especially if the claim involved another party or parties.
When you file a claim through the app, we usually ask for receipts. So we urge you keep or scan your receipts. That way, we can settle your claim instaltly. If you don’t have a record of the receipt, the claim process will be complicated. Please note that if you have a claim, we'll want to work closely with you so that you could get your claim instantly.
No. The prices are fixed, however, we reserved the rights to revise the pricing up or down depending on internal data.
Hassle-free! Just open the app and touch the “claim” icon. You’ll see your claim status.
Yes, you can change everything on the app. Once you purchased a plan for yourself or your spouse, or your you cannot change the insured name.
Yes, you can include any form of money transfer, as long the money transfer allows us to bank in money to your account.
As of now, all coverage plans cover 24/7 and worldwide. However, if we change the policy terms, we shall keep you posted and updated from time to time.
Yes, you can. Be sure to keep all original invoice and receipts, as we may require from the claimant.
APP RELATED QUESTIONS
Yes, you can download from APPLE STORE and GOOGLE PLAY STORE
Yes, you can. There is no restriction on where and when you buy.
Yes, we constantly upgrate our security to ensure your data and transaction are highly secured with the latest security system.