IHM Assist can arrange for hospital admission and issuing Guarantee Letters for qualified medical expenses due to hospitalisation.

• Emergency Medical Evacuation
  IHM Assist arranges and pays for the air and/or surface transportation, communication and all usual ancillary services for moving members to the nearest hospital in Malaysia where appropriate medical care is available.
• Emergency Medical Repatriation
  IHM Assist will arrange and pay for the return of member to his/her place of residence in Malaysia following an emergency evacuation for subsequent in-hospital treatment in a place outside the place of residence in Malaysia.

Note: IHM Assist will provide for services in respect of Emergency Medical Evacuation, Emergency Medical Repatriation necessitated by accident, illness or death of member occurring when member is travelling more than 100 KM from the place of residence in Malaysia.

• Emergency Medical Evacuation
  - IHM Assist will arrange and pay for the air and/or surface transportation, communication and all ancillary services for moving member to the nearest hospital where appropriate medical care is available.
• Emergency Medical Repatriation
  - IHM Assist will arrange and pay for the return of member to Malaysia following an emergency medical evacuation for subsequent in-hospital treatment in a place outside Malaysia.
• Repatriation of Mortal Remains
  - IHM Assist will arrange and pay for the transportation of member’s mortal remains from the place of death to Malaysia or arrange and pay for burial at the place of death.
• Compassionate Visit and Hotel Accommodation
  - IHM Assist will arrange and pay for one economy return air ticket for a compassionate visit if you are hospitalised outside Malaysia for more than 7 days.
  - IHM Assist shall pay for the accommodation expenses of your companion up to US $1,000.00.
• Return of Dependent Child
  - Accompanying dependent children (under 16 years) can be arranged to be sent home, if they are unattended as a result of your hospitalisation.

Note:

• IHM Assist will provide services in respect of Emergency Medical Evacuation, Emergency Medical Repatriation and Transportation of Mortal Remains necessitated by accident, illness or death of member occurring when member is travelling outside Malaysia for a period not exceeding ninety (90) consecutive days on any one trip.
• Medical Evacuation and Repatriation are carried out as a result of serious medical condition and subject to the following terms and conditions:-
  • Part I – Definition SERIOUS MEDICAL CONDITION
    Means a condition which in the opinion of the appointed Assistance Company constitutes a serious medical emergency requiring urgent remedial treatment to avoid death or serious impairment to the Member’s immediate or long term health prospects. The seriousness of the medical condition will be judged within the context of the Member’s geographical location, the nature of the medical emergency and the local availability of appropriate medical care or facilities.
  • Part II – Terms and Conditions
    
    • PRE-EXISTING CONDITIONS
      Means any medical condition in respect of which the Member has been hospitalised during the twelve (12) months period immediately prior to the first day of the membership or any medical condition that has been diagnosed or treated by a medical practitioner including prescribed drugs within the six (6) months period prior to the first day of the membership.
    • EXCLUSIONS
      The following treatment, items, conditions, activities and their related or consequential expenses are excluded from the programme and IHM Assist shall not be liable for: -
      - Pre-existing conditions as defined.
      - Emergency Medical Evacuation or Repatriation or cost not approved in advance and in writing by the Assistance Company and/or not arranged by Assistance Company. This exclusion shall not apply to Emergency Medical Evacuation from remote or primitive areas, which the Assistance Company cannot be contacted in advance and delay might reasonable by, expected to result in loss of life or extreme prejudice to the member’s prospect.

- IHM Assist will give you referral information on dentist, clinics or a doctor.
- IHM Assist only give referrals and is not liable or responsible for members’ condition.

IHM Assist will provide the following services to its members calling IHM Assist Centre in KL at any time 24-hours a day and 365 days a year when they are travelling outside Malaysia for a period not exceeding 90 consecutive dates on any one trip: -

• Telephone Medical Assistance
  - IHM Assist will provide medical advice to the members over the telephone.
• Medical Service Provider Referral
  - IHM Assist will provide the name, address, telephone number and, if requested by the member and if available, office hours of physicians, hospitals, clinics, dentists and dental clinics (collectively, "Medical Service Provider").
  - IHM Assist shall not be responsible for determining the appropriate medical speciality for handling the member’s particular problem nor for providing medical diagnosis or treatment.
  - The final selection of the Medical Service Provider shall be the responsibility of the member and IHM Assist shall not be liable in respect of any consequences arising out of or howsoever cause by the services provided by the Medical Service Providers referred by IHM Assist.

- IHM Assist will assist the member to arrange for appointments with general practitioners or specialised doctors.
- IHM Assist will not be responsible or pay for any consultation fees or other costs incurred by the member when consulting with doctors referred by IHM Assist.
- If the medical condition of the member is of such gravity that hospitalisation is needed, IHM Assist will assist the member by arranging for hospital admission.

- Please refer to "Hassle-Free Payment System"

- IHM Assist will monitor the member’s case while hospitalised by liasing with the member and the treating physician or doctor.

• Information on visa and inoculation requirements
  - IHM Assist shall provide information concerning visa and inoculation requirements for foreign countries, as those requirements are specified from time to time in the most current edition of the World Health Organisation Publication "Vaccination Certificated Requirements and Health Advice for International Travel Information" (for visas) prior to the member travelling overseas.
• Weather Information
  - IHM Assist shall provide the member with information concerning weather and temperature for major cities of foreign countries.
• Embassy referral
  - IHM Assist shall provide information to members regarding the address, telephone number and hours of opening of the nearest appropriate consulates and embassies, if requested by the member.
• Interpreter referral
  - IHM Assist shall, upon requested by member, provide information to members regarding the address, telephone number and hours of opening of referred interpreters.
• Legal referral
  - IHM Assist will provide the members with the name, address, telephone numbers and office hours for referred lawyers and legal practitioners.
  - IHM Assist will not give any legal advice to the member.
  - The final selection of the lawyer or legal practitioner shall be the responsibility of the member.

Should you require any automobile assistance in the event of your vehicle breaking down, IHM Assist can arrange for (but at your own cost): -
- Emergency Towing to selected garages
- Roadside Repair.
- Hotel Accommodation.