MDM Berhad being a medical defence organisation, and not an insurance company, does not issue members an individual insurance policy. The reinsurers which MDM Berhad subscribes have a master policy in MDM Berhad’s name.

This master policy covers all MDM members whose names are remitted to the insurance companies. This master policy is available at MDM Berhad’s office for members to refer and peruse if they so wish.