If this is not a deal breaker, then you’ll be glad to know it does not have co-insurance or co-payment due to room & board upgrade, It also does not have a separate limit for outpatient cancer treatment and kidney dialysis, which is good. Think of it like renewing your car insurance after a major accident. Pingback: The Best Saving Plan in Malaysia with Guaranteed Life & Cash Value (3 Types) | CF Lieu - Independent Financial Adviser, hi which insurance is that with overseas coverage in your video? This scenario normally requires approval from central bank and it affects every policy holders having that medical card (does not discriminate or single anyone out), By the way, visitors to this page also frequently ask – “Can I buy a medical card which covers me in foreign countries?” or “Can foreigner buy medical insurance in Malaysia?”. What it means by this is that if you are in “As Charged” R&B rate, you are entitled for the amount for reimbursement is limited up to 2 basic categories of Single-bedded Room available in the hospital. Policy Documents will be sent to policy holder’s email within 3 days. Could be a cost effective, short-to-mid term medical coverage solution for expatriates living in Malaysia; say, for someone spending 2 years in the country on a work visa. Great Eastern SmartMedic is a medical rider for investment-linked insurance plans by Great Eastern. You don’t, agree? AIA medical card is the Best medical insurance in Malaysia? How much do you think your Malaysian insurer is going to reimburse you? Great Eastern shares were trading up seven Singapore cents at S$25.92 as at 4.25pm on Thursday. ‎Presenting Great Eastern’s new logo and icon. Did you scroll all the way to the right? Guaranteed renewable at your option (which is desired), versus conditional renewal for similar medical card offered by most general insurers’ offerings, As low as RM37 per month for individual medical card, As low as RM150 per month for family of 4 with AXA eMedic Family Plan (annual limit for each family member is separate, not combined – which is good), Surprisingly affordable because the premium can get even below RM 1,000 a year even for the highest plan (Annual limit 100k) when deductible feature is chosen. Instead, it replaces them with this – Med Value Point. It has been succeeded by the newer AIA A-Plus Health medical card (flagship product). Features which we feel could make AXA eMedic even better: • More options for Room & Board daily rate, other than the one and only RM 250.• Lowest annual limit is RM 20,000 which is way below what we consider the bare minimum today. Updates (as of 10/12/2012): Increased overall lifetime limit of Great Eastern Smart Medic. Please include it. We Always Give The Best to Our Customers ( Family Medical Card, Medical Card with Saving, Investment Plan, Saving Plan ) My combined sum assured for accidental death from Great Eastern's personal accident policies GREAT Protector, GREAT Personal Protector and/or GREAT Protector Active exceeds S$1million. Medical costs have escalated around the world and this is no different in Malaysia. However, comparing Med Value Point with lifetime limit, it loses out slightly because other medical cards have no lifetime limit while PruValueMed only covers 80% of the eligible benefit exceeding Med Value Point. Fact is, medical card products from major insurance companies in Malaysia are always evolving rapidly, ever-trying to outdo each other to become the best medical insurance or the top medical card in Malaysia, at least in the eyes of consumers. Ease your burden with a medical card that pays 100% of your medical bills. 1 talking about this. Another best thing about Allianz medical card is that it specifically states, in the quotation, to include. Pros: No limit on the number of annual confinement days and high annual limit of RM 2.2 million, plus having outpatient stroke coverage which none other medical card in comparison has this benefit. I have been a diabetic type 2 since i was about 37 years old. It is just a Takaful version of AIA A-Plus Med with Booster medical card, so it is subject to the weaknesses stated above. 171 likes. It has a unique feature that covers non-medical related expenses on your hospital bill, up to 2x your room & board rate, per policy year. Then, just before the mandatory retirement, it struck them – nobody is going to cover his post retirement medical bills. Great Eastern e-Connect is a secured customer portal that allows easy access to your policy details and statements, update contact details and pay premium online. Otherwise, nasty situation like this may happen. Perlindungan perubatan sehingga RM2 Juta Cons: The outpatient treatments are capped at RM 1.76 million for each per lifetime, separate from its overall annual limit of 2.2 million and no lifetime limit. Furthermore, most insurers also have their electronic portal (or app) to submit your claims paperless and you will be paid via direct online banking – it is much faster and convenient so check this option before you hastily submit a claim the manual way. Communicate with the servicing intermediary and review claim submission again before filing an appeal. What About Allianz Diabetic Essential Medical Card? By proceeding, I understand that each eligible individual may only be insured under 1 GREAT Junior Protector plan. Only apply for this medical card that provides RM 500k – RM 1.4 million annual limit and RM 1.5 million – RM 4.2 million lifetime limit, if you have Type 2 Diabetes in which application to the normal medical card will usually get rejected. Have the convenience of cashless admissions and outpatient benefits at both government and private hospitals. The other health insurance features you definitely want to take note on are: Co insurance of 10% means when Ali got admitted to hospital and the medical bill costs RM 9,000, Ali has to pay RM 900 while his insurer pays the remaining amount, up to the medical card annual or lifetime limit. Be warned that medical card coverage terminates at age 80! Can I use my Malaysian medical insurance overseas? AXA eMedic is probably the cheapest and most convenient-to-apply-for term medical insurance that you can buy in Malaysia today. Or you can think of it as a Touch & Go card with a preloaded limit which refreshes every year, and only can be used at private hospitals, It gives you a peace of mind when you need to seek the best medical treatment fast at private hospitals, without needing to pay hefty medical bills out of your own pocket, and minus the long queue + waiting time at government hospitals, The best life insurance is the one in which you pay the lowest premium for the exact same coverage because the terms of coverage & payout are exactly the same among insurers (that is, death & total permanent disability cover). What and which insurance plan would you advice us for? Seeing overwhelming interest shown for information of medical card in Malaysia, I've decided to share more information with the Medical Card I'm most familiar with. Compare the premium pricing among insurers’ quotations based on the coverage features you need while weighing the pros and cons of each options. Not having a full medical card after retirement could potentially be deadlier than the silent killer – inflation, when it actually hits. Medical Card yang patuh syariah seperti PruBSN Takaful, AIA Public Takaful, Great Eastern Takaful, AmmetLife Takaful, Zurich Takaful dan banyak lagi. Great Eastern Takaful - Family Medical Card, Sungai Petani. If you own Medical Card A, you will benefit from having a 10 years’ worth of coverage with a lifetime … Don’t be fooled with just one product by Hong Leong Assurance because it is highly configurable, only matched by Allianz. Room and Board RM250 is as good as a double bedded room at most Malaysian private hospitals. Absolutely. Can you give a comparison and advise for takaful medical card. Finally, the no co-payment clause is always welcomed. Also, we respect your privacy and do not ask for your phone number when you are ready to apply online or even want to request for the quotations to compare them yourself. Vendor Information. it won’t be suitable one because firstly, it’s term standalone and secondly, all compared here are from life insurers, not from general insurers. A host of benefits, no co-insurance With no co-insurance payments required for your medical bill, you can focus on getting better while we take care of your medical expenses 1 . CF Lieu is an independent financial adviser (IFA) with CFP qualification and licensed by the Securities Commission of Malaysia to conduct regulated financial planning activities and charge a professional fee for it.CF Lieu is also listed under Featured CFP Professionals in his professional association website – FPAM (Financial Planning Association of Malaysia). Rider for any investment linked policies itu dari kertas ini dibuat untuk menjawab soalan-soalan yang ada setakat.! Which you already know Plus health medical insurance in Malaysia: get the health.: get the Best in this sense refers to competitiveness in features and ;! 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