Or if you want to dig deeper into one of these companies, keep on going! Ease your burden with a medical card that pays 100% of your medical bills. These expenses can be claimed under the post-hospitalisation treatment so long as the reason you are going back is still related to your initial illness that required you to go to the hospital in the first place. With a professional Allianz agent, he/she will be able to help you adjust the coverage terms based on your needs and budget. When it comes to your well being Allianz has gone a step further and provide a value added service which is totally free. Best Medical Insurance Plans Malaysia 2021 - Compare Medical Cards However, as the insurance industry is a highly competitive one, other companies might have launched better medical card plans. The insurance company will look at many factors, including but not limited to your: Let’s say you have made multiple claims in a year due to same illness until your annual limit is exhausted, the insurance company will increase your annual premium for the next policy year for the risks you have transferred to them. BEST MEDICAL CARDS IN MALAYSIA Don't let expensive hospital fees stop you from receiving the medical treatment you deserve. If you think a medical rider works differently in terms of renewal, think again. Great Medic Xtra offers you a comprehensive medical plan with no co-insurance, providing you the protection you need against high medical cost. It really depends on how you look at it, but from what I know, Great Eastern Malaysia’s Smart Medic, which is offered as a rider under their various investment-linked plan is currently the medical card that offers the highest annual limit and lifetime limit in Malaysia. List of top 10 best medical schools in Malaysia ! 2. Secure and Encrypted; Available anytime, anywhere; Simple! Introducing Great Health Direct – an affordable standalone medical plan that provides you medical coverage up to age 80. Having a medical card means all my medical treatment costs are paid for. By AXA If you’re looking for Covid-19 coverage, look no further than AXA eMedic, one of the best online medical cards in Malaysia. ... What I can say is that Prudential offers one of the best, not the best, insurance products in Malaysia. This can be attributed to the health system in Malaysia. Let’s assume Ann from our earlier example goes for scenario 2 and she’s never made any claims, she will be looking at approximately RM141.82 refund which will credited into her account value, where she can either withdraw the money to use in her day to day life or she can leave it in the policy and allow it to grow for her. The best part about this cash-over-cover insurance plan is it is much more affordable than a rider medical card because it is a pure medical insurance plan. Phone: +60 3-8656 7228. That said, you want to make sure you have a policy that will cover the duration you are in the intensive care unit, as well as the costs of being in the ICU as well. Read on to find the best credit card in Malaysia for you! A medical rider works the same way as a standalone medical card, except that it comes in the forms of investment-linked policy (ILP). If however, your need to be in the intensive care unit is over, but you still need to stay in the hospital, you will start using your hospital room and board and not your ICU days. All rights reserved. Choice of the best medical card. You will have the flexibility to choose from RM5,000, RM10,000 or RM30,000 deductibles levels with Retirement Option at age 60. You can enrol directly from the comfort of your own screen using our custom-built digital enrolment engine - it's faster, effortless and uniquely affordable. Unlimited Lifetime Cover You never have to worry about insufficient medical cover during the … Malaysia Medical Insurance will offer the best health insurance with medical card for cashless admission HOME CONTACT US TESTIMONIALS TERMS OF USE +6012 3737601 +603 8082 6098 We hope that you never will need to use it ever (because you’re always healthy), but if we’re talking about the rest of your life, we don’t know what will happen to the cost of medical insurance in Malaysia. Junior Member 18 posts Joined: Dec 2009. A deductible is the upfront cash payment borne by you before your insurance money comes in. Quoting Antony Lee, the Chairman of The General Association of Insurance Malaysia (PIAM), as saying: “Medical inflation has been on an upward trend with double-digit increases in recent years and is projected to reach 14% in 2019.”. Compared to medical rider, the cash value (from your savings and investment) is covering the difference between cost of insurance and actual premium as you age. If you’re looking for Covid-19 coverage, look no further than AXA eMedic, one of the best online medical cards in Malaysia. In Malaysia, most medical and health plans are sold with investment-linked insurance products, so it’s easy to mix up your medical card with other insurance policies. Get individual medical card and family insurance plan from RM37/month with cashless hospital admission, no medical check-up & great savings online! Not cause you frustrations. Will I have a medical card? Let’s go into each one in depth. Smart Extender will increase the annual limit of 10 times of the corresponding Smart Medic Xtra annual limit. Let’s say you have an ILP with medical card rider of RM3,000 per year, this means that for every month, your premium payment is RM250. AXA eMedic now provides coverage for Covid-19. It is highly recommended that you add the following Rider: Smart Extender. Even if you were to qualify for some sort of payout or coverage, the insurance company can deny you if you have surpassed the medical card’s annual limit. Not only you have saved yourself from digging deeper into your own savings, but also applying for a personal loan with high interest rate. Have the convenience of cashless admissions and outpatient benefits at both government and private hospitals. Like it or not, a medical card can either be the reason you are constantly worried in the future, or the reason why you will never worry about the what ifs. Looking to protect your family and loved ones with comprehensive medical coverage? 1. We often read and hear about the importance of having a health insurance coverage, backed by the fact that the cost of a medical treatment has been on the rise over the years. Card PM. Medic Plus supplements your hospitalization and surgical insurance, with renewal guaranteed after 12 months without a claim. With Allianz MediSafe+ you will also gain access to genomic testing for cancer which will provide information about your specific cancer and help doctors identify treatments that are most suitable for you. Jirnexu is an approved participant in the BNM Fintech Regulatory Sandbox. How you would do this is by getting an insurance deductible. Although we cannot cover every single benefit, here are the most common benefits that you should consider when deciding what medical card to get. Rider Recommendation: To simplify application procedures, this plan is available for you to purchase online. To make it easier for you, we’ve created a quick navigation for Allianz MediSafe Infinite Plus: Allianz Medisafe Infinite Plus now offers you up to RM2,500,000 as an annual limit. It’s when your insurance helps pay for your hospital & treatment bills – depending on what your plan covers. When it comes to ICU room and board allocation, the best options are: If you or a loved one gets admitted to the hospital, a family member or a friend will be able to get reimbursed a certain amount of money for food and accommodation to accompany the person who got admitted to the hospital. Best Deductible Medical Cards in Malaysia 2021 Need a second medical card with lower premiums? You can turn to your employment benefits. Scenario 2 – RM10,000 deductible: While you are travelling abroad for a period not exceeding 120 consecutive days, you have benefits of emergency medical evacuation and repatriation of up to RM500,000. In the past, outpatient treatment for cancer only covers chemotherapy and radiotherapy. and Prudential will not provide any daily guardian benefits, Prudential comes out as number one as it has no limits, Great Eastern’s highest annual limit is RM 2,000,000, Allianz’s MediSafe Infinite Plus’ highest annual limit is RM 2,500,000, AIA’s highest annual limit is RM 1,500,000, Allianz will give up to 90 days for pre-hospitalisation consultation and tests, AAI, Great Eastern and Prudential all give up to 60 days for pre-hospitalisation consultation and tests, Great Eastern leads this one by offering up to 180 days for post hospitalisation treatment, AIA offers 120 days for post hospitalisation treatment, Prudential offers 90 days for post hospitalisation treatment, Allianz offers 90 days for post hospitalisation treatment, Prudential will offer to pay as much as it costs for up to 180 days (ie there is no limit with Prudential home nursing care), Allianz will pay as much as it costs for up to 180 days for home nursing care, AIA will pay up to RM 10,000 for up to 180 days, Great Eastern will not pay for any home nursing care. THREAD CLOSE This post has been edited by Brother Nick: Feb 5 2013, 11:52 PM. The annual limit is something that you have to be very aware of. Although the home nursing care will not last for long, this benefit is meant to give your family a chance to arrange for longer term options, whether that is having someone stay home to take care of the loved one, or to find someone who can take care of he loved one. That is why PruBsnMY offers the best possible Individual Takaful Plan in the industry, to guarantee that you and your family live your lives free of worries. © 2021 Jirnexu Sdn. Ensure that you have sufficient medical coverage with AIA - the best health insurance company in Malaysia. My medical card will cover all possible health issues I may have. That said, if you would like to get some advice on your medical card needs, or if you already have a card and are not sure if you’re fully covered, let us know and we’ll put you in contact with a few people we trust for our own needs. These 4 medical cards would most likely be ideal for the average person who is young and healthy. There are 6 plans you can choose from, with each showing an annual premium according to the age band. Now that you have a a general overview of some of the most important benefits with medical cards, you can see how complicated it can be. New Member. Either case, you should make an educated choice on what health insurance would be used to provide medical protection to you as well as to your family members. When comes to payment, I can easily pay with their multiple payment channels." You’re in luck! The difference between a standalone medical card vs a rider. Haven't received my message yet? With its financial strength of assets of over, RM79.6 billion as of 31 December 2017 and it is the largest life insurer in Malaysia and economic strength is very important for the long term success of an insurance company and protecting policyholders interests, i.e. The most important highlight that differentiates a Standalone from Medical Rider is the premium cost; Standalone medical card is way cheaper compared to a rider for several reasons: Choosing the right medical card for yourself and/or family members requires a strategic financial planning. We have also compared the top 4 medical cards in each of these criteria for you to have an idea as to what you can get. Compare best medical cards offering cashless admissions with flexible benefits and paying 100% of your medical bills, from major insurers in Malaysia. Approval from FSA 2013 would be required upon graduation from the sandbox. 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