Look at cost of medical procedures here. Do I even need an overseas medical card or health insurance coverage? The best in this sense refers to competitiveness in features and costs; so it is actually very good for us as policyholders. SHASI Great Eastern - Medical Card & Investment, MANDARIN FOR ALL : BOOK 1 ( 2ND EDITION ). Great Eastern Life began its operations in 1908 as a branch office of The Great Eastern Life Assurance Company Limited. Gender agnostic: No difference in premiums for male & female, No body-mass-index (BMI) underwriting because you don’t need to fill in your height and weight. Please include it. There’s no such thing, here’s why, Best medical card plan for family in Malaysia? AXA eMedic 5 minutes, fast & easy purchase process: After successful payment, policy holder will receive a Welcome Message and eMedic Digital Medical Card in your email. And will I be able to upgrade to or rebuy another medical card in the future given my current health condition? Medical costs have escalated around the world and this is no different in Malaysia. You might want to … If this is your concern, then Second Medical Card aka Deductible aka Top Up medical card is the best for you. Insurance company will use this information to determine the amount they are willing to pay for a particular service in a particular area. Hong Leong medical card is the Best medical insurance in Malaysia? The question you need to ask yourself is this: Am I getting this medical card today for short-mid term or for long term? Answer = No if you are not a globe-trotting executive or nomad. That means insurer can hike the insurance charges which may affect your premium directly or indirectly. Ia memang sendirinya hanya Medical Card yang melindungi manfaat perubatan di hospital. Great Eastern medical card is the Best medical insurance in Malaysia? To prevent the hassle of dispute with the insurer on what it is not covered or reimbursable when you thought they are covered. Don’t be fooled with just one product by Hong Leong Assurance because it is highly configurable, only matched by Allianz. Hong Leong Assurance has a separate number of days for ICU coverage (75 vs 150 days), the lowest among those compared. I already own a GREAT Protector Active plan and am either i) a Juvenile (1-16 year/s old next birthday); ii) an S-Pass holder; iii) a Dependant's Pass holder; or iv) a Student's Pass holder. 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. Oleh itu dari kertas ini dibuat untuk menjawab soalan-soalan yang ada setakat ini. 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. Understand basic medical card terminologies and why you must get the best health insurance for yourself. Only advisers with the highest calibre and credibility are displayed under this list. Besides, it also has: Cheaper? Lifetime Limit – … Updates (as of 10/12/2012): Increased overall lifetime limit of Great Eastern Smart Medic. Great Eastern Takaful Medical Plan i-Great MediMax (Occupation Class 1 & 2) i-Great MediMax gives you and your family longer protection, providing you with the confidence to cope with unforeseen circumstances. Thank you. This happens without needing you to prove your health condition at age 60. What About Allianz MediAdvantage Medical Card? In no particular order, they are AIA, Allianz, Great Eastern, Hong Leong Assurance and Prudential. What About AIA A-Life Med Regular Medical Card? 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. Now we’d like to hear what you have to say. Aside from coverage in Brunei and Singapore (for some Malaysian medical card), all standard Malaysian medical cards do not offer direct (cashless) coverage for elective overseas medical treatment, although they may provide a value-added services such as a second opinion benefit. You must be logged in to post a review. Great Eastern medical card is the Best medical insurance in Malaysia? https://howtofinancemoney.com/case-study-pierrep. Tq so much Mr.lieu for the wonderful explanation. So by the time you realize this (the insufficiency of local healthcare services for your medical condition), you won’t be able to get yourself insured already for overseas medical coverage. It also has has an optional co-insurance like feature, called Med Saver, which policyholder needs to pay RM 300 co-insurance for hospitalization, even though it is a cashless admission. -Customize your own product Great Eastern Life began its operations in 1908 and has been established for over 111 years. 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. Attach all filled claims documents with the original bills and receipts, investigation or diagnostic reports if any, full doctor’s medical reports, physician’s cost summary of treatment and referral letter, if any. Your email address will not be published. Semalam pada 5 Jun 2017, Great Eastern Takaful telah pun dengan jayanya melancarkan satu lagi jenis Medical Card iaitu Medical Card Standlone. Best deductible medical card in Malaysia – which one? GREAT EASTERN (M) DISTRIBUTION AGENT Contact & Whatsapp: +60182644860 Email: marina.bakri@gmail.com. For example, when you are first approved for the plan and have a good medical report, you enjoy 20% discount on your premium. Ease your burden with a medical card that pays 100% of your medical bills. You need to be over 45 years old to buy this, nonetheless, avoid this standalone medical card unless you are really strapped for budget because lifetime limit is notoriously low at RM 225k. If you are reading this, then I don’t want this to happen to you. Get your advice here. Meaning, we are not obligated or limited to only recommend 1 single product, like an insurance agent. Then, just before the mandatory retirement, it struck them – nobody is going to cover his post retirement medical bills. Kalau ditanya pada ejen takaful, sah-sah akan kata syarikat takaful dia yang terbaik. Bear in mind that this is a standalone, aka term medical card, whereby the annual premium is set to increase every 5 years age band. What About AIA Public Takaful A-Plus Med-I Or Booster-I Medical Card? The standalone (term) medical card only has room & board rate from RM 150 to RM 250, with available annual and lifetime limit of RM 150k-RM250k & RM 1.5 million – RM 2.5 million respectively. Medical inflation averages about 10% each year and is projected to rise due to advancement in medical technology. No doubt that overseas medical card comes access to well-know global healthcare providers, with very high annual and/or lifetime limit (usually in US Dollar),  not only to account for the cost of insurance but also travel-related expenses costs. We are going to reveal how you can afford the best medical coverage per your budget, something that tied insurance agents and aggregator websites are unable to do for you. My wife is 38. e-Connect is our secure, self-service portal: you can use it to access protection coverage, perform key services, make premium payments online, customise your insurance plans, check your claim status, update personal particulars and change your password. Great Eastern shares were trading up seven Singapore cents at S$25.92 as at 4.25pm on Thursday. There’s no reason to consider this when you can afford PruMillion Med. See more details in our other article – Retiring in Malaysia : Get the Best Health Insurance & Prevent Medical Costs from Touching your Retirement Nest Egg. Great Eastern Takaful menawarkan 5 pakej Medical Card berdasarkan nilai bilik iaitu i-M100, i-M150, i-M200, i-M300 dan i-M400. BEST MEDICAL CARDS IN MALAYSIA Don't let expensive hospital fees stop you from receiving the medical treatment you deserve. Hi! Hi Donald Williams, if I were in your position, I will make a decision based on the comprehensive info in this guide – however if I am still confused, then I will consider what this gentleman has done – here: https://howtofinancemoney.com/case-study-pierrep. Seek advice from PIAM Information Centre and Ombudsman for Financial Services (OFS) if you opined that your claim has been unfairly rejected. Alternatively, policy holder can use his or her identification card IC to hospital admission staff – just state that you have AXA AFFIN Life insurance and Mediexpress. But this is a public comment so I reckon you don’t want to continue the conversation here revealing more personal info. Cashless admission for an extended list of 139. (by the way, the deductible amount is configurable from RM 2k up to RM 30k). Retiring in Malaysia : Get the Best Health Insurance & Prevent Medical Costs from Touching your Retirement Nest Egg. What About Prudential PruHealth Medical Card? Access our extensive network of over 360 panel GP clinics across Singapore that include Shenton Medical Group (SMG) and Shenton Family Medical Clinics (SFMC), corporate in-house clinics as well as 24-hour A&E clinics easily at each of our 4 hospitals. Its weaknesses of standalone lifetime limit for outpatient cancer & kidney dialysis and 2 mil lifetime limit for Plan 200 makes it unfavorable among the other options available now. You don’t, agree? If you own Medical Card A, you will benefit from having a 10 years’ worth of coverage with a lifetime … Panel hospitals will be able to provide cashless hospital admission hassle free. AIA medical card is the Best medical insurance in Malaysia? 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. Just want to know in case I am missing out! However, if you really have deep pockets and are concerned about the inadequacy of Malaysian medical expertise or want to have that options to be treated overseas, then this is for you. For that matter, if you are hospitalized outside Malaysia for any emergency medical procedure, do not expect you will be reimbursed in full for your medical bill. Anyway, GE provide 5% discount when there are more than 2 policies in a family. An annual limit of at least RM 100,000 is recommended, which is highest option you can get from AXA eMedic• Coverage could be extended to age 100 instead of stopping at age 80• Last entry age capped at age 49• Deductible feature could have higher levels and structured slightly different, for example, RM 30k in a year, instead of, RM 1k per hospital admission. Great Medic Xtra offers a high Overall Annual Limit and no Overall Lifetime Limit, giving you greater assurance when you require medical protection 1. In other words, underweight or overweight individual can apply without loading. Smart Medic is the comprehensive medical rider (aka medical card) for investment-linked insurance plans from Great Eastern which protects you medically until you are 80 years old next birthday. SM100. Click one of our member below to chat on. Check it again? Organ transplant coverage – Reasonable & customary charges. Hi CF, I am 58 this year. This plan offers higher benefits in terms of annual and lifetime limit. Have the convenience of cashless admissions and outpatient benefits at both government and private hospitals. Great Eastern Takaful menawarkan 5 pakej Medical Card berdasarkan nilai bilik iaitu i-M100, i-M150, i-M200, i-M300 dan i-M400. If you are totally new to the concept of a medical card or medical insurance, you may wonder: “What does a medical card cover?” or “What does a medical card do?” or “What is medical card insurance?”. 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. 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. When you retire after age 60:What it means, when you reach age 60, this health care insurance will convert to become a zero deductible card – which means any medical expenses can be charged under this card – at the time when your company medical insurance coverage ceases. Zurich is at the far right. Together with your filled in questionnaire, submit your personal details online via the insurer’s portal to kick-start application. Prudential also has another 2 older medical card range – PruHealth and PruFlexi Medi, on top of PruMedicOverseas providing coverage in Singapore, Hong Kong and China. When she was 4 years old, she was given tuberculosis treatment along with my wife as a precaution. As an example, assume stroke treatment at a private hospital is around RM40,000, but when you were in United States, you had a stroke and it set you back for US$50,000 for an emergency medical procedure. If you are a fresh graduate just starting out in the workforce, or young family with tight financial budget, then you seriously need to consider this as your first medical card. What About Great Eastern Great Medic Extra? The intricacies of the best medical insurance is not to be underestimated, especially if you plan to retire in Malaysia for long term. Suggest you go to this URL https://askcf.com/compare-quotes/ if this is important for you. On the other hand, rider medical card is confirmed to have “Guaranteed renewable” clause whereby as long as you pay for the policy on time, insurer is obliged to renew the policy (provided the lifetime claim limit, if any, has not been exceeded). 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