She’s a home maker and she’s from Indonesia. It offers similar coverage like your normal medical card, on top of diabetes management benefits, where once a year, you will have access to a health screening benefit, claimable up to RM250, Specifically, they are: Apart from that, Allianz Diabetic Essential Medical Card comes with a premium discount benefit that is applicable subject to the results of your Health Screening Benefit tests. No mention of organ transplant coverage though. By the way, I don’t think I need to stress the importance of having a medical card even if you are employed and your employer provides for you. Underwriter may approve your application promptly or he may require you to do additional medical check or request more details on your medical history before offering you a standard acceptance offer, or conditional acceptance offer with loading or exclusion. 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. Watch a series of lessons on buying the best medical cards for yourself. Just want to know in case I am missing out! I’m 72, she is 58, we are both in good health, I’m confused with which insurance to chose. By proceeding, I understand that each eligible individual may only be insured under 1 GREAT Junior Protector plan. What About Allianz Diabetic Essential Medical Card? Moreover, it comes with a high level of personal touch, unlike aggregator websites like R-Plus or i_MY. Filter real advice from sales talk. ▪️ high annual limit even for lower tier plan. 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. If you were in our place, which one would you recommend? See below, When you are employed before age 60:It could well be a good complement to your company-provided group medical card.For example, if your company medical card coverage is RM 30k/year, you could get a RM 30k deductible medical card, with minimum premium (RM 1,200). 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?”. Great Eastern Life began its operations in 1908 and has been established for over 111 years. And that comes with a cost in the form of higher premiums than a standard Malaysian medical card. Best deductible medical card in Malaysia – which one? Easy application with just passport and valid working/dependent visa. Only advisers with the highest calibre and credibility are displayed under this list. This mean it is inflation-proof to a certain extent because you are. Ease your burden with a medical card that pays 100% of your medical bills. 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. Rest assured that in the event that your policy submission is declined, you will be promptly notified and all premiums collected (if any) will be returned in full. However, you can optionally add Great Extender to 10x the annual limit. eMedic is available for purchase exclusively online at www.axaemedic.com – there’s zero need to go through any agents or intermediaries. 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). Other medical riders including Manulife ManuHealth Elite has ‘As Charged’ room & board rate and unlimited lifetime limit, with annual limit up to RM 2.2 million. Suggest you go to this URL https://askcf.com/compare-quotes/ if this is important for you. But then the next question is – how would you know that beforehand? With minimum RM100/ month, SMART MEDIC can be attached to your main plan. However, this is no longer an issue with the introduction of a higher end (newer) medical card range called. 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. Insurers are not stupid; they will only reimburse you an amount that is up to what is defined in Malaysian Medical Association’s (MMA) Schedule of Fees when it comes to medical procedures, and what’s reasonable and customary for other medical expenses such as prescriptions and medical supplies. Phew! Med Value Point is defined as – if the total claims that exceed the stipulated Med Value Point amount, the Prudential will still be liable to pay 80% of the total cost of the eligible benefit while policyholder bear the remaining 20%. What and which insurance plan would you advice us for? 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. Yet, I know what you are thinking – you probably don’t want to get a redundant medical card while you are covered by your company. Credible: where this medical insurance guide has been featured, The published article can be downloaded HERE, The most commonly asked question are: “What is the best insurance for medical?” or “Which insurance is best in Malaysia?” or “Which medical card is the best in Malaysia” or “What medical insurance is the best?“, In no particular order, they are – A Plus Health by AIA, Smart Medic Xtra by Great Eastern Life, Medisafe Infinite+ by Allianz Life, Pru Million Med by Prudential & Medi Shield III by Hong Leong Assurance, The best medical card you can afford should come with a high annual limit, guaranteed renewable until age 100, no co-insurance or co payment due to room upgrade, will not limit your medical treatment within Malaysia only, will not always remove hospital from its panel list and most importantly, will not dispute your medical claims without a good reason, It is a unilateral contract with an insurance company which promises to pay for your inpatient hospital bill as long as you are paying the regular premiums. Seek advice from PIAM Information Centre and Ombudsman for Financial Services (OFS) if you opined that your claim has been unfairly rejected. I really want to subscribe your montly plan if your team able to give advise on takaful medical card. Meaning, we are not obligated or limited to only recommend 1 single product, like an insurance agent. Great Eastern Smart Medic Medical Card Schedule of Benefits and Premium Table Updated 10 December 2012: Increased overall lifetime limit to 10x of annual limit. Enjoy the benefits of your auto-instalment credit card with cash rebates of up to 1.2% and hassle free 3, 6 or 12 month payments. Medical Card Great Eastern– Sehingga kini khusus di Malaysia, ramai orang telah bertanya soalan yang berkaitan dengan kad perubatan.Soalan ini sebenarnya sangat baik. The intricacies of the best medical insurance is not to be underestimated, especially if you plan to retire in Malaysia for long term. 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. Did you scroll all the way to the right? https://howtofinancemoney.com/case-study-pierrep. Smart Medic Xtra is the go-to medical card from Great Eastern as it offers comprehensive coverage for hospitalisation and gives high coverage to policyholders for their hospital bills. I am curious because my parents insured me since young under Zurich and now that I am adult, I automatically went for Zurich however I seldom see Zurich being compared together with the rest of the big guys. The eMedic digital medical card is a picture that can be saved on mobile devices, which can be accessed online. We opined that this standalone (term) medical card pales in comparison to its medical rider counterpart due to inferior annual limit (RM 90k to 160k only) for the basic version, and room & board rate (RM 300 is the top option available). You only bear the difference in the upgraded room & board charges. It comes with a Value Added Service called Global Expert Medical Opinion, a third party service which gives you, access to top experts from around the world to facilitate the medical decision making. (by the way, the deductible amount is configurable from RM 2k up to RM 30k). Can I use my Malaysian medical insurance overseas? -Customize your own product Prudential most affordable medical card does not use the the term annual limit or lifetime limit. Oleh itu dari kertas ini dibuat untuk menjawab soalan-soalan yang ada setakat ini. We opined that this standalone (term) medical card pales in comparison to its medical rider counterpart due to inferior annual limit (RM 100k to 150k only) and room & board rate (RM 250 is the top option available). I have been a diabetic type 2 since i was about 37 years old. Lifetime Limit – … Absolutely. Only covers for once a lifetime organ transplant event (as an organ recipient), The base medical insurance plan SmartMedic Xtra has been enhanced with SmartMedic Xtra 99 and Smart Extender 99. Medical inflation averages about 10% each year and is projected to rise due to advancement in medical technology. There are no reviews yet. Furthermore, because it is an older product, annual limit is maxed out at RM 250k while lifetime limit is capped at RM 2.6 million although you can opt for room & board rate as high as RM 600. Anyway, GE provide 5% discount when there are more than 2 policies in a family. Singapore & Brunei are not considered as overseas medical insurance coverage (which is good! Lifetime limit for outpatient kidney dialysis and cancer treatment has been upgraded to no lifetime limit. Great Eastern Takaful menawarkan 5 pakej Medical Card berdasarkan nilai bilik iaitu i-M100, i-M150, i-M200, i-M300 dan i-M400. Room and Board RM250 is as good as a double bedded room at most Malaysian private hospitals. We must purchase insurance according to the MM2H Visa. Bear in mind hospital may still need to charge you some deposits upfront to cover for items not covered by your medical card. Compared to guaranteed renewal clause in medical rider, some standalone medical cards have conditional renewable clause whereby – if you are hit with a long term/ critical illnesses, insurer will likely impose unfavorable terms & conditions like premium loading, coverage exclusion from the illness and even rejection at your next renewal cycle. This card will enable you to receive medical treatment at specified list of panel hospitals. The answer to the first question lies in the video below, while for the second question, the answer is YES, provided you at least have long term residency visa like MM2H visa. How to Apply for the Best Medical Card for yourself & Family, Fast, Engage 3 to 5 insurance agents from top insurers to request for quotations, or alternatively, engage a single independent financial adviser to get the same quotations in one place. The best in this sense refers to competitiveness in features and costs; so it is actually very good for us as policyholders. This could make it a good, ‘no-overlap’ complement for individuals with company medical coverage (usually ranging from RM 20k to RM 30k in a year). 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). Since health insurance, just like any other insurance, is essentially an unilateral contract, knowing the terms and conditions of your medical coverage is absolutely critical. We will pay the eligible hospitalisation expenses that you incurred subject to the annual limit of the plan you signed up. Vendor Information. 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. It has upgraded to 150 days of normal Room & Board (R&B) and Intensive Care unit (ICU), totaling 300 days/year. We opined that AXA eMedic should not be compared to medical riders available out there because medical riders do provide more comprehensive and long term medical coverage. Be the first to review “GREAT EASTERN MEDICAL CARD” Cancel reply. 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. But what if major conditions like below hit you? For a limited period, existing Great Eastern policyholders, including those who hold only Dependants Protection Scheme or ElderShield plans, can also purchase the Great Family Care plan without any medical underwriting. 1. GREAT EASTERN (M) DISTRIBUTION AGENT Contact & Whatsapp: +60182644860 Email: [email protected] A Plus Health medical insurance replaced A Plus Med as its flagship medical card in Q4 ’18. Besides protecting you during the tough times, it also gives you benefits when you are healthy such as giving you an annual limit increment for every 3 … Medical Services. 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. For objective comparison, we remove this co-insurance feature. Best deductible medical card in Malaysia – which one is it? It has been succeeded by the newer AIA A-Plus Health medical card (flagship product). 171 likes. Ensuring you have access to adequate care is crucial. Why you not included the mxm MediServer plan in your comparision? Comparison table: Allianz, AIA, Great Eastern, Manulife, Hong Leong, Prudential, Tokio Marine, AXA Affin, AmMetLife & Zurich Medical Insurance. This Medical Card offer 5 types of plan to choose from: 1. Understand the Common Reasons your Medical Claims can get Rejected, C) From ‘ease of application’ perspective, What You Should Know When Buying Standalone Medical Card Vs. a Rider and Make the Right Decision. Furthermore, you can further add on to the medical coverage by extending your medical treatment to pre-authorised hospitals in Singapore, Hong Kong, and China with Overseas Treatment for Selected Surgeries III for surgeries related to Cancer, Neuro, Coronary Artery Bypass, Heart Valve, Organ Transplant (kidney, lung, liver, heart, pancreas and bone marrow), Organ transplant coverage per Annual & lifetime limit is included. Admitting to a panel hospital saves you these paperworks because the insurance company will pay directly the hospital provided a Letter of Guarantee (GL) is issued by the insurer to the hospital upon your hospital admission. Think of it like renewing your car insurance after a major accident. What About Prudential Prusenior Med Medical Card? But then again, you could have probably gotten yourself a pure international medical coverage instead of a quasi-international medical card from any Malaysian insurer because some of them only offers coverage a pre-defined set of critical medical conditions. In order to minimize any unnecessary delays, it is the norm to follow some pointers below as part of the claims process: Your servicing intermediary can assist you with the claim although there is really nothing stopping you from doing it yourself by submitting the claims using snail mail or walking into insurer’s servicing office. Also keeping up Allianz and HLA, it comes with more outpatient cancer treatments like targeted therapy, hormonal therapy and immunotherapy. So we hope you enjoyed it. Finally, the no co-payment clause is always welcomed. 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. If you are reading this, then I don’t want this to happen to you. What About Great Eastern Great Medic Extra? Hello CF Lieu, my wife and I are coming to Malaysia, from the USA, under the MM2H Visa. 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. In other words, underweight or overweight individual can apply without loading. Compare the premium pricing among insurers’ quotations based on the coverage features you need while weighing the pros and cons of each options. …you’ll love this guide and the approach we use. Required fields are marked *, HowToFinanceMoney © 2011-Present. 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. Comparison table: Allianz, Great Eastern, Hong Leong Assurance & Prudential Deductible Medical Insurance. What About Manulife ManuEZ-Med Medical Card? Comes with low 500 and 5,000 deductible levels, which I’d consider as co-insurance instead of deductible. Hospital can also process hospital admission without the eMedical card. 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. Medical Card Great Eastern– Sehingga kini khusus di Malaysia, ramai orang telah bertanya soalan yang berkaitan dengan kad perubatan. Cashless admission for an extended list of 139. Manulife medical card is the Best medical insurance in Malaysia? 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. Oleh itu dari kertas ini dibuat untuk menjawab soalan-soalan yang ada setakat ini. This plan offers higher benefits in terms of annual and lifetime limit. Underwriting process does not require medical check up; instead you just need to fill in a simplified online questionnaire during application. You might want to … Which medical card feature that is the most important to you? 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. Which means, only RM 30k and above medical expenses will be covered by this second card. Good job. Understand basic medical card terminologies and why you must get the best health insurance for yourself. Medical card like AXA eMedic (see above) does not have conditional renewable clause. There’s no reason to consider this when you can afford PruMillion Med. If you own Medical Card A, you will benefit from having a 10 years’ worth of coverage with a lifetime … 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. 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. We put A TON of work into this guide. How About HLA MedGlobal IV Plus Medical Card? Thank you. Let OCBC Great Eastern Cashflo Credit Card help you automatically manage your Great Eastern insurance premiums and other spending. Together with your filled in questionnaire, submit your personal details online via the insurer’s portal to kick-start application. It is just a Takaful version of AIA A-Plus Med with Booster medical card, so it is subject to the weaknesses stated above. 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. Yes. Allianz medical card is the Best medical insurance in Malaysia? -Intracranial and specific spinal cord surgery, -Pre & post hospitalization coverage days too low (60/60), -Lifetime limit is capped at RM 1 million (not future-proof). Medical Card Takaful It has been succeeded by the newer PruMillion Med medical card (flagship product). Annual Limit – RM60, 000. When you want to seek medical treatment due to illness/accident at private hospitals, you should try to go to a hospital that is covered by the medical card. Million Dollar Agency: Amanda Low Hui Kian Agency No 7B, Jalan M/J 1, Taman Majlis Jaya, Sungai Chua, 43000 Kajang Selangor Darul Ehsan. 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. Pros: Has the capability to customize the hospital room & board rate and Med Value Point (1, 1.5 or 2 million). SHASI Great Eastern - Medical Card & Investment, MANDARIN FOR ALL : BOOK 1 ( 2ND EDITION ). -get your system in 10 days. The best part of being an industry practitioner, as a licensed, independent financial adviser, is that we are NOT tied to any insurance company. Great Eastern Life began its operations in 1908 as a branch office of The Great Eastern Life Assurance Company Limited. The co-payment clause in its predecessor, Medisafe Infinite, has been removed. Apply for the card. Great Eastern Customer Service: 1-300-1-300-88 From oversea/General Line: (603) 42598888 Fax: (603) 42598000 Only if you need to get the best overseas medical treatment for severe illnesses (refer to Overseas Medical Treatment section below). Great Eastern Takaful menawarkan 5 pakej Medical Card berdasarkan nilai bilik iaitu i-M100, i-M150, i-M200, i-M300 dan i-M400. Great Eastern medical card is the Best medical insurance in Malaysia? Zurich is at the far right. There’s no such thing, here’s why, Best medical card plan for family in Malaysia? Technically, Manulife Room & Board rate is in a class of its own because after R&B 250, the next Room & Board rate is titled “As Charged”. AIA medical card is the Best medical insurance in Malaysia? We Always Give The Best to Our Customers ( Family Medical Card, Medical Card with Saving, Investment Plan, Saving Plan ) What About Allianz MediAdvantage Medical Card? 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. Yes, the Great Eastern Smart Medic medical card will cover you wherever you are. great eastern great medic xtra extender By Great Eastern Great Medic XTRA offers you a comprehensive medical plan with no co-insurance, no lifetime limit, whilst providing you the protection you need against high medical costs. 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. Hospitals that are covered by the medical card are also called Panel Hospital. Do I even need an overseas medical card or health insurance coverage? It provides a comprehensive medical protection to ensure that you are not financially burdened from unexpected emergency medical-related expenses. Even if you are on frequent business trips, as long as you are not outside of Malaysia for 90 days consecutively, you likely don’t need an overseas medical coverage. You must be logged in to post a review. Max lifetime limit capped at RM 1.2 million, Before undergoing any non-emergency medical treatment, call the customer care helpline of your insurance company and confirm whether your doctor’s proposed treatment is covered in your medical insurance policy and whether your hospital of choice is panel hospital, Request your doctor or specialist to fill in and sign your claim form. Its weaknesses of standalone lifetime limit for outpatient cancer & kidney dialysis makes it unfavorable among the other options available now. What About Prudential PruHealth Medical Card? 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. I’ve talked to individuals in their fifties who admitted to me they overlooked of getting their own medical card when they were in employment. 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. Don’t be fooled with just one product by Hong Leong Assurance because it is highly configurable, only matched by Allianz. SM100. The family package is available from AIA. 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? 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. Comparing Med Value point with annual limit, it is on par depending on your choice. Tq so much Mr.lieu for the wonderful explanation. Posts about medical card great eastern takaful written by Razman An Nur The Great Agency – Razman GET Peringatan Untuk Kita semua : Sakit boleh di elak tetapi MATI ITU PASTI.. 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. Panel hospitals will be able to provide cashless hospital admission hassle free. With the addition of the Million Extra III rider, its annual limit becomes increases to an additional 1.5 million, adding to the already high 1 mil/1.5 mil/2.0 mil original annual limit for Medishield III rider. Soalan ini sebenarnya sangat baik. 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. Great Eastern doesn’t provide family medical package. When you travel abroad, no matter for business or leisure, you can guarantee that you are protected with Supreme Assist, the emergency assistance service from Great Eastern for medical and travel assistance … Clients literally adore us (see proof here) for being able to source & compare objectively – the best life and health insurance products which suit their needs without being pushy to fulfill sales quota like a tied agent. No mention of organ transplant coverage or no claim bonus/incentive for Pru Million Med though. (after all, aggregator sites like R-Plus & i_MY are just going to pass your contact details to random (sometimes incompetent) insurance agents who will call you day and night), In short, if you want just the right amount of information to maximize your coverage while minimizing the premium cost, without the spam calls from aggressively pushy & sales-sy insurance agents…. 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