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great eastern family medical card

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 . Your email address will not be published. Hospitals that are covered by the medical card are also called Panel Hospital. The best in this sense refers to competitiveness in features and costs; so it is actually very good for us as policyholders. Cons: Evidently, the medical card price, especially with Med Saver feature removed. 1 talking about this. Medical card like AXA eMedic (see above) does not have conditional renewable clause. Perlindungan perubatan sehingga RM2 Juta Great Eastern Takaful - Family Medical Card, Sungai Petani. Note: you should flip your device horizontally if you’re using a phone/tablet. Pros: Has the capability to customize the hospital room & board rate and Med Value Point (1, 1.5 or 2 million). …you’ll love this guide and the approach we use. 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. 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. As you notice, the Best Insurance Medical Cards in Malaysia come from major life insurance companies, brands which you already know. Medical costs have escalated around the world and this is no different in Malaysia. This happens without needing you to prove your health condition at age 60. During hospital admission, policy holder just need to show the medical card at the hospital admission counter. 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. 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. 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. Bear in mind hospital may still need to charge you some deposits upfront to cover for items not covered by your medical card. Otherwise, nasty situation like this may happen. Ease your burden with a medical card that pays 100% of your medical bills. Updates (as of 10/12/2012): Increased overall lifetime limit of Great Eastern Smart Medic. 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. 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. Apply for the card. 2. I’m 72, she is 58, we are both in good health, I’m confused with which insurance to chose. This Medical Card offer 5 types of plan to choose from: 1. Your personal data will be used to support your experience throughout this website, to manage access to your account, and for other purposes described in our privacy policy, Shot system development Instead, it replaces them with this – Med Value Point. However, it now comes with a fixed RM 300 co-insurance per disability, and replaces no claim benefit of, ManuHealth Elite medical insurance replaced its predecessor, Manumedic medical card. ‎Presenting Great Eastern’s new logo and icon. Another best thing about Allianz medical card is that it specifically states, in the quotation, to include. Moreover, it comes with a high level of personal touch, unlike aggregator websites like R-Plus or i_MY. 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. What About Allianz Diabetic Essential Medical Card? Get your advice here. Be warned that medical card coverage terminates at age 80! SHASI Great Eastern - Medical Card & Investment, MANDARIN FOR ALL : BOOK 1 ( 2ND EDITION ). For objective comparison, we remove this co-insurance feature. It provides a comprehensive medical protection to ensure that you are not financially burdened from unexpected emergency medical-related expenses. Ia memang sendirinya hanya Medical Card yang melindungi manfaat perubatan di hospital. Seek advice from PIAM Information Centre and Ombudsman for Financial Services (OFS) if you opined that your claim has been unfairly rejected. 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. There is also provision for Organ/Bone Marrow transplant (receiver’s coverage only) – as charged, subject to Reasonable and Customary Charges up to Overall Annual Limit, once per lifetime. eMedic is available for purchase exclusively online at – there’s zero need to go through any agents or intermediaries. My wife is 38. Filter real advice from sales talk. A shared outpatient cancer & kidney dialysis treatment up to RM 375k per lifetime is too low for comfort. 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. Medical Services. Medical Card Takaful In no particular order, they are AIA, Allianz, Great Eastern, Hong Leong Assurance and Prudential. Best deductible medical card in Malaysia – which one? It does provide generous annual limit of up to USD 4 million but limited to these diseases: What About Allianz Care Individual Medical Card? The medical card contains all the details the hospital needs to verify validity of one’s AXA eMedic medical insurance. **The indicative annual premium, whenever available, was generated based on a 35 years old Male, non-smoker. A licensed doctor will be assigned to conduct a thorough clinical conversation, collect all available medical information and identify top experts to provide independent assessment. (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…. 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). Prudential medical card is Best medical insurance in Malaysia? Days of hospitalization in a year – surprisingly. If you were in our place, which one would you recommend? Panel hospitals will be able to provide cashless hospital admission hassle free. Please include it. Which medical card feature that is the most important to you? No mention of organ transplant coverage or no claim bonus/incentive for Pru Million Med though. What About Great Eastern Great Medic Extra? 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. Great Eastern medical card commentary The base medical insurance plan SmartMedic Xtra has been enhanced with SmartMedic Xtra 99 and Smart Extender 99 Hi ChingFoo Lieu. Hello CF Lieu, my wife and I are coming to Malaysia, from the USA, under the MM2H Visa. An extremely flexible medical card where you can configure it as a humble Honda City or a Ferrari/Bugatti if you have the budget. Only advisers with the highest calibre and credibility are displayed under this list. See more details in our other article – Retiring in Malaysia : Get the Best Health Insurance & Prevent Medical Costs from Touching your Retirement Nest Egg. Kalau ditanya pada ejen takaful, sah-sah akan kata syarikat takaful dia yang terbaik. 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. 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. What About Prudential PruHealth Medical Card? Comes with low 500 and 5,000 deductible levels, which I’d consider as co-insurance instead of deductible. What About Allianz Booster Care Medical Card? It is Annual Limit or Hospitals Room and Board rate? 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. Which means, only RM 30k and above medical expenses will be covered by this second card. What About AIA Public Takaful A-Plus Med-I Or Booster-I Medical Card? 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. ▪️ high annual limit even for lower tier plan. Organ transplant coverage – Reasonable & customary charges. She’s a home maker and she’s from Indonesia. There’s no such thing, here’s why, Best medical card plan for family in Malaysia? Your email address will not be published. Alvin, need more personal info to really see if there’s anything still suitable for you. What About Manulife ManuEZ-Med Medical Card? Medical Card Great Eastern– Sehingga kini khusus di Malaysia, ramai orang telah bertanya soalan yang berkaitan dengan kad perubatan.Soalan ini sebenarnya sangat baik. SM100. ▪️ auto increase room rate every 3 years no claim, ▪️ better insurance charge sustainability, Allianz Life Insurance – MediSafe Infinite+ series medical card, Great Eastern Life – Smart Medic series medical card, Hong Leong Assurance – Medi Shield III series medical card, Prudential Assurance – Pru Million Med series medical card, Reimburses the charges incurred for alternative treatments such as Chiropractic, Chiropody, Homeopathy, Osteopathy and Acupuncture up to one (1) visit per day, within thirty (30) days from the hospital. Lifetime limit for outpatient kidney dialysis and cancer treatment has been upgraded to no lifetime limit. It does not represent absolutely the expensiveness or cheap-ness of a medical card from an insurer across all age ranges. 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. Answer = No if you are not a globe-trotting executive or nomad. Smart Medic, similar with Health Protector, is meant to be a rider for any investment linked policies. Medical Card jenis standalone ini bermaksud ia tidak disertakan kepada basic plan takaful induk. Manulife medical card is the Best medical insurance in Malaysia? Hello Mr Lieu, I would like to ask why is Zurich medical cards not featured in your comparison? But then the next question is – how would you know that beforehand? 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. 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. 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. 1. Great Eastern Smart Medic Offered by one of the top insurance companies in Malaysia, the Great Eastern Smart Medic is your ideal choice which comes with investment-linked insurance plans as well. We must purchase insurance according to the MM2H Visa. It is just a Takaful version of AIA A-Plus Med with Booster medical card, so it is subject to the weaknesses stated above. Great Eastern General Insurance Limited 1 Pickering Street, #01-01 Great Eastern Centre, Singapore 048659. 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. The medical expenses will be paid by your insurance company as long as the type of treatment is covered in the policy. With minimum RM100/ month, SMART MEDIC can be attached to your main plan. Hi CF, I am 58 this year. Its outpatient kidney dialysis and cancer does not have separate limit; it follows the overall annual limit and lifetime limit of the R&B rate chosen so this is good. For both types of medical cards, cost of insurance or insurance charges, however, is not guaranteed. It does not mean insurer allows for non-disclosure of your pre-existing medical condition – you still need to declare your health condition and medical history truthfully per what you knew or ought to know. The family package is available from AIA. Hi! Medical Card Great Eastern– Sehingga kini khusus di Malaysia, ramai orang telah bertanya soalan yang berkaitan dengan kad perubatan. Ensuring you have access to adequate care is crucial. In other words, underweight or overweight individual can apply without loading. And will I be able to upgrade to or rebuy another medical card in the future given my current health condition? What About Prudential PruValueMed Medical Card? Now we’d like to hear what you have to say. With this enhanced features, you will have access the following features: Clinic Locator – … guaranteed a single room no matter what in the future. Be the first to review “GREAT EASTERN MEDICAL CARD” Cancel reply. 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. Good job. Cashless admission for an extended list of 139. She was treated at UMSC in Petaling Jaya and has been given the all clear. I have been a diabetic type 2 since i was about 37 years old. Phew! For example, when you are first approved for the plan and have a good medical report, you enjoy 20% discount on your premium. This mean it is inflation-proof to a certain extent because you are. 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). You must be logged in to post a review. All product benefits listed in this page are subject to terms and conditions. Required fields are marked *, HowToFinanceMoney © 2011-Present. 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. Both medical cards have a lifetime limit of RM1 million, with the difference of Medical Card A comes with an Annual Limit, whereas Medical Card B does not. 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. This is the most practical, highly actionable guide to buying the best medical card in Malaysia online, instead of just other comparison guides (which often overwhelm you with too much info until you feel confused with over-analysis paralysis). The Malaysian operations was subsequently transferred to a locally incorporated public company, namely Great Eastern Life Assurance (Malaysia) Berhad (93745-A) (Great Eastern Life) under the Scheme of Transfer of Business. What About Prudential Prusenior Med Medical Card? But this is a public comment so I reckon you don’t want to continue the conversation here revealing more personal info. She had tuberculosis about 10 years ago. The intricacies of the best medical insurance is not to be underestimated, especially if you plan to retire in Malaysia for long term. 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. To prevent the hassle of dispute with the insurer on what it is not covered or reimbursable when you thought they are covered. Of course, you still can get admitted to other hospitals, but you will then need to settle in full your medical bill upon discharge and then later file claim to reimburse the medical expenses from the insurance company, usually within 30 days. The co-payment clause in its predecessor, Medisafe Infinite, has been removed. But if it shows improvement, you may receive premium discount of up to 40%, although the premium discount rates are not guaranteed and the rate given may vary from policy year to policy year. 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%. -Customize your own product What About Allianz MediAdvantage Medical Card? Great Eastern shares were trading up seven Singapore cents at S$25.92 as at 4.25pm on Thursday. 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. 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. 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 … 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. 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. For hospital admission, no medical card is required, just present your identity card and inform the hospital you are covered with Etiqa. Understand basic medical card terminologies and why you must get the best health insurance for yourself. Only if you need to get the best overseas medical treatment for severe illnesses (refer to Overseas Medical Treatment section below). AXA eMedic is probably the cheapest and most convenient-to-apply-for term medical insurance that you can buy in Malaysia today. We Always Give The Best to Our Customers ( Family Medical Card, Medical Card with Saving, Investment Plan, Saving Plan ) Do I even need an overseas medical card or health insurance coverage? How much do you think your Malaysian insurer is going to reimburse you? Let me introduce you Great Eastern's latest medical card, Smart Medic. Annual Limit – RM60, 000. 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. Semalam pada 5 Jun 2017, Great Eastern Takaful telah pun dengan jayanya melancarkan satu lagi jenis Medical Card iaitu Medical Card Standlone. Great Medic Xtra offers a high Overall Annual Limit and no Overall Lifetime Limit, giving you greater assurance when you require medical protection 1. 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. Great Eastern medical card is the Best medical insurance in Malaysia? And that comes with a cost in the form of  higher premiums than a standard Malaysian medical card. 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.. BEST MEDICAL CARDS IN MALAYSIA Don't let expensive hospital fees stop you from receiving the medical treatment you deserve. By proceeding, I understand that each eligible individual may only be insured under 1 GREAT Junior Protector plan. Anyway, GE provide 5% discount when there are more than 2 policies in a family. Also, do you agree that medical costs will carry one or more of the characteristics below: For minor condition like cataract or appendicitis, the cost of such treatments may hardly dent your retirement nest egg. 171 likes. 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. The best part of being an industry practitioner, as a licensed, independent financial adviser, is that we are NOT tied to any insurance company. Hong Leong medical card is the Best medical insurance in Malaysia? 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. Lifetime Limit – … It has 180 days of hospital confinement but combined normal hospitalization and ICU (intensive care unit), Starting Sept 2020, new medical card called Smart Medic Million comes with increased annual limit, adds outpatient imaging (MRI/PET) up to RM 5,000 per year and dengue/Zika virus coverage. Allianz MediSafe Infinite + covers treatment in Singapore but following Reasonable & Customary Charges equivalent to local treatment in Malaysia. There are no reviews yet. Yes, the Great Eastern Smart Medic medical card will cover you wherever you are. This article intends to compare some of the main features of the standalone and investment-linked medical cards (i.e. No mention of organ transplant coverage though. Its weaknesses of standalone lifetime limit for outpatient cancer & kidney dialysis makes it unfavorable among the other options available now. We will pay the eligible hospitalisation expenses that you incurred subject to the annual limit of the plan you signed up. Great Eastern Life began its operations in 1908 as a branch office of The Great Eastern Life Assurance Company Limited. 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. Hospital can also process hospital admission without the eMedical card. So we hope you enjoyed it. GREAT EASTERN (M) DISTRIBUTION AGENT Contact & Whatsapp: +60182644860 Email: [email protected] Medical inflation averages about 10% each year and is projected to rise due to advancement in medical technology. This guide has existed since 2015, 2016, 2017,2018, 2019 with 250+ comments below. Can I use my Malaysian medical insurance overseas? 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. Last entry age at 60 but it can only be renewed up to age 70. The New Great Eastern Mobile App allows you to access our health services at your convenience and provide accessibility for busy individuals. 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. You don’t, agree? Prudential most affordable medical card does not use the the term annual limit or lifetime limit. Medical card is a card issued by your insurance provider when you purchase a medical plan. 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”. 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. Also check out, the best medical insurance for senior citizens in Malaysia, Plan Medical Card Terbaik –, Get exact medical card price Malaysia HERE, Which medical card is the best in Malaysia? 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. 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. A Plus Health medical insurance replaced A Plus Med as its flagship medical card in Q4 ’18. 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).

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