Compare prices and features of the top medical plans from major insurers in Malaysia. Unless you are settled on relying heavily to the public healthcare system, having a health insurance coverage is a necessity nowadays. I'll need to ask you a few more questions to complete your application. Here, you can find instant quotes to some of the best medical cards offered in the market. If, at the point of buying this medical card, you are an individual aged between 18 to 35 years, your annual premium starts from as low as RM372.06 (Plan 1). Pay and collect points with 8excite; Gain 8excite loyalty points and get great deals after making your contributions Although group insurance coverage is a voluntary benefit by employer, having a Group Term as part of your employment benefits is a good start. Rider Recommendation: It reimburses your medical expenses such as pre and post-hospitalisation charges, intensive care services etc. The different Room and Board limits are to allow policyholders to choose a plan suitable for their room preference and budget. 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. This benefit allows you or a loved one to go around and get different consultations and tests from different professionals before you commit to any of the doctor’s recommendations. Best Deductible Medical Cards in Malaysia 2021 Need a second medical card with lower premiums? The Certificate of Excellence is a yearly honour given out to Best insurance and takaful agents in Malaysia. This plan is designed to ease your financial burden by helping you pay medical expenses in times of prolonged treatment and recovery. e-Medical Pass Benefits Cashless Hospital Admission Guarantee Letters provided with just one phone call to our 24/7 hotline so that you can be admitted to hospital without payment. When comes to payment, I can easily pay with their multiple payment channels." I agree to be contacted by RinggitPlus via WhatsApp regarding my application, AXA Affin SmartCare Optimum Plus Medical Card, RHB Insurance MediSure Supreme Insurance Medical Card, MPI Generali Multi Medi-Plus Medical Card, Great Eastern Smart Extender Max Medical Card, MSIG Healthcare International Insurance Medical Card, Hong Leong Assurance MedGLOBAL IV Plus Medical Card, Tokio Marine Premier MedicPartner Medical Card, MPI Generali Multi Medical Protector Medical Card, Best Free Airport Lounge Access Credit Cards, Guide to Buying Your First Insurance Plan. It means that getting a fever diagnosis with medicines and medical certificate at a private clinic can easily cost you more than RM100 per visit. If you want to pay lower premiums, you should go for a higher deductible medical card. You will now be able to enjoy a No Claim Refund of up to 20% of your medical card’s cost of insurance for the preceding policy year if no claim has been made/paid. 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. The agents are good in recommending plans that are suitable for saving for my children's future as well as getting them medical card. 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. We’ve compiled the best credit cards in Malaysia for 2019. She decides to choose the RM10,000 deductible option. 3. There are many insurance companies in Malaysia and each company has a variety of plans and options. By AXA. You will have the flexibility to choose from RM5,000, RM10,000 or RM30,000 deductibles levels with Retirement Option at age 60. 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. You may be thinking that this is really high, and that you will never need that much. There are two main things to consider when selecting hospital room & board. If at 25 years old you signed up for a medical card at RM372.06, it could be RM400, for example, when you turn 26 years. Choice of the best medical card. These 4 medical cards would most likely be ideal for the average person who is young and healthy. Allianz will offer you up to RM250 per day for up to 150 days for each disability during that person’s life. 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. There are 6 plans you can choose from, with each showing an annual premium according to the age band. See below example on how a personal medical card might do you a favour, even though you are covered by company Group Term: In the diagram above, the deductible amount of RM30,000 is covered by your Group Term first, instead of your own money, whereas the remaining balance is covered by your personal medical card. It’s important to keep yourself protected. Coverage While Travelling Abroad – Supreme Assist. When it comes to your well being Allianz has gone a step further and provide a value added service which is totally free. Read on to find the best credit card in Malaysia for you! Here’s another strategy to keeping your standalone medical card annual premium lower: deductible. I'll need to ask you a few more questions to complete your application. Takaful myClick MediCare gives you the comprehensive medical coverage you really need - minus all the frustrations. Our medical insurance plan covers you up to age 99 next birthday. Family Coverage Option. Your finances should fuel your aspirations. Only agents that have shown the highest quality of service and provided their customer with the best advice are eligible to receive this award. 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. It’s when your insurance helps pay for your hospital & treatment bills – depending on what your plan covers. Get individual medical card and family insurance plan from RM37/month with cashless hospital admission, no medical check-up & great savings online! Her annual premium will be RM3,360. However Allianz has now included new treatments such as targeted therapy, hormonal therapy and immunotherapy. So long as the consultations and tests are related to the same illness of what you end up getting hospitalised for and are within the time period that the medical card gives, you will be covered. 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. Claim history(s) – how much claims have you made and how frequent that happened? Or if you want to dig deeper into one of these companies, keep on going! 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. Get individual medical card and family insurance plan from RM37/month with cashless hospital admission, no medical check-up & great savings online! It is easy to get lost in the avalanche of information and opinions from your life planner, your family and your friends, making it even harder to decide on what’s best. "The family plan is so affordable and it offers a good rates. Compare medical cards with deductible plans and apply now. You can see that there is an instant saving of RM960 a year! As such, Allianz Life Insurance Malaysia Berhad (“Allianz Life”) understands the significance of creating awareness on the importance of having a medical card to both its customers and the general public alike. Before we get into what makes this Allianz medical card one of the best medical cards in Malaysia, you need to be aware that it is a rider for their investment linked plan: Powerlink. The Article. Buying a medical card is hard. 4. ManuHealth Elite. Allianz has upgraded their medisafe infinite+ medical card to become one of the best medical cards available to people. © 2021 Jirnexu Sdn. Compare best medical cards offering cashless admissions with flexible benefits and paying 100% of your medical bills, from major insurers in Malaysia. Secure and Encrypted; Available anytime, anywhere; Simple! When divided by 12 months, you are actually paying RM31 every month. So whether you’re looking for a rewards credit card, petrol, cashback, Islamic or even a basic credit card – we’ve sorted it all out for you. After all, none of the most popular medical cards comes out ahead in every aspect. Not cause you frustrations. The answer is no. Introducing Great Health Direct – an affordable standalone medical plan that provides you medical coverage up to age 80. Will I have a medical card? Medical insurance comes in 2 options: (1) standalone with no frills medical policy, (2) medical rider attached to a life insurance plan such as an investment-linked policy. Ensure that you have sufficient medical coverage with AIA - the best health insurance company in Malaysia. Bhd. Get Covered Now What’s next? Maybank 2 Gold/Platinum Cards. Medic Plus supplements your hospitalization and surgical insurance, with renewal guaranteed after 12 months without a claim. Approval from FSA 2013 would be required upon graduation from the sandbox. You’re in luck! AXA eMedic is arguably Malaysia’s first standalone comprehensive and affordable online medic card... 2. 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 Life is unpredictable but when it comes to your health, it shouldn't be compromised. Unfortunately, it isn’t as simple as buying a medical card, or worse, buying the cheapest medical card. What does this supposed to mean? The basic plans’ annual limits can be significantly increased with the Smart Extender Rider as per below. Having a medical card is an advantage that many may not be aware of when purchasing a health insurance policy. Allianz hospital room and board will give you up to RM250 a day for up to 150 days for each disability for your lifetime. What if you could get even better coverage with a cheaper monthly premium? 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. In comparison, medical rider is more expensive because it is part of a comprehensive insurance plan, whereas standalone medical card is cheaper because it is a pure medical insurance plan. 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. AXA eMedic now provides coverage for Covid-19. An insurance deductible is an amount that the policyholder will need to pay before utilizing their medical card. In some cases, you would still need to go back to the hospital for either treatment of consultation after your initial treatment. The benefit will allow policyholders to cover the costs of travel expenses in the event of an emergency abroad. Read on to find the best credit card in Malaysia for you! Smart Extender will increase the annual limit of 10 times of the corresponding Smart Medic Xtra annual limit. The first one is how much it will cover you for (which ultimately allows to pay for a type of room (shared with 8 others or a private suite) and how many days it will cover you for. To simplify application procedures, this plan is available for you to purchase online. My medical card will cover all possible health issues I may have. What it means by “non-guaranteed” is because of medical inflation and other lifestyle and health factors, an insurance company may or may not renew your health insurance plan. In the past, outpatient treatment for cancer only covers chemotherapy and radiotherapy. Worldwide coverage; Access specialised care all around the world, subject to the reasonable and customary charges in Malaysia. Room and Board for Intensive Care Unit. Our plan also have the convenience of covering your spouse and children in just one policy. Show posts by this member only | Post #1. This can be attributed to the health system in Malaysia. 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. However, as the insurance industry is a highly competitive one, other companies might have launched better medical card plans. Medical plans: Also known as Hospitalisation and Surgical Insurance. Criteria 2: Room and Board for Intensive Care Unit, Criteria 5: Pre-Hospitalisation Consultation and Tests, Criteria 6: Post Hospitalisation Treatment, Learn More About Allianz MediSafe Infinite+, Everything You Need To Know About Allianz MediSafe Infinite+, What makes Allianz Medisafe Infinite+ Unique, Get Personal Support For Allianz MediSafe Infinite+, AIA – A Plus Med + with the A Plus Med Booster, Great Eastern – Smart Medic Xtra 99+ with other riders, Prudential hospital room and board will give you up to RM600 a day for up to 150 days within a policy year. 1. Apply for a medical card on RinggitPlus for exclusive gifts; ... outpatient and other medical benefits. 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. 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. 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. ICU costs is something we’re still searching for since the cost is kept in the dark. Open WhatsApp now. Let’s go into each one in depth. 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. This way, you can afford an inexpensive standalone medical card with high deductible as your first personal medical insurance plan. The minimum Entry Age is 30 days old and maximum entry age is 65 and can be renewed till age 99. However, in a more convenience way, upon hospital admission, you just present your identity card and inform the Panel hospital of your cover by Etiqa. A basic health insurance plan such as standalone medical card is enough to cover your hospitalisation and other medical expenses, at a fraction of your monthly income. Before we go into what to look for in determining the best medical insurance in malaysia, let’s be clear on what the top 4 options are for most people (which doesn’t mean it will be the best for you). So long as you get admitted to a hospital before your consultation time is up, your medical card will cover you for all the different visits. Haven't received my message yet? You can hate your AIA insurance agent very much. If your purpose is to get covered for health only and want to save money on premiums, a standalone medical card is the right way to go. Malaysia Medical Insurance will offer the best health insurance with medical card for cashless admission. The high allowance of up to 180 days will give you as the policyholders' peace of mind when it comes to admission in the hospital. How much refund you are entitled to depends on the which % bracket you fall into and also the cost of insurance which you will be able to find out in your policy contract. This will make accommodating you (or your loved one) much easier as some of their expenses will be covered. 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. Referring to the table of annual premium above, it is evident that the premium cost goes up as the age band increases. Great Eastern Life began its operations in 1908 and has been established for over 111 years. 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. Past health issues – what pre-existing condition(s) you had and how serious was it? A medical card can be structured or sold as a standalone medical card or as a rider. 2. You’re in luck! by Shirleen Tan Scenario 1 – zero deductible: This is the type of medical coverage everyone knows best. Age – the older you are, the more expensive it gets to insure you. Not many companies have been around for over 100 years. No Limit on Room & Board and ICU Stay Having a medical card means all my medical treatment costs are paid for. I know that there is at least one insurance company which offers a medical card without this feature. However, you must always prepare a sum of money upfront to receive the benefit of your medical card. 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. You might be willing to live in Malaysia as an expat or you could be a Malaysian citizen. The difference between a standalone medical card vs a rider. Choice of the best medical card. We’re impressed to find out that MediSafe Infinite+ is the first and only medical card in Malaysia to provide these benefits together. There is no medical card issued for this Certificate. If you or a loved one is admitted to the hospital, the hospital room and board will be used to pay for your accommodation. 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. A medical rider works the same way as a standalone medical card, except that it comes in the forms of investment-linked policy (ILP). Find the Best Agents on iBanding. Up to 2x TreatsPoints from … You can also buy an ILP such as whole life insurance to get a comprehensive insurance coverage in a single premium, with a medical rider add-on. 4 Comprehensive and Affordable Malaysian E-Medic Cards to Consider Today 1. Although we cannot cover every single benefit, here are the most common benefits that you should consider when deciding what medical card to get. Compare best medical cards offering cashless admissions with flexible benefits and paying 100% of your medical bills, from major insurers in Malaysia. That said, here are the annual limits for each of these medical cards. Takaful myClick MediCare gives you the comprehensive medical coverage you really need - minus all the frustrations. For example, if you start noticing some sort of pain in your foot and go to your first doctor and find out that there is something wrong that requires surgery (which would be covered by your medical card), you will have a set amount of time to get second or third opinions on how you can treat the issue. Customisable room and board limits: Four configurations are available:*. So, does every medical card in the market have this feature? Comparing the Medical Card from 3 Major Insurance Companies. 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. 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. Her annual premium will be RM2,400. BEST MEDICAL CARDS IN MALAYSIA Don't let expensive hospital fees stop you from receiving the medical treatment you deserve. As for a rider, it is bundled with an investment policy as an extra feature. 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.”. If you or a loved one needs intensive treatment (for serious … AXA EMEDIC. "The family plan is so affordable and it offers a good rates. 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. Looking for a credit card that best suits your spending style? It is highly recommended that you add the following Rider: Smart Extender. Well with Allianz, you can. Featured. 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. That is why we decided to not only help you FIND the best medical card for YOU, but we also want to help you UNDERSTAND what to look for in a medical card. Let's connect on WhatsApp! Great Medic Xtra offers you a comprehensive medical plan with no co-insurance, providing you the protection you need against high medical cost. But what makes these the top 4 medical cards, let’s get started. Junior Member 18 posts Joined: Dec 2009. Though the trend has been that it has been going up significantly. You see, every single insurance company offers a bunch of different medical cards and each of those medical cards give you different benefits. Card PM. AXA eMedic now provides coverage for Covid-19. It’s vital to have a medical plan even if you have coverage under your employment, especially when medical costs tend to rise each year. 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. Looking to protect your family and loved ones with comprehensive medical coverage? Moreover, this is by no means an extensive list and there are many terms and conditions that would really matter when you are choosing a medical card. Not only you have saved yourself from digging deeper into your own savings, but also applying for a personal loan with high interest rate. This is because the insurance company is covering the actual cost of insuring you. Jirnexu is an approved participant in the BNM Fintech Regulatory Sandbox. paying claims. This can be attributed to the health system in Malaysia. Its 4 key features and what it means to you as the policyholder is: 1. Find the right medical card based on annual limit, lifetime limit, and other features. What if you don’t even have a personal medical card with zero deductible? Scenario 2 – RM10,000 deductible: A deductible is the upfront cash payment borne by you before your insurance money comes in. Best Medical Insurance Plans Malaysia 2021 - Compare Medical Cards So if that is okay for you, let’s get started. Deductible amount ranges from as low as RM1,000 to few hundred thousand, and is common in standalone medical card policies. We take a look at the most popular medical cards in Malaysia and try to assist you in deciding which gives you the best value. In other words, it would be to get a medical card. AXA eMedic. Have the convenience of cashless admissions and outpatient benefits at both government and private hospitals. The agents are good in recommending plans that are suitable for saving for my children's future as well as getting them medical card. Hospital Room and Board entitlement is up to 180 days a year. You can turn to your employment benefits. International Medical University, No.126, Jalan Jalil Perkasa 19, 57000 Bukit Jalil, Wilayah Persekutuan Kuala Lumpur, Malaysia. You might be willing to live in Malaysia as an expat or you could be a Malaysian citizen. She decides to get a Plan 300 and a coverage up to 80 years old. We’ve compiled the best credit cards in Malaysia for 2019. You will get access to top experts from around the world to assist you with your medical decision making. Although medical rider is attached to an ILP, your medical card policy renewal is subject to insurance company discretion too, based on the factors mentioned above. 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. Find out more about the most flexible and affordable individual and family insurance plans here! If you think a medical rider works differently in terms of renewal, think again. There is no lifetime limit on the outpatient treatments for both cancer and kidney dialysis, and this would allow a policyholder to enjoy peace of mind when it comes to medical bills should one have to undergo such treatment. If you or a loved one requires a nursing home or home care due to some disability / condition, your policy may cover you to be admitted to it up to a certain amount of days. No waiting period for confirmed diagnosis. 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. Even when you have not made any claim in your previous policy years, your standalone medical card premium will still increase due to age increment. 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. The outpatient cancer treatment and outpatient kidney dialysis is fully covered as charge subject to the annual limit. Etiqa e-Medical Pass Takaful will help cover your medical needs with our affordable Fast & Easy offerings: This is the type of medical coverage everyone knows best. The annual limit is something that you have to be very aware of. 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. Maybank Islamic Ikhwan American Express Platinum Card-i. She decides to choose the 0 deductible option. AIA hospital room and board will give you up to RM500 a day for up to 120 days within a policy year, Great Eastern hospital room and board will give you up to RM400 a day for up to 180 days within a policy year, Great Eastern will offer to pay for your whole ICU room and board for up to 180 days within a policy year, Allianz will offer to pay for your whole intensive care unit room and board for up to 150 days within a policy year, AIA will also offer to pay for your whole intensive care unit room and board but up to 120 days within a policy, Prudential will offer to pay for your whole room and board for the intensive care unit but only up to 90 days, AIA will cover up to RM 280 a day for up to 120 days within a policy year for daily guardian benefits, Great Eastern will cover up to RM 200 a day for up to 180 days within a policy year for daily guardian benefits. How you would do this is by getting an insurance deductible. In conclusion, owning a personal medical insurance is necessary to better manage your financial risks when you fall sick and are unable to work. 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. 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. That’s why it is more expensive. Back To Beginning of Allianz MediSafe Infinite+, What makes Allianz Medisafe Infinite+ unique is 5 main things: deductibles, no claim refunds, new cancer treatment options, the ability to customise your plan and allows for global expert medical opinion. No waiting period for confirmed diagnosis. Medical Card Takaful Ready for Anything. We take a look at the most popular medical cards in Malaysia and try to assist you in deciding which gives you the best value. This means that if you were unlucky and had different reasons to need a hospital’s room and board within a year, you can. Expat or you could be a Malaysian citizen suitable for saving for my children 's future as as... Paid for be significantly increased with the best credit card in the best medical card in malaysia be a citizen... Of covering your spouse and children in just one policy you should go for a higher medical! Pay lower premiums to Consider when selecting hospital room & board a medical... Base plan, which is life insurance, a medical card, Persekutuan., RM10,000 or RM30,000 deductibles levels with Retirement option at age 60 an... Before utilizing their medical card is a highly competitive one, other companies might have launched medical. 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