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Medical Insurance Card in Malaysia
There are two types of medical cards for individuals in Malaysia. An annual medical insurance card issued by a general insurance company like RHB Insurance. Or a comprehensive lifetime medical insurance card issued by life insurance companies like AIA insurance.
These medical cards pay your hospital and surgical treatment bills in hospitals within Malaysia. In Malaysia, these medical cards are medical insurance plans.
Medical Insurance in Malaysia
Medical insurance in Malaysia are sold to individuals or groups.
Group medical insurance in Malaysia is sold to companies and societies for their employees or members. These group medical insurance plans provides clinic visits (with panel clinics listed) coverage as well as hospital and surgical coverage (GHS Insurance).
Individual medical insurance in Malaysia is sold to individuals. This applies to family members too. These individual medical insurance does not cover clinic visits nor have panel clinics listed. Except for visits related to hospital admission. Contact a medical insurance agent in Malaysia for clarification on your specific medical insurance coverage requirements.
Medical Card Coverage in Malaysia
Medical cards are used for cashless admissions to private hospitals in Malaysia. This works only if the private hospital is a panel hospital of the insurer.
Some panel hospitals will request a cash deposit for admission, even if they get the letter of guarantee from the insurer. AIA’s Platinum Panel Hospitals, do not require cash deposits. AIA’s letter of guarantee (LOG) and the AIA medical card (App is available) is a trusted document for these Platinum Hospitals.
Why Get Medical Insurance in Malaysia?
Medical insurance is a lifeline for many people. Although Malaysia is a blessed country with Government Hospitals and Clinics, there is the long wait times and availability for:
- Doctor and Specialist consultation appointment
- Hospital beds
- ICU and CCU beds
- Treatment options
- Surgery schedule
The medical card gives you fastest access to a wider range of treatment and experienced doctors. All nearest to you, as you can find on the medical card app. With the peace of mind on the medical bill payment and costs in Malaysia.
Frequently Asked Questions on Malaysian Medical Insurance Cards
There are many questions on medical insurance cards and plans in Malaysia. Most questions are specific to the insurance plan, the insurance company type and the underwriter’s review of the application and health declaration forms.
Do bear in mind, your family history, your medical history records or a doctor’s report, can have a strong impact on approval for you to get medical insurance. Which is why it is very important to own your personal medical insurance plan as early in life as possible.
List of usual medical insurance exclusions and questions
If you are already sick, or have a pre-existing disease condition, usually no insurance company or plan will take you. And for many insurance companies, this includes too, the 30 to 120 days (the waiting period) of signing up for an insurance plan, if you are diagnosed with such a health condition,. This waiting period depends on the insurance plan and insurer you sign up with.
a. Hypertension, diabetes mellitus and cardiovascular diseases.
b. All tumors, cysts, nodules and polyps in any part of the body.
c. Stones of the urinary system and biliary system.
d. Diseases of the ear, nose (including sinuses) or throat
e. Hernias, haemorrhoids, fistulae, hydrocele, varicocele.
f. Diseases of the reproductive system including endometriosis
g. Disorders of the spine (including slipped disc) or any knee conditions
h. Congenital birth defects appearing or diagnosed within 17 years of age. Includes epilepsy.
You can read more at this medical insurance coverage page.
No. Life insurance plans’ payout, are paid based on your coverage and doctor’s medical report. No hospital guarantee letter issued nor medical bills required. Life insurance plans payout only when death or total permanent disability (or on policy maturity) occurs. If you are still alive, or capable of going back to work, no payout will be made. Life insurance is usually meant for your loved ones financial needs or to pay for medical, funeral or any other expenses after payout. One time payout only. Then the policy is closed. Unlike medical insurance which resets the payout back to the original coverage every year.
No. Critical Illness insurance are based on your coverage and the doctor’s medical report. Critical illness insurance plans payout when the insured person is diagnosed with the critical illness. The Critical illness plan is then paid out to the named beneficiary. To be used for living expenses and other bills or added to savings. Usually one time payout only (some premium plans allow for upto three times payout) then the policy is closed. Unlike medical insurance which resets the payout back to the original coverage every year.
No. It only covers accidental death or missing body parts resulting from an accident. The highest PA premiums may cover (depending on plan) medical bills arising from accidents only. Illnesses are not covered.
No. This is a choice made by you. And childbirth is the natural result of this process. So plan for your own cash savings for baby delivery costs. And read the fine print of the insurance policy of how to claim for this, if it says this is covered. Ask the agent to show you an official policy to show this. Childbirth and pregnancy complications however, can be covered, depending on the medical or maternity insurance coverage selected. Or you can view the childbirth cash rewards from AIA A-Life Lady360 plans on how to get baby delivery costs covered with AIA’s insurance cash rewards.
It depends on the insurance plan offered. Pregnancy complications are covered by medical insurance as well as the pregnancy maternity insurance plans. The type of complications covered will be different per the respective insurance plans. You will need to read the specific insurance plan for details. Or ask our experienced insurance agent Levine Lee to help clarify this for your specific situation.
It depends on the medical insurance plan offered. Family members are covered only if your medical insurance plan includes the family medical insurance plan option. And only if the insurance plan specifies the age ranges and family member type. It might be cheaper to have individual insurance plans for your family members than a total family medical insurance plan. Call +6012-684 0948 to check with our insurance agents on this.
Yes. A good medical insurance card should work as a travel medical insurance. There are usually time limits overseas (usually 90 days coverage outside of Malaysia, Singapore and Brunei for AIA Malaysia medical insurance cards). Usually this covers Malaysian citizens only. For non-Malaysian citizens, coverage maybe conditional (possible medical emergencies only) depending on the insurer and medical insurance plan purchased. Check with your insurer or experienced insurance agent.
It starts from the medical insurance issue date or commencement date, with conditions. For accidental injuries, the medical insurance is effective immediately from issue date. For illnesses, 30days from issue date. For specified illnesses, 120 days from issue date. For specified maternity complications, 1 year from issue date. These insurance plan start time from issue date, are called waiting periods.
The difference lies in the claims process and the renewal of the medical insurance policy. Some cheap medical insurance plans may change their terms and conditions, on renewal to cover the claims being made.
It depends on the fine print details of the medical insurance policy by insurer. This is based on how real the claim is and their elimination of fraud factors, especially if the doctor’s report contradicts your health declaration when you bought the insurance. Ask our insurance agent Levine Lee on her experiences of such situations.
Life insurance companies like AIA, issue a policy contract that covers the lifetime of the plan. As long as the premiums are paid, the medical insurance card is in force and active for use, without any further changes in the contract details. General insurance companies however, issue an annual contract, that expires at the end of the contracted year. Policy renewal will be a calculated risk, based on your claim history and other factors, extended by them to you. The insurance company may also change the terms and conditions of the medical insurance card policy on renewal. Which is why it is buyer be aware of the contract details when buying the cheapest medical cards.
You are usually qualified if you have no personal history of any critical illness like heart disease, high blood pressure, diabetes, cancer, glaucoma. And not working in a high risk profession. You can see details for medical insurance card entry requirements and coverage.
If you are making a lot of medical claims over time, and are getting older, the insurance company can deem you a high risk and not renew your medical insurance card. Especially as you grow older, with a claim history and a family history of the health condition. AIA A-Life Medical Insurance however, is a lifetime contract, which means it is in force for the life of the contract, as long as you pay the premiums.
Check what type of insurance company issued the medical insurance card policy. Read the policy on termination and renewal clauses. Ask your insurance agent on termination or renewal issues. Ask your family and friends or healthcare professionals on their experiences with medical insurance renewals.
As early as possible. In today’s world, critical illnesses, cancer, heart disease, infections and accidents can happen at any time. Get covered as early as possible. This gives you entry to a continuous cash fund to cover your medical bills. And lets you use your hard earned savings for the other things in life, instead of paying for medical bills.
Lifetime employment has disappeared. Anyone can lose their job at any time. Retirement is at age 60, with no more employment beyond that. Due to modern medicine, average life expectancy (2019 data) has increased to 76.2 (Malaysia) and 83.6 (Singapore) years old. You need a lifetime medical insurance contract, to cover broken bones, replacements, diseases and other health complications that happens in life and in old age. And most company medical insurance bought, do not usually provide enough coverage (due to your company budget) of the medical bills. You will still need to take out money from your own pocket to pay the excess. Your personal medical insurance can cover for this.
It depends on age, gender and your desired coverage. Calculate and see if what you can afford for a lifetime contract at the AIA A-Life Medical Insurance Plan page. Go to this RHB medical insurance page for one of the cheapest medical card in Malaysia.
All personal insurance policies have an indisputability clause. This is for a period of two years from commencement date of insurance policy. Where the insurer can void the policy if any misrepresentation on health conditions was made at the time of application. This means its best to declare any health issues on the health declaration form when applying for personal insurance. Ask our Insurance Agent Levine Lee for clarification in doubt.
Medical Insurance Card – Medical Bills Paid For You
Contact AIA Insurance Agent Levine Lee for Your Medical Insurance Quotation
Levine Lee can can help you to protect yourself and the future of your loved ones. See if you are qualified to buy medical insurance. Get immediate financial security. Don’t touch your savings. Let medical insurance cover your medical bills.
She can help provide the financial security in times of hardship and will be able to ease the financial burden of your dependents in your absence.
Contact our AIA Life Planning Advisor to get in touch with us and start your personal coverage or choose your plan now. See if you are qualified to buy medical insurance. Get covered correctly. Be advised correctly. Call Levine Lee (+6012-684 0948) today to be advised on the best insurance protection personalized for you. Or see the medical insurance card product below for more details.
AIA Medical Insurance Card Malaysia
This is a medical insurance plan from AIA Insurance.
- A-Life Med Regular provides you the medical coverage up to the age 100.
- A-Life Med Regular pays your medical claim in full, without imposing any co-insurance or deductible charges.
- You can be the policy owner for your spouse and children to register for medical insurance
- You can get income tax relief with this medical card up to RM3,000
- Enjoy worldwide assistance services by calling AIA’s 24-hour service hotline +603-21665421 and reverse the call charges.
- The plan details and downloads are in the detailed description below
Send in this pre-order to get the official proposal for you. Nothing needs to be paid for this pre-order.