{"id":24646,"date":"2021-09-12T16:59:46","date_gmt":"2021-09-12T08:59:46","guid":{"rendered":"https:\/\/www.redcover.com.my\/kad-perubatan-malaysia-dan-jenis-insurans-perubatan\/"},"modified":"2022-07-05T15:25:50","modified_gmt":"2022-07-05T07:25:50","slug":"kad-perubatan-malaysia-dan-jenis-insurans-perubatan","status":"publish","type":"post","link":"https:\/\/www.redcover.com.my\/ms\/kad-perubatan-malaysia-dan-jenis-insurans-perubatan\/","title":{"rendered":"Kad Perubatan Malaysia dan Jenis Insurans Perubatan"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\" id=\"h-medical-insurance-card-in-malaysia\">Kad Insurans Perubatan di Malaysia<\/h2>\n\n<p>Terdapat dua jenis kad perubatan untuk individu di Malaysia. Kad insurans perubatan tahunan yang dikeluarkan oleh syarikat insurans am seperti RHB Insurance. Atau kad insurans perubatan seumur hidup komprehensif yang dikeluarkan oleh syarikat insurans hayat seperti <a href=\"https:\/\/www.redcover.com.my\/ms\/aia-insurance-malaysia\/\">insurans AIA.<\/a><\/p>\n\n<figure class=\"wp-block-embed is-type-video is-provider-videopress wp-block-embed-videopress wp-embed-aspect-16-9 wp-has-aspect-ratio\"><div class=\"wp-block-embed__wrapper\">\n<iframe title=\"VideoPress Video Player\" aria-label='VideoPress Video Player' width='500' height='281' src='https:\/\/videopress.com\/embed\/ix7vYT72?hd=0&amp;cover=1' frameborder='0' allowfullscreen allow='clipboard-write'><\/iframe><script src='https:\/\/v0.wordpress.com\/js\/next\/videopress-iframe.js?m=1674852142'><\/script>\n<\/div><\/figure>\n\n<p>Kad perubatan ini membayar bil rawatan hospital dan pembedahan anda di hospital-hospital di Malaysia. Di Malaysia, kad perubatan ini adalah pelan insurans perubatan.<\/p>\n<div data-block-name=\"woocommerce\/handpicked-products\" data-edit-mode=\"false\" data-products=\"[24287,24233,24318]\" class=\"wc-block-grid wp-block-handpicked-products wp-block-woocommerce-handpicked-products wc-block-handpicked-products has-3-columns has-multiple-rows alignwide\"><ul class=\"wc-block-grid__products\"><li class=\"wc-block-grid__product\">\n\t\t\t\t<a href=\"https:\/\/www.redcover.com.my\/ms\/product\/rhb-medisure-supreme-medical-insurance-2\/\" class=\"wc-block-grid__product-link\">\n\t\t\t\t\t\n\t\t\t\t\t<div class=\"wc-block-grid__product-image\"><img loading=\"lazy\" decoding=\"async\" width=\"500\" height=\"500\" src=\"https:\/\/www.redcover.com.my\/wp-content\/uploads\/RHB-Medical-Insurance-Card-Red-Cover-Product-Pix-500x500.jpg\" class=\"attachment-woocommerce_thumbnail size-woocommerce_thumbnail\" alt=\"Kad Insurans Perubatan RHB daripada Perlindungan Merah\" srcset=\"https:\/\/www.redcover.com.my\/wp-content\/uploads\/RHB-Medical-Insurance-Card-Red-Cover-Product-Pix-500x500.jpg 500w, https:\/\/www.redcover.com.my\/wp-content\/uploads\/RHB-Medical-Insurance-Card-Red-Cover-Product-Pix-300x300.jpg 300w, https:\/\/www.redcover.com.my\/wp-content\/uploads\/RHB-Medical-Insurance-Card-Red-Cover-Product-Pix-150x150.jpg 150w, https:\/\/www.redcover.com.my\/wp-content\/uploads\/RHB-Medical-Insurance-Card-Red-Cover-Product-Pix-768x768.jpg 768w, https:\/\/www.redcover.com.my\/wp-content\/uploads\/RHB-Medical-Insurance-Card-Red-Cover-Product-Pix-600x600.jpg 600w, https:\/\/www.redcover.com.my\/wp-content\/uploads\/RHB-Medical-Insurance-Card-Red-Cover-Product-Pix-690x690.jpg 690w, https:\/\/www.redcover.com.my\/wp-content\/uploads\/RHB-Medical-Insurance-Card-Red-Cover-Product-Pix-180x180.jpg 180w, https:\/\/www.redcover.com.my\/wp-content\/uploads\/RHB-Medical-Insurance-Card-Red-Cover-Product-Pix.jpg 945w\" sizes=\"auto, (max-width: 500px) 100vw, 500px\" \/><\/div>\n\t\t\t\t\t<div class=\"wc-block-grid__product-title\">RHB Medisure Insurans Perubatan Tertinggi<\/div>\n\t\t\t\t<\/a>\n\t\t\t\t<div class=\"wc-block-grid__product-price price\"><span class=\"woocommerce-price-before\">Calculate Now <\/span><\/div>\n\t\t\t\t\n\t\t\t\t<div class=\"wp-block-button wc-block-grid__product-add-to-cart\"><a href=\"https:\/\/www.redcover.com.my\/ms\/product\/rhb-medisure-supreme-medical-insurance-2\/\" aria-label=\"Add to cart: &ldquo;RHB Medisure Insurans Perubatan Tertinggi&rdquo;\" data-quantity=\"1\" data-product_id=\"24233\" data-product_sku=\"RMC-1\" data-price=\"0\" rel=\"nofollow\" class=\"wp-block-button__link  add_to_cart_button\">Select options<\/a><\/div>\n\t\t\t<\/li><li class=\"wc-block-grid__product\">\n\t\t\t\t<a href=\"https:\/\/www.redcover.com.my\/ms\/product\/aia-perubatan-insurans-malaysia\/\" class=\"wc-block-grid__product-link\">\n\t\t\t\t\t\n\t\t\t\t\t<div class=\"wc-block-grid__product-image\"><img loading=\"lazy\" decoding=\"async\" width=\"500\" height=\"500\" src=\"https:\/\/www.redcover.com.my\/wp-content\/uploads\/AIA-Medical-Insurance-Card-Malaysiav3-500x500.jpg\" class=\"attachment-woocommerce_thumbnail size-woocommerce_thumbnail\" alt=\"Kad Insurans Perubatan AIA Malaysia\" srcset=\"https:\/\/www.redcover.com.my\/wp-content\/uploads\/AIA-Medical-Insurance-Card-Malaysiav3-500x500.jpg 500w, https:\/\/www.redcover.com.my\/wp-content\/uploads\/AIA-Medical-Insurance-Card-Malaysiav3-300x300.jpg 300w, https:\/\/www.redcover.com.my\/wp-content\/uploads\/AIA-Medical-Insurance-Card-Malaysiav3-150x150.jpg 150w, https:\/\/www.redcover.com.my\/wp-content\/uploads\/AIA-Medical-Insurance-Card-Malaysiav3-768x768.jpg 768w, https:\/\/www.redcover.com.my\/wp-content\/uploads\/AIA-Medical-Insurance-Card-Malaysiav3-600x600.jpg 600w, https:\/\/www.redcover.com.my\/wp-content\/uploads\/AIA-Medical-Insurance-Card-Malaysiav3-690x690.jpg 690w, https:\/\/www.redcover.com.my\/wp-content\/uploads\/AIA-Medical-Insurance-Card-Malaysiav3-180x180.jpg 180w, https:\/\/www.redcover.com.my\/wp-content\/uploads\/AIA-Medical-Insurance-Card-Malaysiav3.jpg 945w\" sizes=\"auto, (max-width: 500px) 100vw, 500px\" \/><\/div>\n\t\t\t\t\t<div class=\"wc-block-grid__product-title\">Kad Insurans Perubatan AIA Malaysia<\/div>\n\t\t\t\t<\/a>\n\t\t\t\t<div class=\"wc-block-grid__product-price price\"><span class=\"woocommerce-price-before\">Calculate Now <\/span><\/div>\n\t\t\t\t\n\t\t\t\t<div class=\"wp-block-button wc-block-grid__product-add-to-cart\"><a href=\"https:\/\/www.redcover.com.my\/ms\/product\/aia-perubatan-insurans-malaysia\/\" aria-label=\"Add to cart: &ldquo;Kad Insurans Perubatan AIA Malaysia&rdquo;\" data-quantity=\"1\" data-product_id=\"24287\" data-product_sku=\"BMB-1\" data-price=\"0\" rel=\"nofollow\" class=\"wp-block-button__link  add_to_cart_button\">Select options<\/a><\/div>\n\t\t\t<\/li><li class=\"wc-block-grid__product\">\n\t\t\t\t<a href=\"https:\/\/www.redcover.com.my\/ms\/product\/aia-group-hospitalisation-and-surgical-ghs-insurance-package\/\" class=\"wc-block-grid__product-link\">\n\t\t\t\t\t\n\t\t\t\t\t<div class=\"wc-block-grid__product-image\"><img loading=\"lazy\" decoding=\"async\" width=\"500\" height=\"500\" src=\"https:\/\/www.redcover.com.my\/wp-content\/uploads\/AIA-Employee-Benefits-Insurance-600x600-Red-Cover-500x500.jpg\" class=\"attachment-woocommerce_thumbnail size-woocommerce_thumbnail\" alt=\"AIA Manfaat Pekerja Insurans Perlindungan Merah\" srcset=\"https:\/\/www.redcover.com.my\/wp-content\/uploads\/AIA-Employee-Benefits-Insurance-600x600-Red-Cover-500x500.jpg 500w, https:\/\/www.redcover.com.my\/wp-content\/uploads\/AIA-Employee-Benefits-Insurance-600x600-Red-Cover-150x150.jpg 150w, https:\/\/www.redcover.com.my\/wp-content\/uploads\/AIA-Employee-Benefits-Insurance-600x600-Red-Cover-300x300.jpg 300w, https:\/\/www.redcover.com.my\/wp-content\/uploads\/AIA-Employee-Benefits-Insurance-600x600-Red-Cover-180x180.jpg 180w, https:\/\/www.redcover.com.my\/wp-content\/uploads\/AIA-Employee-Benefits-Insurance-600x600-Red-Cover.jpg 600w\" sizes=\"auto, (max-width: 500px) 100vw, 500px\" \/><\/div>\n\t\t\t\t\t<div class=\"wc-block-grid__product-title\">Pakej Insurans Hospital dan Pembedahan Kumpulan AIA (GHS)<\/div>\n\t\t\t\t<\/a>\n\t\t\t\t<div class=\"wc-block-grid__product-price price\"><span class=\"woocommerce-price-before\">Calculate Now <\/span><\/div>\n\t\t\t\t\n\t\t\t\t<div class=\"wp-block-button wc-block-grid__product-add-to-cart\"><a href=\"https:\/\/www.redcover.com.my\/ms\/product\/aia-group-hospitalisation-and-surgical-ghs-insurance-package\/\" aria-label=\"Add to cart: &ldquo;Pakej Insurans Hospital dan Pembedahan Kumpulan AIA (GHS)&rdquo;\" data-quantity=\"1\" data-product_id=\"24318\" data-product_sku=\"GHS-1\" data-price=\"0\" rel=\"nofollow\" class=\"wp-block-button__link  add_to_cart_button\">Select options<\/a><\/div>\n\t\t\t<\/li><\/ul><\/div>\n<h2 class=\"wp-block-heading\" id=\"h-medical-insurance-in-malaysia\">Insurans Perubatan di Malaysia<\/h2>\n\n<p>Insurans perubatan di Malaysia dijual kepada individu atau kumpulan.  <\/p>\n\n<p><a href=\"https:\/\/www.redcover.com.my\/ms\/product\/aia-group-hospitalisation-and-surgical-ghs-insurance-package\/\">Insurans perubatan berkumpulan di Malaysia<\/a> dijual kepada syarikat dan persatuan untuk kakitangan atau ahli mereka. Pelan insurans perubatan berkumpulan ini menyediakan lawatan klinik (dengan klinik panel yang disenaraikan) perlindungan serta perlindungan hospital dan pembedahan <a href=\"https:\/\/www.redcover.com.my\/ms\/product\/aia-group-hospitalisation-and-surgical-ghs-insurance-package\/\">(GHS Insurance).<\/a><\/p>\n\n<p><a href=\"https:\/\/www.redcover.com.my\/ms\/polisi-insurans-kad-perubatan-aia\/\">Insurans perubatan individu<\/a> di Malaysia dijual kepada individu. Ini juga terpakai kepada ahli keluarga. Insurans perubatan individu ini tidak meliputi lawatan klinik atau klinik panel yang disenaraikan. Kecuali lawatan yang berkaitan dengan kemasukan ke hospital. Hubungi <a href=\"https:\/\/www.redcover.com.my\/ms\/ejen-insurans-aia-kl-levine-lee\/\">ejen insurans perubatan di Malaysia<\/a> untuk mendapatkan penjelasan mengenai keperluan perlindungan insurans perubatan khusus anda.  <\/p>\n\n<h2 class=\"wp-block-heading\" id=\"h-medical-card-coverage-in-malaysia\">Perlindungan Kad Perubatan di Malaysia<\/h2>\n\n<p>Kad perubatan digunakan untuk <a href=\"https:\/\/www.redcover.com.my\/ms\/kemasukan-ke-hospital\/\">kemasukan tanpa tunai<\/a> ke hospital swasta di Malaysia. Ini hanya berfungsi jika hospital swasta adalah hospital panel penanggung insurans.  <\/p>\n\n<p>Sesetengah hospital panel akan meminta deposit tunai untuk kemasukan, walaupun mereka mendapat surat jaminan daripada syarikat insurans.  <a href=\"https:\/\/www.redcover.com.my\/ms\/aia-panel-hospitals-dan-bagaimana-untuk-dimasukkan-ke-hospital\/\">Hospital Panel Platinum AIA,<\/a>tidak memerlukan deposit tunai.  <a href=\"https:\/\/www.redcover.com.my\/ms\/surat-jaminan-insurans\/\">Surat jaminan AIA (LOG)<\/a> dan  <a href=\"https:\/\/www.redcover.com.my\/ms\/product\/aia-perubatan-insurans-malaysia\/\">Kad perubatan AIA (Aplikasi tersedia)<\/a> adalah dokumen yang dipercayai untuk Hospital Platinum ini.<\/p>\n\n<h2 class=\"wp-block-heading\" id=\"h-why-get-medical-insurance-in-malaysia\">Mengapa Mendapatkan Insurans Perubatan di Malaysia?<\/h2>\n\n<p id=\"h-medical-insurance-is-a-lifeline-for-many-people-although-malaysia-is-a-blessed-country-with-government-hospitals-and-clinics-with-very-low-cost-of-treatment-there-is-the-long-wait-times-for-consultation-treatment-and-surgery\">Insurans perubatan adalah talian hayat bagi ramai orang. Walaupun Malaysia adalah sebuah negara yang diberkati dengan Hospital dan Klinik <a href=\"https:\/\/www.moh.gov.my\/index.php\/database_stores\/store_view\/3\" target=\"_blank\" rel=\"noreferrer noopener\">Kerajaan,<\/a> terdapat masa menunggu yang lama dan ketersediaan untuk:<\/p>\n\n<ul class=\"wp-block-list\"><li>Pelantikan doktor dan pakar<\/li><li>Katil hospital<\/li><li>Katil ICU dan CCU<\/li><li>Pilihan rawatan<\/li><li>Jadual pembedahan<\/li><\/ul>\n\n<p>Kad perubatan memberikan anda akses terpantas kepada pelbagai rawatan dan doktor yang berpengalaman. Semua terdekat dengan anda, seperti yang anda boleh dapati pada aplikasi kad perubatan. Dengan ketenangan fikiran mengenai pembayaran bil perubatan dan kos di Malaysia.  <\/p>\n\n<h2 class=\"wp-block-heading\" id=\"h-frequently-asked-questions-on-malaysian-medical-insurance-cards\">Soalan Lazim Kad Insurans Perubatan Malaysia<\/h2>\n\n<p>Terdapat banyak soalan mengenai kad dan pelan insurans perubatan di Malaysia. Kebanyakan soalan adalah khusus kepada pelan insurans, jenis syarikat insurans dan semakan penaja jamin terhadap permohonan dan borang pengisytiharan kesihatan.  <\/p>\n\n<p>Perlu diingat, sejarah keluarga anda, rekod sejarah perubatan anda atau laporan doktor, boleh memberi kesan yang kuat kepada kelulusan untuk anda mendapatkan insurans perubatan. Itulah sebabnya sangat penting untuk memiliki pelan insurans perubatan peribadi anda seawal mungkin.<\/p>\n\n<p>Untuk maklumat lanjut mengenai insurans perubatan, anda boleh klik di sini: <a href=\"https:\/\/www.redcover.com.my\/ms\/insurans-perubatan-aia\/\">Insurans Perubatan AIA<\/a><\/p>\n\n<h3 class=\"wp-block-heading\" id=\"h-list-of-usual-medical-insurance-exclusions-and-questions\">Senarai pengecualian dan soalan insurans perubatan biasa<\/h3>\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1601080174216\"><strong class=\"schema-faq-question\">Penyakit sedia ada atau tertentu atau keadaan kesihatan asas<\/strong> <p class=\"schema-faq-answer\">Jika anda sudah sakit, atau mempunyai keadaan penyakit yang sedia ada, biasanya tiada syarikat insurans atau pelan akan membawa anda. Dan bagi banyak syarikat insurans, ini termasuk juga, 30 hingga 120 hari (tempoh menunggu) mendaftar untuk pelan insurans, jika anda didiagnosis dengan keadaan kesihatan sedemikian,. <a href=\"https:\/\/www.redcover.com.my\/ms\/guys-mendapat-tempoh-anda-dilindungi-saya-maksudkan-tempoh-menunggu\/\">Tempoh menunggu<\/a> ini bergantung kepada pelan insurans dan penanggung insurans yang anda mendaftar.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1601080457970\"><strong class=\"schema-faq-question\">Apakah penyakit atau keadaan kesihatan yang sedia ada atau tertentu?<\/strong> <p class=\"schema-faq-answer\">a. Hipertensi, kencing manis mellitus dan penyakit kardiovaskular.<br>b. Semua tumor, sista, nodul dan polip di mana-mana bahagian badan.<br>c. Batu-batu sistem kencing dan sistem biliary.<br>d. Penyakit telinga, hidung (termasuk sinus) atau tekak<br>e. Hernias, haemorrhoids, fistulae, hydrocele, varicocele.<br>f. Penyakit sistem pembiakan termasuk endometriosis<br>g. Gangguan tulang belakang (termasuk cakera tergelincir) atau sebarang keadaan lutut<br>h. Kecacatan kelahiran Congenital muncul atau didiagnosis dalam umur 17 tahun. Termasuk epilepsi.<br><br>Anda boleh membaca lebih lanjut di halaman <a href=\"https:\/\/www.redcover.com.my\/ms\/polisi-insurans-kad-perubatan-aia\/\">perlindungan insurans perubatan<\/a> ini.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1606104021694\"><strong class=\"schema-faq-question\">Adakah Insurans Hayat melindungi bil-bil perubatan?<\/strong> <p class=\"schema-faq-answer\">Tidak Bayaran pelan insurans hayat dibayar berdasarkan perlindungan anda dan laporan perubatan doktor. Tiada surat jaminan hospital dikeluarkan atau bil perubatan diperlukan. Pelan insurans hayat hanya akan dibayar apabila berlaku kematian atau hilang upaya kekal menyeluruh (atau pada kematangan polisi) berlaku. Jika anda masih hidup, atau mampu kembali bekerja, tiada bayaran akan dibuat. Insurans hayat biasanya bertujuan untuk keperluan kewangan orang yang anda sayangi atau membayar perbelanjaan perubatan, pengebumian atau apa-apa perbelanjaan lain selepas pembayaran. Satu kali bayaran sahaja. Kemudian dasar ditutup. Tidak seperti insurans perubatan yang menetapkan semula bayaran balik kepada perlindungan asal setiap tahun.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1606104322966\"><strong class=\"schema-faq-question\">Adakah Insurans Penyakit Kritikal melindungi bil-bil perubatan?<\/strong> <p class=\"schema-faq-answer\">Tidak Insurans Penyakit Kritikal adalah berdasarkan perlindungan anda dan laporan perubatan doktor. Pembayaran pelan insurans penyakit kritikal apabila orang yang diinsuranskan didiagnosis dengan penyakit kritikal. Pelan penyakit kritikal tersebut kemudiannya dibayar kepada waris yang dinamakan. Untuk digunakan untuk perbelanjaan sara hidup dan bil-bil lain atau ditambah kepada simpanan. Biasanya satu pembayaran sekali sahaja (beberapa pelan premium membenarkan pembayaran sehingga tiga kali) maka polisi ditutup. Tidak seperti insurans perubatan yang menetapkan semula bayaran balik kepada perlindungan asal setiap tahun.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1606105253618\"><strong class=\"schema-faq-question\">Adakah Insurans Kemalangan Diri melindungi bil-bil perubatan?<\/strong> <p class=\"schema-faq-answer\">Tidak Ia hanya meliputi kematian akibat kemalangan atau kehilangan bahagian badan akibat kemalangan. Premium KD yang tertinggi mungkin akan melindungi (bergantung kepada pelan) bil-bil perubatan yang timbul daripada kemalangan sahaja. Penyakit tidak dilindungi.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1601081600949\"><strong class=\"schema-faq-question\">Adakah kelahiran kanak-kanak, bersalin atau penghantaran bayi yang dilindungi oleh insurans perubatan di Malaysia?<\/strong> <p class=\"schema-faq-answer\">Tidak Ini adalah pilihan yang dibuat oleh anda. Dan melahirkan anak adalah hasil semulajadi proses ini. Oleh itu, rancanglah penjimatan tunai anda sendiri untuk kos penghantaran bayi. Dan baca cetakan halus polisi insurans bagaimana untuk menuntut ini, jika ia mengatakan ini dilindungi. Minta ejen untuk menunjukkan kepada anda dasar rasmi untuk menunjukkan ini. Walau bagaimanapun, komplikasi bersalin dan kehamilan boleh dilindungi, bergantung kepada <a href=\"https:\/\/www.redcover.com.my\/ms\/aia-bersalin-pelan-perlindungan-insurans-kehamilan-malaysia\/\">perlindungan insurans<\/a> perubatan atau bersalin yang dipilih. Atau anda boleh melihat <a href=\"https:\/\/www.redcover.com.my\/ms\/product\/aia-a-life-lady360-insurance-plans\/\">ganjaran tunai bersalin daripada pelan AIA A-Life Lady360<\/a> tentang cara mendapatkan kos penghantaran bayi yang dilindungi dengan ganjaran tunai insurans AIA.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1601081744238\"><strong class=\"schema-faq-question\">Adakah komplikasi kehamilan dilindungi insurans perubatan?<\/strong> <p class=\"schema-faq-answer\">Ia bergantung kepada pelan insurans yang ditawarkan. Komplikasi kehamilan dilindungi oleh insurans perubatan serta <a href=\"https:\/\/www.redcover.com.my\/ms\/aia-a-life-lady360-lady-insurance-plan\/\">pelan insurans kehamilan.<\/a> Jenis komplikasi yang dilindungi akan berbeza mengikut pelan insurans masing-masing. Anda perlu membaca pelan insurans khusus untuk maklumat lanjut. Atau minta ejen insurans berpengalaman kami Levine Lee untuk membantu menjelaskan perkara ini untuk keadaan khusus anda.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1601433345623\"><strong class=\"schema-faq-question\">Adakah ahli keluarga dilindungi insurans perubatan keluarga?<\/strong> <p class=\"schema-faq-answer\">Ia bergantung kepada pelan insurans perubatan yang ditawarkan. Ahli keluarga dilindungi hanya jika pelan insurans perubatan anda termasuk pilihan pelan insurans perubatan keluarga. Dan hanya jika pelan insurans menentukan julat umur dan jenis ahli keluarga. Ia mungkin lebih murah untuk mempunyai pelan insurans individu untuk ahli keluarga anda daripada jumlah pelan insurans perubatan keluarga. Hubungi <a href=\"tel:+60126840948\">+6012-684 0948<\/a> untuk menyemak dengan ejen insurans kami mengenai perkara ini.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1606108546580\"><strong class=\"schema-faq-question\">Adakah perlindungan kad insurans perubatan semasa melancong di peringkat antarabangsa?<\/strong> <p class=\"schema-faq-answer\">Ya. <a href=\"https:\/\/www.redcover.com.my\/ms\/product\/aia-perubatan-insurans-malaysia\/\">Kad insurans perubatan<\/a> yang baik harus berfungsi sebagai insurans perubatan perjalanan. Biasanya terdapat had masa di luar negara (biasanya perlindungan 90 hari di luar Malaysia, Singapura dan Brunei untuk <a href=\"https:\/\/www.redcover.com.my\/ms\/product\/aia-perubatan-insurans-malaysia\/\">kad insurans perubatan AIA Malaysia).<\/a> Biasanya ini meliputi warganegara Malaysia sahaja. Bagi bukan warganegara Malaysia, perlindungan mungkin bersyarat (kemungkinan kecemasan perubatan sahaja) bergantung kepada pelan insurans dan insurans perubatan yang dibeli. Semak dengan syarikat insurans atau ejen insurans anda yang berpengalaman.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1601433590319\"><strong class=\"schema-faq-question\">Bilakah insurans perubatan akan bermula atau boleh digunakan?<\/strong> <p class=\"schema-faq-answer\">Ia bermula dari tarikh pengeluaran insurans perubatan atau tarikh permulaan, dengan syarat-syarat. Untuk kecederaan akibat kemalangan, insurans perubatan berkuatkuasa serta-merta dari tarikh dikeluarkan. Untuk penyakit, 30 hari dari tarikh dikeluarkan. Bagi penyakit tertentu, 120 hari dari tarikh dikeluarkan. Bagi <a href=\"https:\/\/www.redcover.com.my\/ms\/aia-bersalin-pelan-perlindungan-insurans-kehamilan-malaysia\/\">komplikasi bersalin<\/a>yang ditetapkan, 1 tahun dari tarikh dikeluarkan. Pelan insurans ini bermula dari tarikh dikeluarkan, dipanggil tempoh menunggu.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1606096123470\"><strong class=\"schema-faq-question\">Apakah perbezaan di antara pelan insurans perubatan murah dan pelan insurans perubatan premium?<\/strong> <p class=\"schema-faq-answer\">Perbezaannya terletak pada <a href=\"https:\/\/www.redcover.com.my\/ms\/pemprosesan-tuntutan\/\">proses tuntutan<\/a> dan pembaharuan polisi insurans perubatan. Sesetengah pelan insurans perubatan murah boleh mengubah terma dan syarat mereka, mengenai pembaharuan untuk menampung tuntutan yang dibuat.  <\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1606096274665\"><strong class=\"schema-faq-question\">Apakah perbezaan proses tuntutan di antara penanggung insurans?<\/strong> <p class=\"schema-faq-answer\">Ia bergantung kepada butiran cetakan halus polisi insurans perubatan oleh syarikat insurans. Ini berdasarkan bagaimana sebenarnya tuntutan dan penghapusan faktor penipuan mereka, terutamanya jika laporan doktor bercanggah dengan pengisytiharan kesihatan anda apabila anda membeli insurans. Tanya ejen insurans kami <a href=\"tel:+60126840948\">Levine Lee<\/a> mengenai pengalamannya dalam situasi sedemikian.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1606096587325\"><strong class=\"schema-faq-question\">Adakah pelan insurans perubatan akan diperbaharui jika tuntutan perubatan kerap dibuat?<\/strong> <p class=\"schema-faq-answer\"><a href=\"https:\/\/www.redcover.com.my\/ms\/aia-insurance-malaysia\/\">Syarikat insurans hayat seperti AIA,<\/a>mengeluarkan kontrak polisi yang meliputi sepanjang hayat pelan. Selagi premium dibayar, kad insurans perubatan berkuatkuasa dan aktif untuk digunakan, tanpa sebarang perubahan dalam butiran kontrak. Walau bagaimanapun, syarikat insurans am mengeluarkan kontrak tahunan, yang akan tamat pada akhir tahun yang dikontrakkan. Pembaharuan polisi akan dikira risiko, berdasarkan sejarah tuntutan anda dan faktor-faktor lain, yang dilanjutkan oleh mereka kepada anda. Syarikat insurans juga boleh mengubah terma dan syarat polisi kad insurans perubatan semasa pembaharuan. Itulah sebabnya pembeli menyedari butiran kontrak apabila membeli kad perubatan termurah.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1606096929473\"><strong class=\"schema-faq-question\">Bagaimanakah saya boleh mengetahui sama ada saya layak untuk insurans perubatan?<\/strong> <p class=\"schema-faq-answer\">Anda biasanya berkelayakan jika anda tidak mempunyai sejarah peribadi sebarang penyakit kritikal seperti penyakit jantung, tekanan darah tinggi, kencing manis, kanser, glaukoma. Dan tidak bekerja dalam profesion berisiko tinggi. Anda boleh melihat butiran untuk <a href=\"https:\/\/www.redcover.com.my\/ms\/polisi-insurans-kad-perubatan-aia\/\">keperluan kemasukan dan perlindungan kad insurans perubatan.<\/a><\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1606097174984\"><strong class=\"schema-faq-question\">Mengapakah pelan insurans perubatan saya tidak akan diperbaharui?<\/strong> <p class=\"schema-faq-answer\">Jika anda membuat banyak tuntutan perubatan dari masa ke masa, dan semakin tua, syarikat insurans boleh menganggap anda berisiko tinggi dan tidak memperbaharui kad insurans perubatan anda. Terutama apabila anda semakin tua, dengan sejarah tuntutan dan sejarah keluarga keadaan kesihatan. Walau bagaimanapun, <a href=\"https:\/\/www.redcover.com.my\/ms\/product\/aia-perubatan-insurans-malaysia\/\">AIA A-Life Medical Insurance<\/a> adalah kontrak seumur hidup, yang bermaksud ia berkuatkuasa sepanjang hayat kontrak, selagi anda membayar premium.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1606097538080\"><strong class=\"schema-faq-question\">Bagaimanakah saya boleh mengetahui sama ada kad insurans perubatan saya adalah kontrak seumur hidup?<\/strong> <p class=\"schema-faq-answer\">Semak jenis syarikat insurans yang dikeluarkan polisi kad insurans perubatan. Baca dasar mengenai klausa penamatan dan pembaharuan. Tanya <a href=\"https:\/\/www.redcover.com.my\/ms\/ejen-insurans-aia-kl-levine-lee\/\">ejen insurans<\/a> anda tentang isu penamatan atau pembaharuan. Tanya keluarga dan rakan atau profesional penjagaan kesihatan anda tentang pengalaman mereka dengan pembaharuan insurans perubatan.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1606098654338\"><strong class=\"schema-faq-question\">Bilakah saya perlu membeli Pelan Insurans Perubatan?<\/strong> <p class=\"schema-faq-answer\">Seawal mungkin. Dalam dunia hari ini, <a href=\"https:\/\/www.redcover.com.my\/ms\/aia-39-pelan-insurans-penyakit-kritikal-malaysia\/\">penyakit kritikal,<\/a>kanser, penyakit jantung, jangkitan dan kemalangan boleh berlaku pada bila-bila masa. Dapatkan dilindungi seawal mungkin. Ini memberikan anda kemasukan ke dana tunai yang berterusan untuk menampung bil-bil perubatan anda. Dan membolehkan anda menggunakan simpanan yang diperolehi dengan bersungguh-sungguh untuk perkara-perkara lain dalam hidup, bukannya membayar bil perubatan.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1606098920266\"><strong class=\"schema-faq-question\">Jika saya mempunyai insurans perubatan syarikat, mengapa saya perlu membeli insurans perubatan saya sendiri?<\/strong> <p class=\"schema-faq-answer\">Pekerjaan seumur hidup telah hilang. Sesiapa sahaja boleh kehilangan pekerjaan mereka pada bila-bila masa. Persaraan adalah pada usia 60 tahun, tanpa pekerjaan lagi. Oleh kerana perubatan moden, <a href=\"https:\/\/ourworldindata.org\/life-expectancy\" target=\"_blank\" rel=\"noreferrer noopener\">purata jangka hayat<\/a> (data 2019) telah meningkat kepada 76.2 (Malaysia) dan 83.6 (Singapura) tahun. Anda memerlukan <a href=\"https:\/\/www.redcover.com.my\/ms\/product\/aia-perubatan-insurans-malaysia\/\">kontrak insurans perubatan seumur hidup,<\/a>untuk menampung tulang yang patah, penggantian, penyakit dan komplikasi kesihatan lain yang berlaku dalam kehidupan dan pada usia tua. Dan kebanyakan <a href=\"https:\/\/www.redcover.com.my\/ms\/pelan-insurans-manfaat-pekerja-ejen-insurans-pakar-2\/\">insurans perubatan syarikat<\/a> yang dibeli, biasanya tidak menyediakan perlindungan yang mencukupi (kerana anggaran syarikat anda) bil perubatan. Anda masih perlu mengeluarkan wang dari poket anda sendiri untuk membayar lebihan. Insurans perubatan peribadi anda boleh melindungi untuk ini.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1606099848568\"><strong class=\"schema-faq-question\">Berapakah kos untuk mendapatkan kad insurans perubatan?<\/strong> <p class=\"schema-faq-answer\">Ia bergantung kepada umur, jantina dan perlindungan yang anda inginkan. Kira dan lihat jika anda mampu untuk kontrak seumur hidup di halaman <a href=\"https:\/\/www.redcover.com.my\/ms\/product\/aia-perubatan-insurans-malaysia\/\">Pelan Insurans Perubatan AIA A-Life.<\/a> Pergi ke halaman <a href=\"https:\/\/www.redcover.com.my\/ms\/product\/rhb-medisure-supreme-medical-insurance-2\/\">insurans perubatan RHB<\/a> ini untuk salah satu kad perubatan <a href=\"https:\/\/www.redcover.com.my\/ms\/product\/rhb-medisure-supreme-medical-insurance-2\/\">termurah di Malaysia.<\/a> <\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1607485074196\"><strong class=\"schema-faq-question\">Klausa Ketidakpertikaian dalam Polisi Insurans<\/strong> <p class=\"schema-faq-answer\">Semua polisi insurans peribadi mempunyai klausa yang tidak dapat dipertikaikan. Ini adalah untuk tempoh dua tahun dari tarikh bermulanya polisi insurans. Di mana penanggung insurans boleh membatalkan polisi jika terdapat salah nyata mengenai keadaan kesihatan pada masa permohonan. Ini bermakna yang terbaik untuk mengisytiharkan apa-apa isu kesihatan pada borang pengisytiharan kesihatan apabila memohon insurans peribadi. Minta Ejen Insurans kami <a href=\"tel:+60126840948\">Levine Lee<\/a> untuk penjelasan yang diragui.<\/p> <\/div> <\/div>\n\n<div class=\"wp-block-genesis-blocks-gb-container gb-block-container\"><div class=\"gb-container-inside\"><div class=\"gb-container-content\" style=\"max-width:1600px\">\n<h2 class=\"wp-block-heading\">Kad Insurans Perubatan &#8211; Bil Perubatan Dibayar Untuk Anda<\/h2>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-large\"><a href=\"https:\/\/www.redcover.com.my\/ms\/ejen-insurans-aia-kl-levine-lee\/\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/www.redcover.com.my\/wp-content\/uploads\/\/LevineLee.-InsuranceAgent.TopPerformer2018-1-1024x683.jpg\" alt=\"Ejen Insurans Levine Lee AIA.\" class=\"wp-image-24155\" srcset=\"https:\/\/www.redcover.com.my\/wp-content\/uploads\/LevineLee.-InsuranceAgent.TopPerformer2018-1-1024x683.jpg 1024w, https:\/\/www.redcover.com.my\/wp-content\/uploads\/LevineLee.-InsuranceAgent.TopPerformer2018-1-690x460.jpg 690w, https:\/\/www.redcover.com.my\/wp-content\/uploads\/LevineLee.-InsuranceAgent.TopPerformer2018-1-300x200.jpg 300w, https:\/\/www.redcover.com.my\/wp-content\/uploads\/LevineLee.-InsuranceAgent.TopPerformer2018-1-768x512.jpg 768w, https:\/\/www.redcover.com.my\/wp-content\/uploads\/LevineLee.-InsuranceAgent.TopPerformer2018-1-600x400.jpg 600w, https:\/\/www.redcover.com.my\/wp-content\/uploads\/LevineLee.-InsuranceAgent.TopPerformer2018-1.jpg 1600w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/a><figcaption>Ejen Insurans Levine Lee AIA.<\/figcaption><\/figure><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-contact-aia-insurance-agent-levine-lee-for-your-medical-insurance-quotation\">Hubungi Ejen Insurans AIA Levine Lee untuk Sebut Harga Insurans Perubatan Anda<\/h3>\n\n\n\n<p><a href=\"https:\/\/www.redcover.com.my\/ms\/ejen-insurans-aia-kl-levine-lee\/\">Levine Lee<\/a> boleh membantu anda untuk melindungi diri anda dan masa depan orang yang anda sayangi. Lihat jika anda layak untuk membeli insurans perubatan. Dapatkan keselamatan kewangan segera. Jangan sentuh simpanan anda. Biarkan insurans perubatan melindungi bil-bil perubatan anda.<\/p>\n\n\n\n<p>Dia boleh membantu menyediakan jaminan kewangan semasa kesusahan dan akan dapat meringankan beban kewangan tanggungan anda tanpa kehadiran anda.<\/p>\n\n\n\n<p>Hubungi <a href=\"https:\/\/www.redcover.com.my\/ms\/ejen-insurans-aia-kl-levine-lee\/\">Penasihat Perancangan Hayat AIA<\/a> kami untuk berhubung dengan kami dan memulakan perlindungan peribadi anda atau memilih pelan anda sekarang. Lihat jika anda layak untuk membeli insurans perubatan. Dapatkan dilindungi dengan betul. Dinasihatkan dengan betul. <a href=\"tel:+60126840948\">Hubungi Levine Lee (+6012-684 0948) hari ini untuk dinasihatkan mengenai perlindungan insurans terbaik yang diperibadikan untuk anda<\/a>. Atau lihat produk kad insurans perubatan di bawah untuk maklumat lanjut.<\/p>\n<\/div><\/div><\/div>\n<div data-block-name=\"woocommerce\/featured-product\" data-content-align=\"left\" data-edit-mode=\"false\" data-product-id=\"24287\" class=\"wc-block-featured-product alignnone has-background-dim has-left-content wp-block-woocommerce-featured-product\" style=\"min-height:500px;\"><div class=\"wc-block-featured-product__wrapper\"><div class=\"background-dim__overlay\" style=\"background-color: #000000\"><\/div><img decoding=\"async\" alt=\"Kad Insurans Perubatan AIA Malaysia\" class=\"wc-block-featured-product__background-image\" src=\"https:\/\/www.redcover.com.my\/wp-content\/uploads\/AIA-Medical-Insurance-Card-Malaysiav3.jpg\" style=\"object-fit: none;object-position: 50% 50%;\" \/><h2 class=\"wc-block-featured-product__title\">Kad Insurans Perubatan AIA Malaysia<\/h2><div class=\"wc-block-featured-product__description\"><p>Ini adalah pelan insurans perubatan daripada AIA Insurance.<\/p>\n<ul>\n<li>A-Life Med Regular menyediakan anda perlindungan perubatan sehingga umur 100 tahun.<\/li>\n<li>A-Life Med Regular membayar tuntutan perubatan anda sepenuhnya, tanpa mengenakan sebarang insurans bersama atau caj boleh ditolak.<\/li>\n<li>Anda boleh menjadi pemegang polisi bagi pasangan dan anak-anak anda untuk mendaftar insurans perubatan<\/li>\n<li>Anda boleh mendapatkan pelepasan cukai pendapatan dengan kad perubatan ini sehingga RM3,000<\/li>\n<li>Nikmati perkhidmatan bantuan di seluruh dunia dengan menghubungi talian khidmat AIA 24 jam +603-21665421 dan terbalikkan caj panggilan.<\/li>\n<li>Butiran pelan dan muat turun adalah dalam keterangan terperinci di bawah<\/li>\n<\/ul>\n<p>Hantar dalam pra-pesanan ini untuk mendapatkan cadangan rasmi untuk anda. Tidak ada yang perlu dibayar untuk pra-pesanan ini.<\/p>\n<\/div><div class=\"wc-block-featured-product__price\"><span class=\"woocommerce-price-before\">Calculate Now <\/span><\/div><div class=\"wc-block-featured-product__inner-blocks\">\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-16018d1d wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link\" href=\"https:\/\/www.redcover.com.my\/product\/aia-medical-insurance-card-malaysia\/\">Membeli-belah sekarang<\/a><\/div>\n<\/div>\n\n<\/div><\/div><\/div>\n<div class=\"wp-block-buttons is-horizontal is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-499968f5 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-background\" href=\"https:\/\/www.redcover.com.my\/product\/rhb-medisure-supreme-medical-insurance\/\" style=\"background-color:#326bdc\">Kira harga kad Insurans perubatan termurah<\/a><\/div>\n<\/div>\n\n<div class=\"wp-block-buttons is-horizontal is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-499968f5 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-custom-background-color has-background\" href=\"https:\/\/www.redcover.com.my\/product\/aia-medical-insurance-card-malaysia\/\">Kira harga kad Insurans perubatan Terbaik<\/a><\/div>\n<\/div>\n\n<div class=\"wp-block-buttons is-horizontal is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-499968f5 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-background\" href=\"tel:+60126840948\" style=\"background-color:#ff0000\">Hubungi Ejen Insurans AIA Levine Lee untuk Maklumat Lanjut<\/a><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Kad Insurans Perubatan di Malaysia Terdapat dua jenis kad perubatan untuk individu di Malaysia. Kad insurans perubatan tahunan yang dikeluarkan oleh syarikat insurans am seperti RHB Insurance. Atau kad insurans perubatan seumur hidup komprehensif yang dikeluarkan oleh syarikat insurans hayat seperti insurans AIA. Kad perubatan ini membayar bil rawatan hospital dan pembedahan anda di hospital-hospital [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":24649,"comment_status":"closed","ping_status":"closed","sticky":true,"template":"","format":"standard","meta":{"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"content-sidebar","_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[3066],"tags":[3100,3011,3098,3096,3104,3097,3099,3010,3092,3095,3093,3094,3103,3102,3101],"class_list":{"0":"post-24646","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-insurans-perubatan-malaysia","8":"tag-bayaran-bil-perubatan","9":"tag-insurans-perubatan","10":"tag-insurans-perubatan-berkumpulan","11":"tag-insurans-perubatan-keluarga","12":"tag-insurans-perubatan-perjalanan","13":"tag-insurans-perubatan-perniagaan","14":"tag-insurans-perubatan-perniagaan-kecil","15":"tag-kad-perubatan","16":"tag-kad-perubatan-aia","17":"tag-kad-perubatan-keluarga","18":"tag-kad-perubatan-malaysia","19":"tag-kad-perubatan-terbaik-di-malaysia","20":"tag-kemasukan-hospital-tanpa-tunai","21":"tag-kemasukan-tanpa-tunai","22":"tag-membayar-bil-bil-perubatan","23":"entry"},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.2 (Yoast SEO v27.2) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Kad Perubatan Malaysia dan Jenis Insurans Perubatan - Red Cover<\/title>\n<meta name=\"description\" content=\"Kad Perubatan di Malaysia dengan Perlindungan Pelan Insurans Perubatan Terbaik untuk Individu, Keluarga dan Perniagaan. Klik untuk maklumat di dalam.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.redcover.com.my\/ms\/kad-perubatan-malaysia-dan-jenis-insurans-perubatan\/\" \/>\n<meta property=\"og:locale\" content=\"ms_MY\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Kad Perubatan Malaysia dan Jenis Insurans Perubatan\" \/>\n<meta property=\"og:description\" content=\"Kad Perubatan di Malaysia dengan Perlindungan Pelan Insurans Perubatan Terbaik untuk Individu, Keluarga dan Perniagaan. 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She has over 15 years of working experience with AIA and ING Insurance as an insurance agent and life planner. This makes her efficient and effective to manage clients for AIA Group Insurance Plans, AIA Life Insurance and AIA Takaful policies. Based in Kuala Lumpur (KL) in the Klang Valley in Malaysia, Levine serves her customers all over Malaysia. And also corporate clients from overseas for their operations in Malaysia.\",\"sameAs\":[\"https:\/\/www.redcover.com.my\/aia-insurance-agent-levine-lee\/\",\"https:\/\/web.facebook.com\/LevineLeeAIA\/\",\"https:\/\/x.com\/LevineLeeSaw\"],\"url\":\"https:\/\/www.redcover.com.my\/ms\/author\/levine\/\"},{\"@type\":\"Question\",\"@id\":\"https:\/\/www.redcover.com.my\/ms\/kad-perubatan-malaysia-dan-jenis-insurans-perubatan\/#faq-question-1601080174216\",\"position\":1,\"url\":\"https:\/\/www.redcover.com.my\/ms\/kad-perubatan-malaysia-dan-jenis-insurans-perubatan\/#faq-question-1601080174216\",\"name\":\"Pre-existing or specified illness or underlying health conditions\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"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 <a href=\\\"https:\/\/www.redcover.com.my\/waiting-periods-issues\/\\\">waiting period<\/a> depends on the insurance plan and insurer you sign up with.\",\"inLanguage\":\"ms-MY\"},\"inLanguage\":\"ms-MY\"},{\"@type\":\"Question\",\"@id\":\"https:\/\/www.redcover.com.my\/ms\/kad-perubatan-malaysia-dan-jenis-insurans-perubatan\/#faq-question-1601080457970\",\"position\":2,\"url\":\"https:\/\/www.redcover.com.my\/ms\/kad-perubatan-malaysia-dan-jenis-insurans-perubatan\/#faq-question-1601080457970\",\"name\":\"What is a pre-existing or specified illness or health conditions?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"a.  Hypertension, diabetes mellitus and cardiovascular diseases.<br \/>b.  All tumors, cysts, nodules and polyps in any part of the body.<br \/>c.  Stones of the urinary system and biliary system.<br \/>d.  Diseases of the ear, nose (including sinuses) or throat<br \/>e.  Hernias, haemorrhoids, fistulae, hydrocele, varicocele.<br \/>f.  Diseases of the reproductive system including endometriosis<br \/>g. Disorders of the spine (including slipped disc) or any knee conditions<br \/>h.  Congenital birth defects appearing or diagnosed within 17 years of age.  Includes epilepsy.<br \/><br \/>You can read more at this <a href=\\\"https:\/\/www.redcover.com.my\/a-life-medical-card-insurance\/\\\">medical insurance coverage<\/a> page.\",\"inLanguage\":\"ms-MY\"},\"inLanguage\":\"ms-MY\"},{\"@type\":\"Question\",\"@id\":\"https:\/\/www.redcover.com.my\/ms\/kad-perubatan-malaysia-dan-jenis-insurans-perubatan\/#faq-question-1606104021694\",\"position\":3,\"url\":\"https:\/\/www.redcover.com.my\/ms\/kad-perubatan-malaysia-dan-jenis-insurans-perubatan\/#faq-question-1606104021694\",\"name\":\"Does Life Insurance cover medical bills?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"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.\",\"inLanguage\":\"ms-MY\"},\"inLanguage\":\"ms-MY\"},{\"@type\":\"Question\",\"@id\":\"https:\/\/www.redcover.com.my\/ms\/kad-perubatan-malaysia-dan-jenis-insurans-perubatan\/#faq-question-1606104322966\",\"position\":4,\"url\":\"https:\/\/www.redcover.com.my\/ms\/kad-perubatan-malaysia-dan-jenis-insurans-perubatan\/#faq-question-1606104322966\",\"name\":\"Does Critical Illness Insurance cover medical bills?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"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.\",\"inLanguage\":\"ms-MY\"},\"inLanguage\":\"ms-MY\"},{\"@type\":\"Question\",\"@id\":\"https:\/\/www.redcover.com.my\/ms\/kad-perubatan-malaysia-dan-jenis-insurans-perubatan\/#faq-question-1606105253618\",\"position\":5,\"url\":\"https:\/\/www.redcover.com.my\/ms\/kad-perubatan-malaysia-dan-jenis-insurans-perubatan\/#faq-question-1606105253618\",\"name\":\"Does Personal Accident Insurance cover medical bills?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"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.\",\"inLanguage\":\"ms-MY\"},\"inLanguage\":\"ms-MY\"},{\"@type\":\"Question\",\"@id\":\"https:\/\/www.redcover.com.my\/ms\/kad-perubatan-malaysia-dan-jenis-insurans-perubatan\/#faq-question-1601081600949\",\"position\":6,\"url\":\"https:\/\/www.redcover.com.my\/ms\/kad-perubatan-malaysia-dan-jenis-insurans-perubatan\/#faq-question-1601081600949\",\"name\":\"Is child birth, maternity or baby delivery covered by medical insurance in Malaysia?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"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 <a href=\\\"https:\/\/www.redcover.com.my\/aia-maternity-pregnancy-insurance-coverage-plans-malaysia\/\\\">maternity insurance coverage<\/a> selected.  Or you can view the <a href=\\\"https:\/\/www.redcover.com.my\/product\/aia-a-life-lady360-insurance-plans\/\\\">childbirth cash rewards from AIA A-Life Lady360 plans<\/a> on how to get baby delivery costs covered with AIA's insurance cash rewards.\",\"inLanguage\":\"ms-MY\"},\"inLanguage\":\"ms-MY\"},{\"@type\":\"Question\",\"@id\":\"https:\/\/www.redcover.com.my\/ms\/kad-perubatan-malaysia-dan-jenis-insurans-perubatan\/#faq-question-1601081744238\",\"position\":7,\"url\":\"https:\/\/www.redcover.com.my\/ms\/kad-perubatan-malaysia-dan-jenis-insurans-perubatan\/#faq-question-1601081744238\",\"name\":\"Are pregnancy complications covered by medical insurance?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"It depends on the insurance plan offered.  Pregnancy complications are covered by medical insurance as well as the <a href=\\\"https:\/\/www.redcover.com.my\/aia-a-life-lady360-lady-insurance-plan\/\\\">pregnancy maternity insurance plans<\/a>.  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.\",\"inLanguage\":\"ms-MY\"},\"inLanguage\":\"ms-MY\"},{\"@type\":\"Question\",\"@id\":\"https:\/\/www.redcover.com.my\/ms\/kad-perubatan-malaysia-dan-jenis-insurans-perubatan\/#faq-question-1601433345623\",\"position\":8,\"url\":\"https:\/\/www.redcover.com.my\/ms\/kad-perubatan-malaysia-dan-jenis-insurans-perubatan\/#faq-question-1601433345623\",\"name\":\"Are family members covered by a family medical insurance?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"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 <a href=\\\"tel:+60126840948\\\">+6012-684 0948<\/a> to check with our insurance agents on this.\",\"inLanguage\":\"ms-MY\"},\"inLanguage\":\"ms-MY\"},{\"@type\":\"Question\",\"@id\":\"https:\/\/www.redcover.com.my\/ms\/kad-perubatan-malaysia-dan-jenis-insurans-perubatan\/#faq-question-1606108546580\",\"position\":9,\"url\":\"https:\/\/www.redcover.com.my\/ms\/kad-perubatan-malaysia-dan-jenis-insurans-perubatan\/#faq-question-1606108546580\",\"name\":\"Does the medical insurance card cover when travelling internationally?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Yes.  A <a href=\\\"https:\/\/www.redcover.com.my\/product\/aia-medical-insurance-card-malaysia\/\\\">good medical insurance card<\/a>  should work as a travel medical insurance.  There are usually time limits overseas (usually 90 days coverage outside of Malaysia, Singapore and Brunei for <a href=\\\"https:\/\/www.redcover.com.my\/product\/aia-medical-insurance-card-malaysia\/\\\">AIA Malaysia medical insurance cards<\/a>).  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.\",\"inLanguage\":\"ms-MY\"},\"inLanguage\":\"ms-MY\"},{\"@type\":\"Question\",\"@id\":\"https:\/\/www.redcover.com.my\/ms\/kad-perubatan-malaysia-dan-jenis-insurans-perubatan\/#faq-question-1601433590319\",\"position\":10,\"url\":\"https:\/\/www.redcover.com.my\/ms\/kad-perubatan-malaysia-dan-jenis-insurans-perubatan\/#faq-question-1601433590319\",\"name\":\"When will the medical insurance start or can be used?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"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 <a href=\\\"https:\/\/www.redcover.com.my\/aia-maternity-pregnancy-insurance-coverage-plans-malaysia\/\\\">maternity complications<\/a>, 1 year from issue date.  These insurance plan start time from issue date, are called waiting periods.\",\"inLanguage\":\"ms-MY\"},\"inLanguage\":\"ms-MY\"},{\"@type\":\"Question\",\"@id\":\"https:\/\/www.redcover.com.my\/ms\/kad-perubatan-malaysia-dan-jenis-insurans-perubatan\/#faq-question-1606096123470\",\"position\":11,\"url\":\"https:\/\/www.redcover.com.my\/ms\/kad-perubatan-malaysia-dan-jenis-insurans-perubatan\/#faq-question-1606096123470\",\"name\":\"What is the difference between a cheap medical insurance plan and a premium medical insurance plan?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The difference lies in the <a href=\\\"https:\/\/www.redcover.com.my\/claims-processing-guidance\/\\\">claims process<\/a> 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. \",\"inLanguage\":\"ms-MY\"},\"inLanguage\":\"ms-MY\"},{\"@type\":\"Question\",\"@id\":\"https:\/\/www.redcover.com.my\/ms\/kad-perubatan-malaysia-dan-jenis-insurans-perubatan\/#faq-question-1606096274665\",\"position\":12,\"url\":\"https:\/\/www.redcover.com.my\/ms\/kad-perubatan-malaysia-dan-jenis-insurans-perubatan\/#faq-question-1606096274665\",\"name\":\"What is the difference in the claims processes between insurers?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"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 <a href=\\\"tel:+60126840948\\\">insurance agent Levine Lee<\/a> on her experiences of such situations.\",\"inLanguage\":\"ms-MY\"},\"inLanguage\":\"ms-MY\"},{\"@type\":\"Question\",\"@id\":\"https:\/\/www.redcover.com.my\/ms\/kad-perubatan-malaysia-dan-jenis-insurans-perubatan\/#faq-question-1606096587325\",\"position\":13,\"url\":\"https:\/\/www.redcover.com.my\/ms\/kad-perubatan-malaysia-dan-jenis-insurans-perubatan\/#faq-question-1606096587325\",\"name\":\"Will the medical insurance plan be renewed if frequent medical claims are made?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<a href=\\\"https:\/\/www.redcover.com.my\/aia-insurance-malaysia\/\\\">Life insurance companies like AIA<\/a>, 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.\",\"inLanguage\":\"ms-MY\"},\"inLanguage\":\"ms-MY\"},{\"@type\":\"Question\",\"@id\":\"https:\/\/www.redcover.com.my\/ms\/kad-perubatan-malaysia-dan-jenis-insurans-perubatan\/#faq-question-1606096929473\",\"position\":14,\"url\":\"https:\/\/www.redcover.com.my\/ms\/kad-perubatan-malaysia-dan-jenis-insurans-perubatan\/#faq-question-1606096929473\",\"name\":\"How do I know if I am qualified for medical insurance?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"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 <a href=\\\"https:\/\/www.redcover.com.my\/a-life-medical-card-insurance\/\\\">medical insurance card entry requirements and coverage<\/a>.\",\"inLanguage\":\"ms-MY\"},\"inLanguage\":\"ms-MY\"},{\"@type\":\"Question\",\"@id\":\"https:\/\/www.redcover.com.my\/ms\/kad-perubatan-malaysia-dan-jenis-insurans-perubatan\/#faq-question-1606097174984\",\"position\":15,\"url\":\"https:\/\/www.redcover.com.my\/ms\/kad-perubatan-malaysia-dan-jenis-insurans-perubatan\/#faq-question-1606097174984\",\"name\":\"Why would my medical insurance plan not be renewed?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"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.  <a href=\\\"https:\/\/www.redcover.com.my\/product\/aia-medical-insurance-card-malaysia\/\\\">AIA A-Life Medical Insurance<\/a> however, is a lifetime contract, which means it is in force for the life of the contract, as long as you pay the premiums.\",\"inLanguage\":\"ms-MY\"},\"inLanguage\":\"ms-MY\"},{\"@type\":\"Question\",\"@id\":\"https:\/\/www.redcover.com.my\/ms\/kad-perubatan-malaysia-dan-jenis-insurans-perubatan\/#faq-question-1606097538080\",\"position\":16,\"url\":\"https:\/\/www.redcover.com.my\/ms\/kad-perubatan-malaysia-dan-jenis-insurans-perubatan\/#faq-question-1606097538080\",\"name\":\"How would I know if my medical insurance card is a lifetime contract?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Check what type of insurance company issued the medical insurance card policy.  Read the policy on termination and renewal clauses.  Ask your <a href=\\\"https:\/\/www.redcover.com.my\/aia-insurance-agent-kl-levine-lee\/\\\">insurance agent<\/a> on termination or renewal issues.  Ask your family and friends or healthcare professionals on their experiences with medical insurance renewals.\",\"inLanguage\":\"ms-MY\"},\"inLanguage\":\"ms-MY\"},{\"@type\":\"Question\",\"@id\":\"https:\/\/www.redcover.com.my\/ms\/kad-perubatan-malaysia-dan-jenis-insurans-perubatan\/#faq-question-1606098654338\",\"position\":17,\"url\":\"https:\/\/www.redcover.com.my\/ms\/kad-perubatan-malaysia-dan-jenis-insurans-perubatan\/#faq-question-1606098654338\",\"name\":\"When should I buy a Medical Insurance Plan?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"As early as possible.  In today's world, <a href=\\\"https:\/\/www.redcover.com.my\/39-critical-illness-insurance-cover-and-protection\/\\\">critical illnesses<\/a>, 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.\",\"inLanguage\":\"ms-MY\"},\"inLanguage\":\"ms-MY\"},{\"@type\":\"Question\",\"@id\":\"https:\/\/www.redcover.com.my\/ms\/kad-perubatan-malaysia-dan-jenis-insurans-perubatan\/#faq-question-1606098920266\",\"position\":18,\"url\":\"https:\/\/www.redcover.com.my\/ms\/kad-perubatan-malaysia-dan-jenis-insurans-perubatan\/#faq-question-1606098920266\",\"name\":\"If I have a company medical insurance, why should I buy my own medical insurance?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"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, <a href=\\\"https:\/\/ourworldindata.org\/life-expectancy\\\" target=\\\"_blank\\\" rel=\\\"noreferrer noopener\\\">average life expectancy<\/a> (2019 data) has increased to 76.2 (Malaysia) and 83.6 (Singapore) years old.  You need a <a href=\\\"https:\/\/www.redcover.com.my\/product\/aia-medical-insurance-card-malaysia\/\\\">lifetime medical insurance contract<\/a>, to cover broken bones, replacements, diseases and other health complications that happens in life and in old age.   And most <a href=\\\"https:\/\/www.redcover.com.my\/employee-benefits-insurance-plans-adjul19\/\\\">company medical insurance<\/a> 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.\",\"inLanguage\":\"ms-MY\"},\"inLanguage\":\"ms-MY\"},{\"@type\":\"Question\",\"@id\":\"https:\/\/www.redcover.com.my\/ms\/kad-perubatan-malaysia-dan-jenis-insurans-perubatan\/#faq-question-1606099848568\",\"position\":19,\"url\":\"https:\/\/www.redcover.com.my\/ms\/kad-perubatan-malaysia-dan-jenis-insurans-perubatan\/#faq-question-1606099848568\",\"name\":\"How much would it cost to get a medical insurance card?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"It depends on age, gender and your desired coverage.  Calculate and see if what you can afford for a lifetime contract at the <a href=\\\"https:\/\/www.redcover.com.my\/product\/aia-medical-insurance-card-malaysia\/\\\">AIA A-Life Medical Insurance Plan<\/a> page.  Go to this <a href=\\\"https:\/\/www.redcover.com.my\/product\/rhb-medisure-supreme-medical-insurance\/\\\">RHB medical insurance<\/a> page for one of the <a href=\\\"https:\/\/www.redcover.com.my\/product\/rhb-medisure-supreme-medical-insurance\/\\\">cheapest medical card in Malaysia<\/a>. \",\"inLanguage\":\"ms-MY\"},\"inLanguage\":\"ms-MY\"},{\"@type\":\"Question\",\"@id\":\"https:\/\/www.redcover.com.my\/ms\/kad-perubatan-malaysia-dan-jenis-insurans-perubatan\/#faq-question-1607485074196\",\"position\":20,\"url\":\"https:\/\/www.redcover.com.my\/ms\/kad-perubatan-malaysia-dan-jenis-insurans-perubatan\/#faq-question-1607485074196\",\"name\":\"Indisputability Clause in the Insurance Policy\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"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 <a href=\\\"tel:+60126840948\\\">Insurance Agent Levine Lee<\/a> for clarification in doubt.\",\"inLanguage\":\"ms-MY\"},\"inLanguage\":\"ms-MY\"}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"Kad Perubatan Malaysia dan Jenis Insurans Perubatan - Red Cover","description":"Kad Perubatan di Malaysia dengan Perlindungan Pelan Insurans Perubatan Terbaik untuk Individu, Keluarga dan Perniagaan. 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She has over 15 years of working experience with AIA and ING Insurance as an insurance agent and life planner. This makes her efficient and effective to manage clients for AIA Group Insurance Plans, AIA Life Insurance and AIA Takaful policies. Based in Kuala Lumpur (KL) in the Klang Valley in Malaysia, Levine serves her customers all over Malaysia. And also corporate clients from overseas for their operations in Malaysia.","sameAs":["https:\/\/www.redcover.com.my\/aia-insurance-agent-levine-lee\/","https:\/\/web.facebook.com\/LevineLeeAIA\/","https:\/\/x.com\/LevineLeeSaw"],"url":"https:\/\/www.redcover.com.my\/ms\/author\/levine\/"},{"@type":"Question","@id":"https:\/\/www.redcover.com.my\/ms\/kad-perubatan-malaysia-dan-jenis-insurans-perubatan\/#faq-question-1601080174216","position":1,"url":"https:\/\/www.redcover.com.my\/ms\/kad-perubatan-malaysia-dan-jenis-insurans-perubatan\/#faq-question-1601080174216","name":"Pre-existing or specified illness or underlying health conditions","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"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 <a href=\"https:\/\/www.redcover.com.my\/waiting-periods-issues\/\">waiting period<\/a> depends on the insurance plan and insurer you sign up with.","inLanguage":"ms-MY"},"inLanguage":"ms-MY"},{"@type":"Question","@id":"https:\/\/www.redcover.com.my\/ms\/kad-perubatan-malaysia-dan-jenis-insurans-perubatan\/#faq-question-1601080457970","position":2,"url":"https:\/\/www.redcover.com.my\/ms\/kad-perubatan-malaysia-dan-jenis-insurans-perubatan\/#faq-question-1601080457970","name":"What is a pre-existing or specified illness or health conditions?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"a.  Hypertension, diabetes mellitus and cardiovascular diseases.<br \/>b.  All tumors, cysts, nodules and polyps in any part of the body.<br \/>c.  Stones of the urinary system and biliary system.<br \/>d.  Diseases of the ear, nose (including sinuses) or throat<br \/>e.  Hernias, haemorrhoids, fistulae, hydrocele, varicocele.<br \/>f.  Diseases of the reproductive system including endometriosis<br \/>g. Disorders of the spine (including slipped disc) or any knee conditions<br \/>h.  Congenital birth defects appearing or diagnosed within 17 years of age.  Includes epilepsy.<br \/><br \/>You can read more at this <a href=\"https:\/\/www.redcover.com.my\/a-life-medical-card-insurance\/\">medical insurance coverage<\/a> page.","inLanguage":"ms-MY"},"inLanguage":"ms-MY"},{"@type":"Question","@id":"https:\/\/www.redcover.com.my\/ms\/kad-perubatan-malaysia-dan-jenis-insurans-perubatan\/#faq-question-1606104021694","position":3,"url":"https:\/\/www.redcover.com.my\/ms\/kad-perubatan-malaysia-dan-jenis-insurans-perubatan\/#faq-question-1606104021694","name":"Does Life Insurance cover medical bills?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"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.","inLanguage":"ms-MY"},"inLanguage":"ms-MY"},{"@type":"Question","@id":"https:\/\/www.redcover.com.my\/ms\/kad-perubatan-malaysia-dan-jenis-insurans-perubatan\/#faq-question-1606104322966","position":4,"url":"https:\/\/www.redcover.com.my\/ms\/kad-perubatan-malaysia-dan-jenis-insurans-perubatan\/#faq-question-1606104322966","name":"Does Critical Illness Insurance cover medical bills?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"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.","inLanguage":"ms-MY"},"inLanguage":"ms-MY"},{"@type":"Question","@id":"https:\/\/www.redcover.com.my\/ms\/kad-perubatan-malaysia-dan-jenis-insurans-perubatan\/#faq-question-1606105253618","position":5,"url":"https:\/\/www.redcover.com.my\/ms\/kad-perubatan-malaysia-dan-jenis-insurans-perubatan\/#faq-question-1606105253618","name":"Does Personal Accident Insurance cover medical bills?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"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.","inLanguage":"ms-MY"},"inLanguage":"ms-MY"},{"@type":"Question","@id":"https:\/\/www.redcover.com.my\/ms\/kad-perubatan-malaysia-dan-jenis-insurans-perubatan\/#faq-question-1601081600949","position":6,"url":"https:\/\/www.redcover.com.my\/ms\/kad-perubatan-malaysia-dan-jenis-insurans-perubatan\/#faq-question-1601081600949","name":"Is child birth, maternity or baby delivery covered by medical insurance in Malaysia?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"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 <a href=\"https:\/\/www.redcover.com.my\/aia-maternity-pregnancy-insurance-coverage-plans-malaysia\/\">maternity insurance coverage<\/a> selected.  Or you can view the <a href=\"https:\/\/www.redcover.com.my\/product\/aia-a-life-lady360-insurance-plans\/\">childbirth cash rewards from AIA A-Life Lady360 plans<\/a> on how to get baby delivery costs covered with AIA's insurance cash rewards.","inLanguage":"ms-MY"},"inLanguage":"ms-MY"},{"@type":"Question","@id":"https:\/\/www.redcover.com.my\/ms\/kad-perubatan-malaysia-dan-jenis-insurans-perubatan\/#faq-question-1601081744238","position":7,"url":"https:\/\/www.redcover.com.my\/ms\/kad-perubatan-malaysia-dan-jenis-insurans-perubatan\/#faq-question-1601081744238","name":"Are pregnancy complications covered by medical insurance?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"It depends on the insurance plan offered.  Pregnancy complications are covered by medical insurance as well as the <a href=\"https:\/\/www.redcover.com.my\/aia-a-life-lady360-lady-insurance-plan\/\">pregnancy maternity insurance plans<\/a>.  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.","inLanguage":"ms-MY"},"inLanguage":"ms-MY"},{"@type":"Question","@id":"https:\/\/www.redcover.com.my\/ms\/kad-perubatan-malaysia-dan-jenis-insurans-perubatan\/#faq-question-1601433345623","position":8,"url":"https:\/\/www.redcover.com.my\/ms\/kad-perubatan-malaysia-dan-jenis-insurans-perubatan\/#faq-question-1601433345623","name":"Are family members covered by a family medical insurance?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"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 <a href=\"tel:+60126840948\">+6012-684 0948<\/a> to check with our insurance agents on this.","inLanguage":"ms-MY"},"inLanguage":"ms-MY"},{"@type":"Question","@id":"https:\/\/www.redcover.com.my\/ms\/kad-perubatan-malaysia-dan-jenis-insurans-perubatan\/#faq-question-1606108546580","position":9,"url":"https:\/\/www.redcover.com.my\/ms\/kad-perubatan-malaysia-dan-jenis-insurans-perubatan\/#faq-question-1606108546580","name":"Does the medical insurance card cover when travelling internationally?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Yes.  A <a href=\"https:\/\/www.redcover.com.my\/product\/aia-medical-insurance-card-malaysia\/\">good medical insurance card<\/a>  should work as a travel medical insurance.  There are usually time limits overseas (usually 90 days coverage outside of Malaysia, Singapore and Brunei for <a href=\"https:\/\/www.redcover.com.my\/product\/aia-medical-insurance-card-malaysia\/\">AIA Malaysia medical insurance cards<\/a>).  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.","inLanguage":"ms-MY"},"inLanguage":"ms-MY"},{"@type":"Question","@id":"https:\/\/www.redcover.com.my\/ms\/kad-perubatan-malaysia-dan-jenis-insurans-perubatan\/#faq-question-1601433590319","position":10,"url":"https:\/\/www.redcover.com.my\/ms\/kad-perubatan-malaysia-dan-jenis-insurans-perubatan\/#faq-question-1601433590319","name":"When will the medical insurance start or can be used?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"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 <a href=\"https:\/\/www.redcover.com.my\/aia-maternity-pregnancy-insurance-coverage-plans-malaysia\/\">maternity complications<\/a>, 1 year from issue date.  These insurance plan start time from issue date, are called waiting periods.","inLanguage":"ms-MY"},"inLanguage":"ms-MY"},{"@type":"Question","@id":"https:\/\/www.redcover.com.my\/ms\/kad-perubatan-malaysia-dan-jenis-insurans-perubatan\/#faq-question-1606096123470","position":11,"url":"https:\/\/www.redcover.com.my\/ms\/kad-perubatan-malaysia-dan-jenis-insurans-perubatan\/#faq-question-1606096123470","name":"What is the difference between a cheap medical insurance plan and a premium medical insurance plan?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"The difference lies in the <a href=\"https:\/\/www.redcover.com.my\/claims-processing-guidance\/\">claims process<\/a> 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. ","inLanguage":"ms-MY"},"inLanguage":"ms-MY"},{"@type":"Question","@id":"https:\/\/www.redcover.com.my\/ms\/kad-perubatan-malaysia-dan-jenis-insurans-perubatan\/#faq-question-1606096274665","position":12,"url":"https:\/\/www.redcover.com.my\/ms\/kad-perubatan-malaysia-dan-jenis-insurans-perubatan\/#faq-question-1606096274665","name":"What is the difference in the claims processes between insurers?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"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 <a href=\"tel:+60126840948\">insurance agent Levine Lee<\/a> on her experiences of such situations.","inLanguage":"ms-MY"},"inLanguage":"ms-MY"},{"@type":"Question","@id":"https:\/\/www.redcover.com.my\/ms\/kad-perubatan-malaysia-dan-jenis-insurans-perubatan\/#faq-question-1606096587325","position":13,"url":"https:\/\/www.redcover.com.my\/ms\/kad-perubatan-malaysia-dan-jenis-insurans-perubatan\/#faq-question-1606096587325","name":"Will the medical insurance plan be renewed if frequent medical claims are made?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"<a href=\"https:\/\/www.redcover.com.my\/aia-insurance-malaysia\/\">Life insurance companies like AIA<\/a>, 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.","inLanguage":"ms-MY"},"inLanguage":"ms-MY"},{"@type":"Question","@id":"https:\/\/www.redcover.com.my\/ms\/kad-perubatan-malaysia-dan-jenis-insurans-perubatan\/#faq-question-1606096929473","position":14,"url":"https:\/\/www.redcover.com.my\/ms\/kad-perubatan-malaysia-dan-jenis-insurans-perubatan\/#faq-question-1606096929473","name":"How do I know if I am qualified for medical insurance?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"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 <a href=\"https:\/\/www.redcover.com.my\/a-life-medical-card-insurance\/\">medical insurance card entry requirements and coverage<\/a>.","inLanguage":"ms-MY"},"inLanguage":"ms-MY"},{"@type":"Question","@id":"https:\/\/www.redcover.com.my\/ms\/kad-perubatan-malaysia-dan-jenis-insurans-perubatan\/#faq-question-1606097174984","position":15,"url":"https:\/\/www.redcover.com.my\/ms\/kad-perubatan-malaysia-dan-jenis-insurans-perubatan\/#faq-question-1606097174984","name":"Why would my medical insurance plan not be renewed?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"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.  <a href=\"https:\/\/www.redcover.com.my\/product\/aia-medical-insurance-card-malaysia\/\">AIA A-Life Medical Insurance<\/a> however, is a lifetime contract, which means it is in force for the life of the contract, as long as you pay the premiums.","inLanguage":"ms-MY"},"inLanguage":"ms-MY"},{"@type":"Question","@id":"https:\/\/www.redcover.com.my\/ms\/kad-perubatan-malaysia-dan-jenis-insurans-perubatan\/#faq-question-1606097538080","position":16,"url":"https:\/\/www.redcover.com.my\/ms\/kad-perubatan-malaysia-dan-jenis-insurans-perubatan\/#faq-question-1606097538080","name":"How would I know if my medical insurance card is a lifetime contract?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Check what type of insurance company issued the medical insurance card policy.  Read the policy on termination and renewal clauses.  Ask your <a href=\"https:\/\/www.redcover.com.my\/aia-insurance-agent-kl-levine-lee\/\">insurance agent<\/a> on termination or renewal issues.  Ask your family and friends or healthcare professionals on their experiences with medical insurance renewals.","inLanguage":"ms-MY"},"inLanguage":"ms-MY"},{"@type":"Question","@id":"https:\/\/www.redcover.com.my\/ms\/kad-perubatan-malaysia-dan-jenis-insurans-perubatan\/#faq-question-1606098654338","position":17,"url":"https:\/\/www.redcover.com.my\/ms\/kad-perubatan-malaysia-dan-jenis-insurans-perubatan\/#faq-question-1606098654338","name":"When should I buy a Medical Insurance Plan?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"As early as possible.  In today's world, <a href=\"https:\/\/www.redcover.com.my\/39-critical-illness-insurance-cover-and-protection\/\">critical illnesses<\/a>, 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.","inLanguage":"ms-MY"},"inLanguage":"ms-MY"},{"@type":"Question","@id":"https:\/\/www.redcover.com.my\/ms\/kad-perubatan-malaysia-dan-jenis-insurans-perubatan\/#faq-question-1606098920266","position":18,"url":"https:\/\/www.redcover.com.my\/ms\/kad-perubatan-malaysia-dan-jenis-insurans-perubatan\/#faq-question-1606098920266","name":"If I have a company medical insurance, why should I buy my own medical insurance?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"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, <a href=\"https:\/\/ourworldindata.org\/life-expectancy\" target=\"_blank\" rel=\"noreferrer noopener\">average life expectancy<\/a> (2019 data) has increased to 76.2 (Malaysia) and 83.6 (Singapore) years old.  You need a <a href=\"https:\/\/www.redcover.com.my\/product\/aia-medical-insurance-card-malaysia\/\">lifetime medical insurance contract<\/a>, to cover broken bones, replacements, diseases and other health complications that happens in life and in old age.   And most <a href=\"https:\/\/www.redcover.com.my\/employee-benefits-insurance-plans-adjul19\/\">company medical insurance<\/a> 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.","inLanguage":"ms-MY"},"inLanguage":"ms-MY"},{"@type":"Question","@id":"https:\/\/www.redcover.com.my\/ms\/kad-perubatan-malaysia-dan-jenis-insurans-perubatan\/#faq-question-1606099848568","position":19,"url":"https:\/\/www.redcover.com.my\/ms\/kad-perubatan-malaysia-dan-jenis-insurans-perubatan\/#faq-question-1606099848568","name":"How much would it cost to get a medical insurance card?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"It depends on age, gender and your desired coverage.  Calculate and see if what you can afford for a lifetime contract at the <a href=\"https:\/\/www.redcover.com.my\/product\/aia-medical-insurance-card-malaysia\/\">AIA A-Life Medical Insurance Plan<\/a> page.  Go to this <a href=\"https:\/\/www.redcover.com.my\/product\/rhb-medisure-supreme-medical-insurance\/\">RHB medical insurance<\/a> page for one of the <a href=\"https:\/\/www.redcover.com.my\/product\/rhb-medisure-supreme-medical-insurance\/\">cheapest medical card in Malaysia<\/a>. ","inLanguage":"ms-MY"},"inLanguage":"ms-MY"},{"@type":"Question","@id":"https:\/\/www.redcover.com.my\/ms\/kad-perubatan-malaysia-dan-jenis-insurans-perubatan\/#faq-question-1607485074196","position":20,"url":"https:\/\/www.redcover.com.my\/ms\/kad-perubatan-malaysia-dan-jenis-insurans-perubatan\/#faq-question-1607485074196","name":"Indisputability Clause in the Insurance Policy","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"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 <a href=\"tel:+60126840948\">Insurance Agent Levine Lee<\/a> for clarification in doubt.","inLanguage":"ms-MY"},"inLanguage":"ms-MY"}]}},"featured_image_src":"https:\/\/www.redcover.com.my\/wp-content\/uploads\/AIA-Medical-Card-Insurance-Malaysia.jpg","featured_image_src_square":"https:\/\/www.redcover.com.my\/wp-content\/uploads\/AIA-Medical-Card-Insurance-Malaysia.jpg","author_info":{"display_name":"Levine Lee","author_link":"https:\/\/www.redcover.com.my\/ms\/author\/levine\/"},"jetpack_featured_media_url":"https:\/\/www.redcover.com.my\/wp-content\/uploads\/AIA-Medical-Card-Insurance-Malaysia.jpg","jetpack_sharing_enabled":true,"amp_enabled":true,"_links":{"self":[{"href":"https:\/\/www.redcover.com.my\/ms\/wp-json\/wp\/v2\/posts\/24646","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.redcover.com.my\/ms\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.redcover.com.my\/ms\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.redcover.com.my\/ms\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.redcover.com.my\/ms\/wp-json\/wp\/v2\/comments?post=24646"}],"version-history":[{"count":5,"href":"https:\/\/www.redcover.com.my\/ms\/wp-json\/wp\/v2\/posts\/24646\/revisions"}],"predecessor-version":[{"id":27875,"href":"https:\/\/www.redcover.com.my\/ms\/wp-json\/wp\/v2\/posts\/24646\/revisions\/27875"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.redcover.com.my\/ms\/wp-json\/wp\/v2\/media\/24649"}],"wp:attachment":[{"href":"https:\/\/www.redcover.com.my\/ms\/wp-json\/wp\/v2\/media?parent=24646"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.redcover.com.my\/ms\/wp-json\/wp\/v2\/categories?post=24646"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.redcover.com.my\/ms\/wp-json\/wp\/v2\/tags?post=24646"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}