{"id":24669,"date":"2021-09-12T16:59:56","date_gmt":"2021-09-12T08:59:56","guid":{"rendered":"https:\/\/www.redcover.com.my\/perlindungan-insurans-perubatan-di-malaysia\/"},"modified":"2023-05-25T10:32:56","modified_gmt":"2023-05-25T02:32:56","slug":"perlindungan-insurans-perubatan-di-malaysia","status":"publish","type":"post","link":"https:\/\/www.redcover.com.my\/ms\/perlindungan-insurans-perubatan-di-malaysia\/","title":{"rendered":"Perlindungan Insurans Perubatan di Malaysia"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\" id=\"h-medical-insurance-coverage\">Perlindungan Insurans Perubatan<\/h2>\n\n<p class=\"wp-block-paragraph\">Perlindungan insurans perubatan adalah luas dan meliputi kebanyakan keadaan kesihatan, perubatan dan penyakit.  <\/p>\n\n<p class=\"wp-block-paragraph\">Walau bagaimanapun, terdapat terma dan syarat untuk perlindungan insurans ini, bahawa semua pelan insurans perubatan mempunyai, yang melindungi syarikat insurans daripada penipuan, penyalahgunaan dan kerugian kewangan.  <\/p>\n\n<p class=\"wp-block-paragraph\">Terma-terma ini biasanya terdapat dalam senarai pengecualian perlindungan di dalam polisi insurans perubatan.<\/p>\n\n<h2 class=\"wp-block-heading\" id=\"h-what-the-medical-insurance-benefits-or-does-for-the-insured-person\">Apa faedah atau Adakah Untuk Orang Yang Diinsuranskan<\/h2>\n\n<p class=\"wp-block-paragraph\">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> dengan kos rawatan yang sangat rendah, terdapat masa menunggu yang lama untuk perundingan, rawatan dan pembedahan.<\/p>\n\n<h3 class=\"wp-block-heading\" id=\"h-access-into-private-hospitals\">Akses ke Hospital Swasta<\/h3>\n\n<p class=\"wp-block-paragraph\">Melainkan jika anda sanggup menunggu kesakitan, untuk masa untuk slot katil dan masa untuk pembedahan atau intervensi tersedia untuk anda, di hospital kerajaan, anda lebih baik untuk rawatan cepat dan pilihan pemulihan dari hospital swasta di Malaysia.<\/p>\n\n<p class=\"wp-block-paragraph\">Dengan kos rawatan dan perundingan perubatan yang tinggi di hospital swasta, insurans perubatan adalah dana perubatan kecemasan yang digunakan semua orang. Dan mereka memerlukannya dari saat mereka dilahirkan.<\/p>\n\n<h3 class=\"wp-block-heading\" id=\"h-fast-hospital-admissions\">Kemasukan Ke Hospital Pantas<\/h3>\n\n<p class=\"wp-block-paragraph\">Anda hanya berjalan kaki ke hospital, pergi ke kaunter pendaftaran pesakit, dan berikan nombor kad pengenalan (IC) malaysia anda dan beritahu mereka <a href=\"https:\/\/www.redcover.com.my\/ms\/aia-insurance-malaysia\/\">AIA<\/a> insurans perubatan. Kakitangan kaunter akan menyemak dengan sistem AIA berteknologi tinggi dan mengesahkan kelayakan perlindungan anda.<\/p>\n\n<h3 class=\"wp-block-heading\" id=\"h-deposit-free-platinum-hospital-admissions\">Deposit Percuma Kemasukan Hospital Platinum<\/h3>\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.redcover.com.my\/ms\/aia-panel-hospitals-dan-bagaimana-untuk-dimasukkan-ke-hospital\/\">Hospital AIA Platinum<\/a> (Hubungi mana-mana hospital panel dan tanya sama ada mereka adalah hospital AIA platinum.) akan mengetepikan sebarang deposit untuk kemasukan. Anda dimasukkan hanya atas kekuatan <a href=\"https:\/\/www.redcover.com.my\/ms\/surat-jaminan-insurans\/\">surat jaminan AIA (LOG)<\/a> yang dikeluarkan oleh sistem berteknologi tinggi AIA kepada kakitangan kaunter kemasukan hospital.<\/p>\n\n<h3 class=\"wp-block-heading\" id=\"h-minimum-deposit-hospital-admissions\">Kemasukan Hospital Deposit Minimum<\/h3>\n\n<p class=\"wp-block-paragraph\">Untuk hospital bukan AIA Platinum, mereka mungkin meminta jumlah deposit yang minimum. Ia berbeza dari hospital ke hospital, tetapi sebaik-baiknya anda merancang dengan memanggil dan bertanya terlebih dahulu. Hospital-hospital ini akan mengakui anda berdasarkan AIA LOG daripada sistem AIA, tetapi mereka masih mempunyai proses mereka sendiri untuk diikuti.<\/p>\n\n<h3 class=\"wp-block-heading\" id=\"h-cashless-hospital-treatment\">Rawatan Hospital Tanpa Tunai<\/h3>\n\n<p class=\"wp-block-paragraph\">Sesiapa yang menggunakan wang tunai mereka sendiri, memerlukan bantuan dalam perancangan kewangan yang lebih baik. Pelan insurans perubatan AIA disenaraikan di bawah dan memberikan anda wang kecemasan untuk digunakan bagi tujuan perubatan.<\/p>\n\n<ul class=\"wp-block-list\">\n<li>Corporate medical plans<\/li>\n\n\n\n<li>Stand alone medical plans<\/li>\n\n\n\n<li>Investment linked medical plans<\/li>\n\n\n\n<li>Takaful medical plans<\/li>\n<\/ul>\n\n<p class=\"wp-block-paragraph\">Pelan ini mewujudkan dana perubatan kecemasan untuk anda menarik diri. Dan jumlah yang tersedia untuk anda, bergantung kepada berapa banyak yang anda rancangkan. Semak pelan perlindungan dana perubatan dan premium (Harga pelan insurans) yang perlu dibayar di halaman masing-masing.<\/p>\n\n<p class=\"wp-block-paragraph\">Sila ambil perhatian bahawa anda tidak lagi dilindungi, sebaik sahaja anda meninggalkan syarikat atau telah bersara. Oleh itu, sebaik mungkin mempunyai pelan insurans perubatan anda sendiri sebagai sandaran untuk tahun keemasan anda.<\/p>\n\n<h3 class=\"wp-block-heading\" id=\"h-your-workplace-s-free-group-medical-insurance-plan\">Pelan Insurans Perubatan Kumpulan Percuma Tempat Kerja Anda<\/h3>\n\n<p class=\"wp-block-paragraph\">Manfaat korporat atau pekerja atau pelan perubatan kumpulan adalah berdasarkan apa yang disediakan oleh syarikat atau tempat kerja anda kepada anda. Biasanya, semakin tinggi dalam syarikat anda, semakin tinggi perlindungan dan manfaat untuk anda. Minta bantuan daripada HR anda untuk manfaat perubatan anda.<\/p>\n\n<p class=\"wp-block-paragraph\">Bagi insurans perubatan berkumpulan, terdapat juga pilihan untuk perlindungan pesakit luar klinik panel.<\/p>\n\n<h2 class=\"wp-block-heading\" id=\"h-medical-insurance-coverage-exclusions\">Pengecualian Perlindungan Insurans Perubatan<\/h2>\n\n<p class=\"wp-block-paragraph\">Seperti yang dinyatakan sebelum ini, terdapat terma dan syarat untuk perlindungan insurans perubatan ini, yang kebanyakan pelan insurans perubatan mempunyai, yang melindungi syarikat insurans daripada penipuan, penyalahgunaan dan kerugian kewangan.  <\/p>\n\n<p class=\"wp-block-paragraph\">Terma-terma ini biasanya terdapat dalam senarai pengecualian perlindungan di dalam polisi insurans perubatan. Berikut adalah koleksi pengecualian perlindungan insurans perubatan. Baca ini dahulu sebelum membeli pelan insurans perubatan.  <\/p>\n\n<p class=\"wp-block-paragraph\">Mana-mana pelan insurans yang mengetepikannya, iaitu, berkata mereka akan membayar untuk ini, dengan baik anda perlu benar-benar yakin bahawa syarikat insurans akan membayar bil perubatan anda apabila tiba masanya untuk menuntut bil tersebut.  <\/p>\n\n<p class=\"wp-block-paragraph\">Sentiasa baca cetakan halus polisi insurans anda, tidak kira betapa bereputasi syarikat insurans nampaknya. Banyak dokumen tambahan dan pengesahan dan terma ditambah, terutamanya untuk pelan perubatan premium yang lebih rendah.<\/p>\n\n<h3 class=\"wp-block-heading\" id=\"h-list-of-usual-medical-insurance-exclusions\">Senarai pengecualian 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 atau keadaan kesihatan yang sedia ada atau tertentu<\/strong> <p class=\"schema-faq-answer\">Jika anda sudah sakit, atau mempunyai keadaan penyakit yang sedia ada, tiada pelan insurans yang akan membawa anda. Dan bagi AIA, ini termasuk juga, jika anda didiagnosis dengan keadaan kesihatan sedemikian, dalam masa 30 hingga 120 hari (tempoh menunggu) mendaftar untuk pelan insurans. Tempoh menunggu ini bergantung kepada pelan 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 bahagian tubuh.<br>c. Batu-batu sistem kencing dan sistem biliary.<br>d. Penyakit telinga, hidung 9including 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.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1601081600949\"><strong class=\"schema-faq-question\">Adakah kelahiran kanak-kanak, buruh 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 kelahiran kanak-kanak 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.<\/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 pelan insurans kehamilan. Jenis komplikasi yang dilindungi adalah mengikut pelan insurans masing-masing. Anda perlu membaca pelan insurans khusus untuk maklumat lanjut.<br><\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1601433345623\"><strong class=\"schema-faq-question\">Adakah ahli keluarga dilindungi insurans perubatan?<\/strong> <p class=\"schema-faq-answer\">Ia bergantung kepada pelan insurans yang ditawarkan. Ahli keluarga dilindungi hanya jika pelan insurans perubatan anda termasuk pilihan pelan perubatan keluarga. Dan hanya jika pelan insurans menentukan julat umur dan jenis ahli 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-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 komplikasi bersalin tertentu, 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-1601434003526\"><strong class=\"schema-faq-question\"><\/strong> <p class=\"schema-faq-answer\"><\/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\">Keselamatan kewangan &#8211; Insurans Perubatan Ada Apabila Diperlukan<\/h2>\n\n\n<div class=\"wp-block-image\">\n<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-788\" 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 class=\"wp-element-caption\">Ejen Insurans Levine Lee AIA.<\/figcaption><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.redcover.com.my\/ms\/ejen-insurans-aia-kl-levine-lee\/\">EJEN INSURANS AIA LEVINE LEE<\/a> boleh membantu anda melindungi diri anda dan masa depan orang yang anda sayangi. Dapatkan keselamatan kewangan segera. Jangan sentuh simpanan anda. Biarkan insurans menyediakannya.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">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 class=\"wp-block-paragraph\">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. 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 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-fe48e5de wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" 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-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-background wp-element-button\" href=\"tel:+60126840948\" style=\"background-color:#ff0000\">Hubungi Ejen Insurans AIA Levine Lee untuk Maklumat Lanjut<\/a><\/div>\n\n\n\n<div class=\"wp-block-button is-style-fill\"><a class=\"wp-block-button__link has-background wp-element-button\" href=\"https:\/\/wa.me\/60126840948?text=I'm%20interested%20in%20your%20medical%20card.%20Please%20call%20me.%20My%20name%20is%20\" style=\"background-color:#2fb028\" target=\"_blank\" rel=\"noreferrer noopener\">Klik untuk Hantar Whatsapp kepada Levine Lee<\/a><\/div>\n\n\n\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-background wp-element-button\" href=\"http:\/\/m.me\/LevineLeeAIA\" style=\"background-color:#0b99f4\" target=\"_blank\" rel=\"noopener noreferrer\">Klik untuk Hantar Mesej Facebook kepada Levine Lee<\/a><\/div>\n<\/div>\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\" \/>\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"256\" src=\"https:\/\/www.redcover.com.my\/wp-content\/uploads\/\/Red-Cover-Be-Part-Of-Our-Team-1024x256.jpg\" alt=\"Red Cover Jadi Sebahagian Daripada Pasukan Kami\" class=\"wp-image-31619\" srcset=\"https:\/\/www.redcover.com.my\/wp-content\/uploads\/Red-Cover-Be-Part-Of-Our-Team-1024x256.jpg 1024w, https:\/\/www.redcover.com.my\/wp-content\/uploads\/Red-Cover-Be-Part-Of-Our-Team-300x75.jpg 300w, https:\/\/www.redcover.com.my\/wp-content\/uploads\/Red-Cover-Be-Part-Of-Our-Team-768x192.jpg 768w, https:\/\/www.redcover.com.my\/wp-content\/uploads\/Red-Cover-Be-Part-Of-Our-Team-690x173.jpg 690w, https:\/\/www.redcover.com.my\/wp-content\/uploads\/Red-Cover-Be-Part-Of-Our-Team.jpg 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n<p class=\"wp-block-paragraph\">Di Red Cover Life Planning, kami memberi penekanan kepada kakitangan kami &#8211; membantu mereka berkembang, mengembangkan kebolehan mereka, dan menemui peluang baru. Sertai kami sekarang untuk menjadi sebahagian daripada pasukan dan cerita kami.<\/p>\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-fe48e5de wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button has-custom-font-size has-small-font-size\"><a class=\"wp-block-button__link has-custom-background-color has-background wp-element-button\" href=\"https:\/\/www.redcover.com.my\/ms\/peluang-kerjaya-perniagaan-dan-insurans-hayat-di-malaysia\/\">Sertai kami di red Cover<\/a><\/div>\n<\/div>\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\" \/>\n","protected":false},"excerpt":{"rendered":"<p>Perlindungan Insurans Perubatan Perlindungan insurans perubatan adalah luas dan meliputi kebanyakan keadaan kesihatan, perubatan dan penyakit. Walau bagaimanapun, terdapat terma dan syarat untuk perlindungan insurans ini, bahawa semua pelan insurans perubatan mempunyai, yang melindungi syarikat insurans daripada penipuan, penyalahgunaan dan kerugian kewangan. Terma-terma ini biasanya terdapat dalam senarai pengecualian perlindungan di dalam polisi insurans perubatan. [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":24649,"comment_status":"closed","ping_status":"closed","sticky":false,"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":[],"class_list":["post-24669","post","type-post","status-publish","format-standard","has-post-thumbnail","category-insurans-perubatan-malaysia","entry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.7 (Yoast SEO v27.7) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Perlindungan Insurans Perubatan di Malaysia - Red Cover<\/title>\n<meta name=\"description\" content=\"Insurans Perubatan Malaysia untuk Pelan Perlindungan Terbaik dan Kad Perubatan untuk Individu, Perniagaan dan Keluarga. 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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\/perlindungan-insurans-perubatan-di-malaysia\/#faq-question-1601080174216","position":1,"url":"https:\/\/www.redcover.com.my\/ms\/perlindungan-insurans-perubatan-di-malaysia\/#faq-question-1601080174216","name":"Pre-existing or specified illness or health conditions","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"If you are already sick, or have a pre-existing disease condition, no insurance plan will  take you.  And for AIA, this includes too, if you are diagnosed with such a health condition, within 30 to  120 days (the waiting period) of signing up for an insurance plan.   This waiting period depends on the insurance plan you sign up for.","inLanguage":"ms-MY"},"inLanguage":"ms-MY"},{"@type":"Question","@id":"https:\/\/www.redcover.com.my\/ms\/perlindungan-insurans-perubatan-di-malaysia\/#faq-question-1601080457970","position":2,"url":"https:\/\/www.redcover.com.my\/ms\/perlindungan-insurans-perubatan-di-malaysia\/#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 ay part of the body.<br \/>c.  Stones of the urinary system and biliary system.<br \/>d.  Diseases of the ear, nose 9including 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.","inLanguage":"ms-MY"},"inLanguage":"ms-MY"},{"@type":"Question","@id":"https:\/\/www.redcover.com.my\/ms\/perlindungan-insurans-perubatan-di-malaysia\/#faq-question-1601081600949","position":3,"url":"https:\/\/www.redcover.com.my\/ms\/perlindungan-insurans-perubatan-di-malaysia\/#faq-question-1601081600949","name":"Is child birth, labor or baby delivery covered by medical insurance in Malaysia?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"No.  This is a choice made by you.  And child birth 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.","inLanguage":"ms-MY"},"inLanguage":"ms-MY"},{"@type":"Question","@id":"https:\/\/www.redcover.com.my\/ms\/perlindungan-insurans-perubatan-di-malaysia\/#faq-question-1601081744238","position":4,"url":"https:\/\/www.redcover.com.my\/ms\/perlindungan-insurans-perubatan-di-malaysia\/#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 pregnancy maternity insurance plans.  The type of complications covered are per the respective insurance plans.  You will need to read the specific insurance plan for details.<br \/>","inLanguage":"ms-MY"},"inLanguage":"ms-MY"},{"@type":"Question","@id":"https:\/\/www.redcover.com.my\/ms\/perlindungan-insurans-perubatan-di-malaysia\/#faq-question-1601433345623","position":5,"url":"https:\/\/www.redcover.com.my\/ms\/perlindungan-insurans-perubatan-di-malaysia\/#faq-question-1601433345623","name":"Are family members covered by medical insurance?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"It depends on the insurance plan offered.  Family members are covered only if your medical insurance plan includes the family medical plan option.  And only if the insurance plan specifies the age ranges and  family member type.  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\/perlindungan-insurans-perubatan-di-malaysia\/#faq-question-1601433590319","position":6,"url":"https:\/\/www.redcover.com.my\/ms\/perlindungan-insurans-perubatan-di-malaysia\/#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 maternity complications, 1 year from issue date.  These insurance plan start time from issue date, are called waiting periods.","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\/24669","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=24669"}],"version-history":[{"count":5,"href":"https:\/\/www.redcover.com.my\/ms\/wp-json\/wp\/v2\/posts\/24669\/revisions"}],"predecessor-version":[{"id":31883,"href":"https:\/\/www.redcover.com.my\/ms\/wp-json\/wp\/v2\/posts\/24669\/revisions\/31883"}],"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=24669"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.redcover.com.my\/ms\/wp-json\/wp\/v2\/categories?post=24669"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.redcover.com.my\/ms\/wp-json\/wp\/v2\/tags?post=24669"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}