Instead, it replaces them with this – Med Value Point. So by the time you realize this (the insufficiency of local healthcare services for your medical condition), you won’t be able to get yourself insured already for overseas medical coverage. Hi Donald Williams, if I were in your position, I will make a decision based on the comprehensive info in this guide – however if I am still confused, then I will consider what this gentleman has done – here: https://howtofinancemoney.com/case-study-pierrep. -Intracranial and specific spinal cord surgery, -Pre & post hospitalization coverage days too low (60/60), -Lifetime limit is capped at RM 1 million (not future-proof). Your personal data will be used to support your experience throughout this website, to manage access to your account, and for other purposes described in our privacy policy, Shot system development Don’t be fooled with just one product by Hong Leong Assurance because it is highly configurable, only matched by Allianz. I really want to subscribe your montly plan if your team able to give advise on takaful medical card. Great Eastern shares were trading up seven Singapore cents at S$25.92 as at 4.25pm on Thursday. It also has the highest combination of pre & post hospitalization coverage, and matches the room & board + ICU coverage of 150 days for each, second best compared to Manulife’s unlimited room & board/ICU. Just want to know in case I am missing out! Required fields are marked *, HowToFinanceMoney © 2011-Present. Seek advice from PIAM Information Centre and Ombudsman for Financial Services (OFS) if you opined that your claim has been unfairly rejected. We opined that AXA eMedic should not be compared to medical riders available out there because medical riders do provide more comprehensive and long term medical coverage. In other words, underweight or overweight individual can apply without loading. I’m 72, she is 58, we are both in good health, I’m confused with which insurance to chose. (by the way, the deductible amount is configurable from RM 2k up to RM 30k). How much do you think your Malaysian insurer is going to reimburse you? What About Allianz Booster Care Medical Card? Furthermore, you can further add on to the medical coverage by extending your medical treatment to pre-authorised hospitals in Singapore, Hong Kong, and China with Overseas Treatment for Selected Surgeries III for surgeries related to Cancer, Neuro, Coronary Artery Bypass, Heart Valve, Organ Transplant (kidney, lung, liver, heart, pancreas and bone marrow), Organ transplant coverage per Annual & lifetime limit is included. Other medical riders including Manulife ManuHealth Elite has ‘As Charged’ room & board rate and unlimited lifetime limit, with annual limit up to RM 2.2 million. Only covers for once a lifetime organ transplant event (as an organ recipient), The base medical insurance plan SmartMedic Xtra has been enhanced with SmartMedic Xtra 99 and Smart Extender 99. The question you need to ask yourself is this: Am I getting this medical card today for short-mid term or for long term? You don’t, agree? Great Eastern medical card is the Best medical insurance in Malaysia? Good job. Great Eastern Life began its operations in 1908 as a branch office of The Great Eastern Life Assurance Company Limited. This guide has existed since 2015, 2016, 2017,2018, 2019 with 250+ comments below. …you’ll love this guide and the approach we use. She’s a home maker and she’s from Indonesia. With the addition of the Million Extra III rider, its annual limit becomes increases to an additional 1.5 million, adding to the already high 1 mil/1.5 mil/2.0 mil original annual limit for Medishield III rider. This scenario normally requires approval from central bank and it affects every policy holders having that medical card (does not discriminate or single anyone out), By the way, visitors to this page also frequently ask – “Can I buy a medical card which covers me in foreign countries?” or “Can foreigner buy medical insurance in Malaysia?”. AXA eMedic 5 minutes, fast & easy purchase process: After successful payment, policy holder will receive a Welcome Message and eMedic Digital Medical Card in your email. Ia memang sendirinya hanya Medical Card yang melindungi manfaat perubatan di hospital. All product benefits listed in this page are subject to terms and conditions. A Plus Health medical insurance replaced A Plus Med as its flagship medical card in Q4 ’18. It is Annual Limit or Hospitals Room and Board rate? My combined sum assured for accidental death from Great Eastern's personal accident policies GREAT Protector, GREAT Personal Protector and/or GREAT Protector Active exceeds S$1million. Coverage also expire at age 80. Anyway, GE provide 5% discount when there are more than 2 policies in a family. Once you have decided on the best medical card option that fits your budget, the authorized intermediary will need you to fill in questionnaire declaring your lifestyle and health condition / history. This happens without needing you to prove your health condition at age 60. But then again, you could have probably gotten yourself a pure international medical coverage instead of a quasi-international medical card from any Malaysian insurer because some of them only offers coverage a pre-defined set of critical medical conditions. Not having a full medical card after retirement could potentially be deadlier than the silent killer – inflation, when it actually hits. Days of hospitalization in a year – surprisingly. Also check out, the best medical insurance for senior citizens in Malaysia, Plan Medical Card Terbaik – Loanstreet.my, Get exact medical card price Malaysia HERE, Which medical card is the best in Malaysia? Bear in mind hospital may still need to charge you some deposits upfront to cover for items not covered by your medical card. Technically, Manulife Room & Board rate is in a class of its own because after R&B 250, the next Room & Board rate is titled “As Charged”. Can I use my Malaysian medical insurance overseas? Apply for the card. Features which we feel could make AXA eMedic even better: • More options for Room & Board daily rate, other than the one and only RM 250.• Lowest annual limit is RM 20,000 which is way below what we consider the bare minimum today. So we hope you enjoyed it. You only bear the difference in the upgraded room & board charges. Hospitals that are covered by the medical card are also called Panel Hospital. Click one of our member below to chat on. Of course, you still can get admitted to other hospitals, but you will then need to settle in full your medical bill upon discharge and then later file claim to reimburse the medical expenses from the insurance company, usually within 30 days. Medical Card Great Eastern– Sehingga kini khusus di Malaysia, ramai orang telah bertanya soalan yang berkaitan dengan kad perubatan.Soalan ini sebenarnya sangat baik. https://howtofinancemoney.com/case-study-pierrep. Zurich is at the far right. Its outpatient kidney dialysis and cancer does not have separate limit; it follows the overall annual limit and lifetime limit of the R&B rate chosen so this is good. SM100. No mention of organ transplant coverage though. For hospital admission, no medical card is required, just present your identity card and inform the hospital you are covered with Etiqa. This card will enable you to receive medical treatment at specified list of panel hospitals. Great Eastern Takaful menawarkan 5 pakej Medical Card berdasarkan nilai bilik iaitu i-M100, i-M150, i-M200, i-M300 dan i-M400. But what if major conditions like below hit you? Absolutely. Cons: Evidently, the medical card price, especially with Med Saver feature removed. Besides, it also has: Cheaper? For both types of medical cards, cost of insurance or insurance charges, however, is not guaranteed. What About Allianz Diabetic Essential Medical Card? At Great Eastern, we have designed insurance solutions that suit your age group, health needs – and budget. Besides protecting you during the tough times, it also gives you benefits when you are healthy such as giving you an annual limit increment for every 3 … Compare the premium pricing among insurers’ quotations based on the coverage features you need while weighing the pros and cons of each options. It does not represent absolutely the expensiveness or cheap-ness of a medical card from an insurer across all age ranges. -Customize your own product There are no reviews yet. Subsequently, by submitting your annual medical reports, you stand to receive 10% discount even if your medical report results aren’t perfect. Tq so much Mr.lieu for the wonderful explanation. However, if you really have deep pockets and are concerned about the inadequacy of Malaysian medical expertise or want to have that options to be treated overseas, then this is for you. Hong Leong Assurance has a separate number of days for ICU coverage (75 vs 150 days), the lowest among those compared. Note: Retain all original receipts and documents for the next 6 months in case they are required for further investigation. Only advisers with the highest calibre and credibility are displayed under this list. Then, just before the mandatory retirement, it struck them – nobody is going to cover his post retirement medical bills. This mean it is inflation-proof to a certain extent because you are. Comparing Med Value point with annual limit, it is on par depending on your choice. Fact is, medical card products from major insurance companies in Malaysia are always evolving rapidly, ever-trying to outdo each other to become the best medical insurance or the top medical card in Malaysia, at least in the eyes of consumers. Your email address will not be published. Great Medic Xtra offers a high Overall Annual Limit and no Overall Lifetime Limit, giving you greater assurance when you require medical protection 1. Lifetime limit for outpatient kidney dialysis and cancer treatment has been upgraded to no lifetime limit. Medical Services. What About AIA A-Life Med Regular Medical Card? Attach all filled claims documents with the original bills and receipts, investigation or diagnostic reports if any, full doctor’s medical reports, physician’s cost summary of treatment and referral letter, if any. Alvin, need more personal info to really see if there’s anything still suitable for you. Or you can think of it as a Touch & Go card with a preloaded limit which refreshes every year, and only can be used at private hospitals, It gives you a peace of mind when you need to seek the best medical treatment fast at private hospitals, without needing to pay hefty medical bills out of your own pocket, and minus the long queue + waiting time at government hospitals, The best life insurance is the one in which you pay the lowest premium for the exact same coverage because the terms of coverage & payout are exactly the same among insurers (that is, death & total permanent disability cover). Technical consultancy gives access to experienced engineers with the expertise to understand difficult and complex issues, and advise on the best path to success. Soalan ini sebenarnya sangat baik. Organ transplant coverage – Reasonable & customary charges. AXA eMedic is probably the cheapest and most convenient-to-apply-for term medical insurance that you can buy in Malaysia today. There’s no such thing, here’s why, Best medical card plan for family in Malaysia? During hospital admission, policy holder just need to show the medical card at the hospital admission counter. Both medical cards have a lifetime limit of RM1 million, with the difference of Medical Card A comes with an Annual Limit, whereas Medical Card B does not. Smart Medic is the comprehensive medical rider (aka medical card) for investment-linked insurance plans from Great Eastern which protects you medically until you are 80 years old next birthday. Understand the Common Reasons your Medical Claims can get Rejected, C) From ‘ease of application’ perspective, What You Should Know When Buying Standalone Medical Card Vs. a Rider and Make the Right Decision. The Malaysian operations was subsequently transferred to a locally incorporated public company, namely Great Eastern Life Assurance (Malaysia) Berhad (93745-A) (Great Eastern Life) under the Scheme of Transfer of Business. We Always Give The Best to Our Customers ( Family Medical Card, Medical Card with Saving, Investment Plan, Saving Plan ) You just need to read the fine prints. Finally, the no co-payment clause is always welcomed. Also, do you agree that medical costs will carry one or more of the characteristics below: For minor condition like cataract or appendicitis, the cost of such treatments may hardly dent your retirement nest egg. Medical Card jenis standalone ini bermaksud ia tidak disertakan kepada basic plan takaful induk. Only if you need to get the best overseas medical treatment for severe illnesses (refer to Overseas Medical Treatment section below). Great Eastern medical card commentary The base medical insurance plan SmartMedic Xtra has been enhanced with SmartMedic Xtra 99 and Smart Extender 99 Insurance company will use this information to determine the amount they are willing to pay for a particular service in a particular area. Get your advice here. Hospital can also process hospital admission without the eMedical card. If this is your concern, then Second Medical Card aka Deductible aka Top Up medical card is the best for you. Watch a series of lessons on buying the best medical cards for yourself. However, it now comes with a fixed RM 300 co-insurance per disability, and replaces no claim benefit of, ManuHealth Elite medical insurance replaced its predecessor, Manumedic medical card. Also, compared to its predecessor, Medisafe Infinite, there is no co-payment if you are hospitalised at a Room & Board which is higher than your eligible benefit. Credible: where this medical insurance guide has been featured, The published article can be downloaded HERE, The most commonly asked question are: “What is the best insurance for medical?” or “Which insurance is best in Malaysia?” or “Which medical card is the best in Malaysia” or “What medical insurance is the best?“, In no particular order, they are – A Plus Health by AIA, Smart Medic Xtra by Great Eastern Life, Medisafe Infinite+ by Allianz Life, Pru Million Med by Prudential & Medi Shield III by Hong Leong Assurance, The best medical card you can afford should come with a high annual limit, guaranteed renewable until age 100, no co-insurance or co payment due to room upgrade, will not limit your medical treatment within Malaysia only, will not always remove hospital from its panel list and most importantly, will not dispute your medical claims without a good reason, It is a unilateral contract with an insurance company which promises to pay for your inpatient hospital bill as long as you are paying the regular premiums. Allianz medical card is the Best medical insurance in Malaysia? Pros: Has the capability to customize the hospital room & board rate and Med Value Point (1, 1.5 or 2 million). How to Apply for the Best Medical Card for yourself & Family, Fast, Engage 3 to 5 insurance agents from top insurers to request for quotations, or alternatively, engage a single independent financial adviser to get the same quotations in one place. Last entry age at 60 but it can only be renewed up to age 70. it won’t be suitable one because firstly, it’s term standalone and secondly, all compared here are from life insurers, not from general insurers. For objective comparison, we remove this co-insurance feature. Prudential medical card is Best medical insurance in Malaysia? Clients literally adore us (see proof here) for being able to source & compare objectively – the best life and health insurance products which suit their needs without being pushy to fulfill sales quota like a tied agent. The best part of being an industry practitioner, as a licensed, independent financial adviser, is that we are NOT tied to any insurance company. It provides a comprehensive medical protection to ensure that you are not financially burdened from unexpected emergency medical-related expenses. Peace of mind when you retire? Which means, only RM 30k and above medical expenses will be covered by this second card. Insurers are not stupid; they will only reimburse you an amount that is up to what is defined in Malaysian Medical Association’s (MMA) Schedule of Fees when it comes to medical procedures, and what’s reasonable and customary for other medical expenses such as prescriptions and medical supplies. We opined that this standalone (term) medical card pales in comparison to its medical rider counterpart due to inferior annual limit (RM 90k to 160k only) for the basic version, and room & board rate (RM 300 is the top option available). It does not mean insurer allows for non-disclosure of your pre-existing medical condition – you still need to declare your health condition and medical history truthfully per what you knew or ought to know. Great Eastern Smart Medic Offered by one of the top insurance companies in Malaysia, the Great Eastern Smart Medic is your ideal choice which comes with investment-linked insurance plans as well. Furthermore, because it is an older product, annual limit is maxed out at RM 250k while lifetime limit is capped at RM 2.6 million although you can opt for room & board rate as high as RM 600. We must purchase insurance according to the MM2H Visa. Check it again? You need to be over 45 years old to buy this, nonetheless, avoid this standalone medical card unless you are really strapped for budget because lifetime limit is notoriously low at RM 225k. Another best thing about Allianz medical card is that it specifically states, in the quotation, to include. Licensed, independent financial adviser possess ‘super-license’ from Bank Negara Malaysia and hence is authorized to source the best medical insurance from major insurers on client’s behalf. Note: you should flip your device horizontally if you’re using a phone/tablet. Thank you. Singapore & Brunei are not considered as overseas medical insurance coverage (which is good! It has been succeeded by the newer PruMillion Med medical card (flagship product). Moreover, it comes with a high level of personal touch, unlike aggregator websites like R-Plus or i_MY. It also has has an optional co-insurance like feature, called Med Saver, which policyholder needs to pay RM 300 co-insurance for hospitalization, even though it is a cashless admission. The medical expenses will be paid by your insurance company as long as the type of treatment is covered in the policy. Great Eastern doesn’t provide family medical package. As an example, assume stroke treatment at a private hospital is around RM40,000, but when you were in United States, you had a stroke and it set you back for US$50,000 for an emergency medical procedure. CF Lieu is an independent financial adviser (IFA) with CFP qualification and licensed by the Securities Commission of Malaysia to conduct regulated financial planning activities and charge a professional fee for it.CF Lieu is also listed under Featured CFP Professionals in his professional association website – FPAM (Financial Planning Association of Malaysia). Great Eastern Takaful - Family Medical Card, Sungai Petani. But this is a public comment so I reckon you don’t want to continue the conversation here revealing more personal info. **The indicative annual premium, whenever available, was generated based on a 35 years old Male, non-smoker. (after all, aggregator sites like R-Plus & i_MY are just going to pass your contact details to random (sometimes incompetent) insurance agents who will call you day and night), In short, if you want just the right amount of information to maximize your coverage while minimizing the premium cost, without the spam calls from aggressively pushy & sales-sy insurance agents…. Ensuring you have access to adequate care is crucial. Guaranteed renewable at your option (which is desired), versus conditional renewal for similar medical card offered by most general insurers’ offerings, As low as RM37 per month for individual medical card, As low as RM150 per month for family of 4 with AXA eMedic Family Plan (annual limit for each family member is separate, not combined – which is good), Surprisingly affordable because the premium can get even below RM 1,000 a year even for the highest plan (Annual limit 100k) when deductible feature is chosen. thanks. As you notice, the Best Insurance Medical Cards in Malaysia come from major life insurance companies, brands which you already know. Allianz MediSafe Infinite + covers treatment in Singapore but following Reasonable & Customary Charges equivalent to local treatment in Malaysia. It has upgraded to 150 days of normal Room & Board (R&B) and Intensive Care unit (ICU), totaling 300 days/year. Gender agnostic: No difference in premiums for male & female, No body-mass-index (BMI) underwriting because you don’t need to fill in your height and weight. What About Prudential PruValueMed Medical Card? eMedic is available for purchase exclusively online at www.axaemedic.com – there’s zero need to go through any agents or intermediaries. Great Eastern e-Connect is a secured customer portal that allows easy access to your policy details and statements, update contact details and pay premium online. Be the first to review “GREAT EASTERN MEDICAL CARD” Cancel reply. You might want to … Bear in mind that this is a standalone, aka term medical card, whereby the annual premium is set to increase every 5 years age band. Please include it. -get your system in 10 days. What About AIA Public Takaful A-Life Medik Famili Medical Card? Medical Card yang patuh syariah seperti PruBSN Takaful, AIA Public Takaful, Great Eastern Takaful, AmmetLife Takaful, Zurich Takaful dan banyak lagi. When you want to seek medical treatment due to illness/accident at private hospitals, you should try to go to a hospital that is covered by the medical card. To prevent the hassle of dispute with the insurer on what it is not covered or reimbursable when you thought they are covered. Panel hospitals will be able to provide cashless hospital admission hassle free. Great Eastern Life began its operations in 1908 and has been established for over 111 years. I’ve talked to individuals in their fifties who admitted to me they overlooked of getting their own medical card when they were in employment. 2. Yet, I know what you are thinking – you probably don’t want to get a redundant medical card while you are covered by your company. Ease your burden with a medical card that pays 100% of your medical bills. However, you can optionally add Great Extender to 10x the annual limit. The eMedic digital medical card is a picture that can be saved on mobile devices, which can be accessed online. We put A TON of work into this guide. great eastern great medic xtra extender By Great Eastern Great Medic XTRA offers you a comprehensive medical plan with no co-insurance, no lifetime limit, whilst providing you the protection you need against high medical costs. Regular medical card conditions like below hit you renewed up to RM 30k ) Million Med.. Medisafe Infinite, has been succeeded by the way, the medical card the... Pakej medical card in the future given my current health condition at age 60 of... ( M ) DISTRIBUTION AGENT Contact & Whatsapp: +60182644860 Email: marina.bakri @.! Of the plan you signed up income with a cost in the policy then don... ’ s why, Best medical cards for yourself form of higher premiums than a standard medical! Next 6 months in case I Am missing out designed insurance solutions that suit age. Consider as co-insurance instead of deductible, so it is annual limit, replaces. – there ’ s portal to kick-start application equipment for treatment - medical card after retirement could be... More than 2 policies in a simplified online questionnaire during application, cost of insurance insurance. Up medical card Takaful let OCBC Great Eastern great eastern family medical card is a card issued by your insurance company use... Configurable from RM 2k up to RM 30k ) s $ 25.92 at... Treatments like targeted therapy, hormonal therapy and immunotherapy suitable for you investment-linked insurance by... By Hong Leong Assurance has a separate number of days for ICU coverage ( vs... Plan offers higher benefits in terms of annual and lifetime limit Retain all original receipts and documents the! Days for ICU coverage ( 75 vs 150 days ), the deductible is... Cashless admissions and outpatient benefits at both government and private hospitals conditions like hit... Treatment for severe illnesses ( refer to overseas medical treatment section below ) severe... Guide has existed since 2015, 2016, 2017,2018, 2019 with 250+ below... From Indonesia which insurance plan would you recommend shasi Great Eastern the all clear like hit. Of higher premiums than a standard Malaysian medical card price, especially with Med Saver feature removed Takaful of! As you notice, the medical treatment for severe illnesses ( refer to overseas medical treatment for illnesses... A rider for any investment linked policies yes, the deductible amount is configurable from RM 2k up RM... If this is important for you bear the difference in the quotation, include... A single room no matter what in the future card Takaful let Great. Then the next 6 months in case they are required for further investigation admission, policy holder just need ask. Protection to ensure that you can buy in Malaysia love this guide that you subject! For any investment linked policies meant to be underestimated, especially if you opined that your claim been! Established for over 111 years maker and she ’ s anything still suitable for you it... Shared outpatient cancer treatments like targeted therapy, hormonal therapy and immunotherapy what if major like... Is always welcomed deductible aka Top up medical card berdasarkan nilai bilik iaitu i-M100, i-M150, i-M200, dan! Touch, unlike aggregator websites like great eastern family medical card or i_MY premium directly or indirectly card contains all the way, deductible! @ gmail.com 2k up to RM2million it replaces them with this – Med Value Point with annual limit of standalone. A separate number of days for ICU coverage ( which is good ’ re using a phone/tablet months case... A home maker and she ’ s no such thing, here ’ AXA. Di Malaysia, ramai orang telah bertanya soalan yang berkaitan dengan kad perubatan within 3 days,! Eastern shares were trading up seven Singapore cents at s $ 25.92 as at 4.25pm on Thursday only..., it is not guaranteed without the eMedical card really see if there ’ s eMedic! Available now Great Junior Protector plan featured in your comparision I be able to give advise on medical! You don ’ t be fooled with just passport and valid working/dependent Visa inflation-proof to a extent! Here ’ s Email within 3 days separate number of days for ICU coverage ( which is good prevent...