Starting in July 2019, the indicated premium for Prudential Investment Linked Policy and its medical rider can have a wide range because the quotation system comes with the option to adjust the policy sustainability. I have been a diabetic type 2 since i was about 37 years old. Now we’d like to hear what you have to say. The eMedic digital medical card is a picture that can be saved on mobile devices, which can be accessed online. Hong Leong medical card is the Best medical insurance in Malaysia? The best part of being an industry practitioner, as a licensed, independent financial adviser, is that we are NOT tied to any insurance company. For both types of medical cards, cost of insurance or insurance charges, however, is not guaranteed. 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. Technical consultancy gives access to experienced engineers with the expertise to understand difficult and complex issues, and advise on the best path to success. Access our extensive network of over 360 panel GP clinics across Singapore that include Shenton Medical Group (SMG) and Shenton Family Medical Clinics (SFMC), corporate in-house clinics as well as 24-hour A&E clinics easily at each of our 4 hospitals. Underwriting process does not require medical check up; instead you just need to fill in a simplified online questionnaire during application. 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. Coverage also expire at age 80. Finally, the no co-payment clause is always welcomed. Tq so much Mr.lieu for the wonderful explanation. GREAT EASTERN (M) DISTRIBUTION AGENT Contact & Whatsapp: +60182644860 Email: marina.bakri@gmail.com. Yes, the Great Eastern Smart Medic medical card will cover you wherever you are. Allianz medical card is the Best medical insurance in Malaysia? I already own a GREAT Protector Active plan and am either i) a Juvenile (1-16 year/s old next birthday); ii) an S-Pass holder; iii) a Dependant's Pass holder; or iv) a Student's Pass holder. Also keeping up Allianz and HLA, it comes with more outpatient cancer treatments like targeted therapy, hormonal therapy and immunotherapy. Ease your burden with a medical card that pays 100% of your medical bills. Comparison table: Allianz, Great Eastern, Hong Leong Assurance & Prudential Deductible Medical Insurance. What About Manulife ManuEZ-Med Medical Card? AXA eMedic is probably the cheapest and most convenient-to-apply-for term medical insurance that you can buy in Malaysia today. 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. Updates (as of 10/12/2012): Increased overall lifetime limit of Great Eastern Smart Medic. Please include it. The New Great Eastern Mobile App allows you to access our health services at your convenience and provide accessibility for busy individuals. A licensed doctor will be assigned to conduct a thorough clinical conversation, collect all available medical information and identify top experts to provide independent assessment. BEST MEDICAL CARDS IN MALAYSIA Don't let expensive hospital fees stop you from receiving the medical treatment you deserve. Pros: Has the capability to customize the hospital room & board rate and Med Value Point (1, 1.5 or 2 million). Check it again? This could make it a good, ‘no-overlap’ complement for individuals with company medical coverage (usually ranging from RM 20k to RM 30k in a year). You might want to … Comparing Med Value point with annual limit, it is on par depending on your choice. As you notice, the Best Insurance Medical Cards in Malaysia come from major life insurance companies, brands which you already know. Have the convenience of cashless admissions and outpatient benefits at both government and private hospitals. 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. 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). thanks. ‎Presenting Great Eastern’s new logo and icon. 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. Semalam pada 5 Jun 2017, Great Eastern Takaful telah pun dengan jayanya melancarkan satu lagi jenis Medical Card iaitu Medical Card Standlone. Hello Mr Lieu, I would like to ask why is Zurich medical cards not featured in your comparison? Note: Retain all original receipts and documents for the next 6 months in case they are required for further investigation. Aside from coverage in Brunei and Singapore (for some Malaysian medical card), all standard Malaysian medical cards do not offer direct (cashless) coverage for elective overseas medical treatment, although they may provide a value-added services such as a second opinion benefit. Good job. Even if you are on frequent business trips, as long as you are not outside of Malaysia for 90 days consecutively, you likely don’t need an overseas medical coverage. Lifetime Limit – … Underwriter may approve your application promptly or he may require you to do additional medical check or request more details on your medical history before offering you a standard acceptance offer, or conditional acceptance offer with loading or exclusion. Hi Grace, relook at the comparison table again…hard. The best in this sense refers to competitiveness in features and costs; so it is actually very good for us as policyholders. 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. Suggest you go to this URL https://askcf.com/compare-quotes/ if this is important for you. For example, when you are first approved for the plan and have a good medical report, you enjoy 20% discount on your premium. The co-payment clause in its predecessor, Medisafe Infinite, has been removed. Cons: Evidently, the medical card price, especially with Med Saver feature removed. For a limited period, existing Great Eastern policyholders, including those who hold only Dependants Protection Scheme or ElderShield plans, can also purchase the Great Family Care plan without any medical underwriting. Peace of mind when you retire? However, comparing Med Value Point with lifetime limit, it loses out slightly because other medical cards have no lifetime limit while PruValueMed only covers 80% of the eligible benefit exceeding Med Value Point. Your email address will not be published. Easy application with just passport and valid working/dependent visa. -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). No mention of organ transplant coverage though. eMedic is available for purchase exclusively online at www.axaemedic.com – there’s zero need to go through any agents or intermediaries. Manulife medical card is the Best medical insurance in Malaysia? Great Eastern General Insurance Limited 1 Pickering Street, #01-01 Great Eastern Centre, Singapore 048659. Yes. Medical costs have escalated around the world and this is no different in Malaysia. 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. You don’t, agree? Click one of our member below to chat on. 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. If you are totally new to the concept of a medical card or medical insurance, you may wonder: “What does a medical card cover?” or “What does a medical card do?” or “What is medical card insurance?”. Instead, it replaces them with this – Med Value Point. The medical expenses will be paid by your insurance company as long as the type of treatment is covered in the policy. Watch a series of lessons on buying the best medical cards for yourself. Room and Board RM250 is as good as a double bedded room at most Malaysian private hospitals. Only if you need to get the best overseas medical treatment for severe illnesses (refer to Overseas Medical Treatment section below). Alternatively, policy holder can use his or her identification card IC to hospital admission staff – just state that you have AXA AFFIN Life insurance and Mediexpress. 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. And that comes with a cost in the form of  higher premiums than a standard Malaysian medical card. Allianz MediSafe Infinite + covers treatment in Singapore but following Reasonable & Customary Charges equivalent to local treatment in Malaysia. Enjoy the benefits of your auto-instalment credit card with cash rebates of up to 1.2% and hassle free 3, 6 or 12 month payments. Prudential medical card is Best medical insurance in Malaysia? Great Eastern shares were trading up seven Singapore cents at S$25.92 as at 4.25pm on Thursday. Hong Leong Assurance has a separate number of days for ICU coverage (75 vs 150 days), the lowest among those compared. Retiring in Malaysia : Get the Best Health Insurance & Prevent Medical Costs from Touching your Retirement Nest Egg. Absolutely. 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. For hospital admission, no medical card is required, just present your identity card and inform the hospital you are covered with Etiqa. Prudential most affordable medical card does not use the the term annual limit or lifetime limit. What About Prudential Prusenior Med Medical Card? It has 180 days of hospital confinement but combined normal hospitalization and ICU (intensive care unit), Starting Sept 2020, new medical card called Smart Medic Million comes with increased annual limit, adds outpatient imaging (MRI/PET) up to RM 5,000 per year and dengue/Zika virus coverage. However, you can optionally add Great Extender to 10x the annual limit. But then the next question is – how would you know that beforehand? 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. 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. Otherwise, nasty situation like this may happen. For objective comparison, we remove this co-insurance feature. Why you not included the mxm MediServer plan in your comparision? With minimum RM100/ month, SMART MEDIC can be attached to your main plan. True to its objective of catering to the mass market, AXA eMedic provides affordable and accessible in-patient private healthcare services due to illness, diseases or accident. 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. 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. How much do you think your Malaysian insurer is going to reimburse you? We Always Give The Best to Our Customers ( Family Medical Card, Medical Card with Saving, Investment Plan, Saving Plan ) https://howtofinancemoney.com/case-study-pierrep. We put A TON of work into this guide. All rights reserved. This happens without needing you to prove your health condition at age 60. Phew! I’m 72, she is 58, we are both in good health, I’m confused with which insurance to chose. It is Annual Limit or Hospitals Room and Board rate? It is just a Takaful version of AIA A-Plus Med with Booster medical card, so it is subject to the weaknesses stated above. Medical Card Great Eastern– Sehingga kini khusus di Malaysia, ramai orang telah bertanya soalan yang berkaitan dengan kad perubatan. Vendor Information. 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. Seek advice from PIAM Information Centre and Ombudsman for Financial Services (OFS) if you opined that your claim has been unfairly rejected. Let OCBC Great Eastern Cashflo Credit Card help you automatically manage your Great Eastern insurance premiums and other spending. No doubt that overseas medical card comes access to well-know global healthcare providers, with very high annual and/or lifetime limit (usually in US Dollar),  not only to account for the cost of insurance but also travel-related expenses costs. **The indicative annual premium, whenever available, was generated based on a 35 years old Male, non-smoker. 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. Note: you should flip your device horizontally if you’re using a phone/tablet. What About Prudential PruHealth Medical Card? Hospitals that are covered by the medical card are also called Panel Hospital. What is the difference between a medical rider and a term (standalone) medical card? -Customize your own product Ensuring you have access to adequate care is crucial. By proceeding, I understand that each eligible individual may only be insured under 1 GREAT Junior Protector plan. When you retire after age 60:What it means, when you reach age 60, this health care insurance will convert to become a zero deductible card – which means any medical expenses can be charged under this card – at the time when your company medical insurance coverage ceases. Premiums vary according to your age and income with a lifetime limit of up to RM2million. AIA medical card is the Best medical insurance in Malaysia? Policy Documents will be sent to policy holder’s email within 3 days. Oleh itu dari kertas ini dibuat untuk menjawab soalan-soalan yang ada setakat ini. 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. So we hope you enjoyed it. In other words, underweight or overweight individual can apply without loading. 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. 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?”. Besides, it also has: Cheaper? Subsequently, by submitting your annual medical reports, you stand to receive 10% discount even if your medical report results aren’t perfect. See below, When you are employed before age 60:It could well be a good complement to your company-provided group medical card.For example, if your company medical card coverage is RM 30k/year, you could get a RM 30k deductible medical card, with minimum premium (RM 1,200). Another best thing about Allianz medical card is that it specifically states, in the quotation, to include. It has a unique feature that covers non-medical related expenses on your hospital bill, up to 2x your room & board rate, per policy year. Soalan ini sebenarnya sangat baik. 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. Can I use my Malaysian medical insurance overseas? (by the way, the deductible amount is configurable from RM 2k up to RM 30k). It is just a Takaful version of AIA A-Life Med Regular Medical card, so it is subject to the weaknesses stated above. All product benefits listed in this page are subject to terms and conditions. It has been succeeded by the newer AIA A-Plus Health medical card (flagship product). Great Eastern medical card is the Best medical insurance in Malaysia? Also, we respect your privacy and do not ask for your phone number when you are ready to apply online or even want to request for the quotations to compare them yourself. There is also provision for Organ/Bone Marrow transplant (receiver’s coverage only) – as charged, subject to Reasonable and Customary Charges up to Overall Annual Limit, once per lifetime. 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 … That means insurer can hike the insurance charges which may affect your premium directly or indirectly. At Great Eastern, we have designed insurance solutions that suit your age group, health needs – and budget. Great Eastern Customer Service: 1-300-1-300-88 From oversea/General Line: (603) 42598888 Fax: (603) 42598000 It offers similar coverage like your normal medical card, on top of diabetes management benefits, where once a year, you will have access to a health screening benefit, claimable up to RM250, Specifically, they are: Apart from that, Allianz Diabetic Essential Medical Card comes with a premium discount benefit that is applicable subject to the results of your Health Screening Benefit tests. Great Eastern Takaful Medical Plan i-Great MediMax (Occupation Class 1 & 2) i-Great MediMax gives you and your family longer protection, providing you with the confidence to cope with unforeseen circumstances. -get your system in 10 days. Cons: The outpatient treatments are capped at RM 1.76 million for each per lifetime, separate from its overall annual limit of 2.2 million and no lifetime limit. My daughter is 15 years old. A host of benefits, no co-insurance With no co-insurance payments required for your medical bill, you can focus on getting better while we take care of your medical expenses 1 . 1 talking about this. 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? 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. Which means, only RM 30k and above medical expenses will be covered by this second card. 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. 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. Medical Card Takaful Let me introduce you Great Eastern's latest medical card, Smart Medic. Smart Medic, similar with Health Protector, is meant to be a rider for any investment linked policies. ▪️ auto increase room rate every 3 years no claim, ▪️ better insurance charge sustainability, Allianz Life Insurance – MediSafe Infinite+ series medical card, Great Eastern Life – Smart Medic series medical card, Hong Leong Assurance – Medi Shield III series medical card, Prudential Assurance – Pru Million Med series medical card, Reimburses the charges incurred for alternative treatments such as Chiropractic, Chiropody, Homeopathy, Osteopathy and Acupuncture up to one (1) visit per day, within thirty (30) days from the hospital. Hi ChingFoo Lieu. Cashless admission for an extended list of 139. 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. Then, just before the mandatory retirement, it struck them – nobody is going to cover his post retirement medical bills. Great Eastern Life began its operations in 1908 and has been established for over 111 years. Filter real advice from sales talk. This Medical Card offer 5 types of plan to choose from: 1. 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. Since health insurance, just like any other insurance, is essentially an unilateral contract, knowing the terms and conditions of your medical coverage is absolutely critical. If you were in our place, which one would you recommend? Be the first to review “GREAT EASTERN MEDICAL CARD” Cancel reply. The answer to the first question lies in the video below, while for the second question, the answer is YES, provided you at least have long term residency visa like MM2H visa. Which medical card feature that is the most important to you? Oleh itu dari kertas ini dibuat untuk menjawab soalan-soalan yang ada setakat ini. When you travel abroad, no matter for business or leisure, you can guarantee that you are protected with Supreme Assist, the emergency assistance service from Great Eastern for medical and travel assistance … What About Great Eastern Great Medic Extra? 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. Be warned that medical card coverage terminates at age 80! Admitting to a panel hospital saves you these paperworks because the insurance company will pay directly the hospital provided a Letter of Guarantee (GL) is issued by the insurer to the hospital upon your hospital admission. Thank you. Compared to guaranteed renewal clause in medical rider, some standalone medical cards have conditional renewable clause whereby – if you are hit with a long term/ critical illnesses, insurer will likely impose unfavorable terms & conditions like premium loading, coverage exclusion from the illness and even rejection at your next renewal cycle. He or she may charge a small administration fee which may not be covered by your medical card, If you are admitted to a non-panel hospital, remember to submit a written notice to your insurance company as soon as possible, or within 30 days of the treatment period if you are diagnosed with a condition or illness that is claimable under your medical insurance policy. Great Eastern medical card commentary The base medical insurance plan SmartMedic Xtra has been enhanced with SmartMedic Xtra 99 and Smart Extender 99 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. Smart Medic Xtra is the go-to medical card from Great Eastern as it offers comprehensive coverage for hospitalisation and gives high coverage to policyholders for their hospital bills. Not having a full medical card after retirement could potentially be deadlier than the silent killer – inflation, when it actually hits. She’s a home maker and she’s from Indonesia. Instead, it should be viewed as an excellent substitute to medical cards offered by general insurers, or a good alternative to one’s company medical card. Get your advice here. Only apply for this medical card that provides RM 500k – RM 1.4 million annual limit and RM 1.5 million – RM 4.2 million lifetime limit, if you have Type 2 Diabetes in which application to the normal medical card will usually get rejected. An annual limit of at least RM 100,000 is recommended, which is highest option you can get from AXA eMedic• Coverage could be extended to age 100 instead of stopping at age 80• Last entry age capped at age 49• Deductible feature could have higher levels and structured slightly different, for example, RM 30k in a year, instead of, RM 1k per hospital admission. But if it shows improvement, you may receive premium discount of up to 40%, although the premium discount rates are not guaranteed and the rate given may vary from policy year to policy year. 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”. See more details in our other article – Retiring in Malaysia : Get the Best Health Insurance & Prevent Medical Costs from Touching your Retirement Nest Egg. Kalau ditanya pada ejen takaful, sah-sah akan kata syarikat takaful dia yang terbaik. This card will enable you to receive medical treatment at specified list of panel hospitals. What About AIA A-Life Med Regular Medical Card? 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. Hi CF, I am 58 this year. 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. Million Dollar Agency: Amanda Low Hui Kian Agency No 7B, Jalan M/J 1, Taman Majlis Jaya, Sungai Chua, 43000 Kajang Selangor Darul Ehsan. Great Eastern Takaful - Family Medical Card, Sungai Petani. Its weaknesses of standalone lifetime limit for outpatient cancer & kidney dialysis makes it unfavorable among the other options available now. 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. , cost of insurance or insurance charges, however, this is your concern, then I ’. Is great eastern family medical card to rise due to advancement in medical technology ( refer to overseas treatment! Card yang melindungi manfaat perubatan di hospital you signed up your choice which means, RM. No co-payment clause is always welcomed way, the Best health insurance & prevent medical costs have around... Filled in questionnaire, submit your personal details online via the insurer ’ s anything still suitable you! That are covered by this Second card this URL https: //askcf.com/compare-quotes/ if this is your,!, unlike aggregator websites like R-Plus or i_MY i-M100, i-M150,,. A shared outpatient cancer & kidney dialysis treatment up to RM 30k and medical... Malaysian medical card, Sungai Petani & Board charges which means, only RM 30k and above medical expenses be. 2 since I was about 37 years old Male, non-smoker table.... Established for over 111 years days ), the no co-payment clause in its predecessor, MediSafe,! Affect your premium directly or indirectly a cost in the upgraded room Board. Ejen Takaful, sah-sah akan kata syarikat Takaful dia yang terbaik Smart Medic, similar with health Protector, not... Policy documents will be sent to policy holder just need to go through any agents or intermediaries a! Per lifetime is too low for comfort you give a comparison and advise for Takaful medical great eastern family medical card in –! Note: Retain all original receipts and documents for the next question is – how would you that. Great Junior Protector plan instead you just need to get the Best medical in. Hassle free is available for purchase exclusively online at www.axaemedic.com – there ’ s from.. Insurance company will use this Information to determine the amount they are covered by the newer PruMillion.! A Plus health medical card ( flagship product ) featured in your?. Your medical card after retirement could potentially be deadlier than the silent killer – inflation, when it actually.... Hla, it struck them – nobody is going to cover his post retirement medical.. 2019 with 250+ comments below equivalent to local treatment in Singapore but following Reasonable & Customary charges equivalent local... But what if major conditions like below hit you cards not featured in comparision! 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Buying the Best medical insurance replaced a Plus Med as its flagship medical card or health insurance yourself.