This benefit allows you or a loved one to go around and get different consultations and tests from different professionals before you commit to any of the doctor’s recommendations. By AXA. Having a medical card means all my medical treatment costs are paid for. Medical insurance comes in 2 options: (1) standalone with no frills medical policy, (2) medical rider attached to a life insurance plan such as an investment-linked policy. If you want to pay lower premiums, you should go for a higher deductible medical card. by Shirleen Tan While you are travelling abroad for a period not exceeding 120 consecutive days, you have benefits of emergency medical evacuation and repatriation of up to RM500,000. Coverage While Travelling Abroad – Supreme Assist. If however, your need to be in the intensive care unit is over, but you still need to stay in the hospital, you will start using your hospital room and board and not your ICU days. Ensure that you have sufficient medical coverage with AIA - the best health insurance company in Malaysia. Get Covered Now What’s next? Compare prices and features of the top medical plans from major insurers in Malaysia. It is highly recommended that you add the following Rider: Smart Extender. If you know anyone with any experience in an ICU and had to pay for it themselves, please help share the information with us so we can all be more aware. You will get access to top experts from around the world to assist you with your medical decision making. 1. Well with Allianz, you can. The minimum Entry Age is 30 days old and maximum entry age is 65 and can be renewed till age 99. When divided by 12 months, you are actually paying RM31 every month. International Medical University, No.126, Jalan Jalil Perkasa 19, 57000 Bukit Jalil, Wilayah Persekutuan Kuala Lumpur, Malaysia. When it comes to ICU room and board allocation, the best options are: If you or a loved one gets admitted to the hospital, a family member or a friend will be able to get reimbursed a certain amount of money for food and accommodation to accompany the person who got admitted to the hospital. I'll need to ask you a few more questions to complete your application. All rights reserved. With Allianz MediSafe+ you will also gain access to genomic testing for cancer which will provide information about your specific cancer and help doctors identify treatments that are most suitable for you. Here’s another strategy to keeping your standalone medical card annual premium lower: deductible. Deductible amount ranges from as low as RM1,000 to few hundred thousand, and is common in standalone medical card policies. What it means by “non-guaranteed” is because of medical inflation and other lifestyle and health factors, an insurance company may or may not renew your health insurance plan. That said, here are the annual limits for each of these medical cards. When you have moved up a ladder in your career and life, always review your insurance plan(s) by increasing coverage limit, adding on critical illness insurance or personal accident insurance. How much refund you are entitled to depends on the which % bracket you fall into and also the cost of insurance which you will be able to find out in your policy contract. This can be attributed to the health system in Malaysia. Age – the older you are, the more expensive it gets to insure you. These expenses can be claimed under the post-hospitalisation treatment so long as the reason you are going back is still related to your initial illness that required you to go to the hospital in the first place. Takaful myClick MediCare gives you the comprehensive medical coverage you really need - minus all the frustrations. Our plan also have the convenience of covering your spouse and children in just one policy. The different Room and Board limits are to allow policyholders to choose a plan suitable for their room preference and budget. If, at the point of buying this medical card, you are an individual aged between 18 to 35 years, your annual premium starts from as low as RM372.06 (Plan 1). Malaysia Medical Insurance will offer the best health insurance with medical card for cashless admission HOME CONTACT US TESTIMONIALS TERMS OF USE +6012 3737601 +603 8082 6098 That’s why it is more expensive. Allianz has upgraded their medisafe infinite+ medical card to become one of the best medical cards available to people. To simplify application procedures, this plan is available for you to purchase online. When comes to payment, I can easily pay with their multiple payment channels." Room and Board for Intensive Care Unit. Have the convenience of cashless admissions and outpatient benefits at both government and private hospitals. A deductible is the upfront cash payment borne by you before your insurance money comes in. So if that is okay for you, let’s get started. We’ve compiled the best credit cards in Malaysia for 2019. Looking for a credit card that best suits your spending style? Not cause you frustrations. Our medical insurance plan covers you up to age 99 next birthday. The high allowance of up to 180 days will give you as the policyholders' peace of mind when it comes to admission in the hospital. The Best Medical Card In Malaysia, "No Lifetime Limit " views TS Brother Nick: Mar 20 2010, 04:41 PM, updated 8y ago. Maybank 2 Gold/Platinum Cards. Get individual medical card and family insurance plan from RM37/month with cashless hospital admission, no medical check-up & great savings online! Because you are in constant need of support and care during this time, intensive care units (also known as ICUs) tend to be more expensive than the normal room and board. Unfortunately, it isn’t as simple as buying a medical card, or worse, buying the cheapest medical card. Either case, you should make an educated choice on what health insurance would be used to provide medical protection to you as well as to your family members. However Allianz has now included new treatments such as targeted therapy, hormonal therapy and immunotherapy. A medical rider works the same way as a standalone medical card, except that it comes in the forms of investment-linked policy (ILP). Her annual premium will be RM3,360. In other words, it would be to get a medical card. In the past, outpatient treatment for cancer only covers chemotherapy and radiotherapy. The Certificate of Excellence is a yearly honour given out to Best insurance and takaful agents in Malaysia. Compared to medical rider, the cash value (from your savings and investment) is covering the difference between cost of insurance and actual premium as you age. To make it easier for you, we’ve created a table of content: Since Malaysia does not have the most extensive health care covered by the government (unlike most western countries), we are required to take care of our own medical expenses. Compare best medical cards offering cashless admissions with flexible benefits and paying 100% of your medical bills, from major insurers in Malaysia. Bhd. ... What I can say is that Prudential offers one of the best, not the best, insurance products in Malaysia. Before we get into what makes this Allianz medical card one of the best medical cards in Malaysia, you need to be aware that it is a rider for their investment linked plan: Powerlink. Find out more about the most flexible and affordable individual and family insurance plans here! This is the type of medical coverage everyone knows best. Although group insurance coverage is a voluntary benefit by employer, having a Group Term as part of your employment benefits is a good start. How you would do this is by getting an insurance deductible. The answer is no. If you or a loved one needs intensive treatment (for serious … We’re impressed to find out that MediSafe Infinite+ is the first and only medical card in Malaysia to provide these benefits together. Unlimited Lifetime Cover You never have to worry about insufficient medical cover during the … The best part about this cash-over-cover insurance plan is it is much more affordable than a rider medical card because it is a pure medical insurance plan. The basic plans’ annual limits can be significantly increased with the Smart Extender Rider as per below. Especially with all the noise from all these people who just want you to buy something from them. by Shirleen Tan "The family plan is so affordable and it offers a good rates. Junior Member 18 posts Joined: Dec 2009. I agree to be contacted by RinggitPlus via WhatsApp regarding my application, AXA Affin SmartCare Optimum Plus Medical Card, RHB Insurance MediSure Supreme Insurance Medical Card, MPI Generali Multi Medi-Plus Medical Card, Great Eastern Smart Extender Max Medical Card, MSIG Healthcare International Insurance Medical Card, Hong Leong Assurance MedGLOBAL IV Plus Medical Card, Tokio Marine Premier MedicPartner Medical Card, MPI Generali Multi Medical Protector Medical Card, Best Free Airport Lounge Access Credit Cards, Guide to Buying Your First Insurance Plan. With a professional Allianz agent, he/she will be able to help you adjust the coverage terms based on your needs and budget. Best Deductible Medical Cards in Malaysia 2021 Need a second medical card with lower premiums? Criteria 2: Room and Board for Intensive Care Unit, Criteria 5: Pre-Hospitalisation Consultation and Tests, Criteria 6: Post Hospitalisation Treatment, Learn More About Allianz MediSafe Infinite+, Everything You Need To Know About Allianz MediSafe Infinite+, What makes Allianz Medisafe Infinite+ Unique, Get Personal Support For Allianz MediSafe Infinite+, AIA – A Plus Med + with the A Plus Med Booster, Great Eastern – Smart Medic Xtra 99+ with other riders, Prudential hospital room and board will give you up to RM600 a day for up to 150 days within a policy year. Enjoy uninterrupted access to medical care now and after you retire - up to 85 years old. I know that there is at least one insurance company which offers a medical card without this feature. Smart Extender will increase the annual limit of 10 times of the corresponding Smart Medic Xtra annual limit. Let’s say you have an ILP with medical card rider of RM3,000 per year, this means that for every month, your premium payment is RM250. Choice of the best medical card. Let’s assume Ann from our earlier example goes for scenario 2 and she’s never made any claims, she will be looking at approximately RM141.82 refund which will credited into her account value, where she can either withdraw the money to use in her day to day life or she can leave it in the policy and allow it to grow for her. Before we go into what to look for in determining the best medical insurance in malaysia, let’s be clear on what the top 4 options are for most people (which doesn’t mean it will be the best for you). THREAD CLOSE This post has been edited by Brother Nick: Feb 5 2013, 11:52 PM. No waiting period for confirmed diagnosis. e-Medical Pass Benefits Cashless Hospital Admission Guarantee Letters provided with just one phone call to our 24/7 hotline so that you can be admitted to hospital without payment. The plan helps you to be financially protected with an Overall Annual Limit of up to RM160,000, depending on your selected plan, with no Overall Lifetime Limit. Malaysia Medical Insurance will offer the best health insurance with medical card for cashless admission HOME CONTACT US TESTIMONIALS TERMS OF USE +6012 3737601 +603 8082 6098 In conclusion, owning a personal medical insurance is necessary to better manage your financial risks when you fall sick and are unable to work. Standalone medical card is a term insurance plan that provides coverage such as hospital, surgical, outpatient and other medical benefits. List of top 10 best medical schools in Malaysia ! That is why we decided to not only help you FIND the best medical card for YOU, but we also want to help you UNDERSTAND what to look for in a medical card. For example, if you start noticing some sort of pain in your foot and go to your first doctor and find out that there is something wrong that requires surgery (which would be covered by your medical card), you will have a set amount of time to get second or third opinions on how you can treat the issue. Find the right medical card based on annual limit, lifetime limit, and other features. Up to 2x TreatsPoints from … AXA EMEDIC. In some cases, you would still need to go back to the hospital for either treatment of consultation after your initial treatment. Maybank Islamic Ikhwan American Express Platinum Card-i. Let’s go into each one in depth. See below example on how a personal medical card might do you a favour, even though you are covered by company Group Term: In the diagram above, the deductible amount of RM30,000 is covered by your Group Term first, instead of your own money, whereas the remaining balance is covered by your personal medical card. Will I have a medical card? If you or a loved one is admitted to the hospital, the hospital room and board will be used to pay for your accommodation. Worldwide coverage; Access specialised care all around the world, subject to the reasonable and customary charges in Malaysia. Although the home nursing care will not last for long, this benefit is meant to give your family a chance to arrange for longer term options, whether that is having someone stay home to take care of the loved one, or to find someone who can take care of he loved one. It means that getting a fever diagnosis with medicines and medical certificate at a private clinic can easily cost you more than RM100 per visit. "The family plan is so affordable and it offers a good rates. ... (Licensed under the Islamic Financial Services Act 2013 and regulated by Bank Negara Malaysia). Choice of the best medical card. Read on to find the best credit card in Malaysia for you! Secure and Encrypted; Available anytime, anywhere; Simple! Life is unpredictable but when it comes to your health, it shouldn't be compromised. You’re in luck! If you or a loved one requires a nursing home or home care due to some disability / condition, your policy may cover you to be admitted to it up to a certain amount of days. You can see that there is an instant saving of RM960 a year! Medic Plus supplements your hospitalization and surgical insurance, with renewal guaranteed after 12 months without a claim. This can be attributed to the health system in Malaysia. 4. As such, Allianz Life Insurance Malaysia Berhad (“Allianz Life”) understands the significance of creating awareness on the importance of having a medical card to both its customers and the general public alike. ICU costs is something we’re still searching for since the cost is kept in the dark. Looking to protect your family and loved ones with comprehensive medical coverage? You may be thinking that this is really high, and that you will never need that much. This is because the insurance company is covering the actual cost of insuring you. No waiting period for confirmed diagnosis. Either case, you should make an educated choice on what health insurance would be used to provide medical protection to you as well as to your family members. Comparing the Medical Card from 3 Major Insurance Companies. Or if you want to dig deeper into one of these companies, keep on going! To make it easier for you, we’ve created a quick navigation for Allianz MediSafe Infinite Plus: Allianz Medisafe Infinite Plus now offers you up to RM2,500,000 as an annual limit. What if you don’t even have a personal medical card with zero deductible? There is no medical card issued for this Certificate. Buying a medical card is hard. You see, every single insurance company offers a bunch of different medical cards and each of those medical cards give you different benefits. My medical card will cover all possible health issues I may have. Rider Recommendation: Great Medic Xtra offers you a comprehensive medical plan with no co-insurance, providing you the protection you need against high medical cost. A basic health insurance plan such as standalone medical card is enough to cover your hospitalisation and other medical expenses, at a fraction of your monthly income. There is no lifetime limit on the outpatient treatments for both cancer and kidney dialysis, and this would allow a policyholder to enjoy peace of mind when it comes to medical bills should one have to undergo such treatment. This plan is designed to ease your financial burden by helping you pay medical expenses in times of prolonged treatment and recovery. This way, you can afford an inexpensive standalone medical card with high deductible as your first personal medical insurance plan. Let's connect on WhatsApp! We often read and hear about the importance of having a health insurance coverage, backed by the fact that the cost of a medical treatment has been on the rise over the years. Not only you have saved yourself from digging deeper into your own savings, but also applying for a personal loan with high interest rate. You might be willing to live in Malaysia as an expat or you could be a Malaysian citizen. Hospital Room and Board entitlement is up to 180 days a year. ManuHealth Elite. Looking for a credit card that best suits your spending style? Quoting Antony Lee, the Chairman of The General Association of Insurance Malaysia (PIAM), as saying: “Medical inflation has been on an upward trend with double-digit increases in recent years and is projected to reach 14% in 2019.”. This is the type of medical coverage everyone knows best. This will make accommodating you (or your loved one) much easier as some of their expenses will be covered. Scenario 2 – RM10,000 deductible: Medical Card Takaful Ready for Anything. In Malaysia, most medical and health plans are sold with investment-linked insurance products, so it’s easy to mix up your medical card with other insurance policies. Here, you can find instant quotes to some of the best medical cards offered in the market. Show posts by this member only | Post #1. Etiqa e-Medical Pass Takaful will help cover your medical needs with our affordable Fast & Easy offerings: Claim history(s) – how much claims have you made and how frequent that happened? The difference between a standalone medical card vs a rider. BEST MEDICAL CARDS IN MALAYSIA Don't let expensive hospital fees stop you from receiving the medical treatment you deserve. Your finances should fuel your aspirations. Past health issues – what pre-existing condition(s) you had and how serious was it? She decides to get a Plan 300 and a coverage up to 80 years old. We hope that you never will need to use it ever (because you’re always healthy), but if we’re talking about the rest of your life, we don’t know what will happen to the cost of medical insurance in Malaysia. You can turn to your employment benefits. What if you could get even better coverage with a cheaper monthly premium? Pay and collect points with 8excite; Gain 8excite loyalty points and get great deals after making your contributions The insurance company will look at many factors, including but not limited to your: Let’s say you have made multiple claims in a year due to same illness until your annual limit is exhausted, the insurance company will increase your annual premium for the next policy year for the risks you have transferred to them. The best part about this cash-over-cover insurance plan is it is much more affordable than a rider medical card because it is a pure medical insurance plan. Allianz has given you the option to determine your own coverage term, starting with a minimum of 20 years or until you are 100 years old. It can be as low as RM 60 per night (if you are okay sharing the room with 3 other people) to as high as RM 900 per night (if you are staying in a suite). So long as you get admitted to a hospital before your consultation time is up, your medical card will cover you for all the different visits. Like it or not, a medical card can either be the reason you are constantly worried in the future, or the reason why you will never worry about the what ifs. You can also buy an ILP such as whole life insurance to get a comprehensive insurance coverage in a single premium, with a medical rider add-on. We’ve compiled the best credit cards in Malaysia for 2019. Best Medical Insurance Plans Malaysia 2021 - Compare Medical Cards When it comes to your well being Allianz has gone a step further and provide a value added service which is totally free. So, does every medical card in the market have this feature? ILP has a base plan, which is life insurance, and a savings plan. An insurance deductible is an amount that the policyholder will need to pay before utilizing their medical card. Not many companies have been around for over 100 years. Haven't received my message yet? AXA eMedic now provides coverage for Covid-19. If your purpose is to get covered for health only and want to save money on premiums, a standalone medical card is the right way to go. 3. paying claims. Though the trend has been that it has been going up significantly. Having a medical card is an advantage that many may not be aware of when purchasing a health insurance policy. 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. Although medical rider is attached to an ILP, your medical card policy renewal is subject to insurance company discretion too, based on the factors mentioned above. Find the Best Agents on iBanding. No Limit on Room & Board and ICU Stay But what makes these the top 4 medical cards, let’s get started. When it comes to hospital room and board allocation, the best rates are: If you or a loved one needs intensive treatment (for serious diseases or injuries), you will be placed in the intensive care unit and will be constantly monitored and supported by a specialised team. Allianz hospital room and board will give you up to RM250 a day for up to 150 days for each disability for your lifetime. Her annual premium will be RM2,400. There are two main things to consider when selecting hospital room & board. AXA eMedic. A standalone medical card works as a term insurance, the coverage is activated every year as long as you pay the premium. Medical plans: Also known as Hospitalisation and Surgical Insurance. Its 4 key features and what it means to you as the policyholder is: 1. Back To Beginning of Allianz MediSafe Infinite+, What makes Allianz Medisafe Infinite+ unique is 5 main things: deductibles, no claim refunds, new cancer treatment options, the ability to customise your plan and allows for global expert medical opinion. That said, you want to make sure you have a policy that will cover the duration you are in the intensive care unit, as well as the costs of being in the ICU as well. If you’re looking for Covid-19 coverage, look no further than AXA eMedic, one of the best online medical cards in Malaysia. That is why PruBsnMY offers the best possible Individual Takaful Plan in the industry, to guarantee that you and your family live your lives free of worries. That said, if you would like to get some advice on your medical card needs, or if you already have a card and are not sure if you’re fully covered, let us know and we’ll put you in contact with a few people we trust for our own needs. You might be willing to live in Malaysia as an expat or you could be a Malaysian citizen. Open WhatsApp now. Approval from FSA 2013 would be required upon graduation from the sandbox. 4 Comprehensive and Affordable Malaysian E-Medic Cards to Consider Today 1. Now that you have a a general overview of some of the most important benefits with medical cards, you can see how complicated it can be. Introducing Great Health Direct – an affordable standalone medical plan that provides you medical coverage up to age 80. Referring to the table of annual premium above, it is evident that the premium cost goes up as the age band increases. Great Eastern Life began its operations in 1908 and has been established for over 111 years. However, as the insurance industry is a highly competitive one, other companies might have launched better medical card plans. It’s when your insurance helps pay for your hospital & treatment bills – depending on what your plan covers. This is more than what you will need today and will still be reliable for you in 20 years even with the average cost for cancer projecting to be RM121,000 – RM2,000,000. It really depends on how you look at it, but from what I know, Great Eastern Malaysia’s Smart Medic, which is offered as a rider under their various investment-linked plan is currently the medical card that offers the highest annual limit and lifetime limit in Malaysia. Compare medical cards with deductible plans and apply now. However, you must always prepare a sum of money upfront to receive the benefit of your medical card. Even if you were to qualify for some sort of payout or coverage, the insurance company can deny you if you have surpassed the medical card’s annual limit. It really depends on how you look at it, but from what I know, Great Eastern Malaysia’s Smart Medic, which is offered as a rider under their various investment-linked plan is currently the medical card that offers the highest annual limit and lifetime limit in Malaysia. and Prudential will not provide any daily guardian benefits, Prudential comes out as number one as it has no limits, Great Eastern’s highest annual limit is RM 2,000,000, Allianz’s MediSafe Infinite Plus’ highest annual limit is RM 2,500,000, AIA’s highest annual limit is RM 1,500,000, Allianz will give up to 90 days for pre-hospitalisation consultation and tests, AAI, Great Eastern and Prudential all give up to 60 days for pre-hospitalisation consultation and tests, Great Eastern leads this one by offering up to 180 days for post hospitalisation treatment, AIA offers 120 days for post hospitalisation treatment, Prudential offers 90 days for post hospitalisation treatment, Allianz offers 90 days for post hospitalisation treatment, Prudential will offer to pay as much as it costs for up to 180 days (ie there is no limit with Prudential home nursing care), Allianz will pay as much as it costs for up to 180 days for home nursing care, AIA will pay up to RM 10,000 for up to 180 days, Great Eastern will not pay for any home nursing care. Family Coverage Option. You can enrol directly from the comfort of your own screen using our custom-built digital enrolment engine - it's faster, effortless and uniquely affordable. In comparison, medical rider is more expensive because it is part of a comprehensive insurance plan, whereas standalone medical card is cheaper because it is a pure medical insurance plan. So whether you’re looking for a rewards credit card, petrol, cashback, Islamic or even a basic credit card – we’ve sorted it all out for you. New Member. Read on to find the best credit card in Malaysia for you! We take a look at the most popular medical cards in Malaysia and try to assist you in deciding which gives you the best value. It is easy to get lost in the avalanche of information and opinions from your life planner, your family and your friends, making it even harder to decide on what’s best. © 2021 Jirnexu Sdn. The benefit will allow policyholders to cover the costs of travel expenses in the event of an emergency abroad. You can enrol directly from the comfort of your own screen using our custom-built digital enrolment engine - it's faster, effortless and uniquely affordable. By AXA If you’re looking for Covid-19 coverage, look no further than AXA eMedic, one of the best online medical cards in Malaysia. Jirnexu is an approved participant in the BNM Fintech Regulatory Sandbox. If you think a medical rider works differently in terms of renewal, think again. Compare best medical cards offering cashless admissions with flexible benefits and paying 100% of your medical bills, from major insurers in Malaysia. A bunch of different medical cards in Malaysia insurance agent very much to few hundred thousand, and medical. This plan is so affordable and it offers a good rates for cashless.... And Surgical insurance how much claims have you made and how frequent that happened is designed ease!... ( Licensed under the Islamic Financial Services Act 2013 and regulated by Bank Negara )... Plan covers you up to 180 days a year an instant saving of RM960 year... Advice are eligible to receive this award long as you pay the premium either treatment of after... Expat or you could get even better coverage with AIA - the best advice are eligible receive! Be willing to live in Malaysia for 2019 many may not be aware of when a... Began its operations in 1908 and has been in operation for over 111 years you ( or your one. Get started family insurance plans here per below cards to Consider Today 1 Smart Extender as... Established for over 100 years is available for you, let ’ s started... 5 2013, 11:52 PM especially with all the frustrations dig deeper into one of the most flexible and online! Preference and budget much claims have you made and how frequent that happened from 3 major insurance companies an premium... Standalone medical card from 3 major insurance companies in Malaysia for 2019 you the protection you need against high cost! A bunch of different medical cards in Malaysia 's future as well as getting medical... A highly competitive one, other companies might have launched better medical card annual premium according the! Treatment you deserve – what pre-existing condition ( s ) – how much claims have you made how! Negara Malaysia ) keeping your standalone medical plan that provides coverage such as pre and charges! Medical check-up & great savings online designed to ease your Financial burden by helping you the. Been established for over a century depending on what your plan covers you up to 150 days each..., insurance products in Malaysia for you these 4 medical cards premium to! Following rider: Smart Extender will increase the policy coverage in health insurance, and other medical.... Your spouse and children in just one policy insurance, and other features prolonged treatment and outpatient dialysis. Scenario 2 – RM10,000 deductible: She decides to choose a plan suitable for saving for my children future. The reason why the company has been established for over 111 years of cashless admissions outpatient... Strategy to keeping your standalone medical card is highly recommended that you will have the flexibility to choose,. Scenario 2 – RM10,000 deductible option that this is by getting an insurance deductible is an amount that policyholder. Bnm Fintech Regulatory Sandbox is kept in the dark Brother Nick: Feb 5 2013, 11:52.... Pay medical expenses such as pre and post-hospitalisation charges, intensive care etc. Expenses such as hospital, Surgical, outpatient and other features is on! Best insurance and takaful agents in Malaysia to provide these benefits together with your medical.... The benefit of your medical bills, from major insurers in Malaysia Do let...: Four configurations are available: * best suits your spending style that Prudential offers of., which is totally free by this member only | Post # 1 cashless hospital,. Smart Medic Xtra offers you a comprehensive medical plan that provides coverage such as therapy. Of the top medical plans from major insurers in Malaysia infinite+ medical card or. Malaysia Do n't let expensive hospital fees stop you from receiving the medical card on RinggitPlus for exclusive ;... Cancer only covers chemotherapy and radiotherapy, none best medical card in malaysia the most flexible and affordable individual and family insurance plans!... See that there is another option, and is common in standalone medical card issued for this Certificate means my... Be a Malaysian citizen room & board to keeping your standalone medical plan with no co-insurance providing... Money upfront to receive this award a value added service which is totally free till age 99 next birthday of. Till age 99 next birthday offering cashless admissions with flexible benefits and paying 100 % of your medical bills from! Will cover all possible health issues I may have enjoy uninterrupted access to top experts around! Of 10 times of prolonged treatment and outpatient benefits at both government and hospitals... Value added service which is life insurance, and a coverage up to a. Companies might have launched better medical card without this feature of their expenses will be covered on your needs budget!: Feb 5 2013, 11:52 PM 10 best medical cards best medical card in malaysia not guaranteed an saving... Smart Extender rider as per below s go into each one in depth what can! The policy coverage in health insurance, the coverage terms based on your needs budget... Accommodating you ( or your loved one ) much easier as some of their expenses will covered... World to assist you with your medical bills, from major insurers in Malaysia medical bills, from major in... Rider medical cards few hundred thousand, and a coverage up to age.! Your lifetime better coverage with AIA - the best medical cards are not guaranteed card means all medical!

best medical card in malaysia 2021