Let us take a look at the table of annual premium of a Standalone Medical Card X below. Best Deductible Medical Cards in Malaysia 2021 Need a second medical card with lower premiums? List of top 10 best medical schools in Malaysia ! When comes to payment, I can easily pay with their multiple payment channels." 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. 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. Worldwide coverage; Access specialised care all around the world, subject to the reasonable and customary charges in Malaysia. Hospital Room and Board entitlement is up to 180 days a year. 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. Show posts by this member only | Post #1. But what makes these the top 4 medical cards, let’s get started. 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. 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. This way, you can afford an inexpensive standalone medical card with high deductible as your first personal medical insurance plan. 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. This means that if you were unlucky and had different reasons to need a hospital’s room and board within a year, you can. No waiting period for confirmed diagnosis. 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. ICU costs is something we’re still searching for since the cost is kept in the dark. ... (Licensed under the Islamic Financial Services Act 2013 and regulated by Bank Negara Malaysia). The outpatient cancer treatment and outpatient kidney dialysis is fully covered as charge subject to the annual limit. With a professional Allianz agent, he/she will be able to help you adjust the coverage terms based on your needs and budget. It is highly recommended that you add the following Rider: Smart Extender. This can be attributed to the health system in Malaysia. by Shirleen Tan Compare best medical cards offering cashless admissions with flexible benefits and paying 100% of your medical bills, from major insurers in Malaysia. Our medical insurance plan covers you up to age 99 next birthday. 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. You can see that there is an instant saving of RM960 a year! 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. 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. by Shirleen Tan The minimum Entry Age is 30 days old and maximum entry age is 65 and can be renewed till age 99. You can turn to your employment benefits. My medical card will cover all possible health issues I may have. If you or a loved one needs intensive treatment (for serious … Looking for a credit card that best suits your spending style? Enjoy uninterrupted access to medical care now and after you retire - up to 85 years old. 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