Tips on Getting a Medical Card

I've come across lots of friends, or clients who ask me the question on getting a medical card. 

"Tony, which medical card is good for me?" 

"Tony, what if I'm admitted to hospital, will the medical card be functioning?"

"If I have the medical card do I have to pay? or I pay partially?"

"Medical card is good but I can't afford it, how?"

Well, lots of people out there understand that having a medical card is very convenient and helpful. It is part of a medical insurance plan, but not every medical plan has a medical card. 

Its main benefit is getting you a fuss-free and cashless admission into local hospitals, though where you can use a medical card varies.

If you do not have one and are looking to get a medical card, here are some helpful notes in assisting you in getting the best medical card in Malaysia. You can compare medical cards in Malaysia by focusing on:

1. Prioritize: Which aspect of the plan is important to you?
   • Identify your needs. Do you have any pre-existing conditions? Does your family have a history of medical problems?
   • Identify your wants. What would you like to have together with your plan, just in case? Overseas treatment? Death benefits? Higher annual/lifetime limit?
2. Budget: How much can you afford to spend on premiums? A good indication of how much you can spend is doing some calculations Total household income – average household expenditure = money for leisure = Possible Premium Budget.
3. Compare: To compare medical cards Malaysia, it is important to put what you need before what you want.Which plans offer what you need?
   Which plans fall within your budget?
4. Compromise: You may come across problems if your budget does not at least cover what you need. You will most likely have to reconsider your budget, your needs or your lifestyle.

While doing the medical card comparison in Malaysia, here are some questions you should also consider to help you narrow down the results in finding the best medical card for yourself.

General

• What kind of services does my medical card cover?
  Does it cover pre-hospitalisation? In-hospitalisation? Post-hospitalisation? Surgery? Outpatient services? Which services do I need and want covered?
• Can I use the medical card at my usual clinic/hospital?
  You will have to refer to an insurance company’s panel of clinics and hospitals to see if your preferred medical service providers are listed.

The Insured(s)

• Who are the people that can use the medical card?
  Is the medical card only for myself as an individual, for me and my partner, or for me and my entire family?
• Is there an age limit to who can claim from the medical insurance?
  The age range differs across companies, but generally anyone from a baby of 30 days old to a senior of 65 years old are eligible. Anyone older than 65 is subject to the policy’s conditions.

Costs

• How much will hospitalisation cost me?
  Evaluate how much you might spend for room and board per day if you are hospitalised. This can help you decide on an appropriate budget.
• Do I have to pay any part of the bill?
  Does the insurance plan pay for everything or will I have to share part of the bill? Some plans have limits on how much they will pay for a service, but others pay the entire sum charged by the clinics/hospitals.
• Is there a limit to how much I can claim from an insurance company?
  You will have to check their service limits, annual limits and lifetime limits.

The above articles is adopted by from insurance-finder.my.

Contact information:

Name: Tony Ngu

Contact: 011 1058 8118 (Call/Whatsapp/Message)

Email: tonyngu2628@gmail.com

Book an appointment and see how our plan can benefit you today!