Top Questions Asked

Q: What are things NOT covered for a standard medical card in Malaysia?

A: Very commonly we see Facebook comments that some company does not cover certain items in a medical card. This can be due to several reasons. Firstly, take note of non-disclosure or misrepresentation (read more here: https://www.financial-ombudsman.org.uk/publications/ombudsman-news/46/46_non_disclosure_insurance.htm) . In layman term, it means client (or sometimes agent) failed to disclose complete account of client’s current and past health history. For example, if Mr A has a history of thyroid but did not inform the agent when applying for a medical card, if he was to admit to hospital in the future due to thyroid issues, Mr A would not be able to claim. 

Other common NOT covered items are like plastic surgery, eye correction or lasik surgery, damaged teeth due to hygiene issue, anything pregnancy delivery related and many more. Generally, preventable/ other-alternative-possible incidents are typically not covered. Accidental or non-preventable genuine incidents are usually covered.  

*Disclaimer: Above discussion is subject to case-to-case basis. A professional consultation by an insurance advisor is preferred.

Q: Are all medicines covered by medical card upon hospitalised? Or it must be prescribed by the doctor then only it is covered?

A: Yes, all medicines during hospitalisation period are covered by medical card. However, it must be prescribed by the attending only. Any change of doctor during hospitalisation must be accompanied by proper referral letter/ documents.

Additional items like hospital admin fee/ charges, extra usage of items unrelated to hospitalisation are usually not covered. Vaccination injections (if any) are also not covered.

*Disclaimer: Above discussion is subject to case-to-case basis. A professional consultation by an insurance advisor is preferred.

Q: Can I upgrade my standalone medical card to an investment-link medical card in the future? Any hidden cost/ criteria required?

A: Yes of course. If the coverage/ benefit is higher (for example: a higher Room & Board limit or Yearly Limit), a standard current health declaration is required. You are subject to medical check-up by company if your health status has changed and this will affect the underwriting department to approve you.

If the coverage is equal or lower, then you don’t need to declare your current health status.

*Disclaimer: Above discussion is subject to case-to-case basis. A professional consultation by an insurance advisor is preferred.

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