Medical & Health Insurance(Insurans Perubatan & Kesihatan)

Medical & Health Insurance

what is medical & health insurance?

Medical and Health Insurance (MHI), is an insurance policy which is designed to cover the cost of private medical treatment, which can be very expensive, especially with hospitalisation and surgery. MHI also ensures that you won't have to worry about the cost of seeking treatment during emergencies. In addition, MHI also provides you with an income stream while you undergo treatment.

The main policies of medical & health insurance

Hospitalization and surgical insurance

Provide for hospitalization and surgical expenses that incurred due to illnesses covered under the polivy

Dread disease or critical illnesses insurance

Give you a lump sump advantage upon diagnosis of any  of 36  specified illnesses  or dread diseases .for a list of  the 36 dread disease,Please contact a licensed insurance company

Disability income insurance

Provides an income stream to replace a portion or your pre-disability income when you are unable to work because of sickness or injury

Hospital income insurance

Pay you a specified sum of money on a daily, weekly or monthly basis, subject to an annual limit, if you have to stay in a hospital due to covered illness, sickness or injury

How to choose the best  medical & health insurance?

• Shop wisely before you buy. Compare the policies of different insurance companies before buying.
• Be very careful and only choose the insurance that best suits you
• Determine if you can afford the premiums of the MHI cover you choose.Don't buy more than you can afford.           
• Take your time to discuss with an agent from an insurance company about the MHI policy you want to buy.
• Get information on the agent and insurance company. Get a business card with the agent's name, company name, address and telephone number. This is important if you want to enquire, renew or 
• claim on a policy later.
• Understand the terms and conditions of the policy as well as the scope of cover provided.
• Read your policy contract carefully.

Are you already covered with medical & health insurance?

Your employer may already have taken out a group plan where either your employer pays the premiums or you pay the premiums on your own. You should get details on the terms of the policy as well as its coverage. Even if you do have a group plan, you should look into getting an individual plan, because not only can you customize it to meet your needs, but you also wouldn’t have to worry about losing insurance coverage if you change jobs.

What benefits you get?

Each policy offers different benefits, and different insurance companies offer different scopes of coverage. Some insurance companies also offer comprehensive policies which offer more coverage than just the basic insurance cover.

 Insurans perubatan dan kesihatan

apakah insurans perubatan dan kesihatan?

Insurans Perubatan dan Kesihatan (IPK) ialah satu polisi yang melindungi kos rawatan perubatan swasta yang mungkin mahal, seperti kos kemasukan ke hospital dan pembedahan. Polisi insurans ini juga memastikan anda tidak perlu bimbang mengenai kos bagi mendapatkan rawatan kecemasan. Selain itu, IPK juga membayar anda sejumlah wang tertentu semasa anda menjalani rawatan.

Jenis-jenis polisi utama insurans perubatan dan kesihatan

Insurans hospital dan pembedahan

Membayar  pembelanjaan pembedahan yang ditanggung  dan kemasukan  ke hospital disebabkan oleh penyakit  yang dilindungi dibawah policy

Insurans  penyakit kritikal

Membayar manfaat secara sekali gus apabila anda disahkan mendapat  mana-mana 36 penyakit  kritkal atau penyakit yang telah ditetapkan oleh syarikat insurans

Insurans pendapatan akibat hilang upaya

Menyediakan sumber pendapatan yang berterusan apabila anda  tidak dapat berkerja akibat sakit atau cedera

Insurans pendapatan hospital

Membayar sejumlah wang  secara  harian ,mingguan atau bulanan tertakluk kepada had tahunan  sekiranya anda  perlu tinggal di hospital kerana penyakit yang  dilindungi,tidak sihat aau cedera

Cara untuk memilih polisi perubatan dan kesihatan yang terbaik

• Buat pilihan bijak sebelum membeli. Buat perbandingan ke atas polisi yang ditawarkan oleh syarikat insurans yang lain terlebih dahulu sebelum membeli.
• Beli polisi yang benar-benar sesuai dengan keperluan anda.
• Tentukan terlebih dahulu sama ada anda mampu membayar premium. Jangan beli lebih daripada apa yang anda mampu.
• Ambil masa untuk berbincang dengan syarikat atau ejen insurans anda. Dapatkan kad perniagaan ejen insurans yang mempunyai nama ejen, syarikat, alamat dan nombor telefon. Maklumat ini penting sekiranya anda ingin membuat sebarang pertanyaan, memperbaharui atau membuat tuntutan kelak.
• Fahami terma dan syarat polisi serta skop perlindungan yang ditawarkan.
• Baca kontrak polisi dengan teliti

Adakah anda sudah dilindungi dengan insurans kesihatan dan perubatan?

Majikan anda mungkin telah mengambil pelan berkumpulan di mana premium akan dibayar sama ada oleh anda sendiri atau majikan anda. Anda patut mendapatkan maklumat tentang terma polisi tersebut dan skop perlindungannya. Walaupun anda mempunyai pelan berkumpulan, anda mungkin ingin mempertimbangkan untuk mendapatkan pelan individu yang mungkin lebih bersesuaian dengan keperluan anda serta untuk menjamin perlindungan insurans sekiranya anda bertukar kerjaya.

Apakan kelebihan polisi ini untuk anda?

Setiap polisi menawarkan manfaat yang berbeza dan syarikat insurans yang berlainan menawarkan skop perlindungan yang berbeza. Sesetengah syarikat insurans juga menawarkan polisi menyeluruh yang memberikan perlindungan melebihi perlindungan insurans asas.