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New Insurance book released on June 2008... Guide to Hospitalisation and Surgical Insurance in Malaysia

Guide to Hospitalisation and Surgical Insurance in Malaysia

Insurans Hospital dan Perubatan

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Structure of  H&S Insurance

Types of H&S insurance

Plans Available

Policy Renewal Conditions

Provisions of Hospital Admissions

Common H&S Insurance benefits

Additional H&S Insurance Benefits

Waiting Periods

How Much is the Premium

List of H&S Insurance from Various Insurance Companies in Malaysia

Why do People Delay in Purchasing H&S Insurance

How to Select Hospitalization & Surgical (H&S) Insurance in Malaysia

What is Hospitalization & Surgical (H&S) insurance?        (updated on 21 Jan 2008)

H&S insurance is also known as medical insurance, health insurance,  medical & health insurance or medical card insurance in Malaysia. It is called 'insuran kesihatan' or 'insuran perubatan' in Malay language.

The major items covered under H&S insurance in Malaysia are:

(a) Hospitalization expenses such as room & board charges for a bed,

(b) Intensive care unit,

(c) Surgical related fees due to diseases and accidents while you are in the hospital like hospital supplies & services, anaesthetist's fees, in-hospital physician visits, etc,

(d) Pre-hospitalization treatments,

(e) Post-hospitalization treatments,

(f) Outpatient cancer treatment - chemotherapy, radiotherapy

(g) Outpatient kidney dialysis treatments,

(h) Organ transplant, and

(i) Others.