To compare H&S insurance plans
/ medical card insurance plans in
Malaysia, please log on to
www.eaHealth.asia
Guide to Hospitalisation and Surgical Insurance in Malaysia
What is Hospitalization & Surgical (H&S) Insurance?
Provisions of Hospital Admissions
Additional H&S Insurance Benefits
List of H&S Insurance from Various Insurance Companies in Malaysia
Why do People Delay in Purchasing H&S Insurance
Frequently Asked Questions (FAQ)
How to Select Hospitalization & Surgical Insurance in Malaysia
(also known as medical & health Insurance or medical card insurance in Malaysia)
Types of H&S Insurance
H&S Insurance With Deductible
Not many insurance companies offer this type of H&S insurance. Deductible is the fixed amount that you MUST pay for a medical bill. For example, if you have a RM10, 000 medical bill and your insurance has a RM2, 000 deductible, you must pay RM2, 000 from your own pocket and then the insurance company will pay the balance of RM8, 000.
Advantage:
(i) Cheaper premium
With the same amount of Annual Limit (for example RM60, 000), deductible H&S insurance is about 30 - 50% cheaper than those without deductible.
Disadvantage:
(i) Claim risk
Selecting higher deductible is one way to reduce your premium. However, you must consider your ability of paying the fixed amount of deductible in the event of an accident.
For inquiries on various H&S insurance plans available in Malaysia, kindly email your name, handphone number and email address to us at MalaysiaInsuranceGuide@yahoo.com
You may also want to know about:
'H&S Insurance With Co-insurance' -Click here
'H&S Insurance Without Co-insurance' -Click here
'H&S Insurance Witout Deductible' -Click here