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)
What Are Waiting Periods?
Waiting period means the specific number of days (time frame) started from the policy approval date or reinstatement date whereby certain benefits are not payable. For example:
The waiting period for sickness claim is 30 days.
The waiting period for Specified Illnesses is 120 days. Specified Illnesses shall mean the following disabilities and its related complications:
a) Hypertension, diabetes mellitus and cardiovascular disease
b) All tumours, cancers, cysts, nodules, polyps, stones of the urinary
system and biliary system
c) All ear, nose (including sinuses) and throat conditions
d) Hernias, haemorrhoids, fistulae, hydrocele, varicocele
e) Endometriosis including disease of the reproduction system
f) Vertebro-spinal disorders (including disc) and knee conditions
To compare H&S insurance plans
/ medical card insurance plans in
Malaysia, please log on to
www.eaHealth.asia
Table below: Waiting periods for different types of claim
|
Types of Claim |
The Waiting period is…
|
|
Sickness
|
30 days
|
|
Specified illnesses
|
120 days
|
|
Accidental injuries
|
Waiting period is not applicable
|
When will the waiting period re-count?
The waiting periods will be re-count (start all over again) from the date of reinstatement of your policy. Reinstatement means to reactive a terminated policy. Outstanding premium and interests incurred have to settle before the policy can be reinstated.
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