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)
Frequently Asked Questions (FAQ)
Q: Who can apply for Hospitalization & Surgical (H&S) Insurance?
A: Normally, anyone between 1 month and 60 years old may apply for H&S
insurance. Only a few insurance companies allowed enrolment for people up
to 65 years old.
Q: What is the scope of coverage for H&S insurance?
A: Worldwide, 24 hours coverage.
Q: Who can buy H&S insurance?
A: Baby from 1 month to 60 year old adult are eligible to apply for H&S
insurance in Malaysia.
Q: How long does H&S insurance covered?
A: Majority of H&S insurance covered up to age 65. Some H&S insurance covered
up to age 70. However, there are only a few H&S insurance provide coverage
up to age 75. Very small amount of H&S insurance covered till 80 years old.
To compare H&S insurance plans
/ medical card insurance plans in
Malaysia, please log on to
www.eaHealth.asia
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
Q: What are the H&S insurance plans available?
A: Please refer to the chapters Structures of H&S Insurance and Types of H&S Insurance for plans available.
Q: What are the Types of Policy Renewal Conditions?
A: The are three types of policy renewal conditions namely:
i) Renewal at the option of policyholder (formerly the common wording use are ‘guaranteed renewal’)
ii) Conditional guaranteed renewal
iii) Yearly renewal.
Please refer to 'Policy Renewal Conditions' section.
Q: Are premium rates for H&S guaranteed?
A: No, premium rates are not guaranteed because it is age-banded in
accordance with the attainable age of policyholder at the time of renewal.
The Insurance companies reserve the right to change the premium rates.
Q: What types of cancers are excluded in the Outpatient Cancer
Treatment?
A: i) Carcinoma in situ including of the cervix;
ii) Ductal Carcinoma in situ of the breast;
iii) Papillary Carcinoma of the bladder & Stage 1 Prostate Cancer;
iv) All skin cancers except malignant melanoma;
v) Stage 1 Hodgkin’s disease;
vi) Tumours manifesting as complications of AIDS.
To compare H&S insurance plans
/ medical card insurance plans in
Malaysia, please log on to
www.eaHealth.asia
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
Q: Is pre-ex
isting health conditions covered?
A: Pre-existing health conditions shall mean disabilities that you have reasonable knowledge of. You may be considered to have reasonable knowledge of a pre-existing condition where the condition is one for which:-
i) you had received or is receiving treatment;
ii) medical advice, diagnosis, care or treatment has been
recommended to you;
iii) clear and distinct symptoms are or were evident; or
iv) its existence would have been apparent to a reasonable person
in the circumstances.
Q: Is medical examination required for H&S insurance?
A: Generally, medical examination is not required for H&S insurance application,
however, the insurance company reserves the right to request for it. The
medical examination fee for standalone H&S insurance is to be borne by the
applicant.
Many life insurance companies absorb the medical examination fee
if you purchase H&S insurance which is attached to investment-linked
insurance, whole life insurance or term insurance.
Q: If I transfer my H&S insurance from one insurance company to
another, will the new insurance company waive the 30 days waiting
period?
A: ‘Takeover’ practice is allowed by Bank Negara Malaysia (Central Bank of
Malaysia), however, most insurance companies does not consider takeover
case from other insurance companies.
If the new insurance company does not consider takeover case, it means the
30 days waiting period will have to start all over again. Try to find out which
insurance companies practice takeover case if you really want to transfer your
H&S insurance to another company. No harm to negotiate with the insurance
company to find out a fair terms and conditions.
To compare H&S insurance plans
/ medical card insurance plans in
Malaysia, please log on to
www.eaHealth.asia
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
For more
'Frequently
Asked Questions' -Click here 