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/ medical card insurance plans in
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Guide to Hospitalisation and Surgical Insurance in Malaysia
What is Hospitalization & Surgical (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
Frequently Asked Questions (FAQ)
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/ medical card insurance plans in
Malaysia, please log on to
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How to Select Hospitalization & Surgical (H&S) Insurance in Malaysia
(also known as Medical & Health Insurance or Medical Card Insurance in Malaysia)
General Exclusions
Hospitalization & Surgical (H&S) insurance in Malaysia does not cover the following
occurrences:
1) Pre-existing illness / conditions
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:-
a) you had received or is receiving treatment;
b) medical advice, diagnosis, care or treatment has been
recommended to you;
c) clear and distinct symptoms are or were evident; or
d) its existence would have been apparent to a reasonable person
in the circumstances.
2) Specified illness occurring during the first 120 days of continuous coverage.
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
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.
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Malaysia, please log on to
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3) Any medical or physical conditions arising within the first 30 days of the cover or date of reinstatement, whichever is latest except for accidental injuries.
4) Plastic/Cosmetic surgery, circumcision, eye-examination, glasses and refraction or surgical correction of nearsightedness (Radial Keratotomy or Lasik) and the use or acquisition of external prosthetic appliances or devices such as artificial limbs, hearing aids, implanted pacemakers and prescription thereof.
5) Dental conditions including dental treatment or oral surgery except as necessitated by accidental injuries to sound natural teeth occurring wholly during the Period of Insurance.
6) Private nursing, rest cure or sanitaria care, illegal drugs, intoxication, sterilisation, venereal disease and its sequelae, AIDS (Acquired Immune Deficiency Syndrome) or ARC (AIDS Related Complex) and HIV related diseases, and any communicable diseases requiring quarantine by law.
7) Any treatment or surgical operation for congenital abnormalities or deformities including hereditary conditions.
8) Pregnancy, child birth (including surgical delivery), miscarriage, abortion and prenatal or postnatal care and surgical, mechanical or chemical contraceptive methods of birth control or treatment pertaining to infertility.
Erectile dysfunction and tests or treatment related to impotence or sterilisation.
9) Hospitalisation primarily for investigatory purposes, diagnosis, X-ray examinations, general physical or medical examinations, not incidental to treatment or diagnosis of a covered disability or any treatment which is not Medically Necessary and any preventive treatment, preventive medicine or examination carried out by a Physician, and treatments specifically for weight reduction or gain.
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
10) Suicide or attempted suicide or intentionally self-inflicted injury while sane or insane.
11) War or any act of war, declared or undeclared, criminal or terrorist activities, active duty in any armed forces, direct participation in strikes, riots and civil commotion or insurrection.
12) Ionising radiation or contamination by radioactivity from any nuclear fuel or nuclear waste from process of nuclear fission or from any nuclear weapons material.
13) Expenses incurred for donation of any body organ and cost of acquisition of the organ including all costs incurred by the donor during organ transplant and its complications.
14) Investigation and treatment of sleep and snoring disorders, hormone replacement therapy and alternative therapy such as treatment, medical service or supplies, including but not limited to chiropractic services, acupuncture, acupressure, reflexology, bone setting, herbalist treatment, massage or aroma therapy or other alternative treatment.
15) Care or treatment for which payment is not required or to the extent which is payable by any other insurance or indemnity covering the Insured and Disabilities arising out of duties of employment or profession that is covered under a Workman’s Compensation Insurance Contract.
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16) Psychotic, mental or nervous disorders, (including any neuroses and their physiological or psychosomatic manifestations).
17) Costs/expenses of services of a non-medical nature, such as television, telephones, telex services, radios or similar facilities, admission kit/pack and other ineligible non-medical items.
18) Sickness or Injury arising from racing of any kind (except foot racing), hazardous sports such as but not limited to skydiving, water skiing, underwater activities requiring breathing apparatus, winter sports, professional sports and illegal activities.
19) Private flying other than as a fare-paying passenger in any commercial scheduled airlines licensed to carry passengers over established routes.
20) Expenses incurred for sex changes.
The precise benefits, terms and conditions and other details are available in the Policy Contract.
To compare H&S insurance plans
/ medical card insurance plans in
Malaysia, please log on to
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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