Social Security Protection (Socso) Provider By SOCIAL SECURITY ORGANISATION (Perkeso) Shared By Malaysia Medical Insurance Organization (MMI)

socso-01

Social Security Protection (Socso)

Provider By

SOCIAL SECURITY ORGANISATION (Perkeso)

Shared By

Malaysia Medical Insurance Organization (MMI)

+603-92863323

EMPLOYMENT INJURY SCHEME BENEFITS

(Updated 25 October 2016)

1) MEDICAL BENEFIT [ + ]

Employees suffering from employment injuries or occupational diseases may receive free medical treatment at SOCSO’s panel clinic or Government clinic / hospital. Treatment must be continued until they are fully recovered.

2) TEMPORARY DISABLEMENT BENEFIT [ + ]

Temporary Disablement Benefit is paid for the period the employee is on medical leave certified by a doctor for not less than four (4) days including the day of accident. However, Temporary Disablement Benefit will NOT be paid for the days for which the employee works and earns wages during this period.

3) PERMANENT DISABLEMENT BENEFIT [ + ]

Permanent Disablement is defined as a permanent disability due employment injury that reduces employees’ ability to perform his duites. The employee can claim this benefit after the last day of temporary disablement.

4) CONSTANCE-ATTENDANCE ALLOWANCE [ + ]

This allowance is paid to an employee who is suffering from total permanent disablement and is so severely incapacitated as to constanly require the personal attendance of another person.

5) FACILITIES FOR PHYSICAL OR VOCATIONAL REHABILITATION [ + ]

Rehabilitation facilities may be provided free of charge by the Organisation to an employee who suffers permanent disablement

6) RETURN TO WORK PROGRAMME [ + ]

SOCSO’s Return to Work (RTW) program was introduced on the 15th of January 2007 for Insured Person suffering from employment injury or claiming to be invalid. The Return to Work program involves a proactive approach taken in helping Insured Person with injuries or diseases, opportunities to safe and productive work activities as soon as it is medically possible or when maximum medical improvement is achieved with a primary focus of minimizing the impact of injuries or disabilities.

7) DEPENDANTS’ BENEFIT [ + ]

If an employee dies as a result of employment injury, his dependants are eligible to this benefit.

8) FUNERAL BENEFIT [ + ]

Funeral Benefit will be paid to the eligible person as prescribed in the Act, if the employee dies due to any cause. In the absence of such person, the benefit will be paid to the person who actually incurs the expenditure.

9) EDUCATION BENEFIT [ + ]

Education Benefit is a SOCSO benefit that can come in the form of education benefits or scholarships to dependent beneficiaries based on PERKESO’s Benefits Schedule and meets the SOCSO’s requirement.

socso 03.jpg

MEDICAL BENEFIT

Employees suffering from employment injuries or occupational diseases may receive free medical treatment at SOCSO’s panel clinic or Government clinic / hospital. Treatment must be continued until they are fully recovered.

For serious injuries, medical care may be obtained from the Government hospital and the employee is eligible for second class ward treatment. Specialist treatment will be provided, if required.

Medical treatment at SOCSO Panel Clinics

To receive free medical treatment, employers must submit the following documents to any SOCSO panel clinics during the first treatment:

Borang Butiran Notis dan Tuntutan Faedah – Form 34

Letter of identity from employer

Letter of identity is prepared by the employer in the instances when Form 34 cannot be completed in time for the employee to receive their first treatment at the SOCSO panel clinics, due to serious or critical injuries. Letter of identity should state:

The patient is an insured person under the employment of the employer

The employee had an accident during the course of work

Form 34 will be presented as soon as possible to the panel clinic.

Reimbursement of Medical Claims

In the case of medical treatments received from non SOCSO’s panel clinics, employees or employers are eligible to make reimbursement of medical claims, subject to such condition as maybe determined by the Organisation.

Claims need to be supported with the following documents:

Claim for medical treatments (Form PKS (P) 24)

Claim for general expenses (Form PKS (P) 26)

Original receipts

A copy of the Appointment Card

A copy of the medical report (if needed)

TEMPORARY DISABLEMENT BENEFIT

Period Of Temporary Disablement

Temporary Disablement Benefit is paid for the period the employee is on medical leave certified by a doctor for not less than four (4) days including the day of accident. However, Temporary Disablement Benefit will NOT be paid for the days in which the employee works and earns wages during this period.

Eligibility

Employee must be an insured person under the Act

Accident that occurs to an employee must arise out of and in the course of employment

A Police report is required if an accident occurs to an employee while commuting for employment purposes

Benefits shall be paid based on the days of medical leave that is certified by a doctor. However temporary disablement benefit will NOT be paid for the days in which the employee work and earn wages during this period.

Rate Of Temporary Disablement Benefit

Payment rate is equivalent to 80% of the assumed average daily wage of the insured person

i. The assumed average daily wage is calculated as one-thirtieth (1/30) of the assumed average monthly wages for the insured person

ii. The assumed average monthly wages is equivalent to the sum of the assumed monthly wages for each of the months for which contributions of the first or second category have been paid or were payable during the continuous period of 6 months immediately preceeding the month in which the employment injury occurred, divided by the number of months for which such contributions were so paid or payable

The daily rate is subject to the following:

i. Minimum of RM30.00 per day (w.e.f. 1 January 2014)

ii. Maximum of RM105.33 per day

Documents To Be Submitted For Claims

‘Borang Butiran Notis dan Tuntutan Faedah’ – Form 34

Photocopy Of Identity Card (both sides)

Original Medical Certificate / Form 13 (Panel Clinic)

Photocopy Of Punch Card / Attendance Record / Employer’s verification letter in the absence of punch card

Letter Of Consent for obtaining medical report from Hospital.

PERMANENT DISABLEMENT BENEFIT

Permanent Disablement is defined as a permanent disability due to employment injury that reduces employee’s ability to perform his duty. The employee can claim this benefit after the last day of temporary disablement.

Determining the Question of Permanent Disablement

Assesment regarding permanent disability of an insured person can only be decided by the following authorities:-

Medical Board

Specialist Medical Board (for Occupational Disease)

Medical Appeal Board (if an Insured Person or SOCSO is not satisfied with the diagnosis made by the medical board

Application to refer to Medical Board

References to the medical board can be made by the following persons:-

Insured Person who have completed their medical leave and is permanently disabled

Employer

Registered Trade Union representative

SOCSO is also allowed to refer insured person to the Medical Board if the medical leave is more than 180 days.

The time limit for any application to refer to the Medical Board is twelve months from the date of:

a. Last date of temporary disability

b. Employment injury if it does not involve any loss of disablement

c. Decision made by the Social Security Appellate Board to accept and allow the temporary disablement claims made subsequent to SOCSO rejecting such claims

References To Appellate Medical Board

Appeals to the Medical Appellate Board must be made within 90 days from the date of assessment by the Medical Board to the insured person.

Assessment And Payment

Claims will be referred to the Medical Board for permanent disability assessment.

1) If the assessment does not exceed 20%

Payment can be made in the form of lump sum.

2) If the assessment exceeds 20%

the employee is given an option to commute 1/5 of daily rate of the benefit into a lump sum payment while the balance will be paid monthly for life.

However, the option of lump sum payment is subjected to the aggregate loss of earning capacity as a replacement to any lump sum payment not exceeding 20%, if claims were previously made by the insured person

Rate Of Payment

1) Daily rate for Permanent Disablement Benefit is based on 90% of assumed average daily wage of the insured person

The assumed average daily wage is calculated as one-thirtieth (1/30) of the assumedaverage monthly wages for the insured person

The assumed average monthly wage is equivalent to the sum of the assumed monthly wages for each of the months for which contributions of the first or second category have been paid or were payable during the continuous period of 6 months immediately preceeding the month in which the employment injury occurred, divided by the number of months for which such contributions were so paid or payable

2) Daily rate of Permanent Disablement Benefit is subject to:

Minimum of RM30.00 per day (w.e.f. 1January 2014)

Maximum RM118.50 per day

How To Claim

Application for permanent disablement benefit must be made in writing through SOCSO office with the following document:

Application letter

Photocopy Of Identification Card

Latest Medical Report

CONSTANT-ATTENDANCE ALLOWANCE

This allowance is paid to an employee who is suffering from total permanent disablement and is so severely incapacitated as to constanly require the personal attendance of another person.

Eligibility

An insured person who is 100% permanently disabled and certified by Medical Board or Special Medical Board or the Appellate Medical Board is eligible for this allowance.

Rate Of Payment

The allowance is equivalent to 40% of the rate of permanent total disablement benefit subject to maximum of RM500 per month (Effective on 1st January 2013, the rate of this allowance is fixed at RM500 per month).

FACILITIES FOR PHYSICAL OR VOCATIONAL REHABILITATION

Rehabilitation facilities may be provided free of charge by the Organisation to an employee who suffers permanent disablement. Amongst the facilities provided are :

1. Physical rehabilitation includes:

Return To Work programme

Occupational therapy

Reconstructive surgery

Artificial limbs and prosthetics

Orthopaedic aids such as wheel chairs, walking stick, hearing aids

Return To Work Programme

Physiotherapy

2. Vocational rehabilitation includes:

Training in selected areas such as electrical wiring, sewing, radio / TV repair, air conditioner and fridge repair, plumbing, stenography , secretarial skills and others.

Return To Work programme

RETURN TO WORK PROGRAMME (RTW)

INTRODUCTION

SOCSO’s Return to Work (RTW) program was introduced on the 15th of January 2007 for Insured Person suffering from employment injury or claiming to be invalid. The Return to Work program involves a proactive approach taken in helping Insured Person with injuries or diseases, opportunities to safe and productive work activities as soon as it is medically possible or when maximum medical improvement is achieved with a primary focus of minimizing the impact of injuries or disabilities.

Return to Work program is a collaborative process that facilitates recommended efficient treatment plans to assure that appropriate medical care is provided to Insured Person with injuries or diseases to ensure an early and safe return to work. The program requires careful planning and coordination with appropriate health care service providers to achieve the rehabilitation goal where the processes involved are facilitated by a case manager who manages the implementation and coordination of the rehabilitation plan with healthcare providers, as well as the clients while promoting cost-effective care.

The implementation of an effective disability management system relies on the partnership involving various stakeholders such as the employers, employees, health care providers, rehabilitation service providers, government agencies, non-government organizations, and various bodies to achieve an effective.

RETURN TO WORK OBJECTIVE

To assist Insured Person with injuries or disease to return to work in a safe and fast manner

To carry out SOCSO’s social responsibility towards employers and employees

To create a positive working environment through communication and support for employees with disabilities

To reduce and minimize the potential of repetitive accidents at the workplace

To reduce disability duration

To increase the productivity of employees with disabilities through total replacement of income

BENEFITS TO EMPLOYER

To reduce the disability duration of Insured Person with injuries or diseases and enable a safe and fast return to work and increasing productivity thereafter

To be able to retain experienced and highly skilled workers at the work place

To reduce training and hiring costs of temporary workers

To optimize the employees’ rehabilitation period so they can return to work faster and increase their productivity

To provide work modification recommendations to accommodate employees with injuries or diseases

BENEFITS TO EMPLOYEES

To provide psychological support through counselling and consultation• To restore employee’s self-confidence by enhancing their physical and mental ability and to prevent low self-esteem caused by the illness or disability

To provide appropriate rehabilitative equipment’s including orthotic, prosthetic, implants and so forth, based on the prescription given by the treating doctors or specialists

Promotes speedy recovery and reduces the impact on the quality of life due to the disability or illness

REFERRAL PROCESS

The first step of the disability management process starts with the referral processes whereby cases will be referred from various sources including SOCSO’s Medical Board / Appealate Board and the Special Appealate Medical Board, doctors and employers following which these cases will be screened by the case managers if the following criterias are met:

Insured Person with employment injury and is receiving temporary disablement benefits

Insured Personwho has applied for permanent disablement benefits and has been referred for the Return to Work

Program by the medical board

Insured Person aged below 50 and has been certified not invalid and has been referred for the Return to Work

Program by the medical board

Insured Person aged below 40 who has been certified invalid but is still interested to return to work

DEPENDANTS’ BENEFIT

If an employee dies as a result of employment injury, his dependants are eligible to this benefit.

Eligibility

Employees must be an insured person under the Act

Death that occurs to an employee must arise out of and in the course of employment

Dependants as prescribed under the Act as stated below:-

Widow Or Widower, child;

If there are no widow or widower, child

a. Brothers or sisters

b. Parents

c. Grand Parents (in the case of the insured person’s parents are deceased)

Note :

Child in this context refers to a child who is aged less than 21 years of age at the time of death of the insured person (exception for a child who is mentally retarted or physically incapacitated and is incapable of supporting himself), inclusive of:

Biological child

Step child under the care of the Insured Person

Legally adopted child of the Insured Person

Biological child out of wedlock

Brothers or sisters are defined as biological brothers or sisters aged less than 21 years of age at the time of death of the insured person.

Rate Of Payment

Daily rate for Dependants Benefit is based on 90% of assumed average daily wage of the insured person

The assumed average daily wage is calculated as one-thirtieth (1/30) of the assumed average monthly wages for the insured person

The assumed average monthly wage is equivalent to the sum of the assumed monthly wages for each of the months for which contributions of the first or second category have been paid or were payable during the continuous period of 6 months immediately preceeding the month in which the death occurred, divided by the number of months for which such contributions were so paid or payable

Daily rate of Dependants Benefit is subject to :-

a ) Minimum of RM30.00 per day (w.e.f. 1 January 2014)

b ) Maximum of RM118.50 per day (w.e.f 1 June 2016)

Dependants And Daily Rate

The daily rates for dependants’ benefit is based on the following priorities:-

Please refer as below

http://www.perkeso.gov.my/en/dependant-s-benefit.html

Documents To Be Submitted For Claims

Applicants or parties claiming on behalf of the dependant must produce the following documents:

Borang Butiran Notis dan Tuntutan Faedah – Borang 34

Insured Person’s Death Certificate

A copy of the Insured Person’s Identification Card

Others document :

a. In the case of widow, widower or child, applicants or representatives claiming on behalf of the dependant must produce the following documents :

Marriage Registration or Solemnising Certificate (Sijil Nikah)

A copy of the widow or widower’s Identification Card

A copy of the child’s birth certificate for those below the age of 21

A copy of the applicants or parties claiming on behalf of the dependant’s bank account passbook

In the case of parents, sibling or grand parents, applicants or representatives claiming on behalf of the dependant must produce the following documents:

A copy of the Insured Person’s birth certificate

A copy of the parent’s Identification Card

A copy of the sibling’s birth certificate for those below the age of 21

A copy of the applicants or representatives claiming on behalf of the dependant’s bank account passbook

FUNERAL BENEFIT

Funeral Benefit will be paid to the eligible person as prescribed in the Act, if the employee dies as a result of employment injury or while he/she is in receipt of disablement benefit. In the absence of such person, the benefit will be paid to the person who actually incurs the expenditure. The amount paid will be the actual amount incurred or RM1,500 whichever is lower.

Funeral Benefit will be paid out to the following, based on priority:

i. widow (if there are more than one widow, the benefitt will be equally shared amongst the widows)

ii. widower

iii. eldest son

iv. eldest daughter

v. parents ( if both parents are still alive, the benefit will be equally shared )

In the case that there are no one eligible based on the above criteria, the benefit will be extended to the party that incurred the funeral arrangement of the Insured Person. However, the amount will be limited to RM1,500.00 and based on actual cost incurred, and supported with receipts as proof.

Documents To Be Submitted For Claims

Claimant must submit the following documents:

Borang Butiran Notis dan Notis Tuntutan Faedah – Borang 34

A copy of the funeral permit / Death Certificate

A copy of the Insured Person’s Identification Card

A copy of the claimant’s Identification Card

EDUCATION BENEFIT

Education Benefit is a SOCSO benefit that can come in the form of education benefits or scholarships to dependent beneficiaries based on PERKESO’s Benefits Schedule and meets the following requirement to qualify:

A. APPLICANT REQUIREMENTS TO QUALIFY [ + ]

B. EDUCATION BENEFIT FUNDING DETAILS [ + ]

C. HOW TO APPLY EDUCATION LOAN [ + ]

D. EDUCATION LOAN ALLOCATION [ + ]

E. EDUCATION BENEFIT AGREEMENT DOCUMENTS [ + ]

F. LOAN DISBURSEMENT METHODS [ + ]

G. EDUCATION LOAN REPAYMENT INSTALLMENT [ + ]

H. CHANNELS TO PAY THE EDUCATION BENEFIT [ + ]

Service Charge SOCSO Education Loan

Effective 1st January 2013, service charge education loan for all borrowers who received education loan offered before 1st January 2009 has been reduced from 4% to 2%.

Meanwhile, for new borrowers who received education loan offered after 1st January 2009, services charged still remain at 2%.

For more information, please logo on link as below

http://www.perkeso.gov.my/en/social-security-protection/benefits-under-the-schemes/employment-injury-scheme.html

http://www.perkeso.gov.my/

The official Website of

SOCIAL SECURITY ORGANISATION

“Sikap Terbuka Layanan Mesra”

Customer Service : 1-300-22-8000

General Line : 03 – 4264 5000

Fax : 03 – 4256 7798

E-mail : perkeso@perkeso.gov.my

Shared By Malaysia Medical Insurance Organization (MMI)

socso-02

Ad Sharing

Your Trusted Malaysia Medical Insurance Risk Management Advisory Provider.

Malaysia Medical Insurance Organization (MMI)

Head Office,

158-3-7, BLOK 158, KOMPLEKS MALURI,

JALAN JEJAKA, TAMAN MALURI,CHERAS,

55100 KUALA LUMPUR, MALAYSIA.

MMI careline +603-92863323

mmicare@medicalinsurance.com.my

www.medicalinsurance.com.my

Group Hospitalisation And Surgical Fees & Group Employees Medical Insurance Policy

Arranged by

Malaysia Medical Insurance Organization (MMI)

www.medicalinsurance.com.my

mmicare@medicalinsurance.com.my

+603-92863323

Group Hospitalisation And Surgical Fees & Group Employees Medical Insurance

Group Hospital & Surgical Insurance

– No Co Insurance

– Guarantee Renewal up to Age 100

– High Lifetime Limit up to RM 10,000,000

– 24 Hours Worldwide Coverage

– Hassle Free Cash Less Hospital Admission

– High Coverage As Charged or Full Reimbursement

– Hospital Supplies & Services

– Physician Fees & Specialist Visit Fees

– Surgical Fees / Anaesthetist Fees

– Operating Theatre

– Intensive Care Unit (ICU)

– Pre-Hospital Diagnostic Tests

– Pre-Hospital Specialist Consultation

– Post Hospitalisation Treatment

– Ambulance Fees

– Prescription Drugs

– Out Patient Accidental Treatment & Pysiotheropy Treatment

– Nursing, Theatre Consumables & Other Ancillary Charges

– Insured Child’s Daily Guardian Benefits

– Out Patient Kidney Dialysis Treatment

– Out Patient Cancer Treatment

– Home Nursing Care

– Take Over Policy for Waiver of Waiting Period, Pre-Existing Illness & Specified Illness

– International Emergency Medical Assistance Services

– Comprehensive Coverage & Complete Medical Care Benefits

– Inpatient & Day Surgery

acpg100fb_mmirisk-mmi-organization

Malaysia Medical Insurance Organisation

acpg100Fb_mmiRisk

MALAYSIA MEDICAL INSURANCE ORGANIZATION (MMI)

158-3-7, BLOK 158, 3RD FLOOR, KOMPLEKS MALURI,

JALAN JEJAKA, TAMAN MALURI, CHERAS,

55100 KUALA LUMPUR, MALAYSIA.

+603-9286 3323

enquiry@medicalinsurance.com.my

www.medicalinsurance.com.my

Introducing Malaysia Medical Insurance Organization (MMI) …………………

During these solid 23 years of “hard ground” experiences, we “MMI” have developed wide range of Malaysia Medical and Health Insurance product suits for Malaysian.

These solid years of experience has earned MMI a reputation of ” THE LARGEST MALAYSIA MEDICAL AND HEALTH INSURANCE ORGANIZATION”.

MMI have many successful medical and health insurance schemes with proven track record and in the process of arrange many more new medical and health insurance products.

MMI have a team of young, trusted, experienced, qualified and dynamic team in nationwide and are prepared to take upon any new challenges with the ever changing landscape of the medical and health insurance industries.

MMI provided medical and health insurance professional training course and having experienced help desk support officer, friendly customer services officer and prompt service claim support officer at MMI head office and nationwide.

MMI registered associate members have at least have more than five years experience in medical and health insurance policy. And they have acquired medical insurance knowledge at leading insurance companies. In fact, most of them are attached to prestigious insurance companies in Malaysia.

In addition, MMI registered associate members have a proven track record of servicing more than 100,0000 clients or policy holders in Malaysia Medical and Health Insurance coverage since year 1989.

MMI have more than 300 registered associate members at Nationwide is your Trusted and Experienced Medical Insurance senior advisers.

web720Vid1-1groupHospital

Our vision, Mission, Guiding Principles, Core Values & Service Intent Statement

OUR PURPOSE

Our clients come to meet us with their insurance needs. We will fulfill these needs by designing and delivering sound professional advice and provide practical solutions. They can expect superior value and quality services at all times.

We seek to build and treasure viable long-term relationships with all our clients. If we cannot meet their needs, we will explain why, offer alternatives and work to assure them that we have tried our best.

OUR PHILOSOPHY

We seek to build and have people who are adaptable, balanced, and competent. Just as we value strong and sustainable partnerships with our clients, so it is with our staff and our business associates.

To achieve the sales target and become the Most Knowledgeable and Respectable Insurance intermediary by providing the best coverage to suit our clients need and to provide them sound professional advice before policy inception until claim settlement.

To be the most Organized and Respectable Insurance Intermediary in this region. The Niche market player with “MALAYSIA MEDICAL INSURANCE SOLUTION SERVICES “. Our service standard are beyond comparison and contract.

OUR VISION

M – Moving one step ahead and always deliver what we promised.

M – Managed and committed deliver service.

I – Innovative, Professional knowledge and committed to our clients.

MISSION STATEMENT

Together, we are committed.

To serve our customers as a dedicated and responsible medical insurance advisor and medical insurance solutions provider.

To provide our employees with a dynamic work environment that will challenge, motivate and reward them.

In all our journey to excellent, we aspire to set legend in the Malaysia medical insurance industry.

Your Risk, We Advise

Your Claim, We Manage

Your Problem, We Solve

GUIDING PRINCIPLE

Long term benefits should not be sacrificed for short term gains.

VALUES

1. Integrity

2. Being Professional

3. Confront Problems Immediately

4. Pay Attention To Details To Achieve Perfection

5. Be Bold

– Hiring Process

– Product Development

– People Development

web720Vid1-1criticala

MMI Provided an Insurance Solution Services for Malaysia Medical and Health Insurance Coverage plan or policy as below :

Medical Insurance coverage,

Health Insurance,

Medical Care Insurance,

Medical Card Admission Benefits insurance,

Hospitalization Insurance,

Surgical fees and Anesthetist fees Insurance coverage,

Specialist Consultant, Surgeon and Physician expenses Insurance coverage,

Accident Income Insurance,

Accident Disablement Insurance,

Accident Medical Expenses Insurance Accidental Insurance,

Traveling Medical Expenses Coverage Insurance,

Traveling Accident Expenses Coverage Insurance,

Disablement Insurance coverage,

Dread Disease Insurance coverage,

Above mention medical and health insurance coverage plan or policy is commonly known, is the most basic form of protection for individual or group workers or employees benefits. It prevents you and your family from having to pay for expensive hospital procedures should an accident, illness or disability occur in Malaysia or oversea when you and traveling.

Underwritten by Malaysia Insurance company

MMI Corp Video V106

MALAYSIA MEDICAL INSURANCE ORGANIZATION (MMI)

OFFICE LOCATED AT

158-3-7, BLOK 158, 3RD FLOOR, KOMPLEKS MALURI,

JALAN JEJAKA, TAMAN MALURI, CHERAS,

55100 KUALA LUMPUR, MALAYSIA.

OFFICE CONTACT

+603-9286 3323

EMAIL ADDRESS

enquiry@medicalinsurance.com.my

HOMEPAGE

www.medicalinsurance.com.my

MMI-profile P1 130913

MMI-profile p2 130913

MMI-profile p3 130913.jpg

 

Malaysia Medical Insurance Organization (MMI)

Malaysia Medical Insurance Organization (MMI)
Your Trusted Malaysia Medical Insurance Advisory Organization

MMI careline : +603-92863323

mmicare@medicalinsurance.com.my

MMI Medical Insurance Video Pic VR50101

Medical Insurance and Life Protection Insurance Planning and Risk Management Advisory

With Medical and Life protection insurance planning, the first question is always, “How much is enough?” Whether  you need medical and life insurance at all and, if you do, the best amount of medical and life insurance  coverage needed depends on your particular circumstances.

Many people start thinking about medical & life insurance when they marry and have children. But,  even if you aren’t married, you may have someone else, such as a parent or  sibling, who depends on you for financial support. The longer your dependents  need support the greater your need for coverage.

Our MMI senior advisors will help you figure out how much additional medical and life insurance coverage you need,  if any. If you discover you need additional medical and life insurance coverage and you are still  relatively young, term life insurance is generally the least expensive way to go  because it provides “pure coverage”; you build no cash value in the policy.  (Note that the cost of term insurance goes up as you grow older.) Term insurance  provides protection for a specific number of years, with the death benefit paid  to your beneficiaries if you die during the policy’s term. When the term ends,  so does your coverage, unless you renew the policy.

On the other hand, whole life policies and investment-linked life insurance provide protection  over your entire life. For younger people, whole life insurance is more  expensive than term. But the premiums generally are fixed, so as the years go  by, it can become less expensive. Cash values and interest accumulate in these  policies are tax-deferred, and you can borrow from the cash  value.

Disability Protection and Personal  Accident Insurance

Like life insurance planning, disability  insurance planning is based on your particular needs, circumstances, and  resources. In addition, you may want to include long-term care insurance in your  financial plan to help preserve your assets for your family in the event you  suffer a prolonged illness. Don’t forget about personal accident (PA) insurance too.

Health Insurance and Medical  Card

Also consider healthcare provisions for  medical treatment. A medical card can help  protect you against the costly medical expenses and ensures comprehensive  coverage in medical, surgical and hospital costs, ambulance fees and other  related medical charges.

MMI Medical Insurance Video Pic VR50102

Care your family? How to protect your family and your health from illness and unexpected accident? Protect your business and employees from sickness, injury and loss of income? Having unprotected health and insecure future is frightening, however  it is possible to protect your health and future income with a good  medical and health insurance policy in Malaysia.
Type of Medical and Health Insurance provided by Malaysia Insurance Company
Medical  Insurance, Health Insurance, Medical Care Insurance, Medical Card  Admission Benefits insurance, Hospitalisation Insurance, Surgical fees and Anesthetist fees Insurance coverage, Specialist Consultant, Surgeon and Physician expenses Insurance coverage, Accident Income Insurance, Accident Disablement Insurance, Accident Medical Expenses Insurance Accidental Insurance,  Traveling Medical Expenses Coverage Insurance, Traveling Accident Expenses Coverage  Insurance, Disablement Insurance or Dread Disease Insurance as it is  commonly known, is the most basic form of protection for individual or Group or Employees Benefits. It prevents you  and your family from having to pay for expensive hospital procedures  should an accident, illness or disability occur in Malaysia or oversea  when you and  traveling.
Getting A Malaysia Medical Insurance Policy Can Be Affordable Easy Or Extremely Expensive………..
Getting a suitable medical insurance policy is not an easy task as it requires knowing the various medical insurance coverage and medical insurance policies available.
Picking up an unsuitable medical insurance policy arranged by inexperience insurance agents can be very expensive and leave you uncomfortable. That is why selecting a good insurance agent is SO IMPORTANT.
With an experience  and knowledgeable medical insurance senior advisor from MMI, who can  assist you the right, affordable and comfortable Malaysia Medical and  Health Insurance policy, you can have comprehensive and suitable medical and health insurance protection for yourself, your family, your income  or your business.
Where Are The Trusted and Experiences Medical Insurance Senior Advisor?
MMI management teams have more than 23 years of “hard ground” experiences in medical and health insurance industry.
MMI Corp Video V104

During these solid 23 years of “hard ground” experiences, we “MMI” have developed wide range  of Malaysia Medical and Health Insurance product suits for Malaysian.
These solid years of experience has earned MMI a reputation of  ” THE  LARGEST MALAYSIA MEDICAL AND HEALTH INSURANCE ADVISORY ORGANISATION”. MMI have many successful medical and health insurance schemes with  proven track record and in the process of arrange many more new medical  and health insurance products.

MMI have a team  of young, trusted, experience, qualified and dynamic team in nationwide and are prepared to take upon any new challenges with the ever changing landscape of the medical and health insurance industries.
MMI provided medical and health insurance professional training course and having experienced help desk support officer, friendly customer  services officer and prompt service claim support officer at MMI head  office and nationwide.
MMI registered associate members have at least have more than five years experience in  medical and health insurance policy. And they have acquired medical  insurance knowledge at leading insurance companies. In fact, most of  them are attached to prestigious insurance companies in Malaysia.
In addition, MMI registered associate members have a proven track record of servicing more than 100,0000 clients  or policy holders in Malaysia Medical and Health Insurance coverage  since year 1989.

MMI have more than 300 registered associate members at Nationwide is your Trusted and Experienced Medical Insurance senior advisors.

The Quick And Easy Way To Find An Trusted and Experienced And Responsible Medical Insurance senior advisor In Malaysia. Only at Malaysia Medical Insurance Organisation (MMI)………….
Information To Find Your Ideal Medical and Health Insurance senior advisor:
1) Expectation Of The Customer (You and Your Family)
To quickly find the most suitable medical and health insurance policy that is suitable and affordable based on your age, needs expectation, income and health profile? Every customer has different expectations and MMI senior advisor will recommend the most suitable medical and health insurance policy that can meet or even exceed your expectations.
2) Medical Insurance Upgrade Or Purchase
Do not have a medical insurance policy yet? You can contact MMI Head Office at no cost to you. Or even upgrade your current medical and health insurance policy to add more coverage for better peace of mind.
MMI “Providing the care you deserve”
MMI are the Best “Medical Insurance Organisation” In Malaysia……
Travel to the future confidently, rest the uncertainties on the shoulders of the insurance companies and start living passionately. There is an electrifying confidence after you are properly protected…
After the insurance policy, you and your family will enjoy life and have a peace of mind and stop worrying about “what if illness or bad accidents happen…”. Live life to the full! Yes, you can buy peace of mind…!
MMI believe in a long term relationship with our customers. Every customer matters and we continue to guarantee your satisfaction after every confirmed sale.
MMI Medical Insurance Video Pic VR50103
About Us…………
Introducing Malaysia Medical Insurance Organisation (MMI) …………………

During these solid 23 years of “hard ground” experiences, we “MMI” have developed wide range of Malaysia Medical and Health Insurance product suits for Malaysian.
These solid years of experience has earned MMI a reputation of  ” THE LARGEST MALAYSIA MEDICAL AND HEALTH INSURANCE ORGANISATION”. MMI have many successful medical and health insurance schemes with proven track record and in the process of arrange many more new medical and health insurance products.

MMI have a team of young, trusted, experienced, qualified and dynamic team in nationwide and are prepared to take upon any new challenges with the ever changing landscape of the medical and health insurance industries.
MMI provided medical and health insurance professional training course and having experienced help desk support officer, friendly customer  services officer and prompt service claim support officer at MMI head  office and nationwide.
MMI registered associate members have at least have more than five years experience in  medical and health insurance policy. And they have acquired medical  insurance knowledge at leading insurance companies. In fact, most of  them are attached to prestigious insurance companies in Malaysia.
In addition, MMI registered associate members have a proven track record of servicing more than 100,0000 clients  or policy holders in Malaysia Medical and Health Insurance coverage  since year 1989.

MMI have more than 300 registered associate members at Nationwide is your Trusted and Experienced Medical Insurance senior advisors.

Our vision, Mission, Guiding Principles, Core Values & Service Intent Statement
OUR PURPOSE
Our clients come to meet us with their insurance needs. We will fulfill these needs by designing and delivering sound professional advice and provide practical solutions.

They can expect superior value and quality services at all times.
We seek to build and treasure viable long-term relationships with all our clients. If we cannot meet their needs, we will explain why, offer alternatives and work to assure them that we have tried our best.
OUR PHILOSOPHY
We seek to build and have people who are adaptable, balanced, and competent. Just as we value strong and sustainable partnerships with our clients, so it is with our staff and our business associates.

To achieve the sales target and become the Most Knowledgeable and Respectable Insurance intermediary by providing the best coverage to suit our clients need and to provide them sound professional advice before policy inception until claim settlement.
To be the most Organized and Respectable Insurance Intermediary in this region.

The Niche market player with “MALAYSIA MEDICAL INSURANCE SOLUTION SERVICES “. Our service standard are beyond comparison and contract.
OUR VISION
M –  Moving one step ahead and always deliver what we promised.

M –  Managed and committed deliver service.

I  –  Innovative, Professional knowledge and committed to our clients.

MISSION STATEMENT

Together, we are committed.

To serve our customers as a dedicated and responsible medical insurance advisor and medical insurance solutions provider.

To provide our employees with a dynamic work environment that will challenge, motivate and reward them.
In all our journey to excellent, we aspire to set legend in the Malaysia medical insurance industry.
Your Risk, We Advise
Your Claim, We Manage
Your Problem, We Solve
GUIDING PRINCIPLE
Long term benefits should not be sacrificed for short term gains.
VALUES
1. Integrity   2. Being Professional   3. Confront Problems Immediately   4. Pay Attention To Details To Achieve Perfection   5. Be Bold    – Hiring Process    – Product Development    – People Development

MMI Medical Insurance Video Pic VR50106
MMI Provided an Insurance Solution Services for Malaysia Medical and Health Insurance Coverage plan or policy as below :
Medical  Insurance coverage,
Health Insurance,
Medical Care Insurance,
Medical Card  Admission Benefits insurance,
Hospitalisation Insurance,
Surgical fees and Anesthetist fees Insurance coverage,
Specialist Consultant, Surgeon and Physician expenses Insurance coverage,
Accident Income Insurance,
Accident Disablement Insurance,
Accident Medical Expenses Insurance  Accidental Insurance,
Traveling Medical Expenses Coverage Insurance,
Traveling Accident  Expenses Coverage  Insurance,
Disablement Insurance coverage,
Dread Disease Insurance coverage,
Above mention medical and health insurance coverage plan or policy is  commonly known, is the most basic form of protection for individual or group workers or employees benefits. It prevents you  and your family from having to pay for expensive hospital procedures  should an accident, illness or disability occur in Malaysia or oversea  when you and  traveling.
Underwritten by Malaysia Insurance company
MMI Corp Video V133

CLAIMS ADVICE AND ASSISTANT PROGRAM
Introduction
“MMI” CLAIMS ADVISORY UNIT (MMI-CAU) 索赔咨询单位
The “MMI” CLAIMS ADVISORY UNIT (MMI-CAU) was formed in the year 2010 order to assist “MMI” Insured/Client in their claims matters which scope encompasses the dispensing of advise on insurance and legal related matters, submission of documents to the Insurers and acting as an intermediary between the Insured and Insurer. The main task of CAU is to ensure that both the Insurer and Insured are given the best service by providing the best solution to matters pertaining to claims.
“MMI-CAU” is headed by “MMI” CEO Mr Anthony Chin and assisted by Ms. Anna Sim. “MMI-CAU” handles claims pertaining to several classes which are individually handled by specific, designated persons.
“MMI” Claim Unit team members lead by Ms Veronica Yap will handles claims with regards to the Individual and Group Hospitalisation & Surgical Insurance Schemes.

The primary task of “MMI-CAU” is to maintain efficiency and an optimum service standard in the process of claims handling. Procedures are to be strictly adhered to in order to ensure that deadlines are met particularly in relation to Insurers who are compelled to conform with ISO standards. It is the responsibility of “MMI-CAU” to ensure that the Insured parties are regularly updated on the claims status in order to keep them informed on the progress of their claims.

There is currently in place, a proper reporting system to the Insured parties, the Insurer as well as the Management team. This system has been designed with the purpose of creating a more pro-active working environment. With this system in place, it enables the Insured parties as well as the Insurers to be handled in a professional manner whilst simultaneously maintaining a cordial relationship with both parties.

“MMI-CAU” is geared towards providing the best claims services to both the Insured as well as the Insurer. The objective of “ACPG-CAU” is to ensure that both the Insurer as well as the Insured are satisfied with the decision pertaining to the claim. Hence, under the circumstances, regardless of whether or not claims are settled, it is always necessary to provide a proper explanation which is substantiated and justified with facts in order to avoid any uncertainty, disputes and challenges pertaining to the same.
The mission of “MMI-CAU” is to be the ” ‘Most Efficient, Effective and Reliable Department for Insurance Claims’.
The vision of “MMI-CAU” is to be the ‘Solution Provider for All Types of Insurance Claims’.

 

 

MMI Corp Video V138

“MMI CAU” 12 points Claims Service Standard (CSS)
01) Pay immediate attention to a loss. 02) Documentation & Standardize claims procedure. 03) Priority of claims (Not applicable for non liability claims) 04) Policy advise, condition & coverage (coordination). 05) Coordination with property & liability (if any) surveyor. 06) Insurer’s Interest 07) Our Company Interest e.g. additional premium, reinstate of loss, additional premium for under insurance. 08) Pay attention to customer’s opinion / view and to provide claims advise. 09) Future business (assistance case) 10) Claims status and immediate response to status of loss, withdrawal. 11) Claims analysis during renewal (loss ratio) 12) Our customer’s satisfaction.
“MMI” Claim Unit Helpline
“MMI” Claim Careline (office hours): + 603   – 9286 3323.
“MMI” 24 hours Claim Notification on
SMS, Whatsapps, Wechat,Viber, Line : + 6011 – 1223 9838
“MMI” Claim Fax services (office hours) : + 603   – 9282 3232
“MMI” Claim Email Support / enquiry / claim notification :
claim@medicalinsurance.com.my
“MMI” Claim Skype Account : medicalinsurance.my (during office hours).
“MMI” Office Hours, Monday to Friday 9.00am until 5.30pm.

MMI Corp Video V123
Why You should registered as MMI Associate Member?
Who is MMI ?
MMI is Your Trusted, Experience and The Largest Medical and Health Insurance Solution Provider in Malaysia since year 1989.
MMI management teams have more than 23 years of “hard ground” experiences in medical and health insurance industry since year 1989.

During these solid 23 years of “hard ground” experiences, we “MMI” have developed wide range  of Malaysia Medical and Health Insurance product suits for Malaysian.
These solid years of experience has earned MMI a reputation of  ” THE  LARGEST MALAYSIA MEDICAL INSURANCE ORGANISATION”.

Malaysia Risk Management Insurance Solution Service Provider

Malaysia Largest Insurance Solution Service provider IVR3001

 

ACPG Management Sdn Bhd

Your Experience Insurance Risk Management and Solution Service Provider since year 1989 and Head Office Located at Kuala Lumpur Malaysia .

For more details of Malaysia Insurance package and risk management services www.acpgconsultant.com and contact our ACPG careline +603-92863323.

Click Here For Insurance Quote Enquiry Form Submission

 

ACPG Management Sdn Bhd

What We Can Do…..

One of the reasons we at ACPG Management Sdn Bhd, are one of the top Property and Casualty Insurance Agency in the Kuala Lumpur Malaysia market, is due to the quality and variety of insurance solution and consultancy services we provide. Be it automotive insurance, fire insurance, all others type classes of life and general insurance, consequential loss insurance, insurance of precious possessions or what have you, you can rest assured that we provide nothing less than what are stated below, which makes us an insurance agency that is truly “Almost with No Comparison”, and we do not make such claims lightly.

With 27 years since year 1989 in the insurance Malaysia market we can

Give our Expert Opinion On Your Risks.

How To Handle The Risks.

Provide The Best Insurance Solutions.

Provide Competitive Premium.

Handle Insurance Claims With Comprehensive Homework.

Work Closely with Insurance Adjusters, Insurer Claim Officers and Policy Holders.

Assisted Claims

By its very nature, a claim is made at a difficult and stressful time. You may need to make a claim because you have been burgled, there has been a fire or flood or worse and your business may be forced to stop operating. In such a situation, you need a settlement and fast.

Most insurance companies are well aware of this and if you are making a claim directly to an insurance company or through an unqualified agent and without any professional help, you may find the small print in your policy is not what you expected or the settlement amount is not enough.

When you have to make a claim, the insurance company will send out a loss adjustor to assess the damage. It is important to understand that the loss adjustor works for the Insurance company and not you so they will put the interests of the insurance company first.

If you are one of our clients, we will represent your interests when the loss adjustor visits the scene and in any discussions or negotiations to ensure you get the best possible settlement.

If you would like to meet for an informal consultation about your insurance needs and how we can place your coverage at exceptional rates, please do not hesitate to contact us.

Risk Management

Risk is when there’s an uncertainty about whether an event will or will not occur. Thus, risk management is the process of identifying exposures to risk, choosing the best method for handling each exposure and implementing it.

Insurance refers to a contract that reduces risk of loss and requires one party to pay a specified sum to another if a previously identified event occurs. Thus, insurance planning is the process of handling and safeguarding against future risk of loss and ensuring sufficient compensation is provided.

Risk Management Technique

When it comes to risk management, there are 4 basic methods :

Risk Avoidance

To avoid engaging in an activity or owning property that might lead to an exposure of risk.

Risk Assumption

To recognize risk and accept it as part of its activities.

Risk Transfer

To transfer risk to another party.

Risk Reduction

To take steps to reduce the uncertainty of loss.

 

 

Malaysia General Insurance Services
Arranged by
ACPG MANAGEMENT SDN BHD
Your Experienced and Trusted
Malaysia Risk Management Insurance Solution Service Provider since year 1989.
ACPG careline : +603-9286 3323,
enquiry@acpgconsultant.com,
www.acpgconsultant.com

Facebook Business page  www.facebook.com/acpg.management