医药卡的秘密,你真的了解医药卡吗?分享来自 马来西亚医疗保险机构 (MMI)

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医药卡的秘密,你真的了解医药卡吗?

分享来自

马来西亚医疗保险机构 (MMI) 

马来西亚值得信赖,经验丰富及规模最大的医疗和健康保险业务方案服务提供组织

Malaysia Medical Insurance Organization (MMI)

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

在疾病年轻化,医疗费越见高昂的现代社会,没有一张医药保险(俗称医药卡)傍身的人少之又少。

投保前问清楚讲明白

(一)保障范围投保前应了解什么事项和疾病受保什么不受保,例如滥用毒品、爱滋病、战争都不受保,以乳癌为例,若属原位癌(零期未扩散),传统医药卡不理赔,但新款医药卡和疾病险却纳入受保范围,以保诚为例,尽管原位乳癌不属36种严重疾病险的受保范围,但女性保单则理赔。

保险公司只为突发疾病提供保障,一些非必要支出如astro费、报纸、医院迎宾小礼物、女佣在医院里的床位,以“检查为目的”的健康检查(例如头痛进院检查时,叫医生“顺便”从头到脚检查一遍),保险公司不负责买单。尽管了解这些细节并非易事,但鼓励保客事前问清楚,就诊前也应向医生确认,以后日后引发争执和投诉。

(二)有关医药卡是否医药费分摊这是指保客必须和保险公司分担一小部分的住院与医药费用:大多数医药卡都明订Co-Insurance条例,即保客负责分担10%的住院费用,或最少需分担300令吉,最高1000令吉的医药费,余下的住院与医药费才由保险公司承担。

(三)等待期限的长短等待期限依保单和保客情况从30天至120天不等。除了突发意外事件不受约束,一般疾病通常须过了等待期限,才能向保险公司索赔,此举是为了避免消费人在已患病或健康亮红灯情况下,先行投保才就医。此外,投保前已有病例条例则阐明,不为原已存在的病况提供保障。

对医卡错误观念

(一)公司为我投保,省下一笔。

大部分企业都会为雇员投保,有些雇员就想:“既然公司为我投保,能省则省,我不用买。”其实,不论公司是否提供这项福利,消费人都应自掏腰包买一张医药卡。

即使已结婚都有可能离婚,更何况是离职或者辞职?当雇员因故无法为公司效力或离职,便失去医药保障。

因为保险保的是某某公司雇员,当你已经不是某某公司雇员,谁来帮你出医药费?这时才想要买医药卡?对不起,你已患病在身(尤其患上癌症),成为保险公司的拒绝往来户,侥幸受保也必须缴付额外费用。

再者,公司可能因故暂时停止缴费(没有告知员工),员工却在这期间发生事故,后果可想而知。

(二)指定医院和付费

许多保客以为只有到指定医院就诊,保险公司才会给付,事实却非如此。不管是指定或非指定医院,保险公司都会负责,差别在于(1)到指定医院可免付费就诊,(2)到非指定医院,保客须代垫医药费,再向保险公司索费。

(三)钱丢进大海

保客总有“买医药卡没有做索偿,等同于把钱丢进大海”的心态。难道买汽车保险是希望发生车祸?同样的道理,医药卡只是为了以防万一,有需要时不必动用自己的储蓄和血汗钱。

医药卡必知

(一)每年检视保单

人生不同阶段有不同目标和责任,消费人应善用保险代理员提供的免费咨询服务,每年检视保单并适时调整,像手机、电脑之类的设备,大家都会定期更新,保单也应该如此,很多保单是多年前购买的,现在的产品推陈出新,消费人可以检讨看看有没有需要追加。

(二)凑钱为父母投保

乐龄人士的医药卡保费不便宜,却又是患病的高风险群,这里建议为人子女者,可凑钱合力为父母购买。

你说你爱你的父母,万一父母发生事情,你能袖手旁观吗?万一发生事情,若孩子没能力承担,至少保险公司有能力,由保险公司来负责。

(三)各别购买医药卡

全家受保的医药保险尽管收费较低廉,却有限制。

例如家庭保险只为21岁以下子女提供保障。当子女年届21岁想要个别投保,或有可能因早前身体状况不佳而有被保险公司拒保的风险。

另外,由于可索赔限额由家庭成员共享,若家中有一人以上患病,可能会不敷使用。

如果够用的就没问题,不够用时怎么办?因此这里主张每个家庭成员拥有各自的医药卡。

(四)向专业保险代理员投保

市面上有中间人保险公司以会员制方式出售保险产品,其缺点是购买者并非直接对保险公司,或有可能遭遇缺乏保证续保或沦为孤儿保单(没有代理人服务)的风险。

其区别方式是填写保单申请时,注意公司抬头是保险公司或者是该中间人保险公司。他呼吁消费人直接向保险公司的代理员投保。

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Malaysia Medical Insurance Organisation (MMI)

马来西亚医疗保险机构(MMI

ACPG 集团和联营团队成员

MMI 服务热线:+603-92863323, +6011-12239838.

mmicare@medicalinsurance.com.my

Type of Insurance Solution Services : 

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MMI-profile P1 130913

Group Hospitalisation And Surgical Fees Insurance and Group Employees Medical Insurance Kuala Lumpur Malaysia

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Tokio Marine Group Hospital and Surgical Medical Insurance Taman Midah

Tokio Marine Group Hospital and Surgical Medical Insurance Bandar Tun Razak

Tokio Marine Group Hospital and Surgical Medical Insurance Taman Billion

Tokio Marine Group Hospital and Surgical Medical Insurance Taman Mewah

Tokio Marine Group Hospital and Surgical Medical Insurance Balakong

Tokio Marine Group Hospital and Surgical Medical Insurance Bangsar

Tokio Marine Group Hospital and Surgical Medical Insurance Pantai Dalam

Tokio Marine Group Hospital and Surgical Medical Insurance Jalan Kelang Lama

Tokio Marine Group Hospital and Surgical Medical Insurance Kuchai Lama

Tokio Marine Group Hospital and Surgical Medical Insurance Sungai Besi

Tokio Marine Group Hospital and Surgical Medical Insurance Puchong

Tokio Marine Group Hospital and Surgical Medical Insurance Shah Alam

Tokio Marine Group Hospital and Surgical Medical Insurance PJ

Tokio Marine Group Hospital and Surgical Medical Insurance Petaling Jaya

Tokio Marine Group Hospital and Surgical Medical Insurance Seri Petaling

Tokio Marine Group Hospital and Surgical Medical Insurance Desa Petaling

Tokio Marine Group Hospital and Surgical Medical Insurance Subang

Tokio Marine Group Hospital and Surgical Medical Insurance USJ

Tokio Marine Group Hospital and Surgical Medical Insurance Damansara

Tokio Marine Group Hospital and Surgical Medical Insurance Kota Damansara

Tokio Marine Group Hospital and Surgical Medical Insurance Kepong

Tokio Marine Group Hospital and Surgical Medical Insurance Sungai Buluh

Tokio Marine Group Hospital and Surgical Medical Insurance Rawang

Tokio Marine Group Hospital and Surgical Medical Insurance Jalan Ipoh

Tokio Marine Group Hospital and Surgical Medical Insurance Selayang

Tokio Marine Group Hospital and Surgical Medical Insurance Gombak

Tokio Marine Group Hospital and Surgical Medical Insurance Wangsa Maju

Tokio Marine Group Hospital and Surgical Medical Insurance Setapak

Tokio Marine Group Hospital and Surgical Medical Insurance Kajang

Tokio Marine Group Hospital and Surgical Medical Insurance Sungai Long

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Tokio Marine Group Hospital and Surgical Medical Insurance Seri Kembangan

Tokio Marine Group Hospital and Surgical Medical Insurance Kajang

Tokio Marine Group Hospital and Surgical Medical Insurance KL

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Pacific Group Hospital and Surgical Medical Insurance Kuala Lumpur Malaysia

Pacific Group Hospital and Surgical Medical Insurance Kuala Lumpur

Pacific Group Hospital and Surgical Medical Insurance Selangor

Pacific Group Hospital and Surgical Medical Insurance Cheras

Pacific Group Hospital and Surgical Medical Insurance Ampang

Pacific Group Hospital and Surgical Medical Insurance Kampung Pandan

Pacific Group Hospital and Surgical Medical Insurance Pandan Jaya

Pacific Group Hospital and Surgical Medical Insurance Pandan Perdana

Pacific Group Hospital and Surgical Medical Insurance Pandan Indah

Pacific Group Hospital and Surgical Medical Insurance Taman Cheras

Pacific Group Hospital and Surgical Medical Insurance Taman Pertama Cheras

Pacific Group Hospital and Surgical Medical Insurance Taman Segar Cheras

Pacific Group Hospital and Surgical Medical Insurance Taman Midah

Pacific Group Hospital and Surgical Medical Insurance Bandar Tun Razak

Pacific Group Hospital and Surgical Medical Insurance Taman Billion

Pacific Group Hospital and Surgical Medical Insurance Taman Mewah

Pacific Group Hospital and Surgical Medical Insurance Balakong

Pacific Group Hospital and Surgical Medical Insurance Bangsar

Pacific Group Hospital and Surgical Medical Insurance Pantai Dalam

Pacific Group Hospital and Surgical Medical Insurance Jalan Kelang Lama

Pacific Group Hospital and Surgical Medical Insurance Kuchai Lama

Pacific Group Hospital and Surgical Medical Insurance Sungai Besi

Pacific Group Hospital and Surgical Medical Insurance Puchong

Pacific Group Hospital and Surgical Medical Insurance Shah Alam

Pacific Group Hospital and Surgical Medical Insurance PJ

Pacific Group Hospital and Surgical Medical Insurance Petaling Jaya

Pacific Group Hospital and Surgical Medical Insurance Seri Petaling

Pacific Group Hospital and Surgical Medical Insurance Desa Petaling

Pacific Group Hospital and Surgical Medical Insurance Subang

Pacific Group Hospital and Surgical Medical Insurance USJ

Pacific Group Hospital and Surgical Medical Insurance Damansara

Pacific Group Hospital and Surgical Medical Insurance Kota Damansara

Pacific Group Hospital and Surgical Medical Insurance Kepong

Pacific Group Hospital and Surgical Medical Insurance Sungai Buluh

Pacific Group Hospital and Surgical Medical Insurance Rawang

Pacific Group Hospital and Surgical Medical Insurance Jalan Ipoh

Pacific Group Hospital and Surgical Medical Insurance Selayang

Pacific Group Hospital and Surgical Medical Insurance Gombak

Pacific Group Hospital and Surgical Medical Insurance Wangsa Maju

Pacific Group Hospital and Surgical Medical Insurance Setapak

Pacific Group Hospital and Surgical Medical Insurance Kajang

Pacific Group Hospital and Surgical Medical Insurance Sungai Long

Pacific Group Hospital and Surgical Medical Insurance Mahkota Cheras

Pacific Group Hospital and Surgical Medical Insurance Seri Kembangan

Pacific Group Hospital and Surgical Medical Insurance Kajang

Pacific Group Hospital and Surgical Medical Insurance KL

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Malaysia Medical Insurance Organisation

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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.

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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

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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

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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

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Medical Card Insurance Kuala Lumpur Malaysia

Online Purchase for Medical Card Malaysia

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Malaysia Medical Card Insurance Policy !!!
Enjoy Lowest Rate on Your High Protection Coverage………

Click here for your online purchase
http://walkinonline.com/store/medicalcardinsuranceform.php

ACPG Medical Card Insurance
Medical & Health Insurance Policy

ACPG Medical & Health Insurance Plan (Individual / Group) –
…..not just a health plan, but a plan for good health

ACPG Hotline – 603-9286 3323

Despite efforts to stay healthy, illnesses can strike suddenly, No matter how careful you are, …
accidents can happen any time.

When they do, you would want immediately access to the best medical care you can get. However, you know that hospitalization is expensive. Medical costs are high, and getting higher every year.

How do you ensure that you get the medical care you want for yourself and your family?

ACPG Medical & Health Insurance Plan can help put your mind a rest. Helping you deal effectively with all serious health problems, from the need for prompt diagnosis to prearranged care at an approved panel hospital of your choice. In the event of serious medical emergencies, you can be covered for immediate admission to the nearest approved panel hospital.

With ACPG Medical & Health Insurance Plan, you need not worry about funding for your healthcare costs or it being a burden on yourself and your loved ones. All you have to do is to select from a choice of Medical Insurance Plans that suits your needs.

Furthermore, the annual premium you pay will qualify for the RM 3,000.00 medical tax relief subject to the final approval by the inland Revenue Board.

ACPG Medical & Health Insurance Plan

List of Product Range
– Medical Card (Individual & Family)
– Senior Age Medical Card Plan (Entry Age up to 65, Renewal till Age 80)
– Baby & Children Medical Card
– Maternity/ Pregnancy Benefit
– Lady Medical Card
– Critical Illness Care

List of Special Extended or Unique coverage

– Guarantee Renewal
– High Lifetime Limit
– Second Surgical Opinion
– AIDs Coverage
– Pregnancy Complications
– Maternity Death
– Out Patient Specialist Care
– Out Patient GP Care
– Home Nursing
– Accidental Facial
– Female Cancer
– Ambulance Fees
– Daily Cash Allowance at Government Hospital
– Pregnancy / Maternity Benefits
– Accidental Death / Permanent Total Disablement

ACPG Management Sdn Bhd (ACPG)
Your experience Malaysia Insurance Risk Management and Solution Service Provider since year 1989.
ACPG Careline +603-92863323
enquiry@acpgconsultant.com
www.acpgconsultant.com
www.facebook.com/acpg.management