Malaysia Health Insurances | Medical Card | Insurance Policies

Medical Insurance is necessary because of the limited services offered by the

government hospitals in Malaysia. Government hospitals in Malaysia can offer
emergency and essential medical care but there is usually a long waiting list. However,
the possession of a medical card will help to give you more choices and access to both
government and private hospitals in Malaysia.

A medical card can help you prepare for ever rising medical costs and ensures
comprehensive coverage in medical, surgical and hospital costs, ambulance fees and
other related medical charges.

Things to Look Out For When Buying Medical Insurance in Malaysia:

Exclusions

Many medical card do not pay for chronic diseases in the first year and for pre-existing
medical conditions. Most only provide in-patient services and exclude outpatient
services.

Guaranteed Renewal

Some medical card are yearly renewable (that means, renewal is subject to the approval
of the insurance company), while others normally offer guaranteed renewal up to a
lifetime limit.

Co-Insurance

Some medical insurance companies also practice co-insurance, meaning that you'll have
to pay a certain amount of the medical fees, normally at 10% - 20% of the total medical
fees incurred, while the balance will be paid by the insurance companies.

Cashless

There are also some medical card which are cashless. As a policyholder of this kind of
cashless medical card, you just present the card at any participating hospital to facilitate
your hospital admission. You do not need to worry about preparing and submitting claims
as all expenses will be paid directly to the hospitals. However, this kind of medical card
is becoming less available due to misuse and very high claim rate.

Some insurance companies require you to pay first and then file claims for certain
hospital admissions.

Participating Hospitals

Depending on the insurance companies, the number of participating hospitals varies.

Choosing a medical card with more participating hospitals benefits you better, as you will
have more choices in time of emergency.
36 Major Critical Illnesses Covered By Most Medical Insurance. Some variations
expected with different medical card issued by different insurance companies.

1. AIDS as a result of a blood transfusion

2. Alzheimer's Disease
3. Aorta Surgery
4. APALLIC Syndrome
5. Aplastic Anaemia
6. Bacterial Meningitis
7. Benign Brain Tumour
8. Blindness
9. Brain Surgery
10. Cancer
11. Chronic Liver Disease
12. Chronic Lung Disease
13. Coma
14. Coronary Artery Disease Requiring Surgery
15. Deafness
16. Encephalitis
17. Full Blown AIDS
18. Fulminant Viral Hepatitis
19. Heart Attack
20. Heart Valve Replacement or Repair
21. Kidney Failure
22. Loss of Limbs
23. Loss of Speech
24. Major Organ Transplant
25. Major Burns
26. Major Head Trauma
27. Motor Neurone Disease
28. Multiple Sclerosis
29. Muscular Dystrophy
30. Other Serious Coronary Artery Disease
31. Paralysis
32. Parkinson's Disease
33. Poliomyelitis
34. Primary Pulmonary Arterial Hypertension
35. Stroke
36. Terminal Illness

Kelly Wong recommends you to protect your health and future income with a suitable
insurance policy. To find out more about medical insurance in Malaysia, Kelly suggests
you to visit http://www.malaysiahealthinsurances.com.
Article Source: http://EzineArticles.com/?expert=Kelly_Wong