Medical Insurance
Medical Care - Your Question Answered

1. Who can apply?
All citizens and permanent residents of Malaysia aged 15 days to 60 years old can apply for this plan.

2. Do I need to undergo medical examination?
No.

3. What is the meaning of pre-existing conditions?
Sickness, injury or disease that exists before a policy is issued by the insurer.

4. What is the meaning of specified illnesses?
Sickness or illness that is not covered during the first 12 months of insurance; namely urinary and biliary stones, hypertension, diabetes mellitus, cardiovascular disease, varicose veins, tumour of any kind, and few more. Please refer to the policy contract for details.

5. What are the exclusions?
There are very few exclusions and they are detailed in your policy contract. In brief, pre-existing conditions,
specified illnesses, mental illness, war, AIDS, armed forces personnel, childbirth, drug abuse, and self-inflicted injuries are not covered. Please refer to the policy contract for details.

6. Is there any waiting period before the insurance cover begins?
Yes, there is a 30-day waiting period, except due to an accident.

7. Will the premium remain constant when my age increases?
No. When you, the insured person, moves from one age group to the next, the premium rate will increase or
decrease accordingly.

8. What are the likely implications of switching policy from one insurer to another, or transferring from one insurance plan to another?
The pre-existing conditions, specified illnesses, and waiting period of policy will have to start afresh.

9. What are the insurer's possible actions when the policy is due for renewal?
- Renew policy without changing premium, terms and conditions.
- Renew policy with higher premium due to loss experience of policyholder.
- Decline to renew when total claim amount exceed annual limit of benefits.
The above scenarios are not exhaustive to illustrate the insurer's actions upon policy renewal date.