Looking for a medical card for you and your family? Have you made your mind up yet? But, wait did you ask the necessary questions before you swipe your cards and made payments? Purchasing a medical card can be a tricky business. You need to know the coverage, what age do they cover, the monthly payment, how does one medical card differ from the other? These can be a burdensome especially to those first timer.
Well, worry no more as we in PolicyStreet will help in guiding you on how to buy a medical card insurance. First, you need to ask the right kind of questions. There are hundreds of questions need to be asked, but it doesn’t necessarily have to be that much. You can summarize in these 7 questions you need to ask before purchasing medical card in Malaysia for yourself, or for your loved ones.
Which medical card insurance plans that you will need?
This is one of the questions you need to ask before purchasing medical card. Try this for once, ask yourself, ‘what kind of health plan do I need the most?’. This is a vital thing to be considered on the grounds that that are multiple factors that would affected your judgements such as the hospital admission coverage, the types of treatments covered, the treatments cost and also surgical cost. No one can predict their own health or whether there won’t be any mishaps in the future. It’s a fundamental component to look at.
Choosing the right health plan is definitely not a piece of cake kind of job, not to mention, with the existence of abundance variety of protection in the Malaysian market. Plus, with all the terms and conditions, options to add-on extra protections for every medical insurance plans offered, the basic medical plans which may or may not cover hospital fees and follow-up treatments, it’s just waaaaaay too many to be thought about.
Take serious reflection before buying any medical insurance plans as it is an investment that determines the fate of your future life.
What are the Types of Medical Card Coverage?
If you don’t already know, there are 2 types of coverage that you will be able to benefit from a medical card. On one hand, it is called lifetime coverage and on the other hand is annual coverage. Common hitches or glitches that are faced to those who own a medical card is that when they are faced with an untimely event of sickness or the need of hospitalization of a protected individual, they simply can’t use the medical card as it already reached it annual limit.
Chronic illness would mean that you are in need of follow-up treatments. If you don’t undergo these treatments, things might not looking good for you. Lucky for you, AXA eMedic Online Medical Card offers 3 types of annual coverage ranging from 20 thousand ringgit a year and up to 100 thousand ringgit annually. That’s not all, these annual coverage increase every year until you reach the age 80, with the monthly premium stays in an affordable price.
Now, you don’t have to worry about not having enough limit the next time you or your loved ones get admitted to the hospital.
Will the medical card insurance cover any risk of illness or injuries?
You should always, and we mean always, pay extra attention to this particular feature of a medical card. Will it cover against any existing illness such as asthma or perhaps, diabetes? Find out whether if you’re qualify or not for a medical card if you have any pre-existing sickness or you had a surgical operations not too long time ago, and/or have an illness that is bound or prone to relapse again.
It’s no use if you own a medical card, but aren’t able to use it because you overlooked this particular features in the terms and conditions section. AXA eMedic Online Medical Card on one hand do protects in any auspicious events based on its terms and conditions of course. Yet, if you already have that illness, you might not be able to protect yourself as not many medical insurance in the market protects the pre-existing illness.
Deductible or Non-deductible?
Deductible feature is one of the questions you need to ask before purchasing medical card. As aforementioned, every insurance policy has their own unique terms and conditions ranging from the coverage, how the payment gonna work, how to claim and many more. One of the special characteristic of insurance policy is the deductibles. Deductibles in insurance sense, it ease your burden by decrease the amount you have to pay monthly for the premium package. But there’s a catch, you have to spent RM1,000 of your own money, whenever the need came up, and AXA will pay the rest of your medical bills. It’s just that simple.
For the non-deductibles, on the other side, would render you to pay a higher price of monthly payment to the insurance company itself for the benefits of your future health coverage. The only best thing about it is that, you won’t have to spent a single cent once you are faced with the event that needed you to be hospitalized. AXA will only pay the amount that is billed to you, and they won’t pay more. Unless of course, you are hospitalised more than once, then they will pay until your annual limit is up.
Annual Renewal or Guaranteed?
Did you know that some medical card will put an extra charge depending on the claiming review every year. Let’s say, you have filed a lot of claims in the year before, you might have to pay more for the renewal of the medical card. For AXA eMedic Online Medical Card case, it will be renewed every year through your payment medium of choice, whether annually or monthly. The renewal depends on the insurance policy date of anniversary which means it will be renewed on the same date you bought the insurance, in the next years.
Even so, do take note of the yearly price, as it will change and increase as you ages. So, don’t be surprised if you need to pay a little bit more than usual compared to the past years for the renewal of your medical card. Woah, don’t cut off your subscription just yet. This increment is not that high as we wouldn’t want to burden you and plus, it won’t happen at least for the next 5 years.
Now you have the answer to one of the questions you need to ask before purchasing medical card.
If you were fated for some unfortunate situation, which hospital would you go for consultation or getting the right treatments? How much is the cost of staying in the room per day in that particular hospital? Do you need to pay ALL the bills and cost treatment? Is this medical card insurance will cover the hospitalization fee? This is the Frequently Asked Question (FAQ) that we receive when people buying the medical card for us, and you should ask too.
For AXA eMedic Online Medical Card, you don’t need to create worry lines on your face as we offered to pay up to RM 250 per day for your room when you get hospitalised. And the good news is that, there’s no limit on the number of days of your hospitalization. Now shoo your worry away, as AXA eMedic is here to stay and protect you when you’re at your most vulnerable time.
These are one of the questions you need to ask before purchasing medical card.
The Activation Period of the Medical Card?
One of the questions you need to ask before purchasing medical card, is is there an activation period? This is also a vital thing to take note when you are buying a medical card for yourself or for your loved ones. Many people overlooked and taken this significant information of the activation of the medical card for granted. Let’s imagine of this situation, you mysteriously fell down the stairs and in dire need of a small surgery. So, you would do whatever a normal person would do, get treatments at the hospital or in this case, the panel hospitals that your newly-bought medical card cover.
You confidently went inside to get the treatments and hand in your medical card, only to be denied of free treatments. Why? Because the card is not active yet and now you have to pay out of your own pocket. Every medical card in the market has their own period of activation and they all different from one another. For AXA eMedic Online Medical Card, you need to wait at least 30 days before you can use it as we need to process all the registration as well as the black and white prints.
Here you go! These are 7 questions you need to ask before purchasing medical card in Malaysia! Still contemplating on which medical card is the right one for you? Look no more, as AXA eMedic Online Medical Card is the perfect match for anyone from generation Z, millennials and even baby boomers! We provide the best medical card in town and at affordable price with a range of coverage fit for any types of situations. Wait no more and find out how you can benefit from AXA eMedic Online Medical Card from PolicyStreet.com. Getting insurance is now simpler, easier, and affordable with PolicyStreet.
In fact, we are currently giving away RM50 rebate for every purchase of AXA eMedic! Further savings for your every penny! Don’t wait for the promotion to end. Act now at PolicyStreet.com!!