What does the word “best” constitutes when we talk about the best medical plan in Malaysia? The best word “best” is at time, subjective, and may differ in perspective from persons to persons. Most of the time, price plays a large determining factor. Other times, it is a plan that is straightforward to understand and easy to obtain, without having to go through clunky paperwork and medical check-up (which costs money as well!). Or perhaps, it is easy to claim for hospitalization and surgical expenses and obtain help if need be. What if we tell you that PolicyStreet can offer all of the above, and more? Introducing AXA eMedic, Malaysia’s first online medical plan, arguably the best medical plan in Malaysia, for millennials!
What is AXA eMedic?
According to the Sun, within the next five years, medical costs are expected to rise by 12.7%. This may leave Malaysians, particularly millennials, ill-equipped to foot soaring medical bills, should they need hospitalisation or surgery. Also, most millennials we know are striving to live life to the fullest, taking care of their health and wellness, why not consider including insurance as part of achieving our #fitgoals?
AXA eMedic is a revolutionary and innovative product fitting for the times.
It caters to the overwhelming demand for an affordable medical plan whilst taking advantage of new technology millennials like you and I are so used to, for work and personal life. Malaysian youths aged between 16 to 39 years can get their first medical insurance product for as low as RM32 per month and this is renewable up to age 80. Now to elaborate further on why this is the best medical plan in Malaysia, for millennials.
Why do we say it is the best medical plan in Malaysia for millennials? The process is simple and digital!
- It is distributed solely online, therefore no agent commissions to pay for. And you don’t need to meet any agent. Though, if you do need any assistance or more info, just whatsapp AXA at this number +60176418867.
- This product does not require any medical check-up! You’re just required to declare honestly to 3 health questions. So, there isn’t any costs of processing and assessing your report, and no hassle on your end to produce one!
- No physical cards will be sent to you. Let us all save on courier costs, and save the earth against plastics! Get quick access to medical care by just presenting your e-medical card for hospital admission. To access this medical card, download “My AXA Health” from Google Play Store or Apple App Store. Alternatively, you may login to https://www.myaxahealth.com/ on web.
Why do we say it is the best medical plan in Malaysia for millennials? Choose between affordable and even more affordable options!! No breaking the bank required!
You may choose between a medical plan that has a deductible or non-deductible option. The deductible feature of RM1,000 per hospital admission is perfect for ones who can self-insure for the first RM1,000 or fork out RM1,000 for the smaller hospitalization expenses each time they get admitted to the hospital.
Here’s an example of how deductible works!
Ali has food poisoning, is hospitalized and bill comes up to RM1,400. He pays the first RM1,000 and AXA Affin pays the remaining RM400. 2 months later, due to Murphy’s law, he contracts dengue, is hospitalized and bill comes up to RM5,000. This time, he would need to pay the first RM1,000 again and then AXA Affin pays the remaining RM4,000.
Otherwise, opting for a non-deductible option would mean slightly higher premiums, but also that you don’t have to pay anything and let AXA take care of the rest.
Why do we say it is the best medical plan in Malaysia for millennials? Comprehensive coverage at your fingertips!
These are a total of 3 plans to choose from – P20, P50 and P100, with the annual limits of RM20,000, RM50,000 and RM100,000 respectively, based on your specific needs. Annual limit shows the amount of which the claims on your medical card cannot exceed in a single coverage year. There is no lifetime limit imposed on all the plans, so rest assured that you can still claim for your hospital bills over your lifetime, just as long as the claims are restricted to the annual limits every coverage year.
For all of the 3 plans, you get to enjoy room and board of up to RM250 per night, which we believe is sufficient enough to get a one-bedder or two-bedder room in an AXA Affin panel hospital (the list here is extensive!). Best part is there is no cap to the number of days you are admitted to both the normal or ICU ward, just as long as you recover from your injuries/illnesses as soon as possible.
AXA Affin will take care of all hospitalization and surgical expenses (up to your chosen annual limit) necessary to make you recover fully. Day Care Surgical Procedure, Prescription Drugs, Operating Theatre, Surgeon’s Fees, Specialist Fees… you name it, they’ll cover it!
Why do we say it is the best medical plan in Malaysia for millennials? Claiming is straight forward, and efficient!
Just present the virtual medical card to the hospital, mention AXA Affin’s Third Party Administrator name (MediExpress) for the admission arrangement, and AXA Affin will settle the medical expenses for you, provide that the expenses does not exceed the annual limit of the plan you purchased and the expenses is covered by this plan. For plans with deductible, you will need to pay for expenses up to the deductible amount per hospital admission before AXA Affin covers for the remaining expenses.
So, millennials out there! What are you waiting for?
We trust that we have given you a teaser of what to expect from what we consider the best medical plan in Malaysia for millennials. If you’d like to speak to us about it, drop us a line, via our hotline, email, Facebook, anywhere! Delay not any longer! Health is wealth, don’t waste it – that’s how we’d like to say it. Obtain an AXA eMedic right here on PolicyStreet now!