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A1. Medical Expenses
Ask anyone about which hospital offers cheaper medical treatments – between the government or private hospital – and the unanimous answer would surely be the Government/ Public Hospital.It’s not news, really, since the public healthcare in Malaysia is subsidised by the government.
But, with the cheap price tag comes a long wait. Frankly speaking, this is something to be expected as tens of thousands of the sick and injured flock the subsidised health facilities daily in an effort to save money – or simply can’t afford the more expensive alternative.Does it mean that patients need to bear
1- Larger crowd of patient
2- Longer time of getting illness treated
3- Lesser attention given to every patient
4- Treatment urgency based on priority of the seriousness of sickness
Many many more.
This is not because of the poor performance of Public Hospital but mainly because of the shortness of the frontliner compared to the numbers of patients needing attention.
Of course, for those who can afford it or have a medical insurance policy to cover their medical expenses, private hospitals tend to hold a much bigger appeal – simply because they offer better customer service and facilities yet comfort the patient with immediate attention given when needed. After all, that’s really what you’re paying for, isn’t it?
That is the main reason why a person should have a sufficient to adequate medical insurance to cover their medical expenses in a Private Hospital.
We do have different type of medical card range based on your affordability.
Let us know and we willa dvice you.
Type 1
Room & Board - Rm100 to Rm400
Annual Limit - Rm50,000 to Rm100,000
Lifetime Limit - Rm150,000 to Rm300,000
Age covered - 70/80/90/100
Cost Sharing - YES
Type 2
Room & Board - Rm100 to Rm400
Annual Limit - Rm50,000 to Rm100,000
Lifetime Limit - Rm500,000 to Rm1,000,000
Age covered - 70/80/90/100
Cost Sharing - YES & NO
Type 3
Room & Board - Rm100 to Rm400
Annual Limit - Rm1,000,000 - Rm2,000,000
Lifetime Limit - Unlimited & 80%/20% condition
Age covered - 70/80/90/100
Cost Sharing - YES & NO
Type 4
Room & Board - Rm100 to Rm400
Annual Limit - Rm1,380,000 - Rm1,780,000
Lifetime Limit - Unlimited
Age covered - 70/80/90/100
Cost Sharing - YES
