PENGENALAN
Medicalife 207 membantu anda mengatasi biaya perubatan yang tinggi dan menyediakan perlindungan komprehensif untuk kos perubatan, pembedahan serta hospital, yuran ambulan dan caj perubatan lain. Dengan keahlian Medicalife 207, anda tidak perlu menghadapi kerumitan prosedur tuntutan. Gunakan Kad Perubatan ini untuk urusan segera kemasukan hospital dan ketika keluar hospital.
JAMINAN PELAN MEDICALIFE 2071. Jaminan Pembaharuan Keahlian sehingga umur 80 tahun
2. Menikmati Bil Perubatan PERCUMA bernilai RM 150,000 sehingga RM 600,000 ( sila rujuk pelan )
3. Pelepasan cukai LHDN sebanyak RM 3,000
4. Elaun Penjagaan Anak di Hospital ( bagi anak yang diinsuranskan ) sehingga RM 200/hari
5. Elaun Penjagaan Kejururawatan di Rumah sehingga RM 500 sehari
6. Rawatan Pesakit Luar PERCUMA bagi Kemalangan dan Kecemasan
7. Rawatan Pesakit Luar bagi Dialisis Buah Pinggang dan Kanser
8. Elaun RM 50/hari bagi pemegang polisi yang mendapat rawatan di hospital kerajaan
9. Bil rawatan anda di bayar 100% ke atas kos pembedahan, khidmat pakar bius, khidmat & bekalan hospital, bilik bedah dan bilik Unit Rawatan Rapi.
10. Tiada Co-Insurance
Co - Insurance ialah pembayaran yang di kenakan sebanyak 10% dari bil rawatan anda.
Contoh : Bil rawatan anda RM 1200, maka Co-Insurance anda 10% x RM 1200 = RM 120
Jadi, anda kena tambah wang anda sendiri RM 120 sebelum anda discharge.
11. 100% Perlindungan. Tiada unsur pelaburan yang meragukan.
12. Anda di benarkan membuat TUNTUTAN sekiranya mendapat rawatan SELAIN hospital panel
SOALAN LAZIM
Q: Why do I need this plan?
A: Because hospital costs can be substantial and could wipe out your precious savings. The last thing you want to worry about when you go to a hospital is money!
Q: Who is eligible to apply?
A: Anyone from the ages of thirty (30) days old up to fifty-nine (59) years old (LAST BIRTHDAY AGE) and who is in good health.
Q: When does my cover begin?
A: From the day we approve your application form.
Q: Is the MedicaLife 207 Plan renewal Guaranteed?
A: Yes, renewal is GUARANTEED up to age 80 or when the Lifetime Limit is exhausted (whichever is earlier).
Q: Is there a waiting period?
A: Yes, 30 days from effective date of policy unless resulting from accident.
Q: If I renew my MedicaLife 207 Plan insurance policy, will the 30-day waiting period apply?
A: No.
Q: How much can I claim?
A: You may claim up to the Overall Annual Limit in a year and up to the Lifetime Limit during your lifetime under the chosen plan subject to individual benefit limits.
Q: Is there any deductible from each and every claim?
A: NO, there is no deductible in the MedicaLife 207 Plan.
Q: What is Upgraded Room and Board Co-Payment?
A: If the Insured person is hospitalised at a Room & Board rate which is higher than his/her eligible benefit, the Insured Person shall bear 10% of the other eligible benefits described in the Schedule of Benefits for each and every claim.
Q: If MedicaLife 207 Plan is cashless at participating hospitals, why does the Insured still have to pay a certain amount of deposit during admission?
A: This is usually a deposit for Non-Medical related expenses such as telephone charges, laundry, etc., or Co-Insurance amount to be borne by the Insured. Depending on hospitals, this deposit normally ranges from RM200 to RM2,500.
Q: Can I seek treatment at a Non-Panel Hospital?
A: Yes. However, the policyholder has to pay first and seek reimbursement later, based on Customary and Reasonable charges.
Q: Why does or why would a hospital not accept the MedicaLife 207 Plan Medical Card?
A: The followings are common circumstances whereby this can happen: 1) illness is not covered, first 30 days waiting period, Specific illnesses, Underwriting exclusions, General exclusions or Non-disclosure of Pre-existing illnesses; 2) Final diagnosis is different from the initial diagnosis; 3) Policy has expired; 4) Application has not been approved; 5) Policy has expired, but renewal premium was paid (could possibly due to policy could not be approved as there is a shortage of premium or relevant documents are not complete or timing is incorrect); 6) Hospital Admission Staff refused to contact MediExpress; and/or 7) Policyholder goes to a Non-Panel Hospital.
Q: May I upgrade my plan?
A: Yes, you may. However, any request to upgrade will be treated as a new application and may require you to provide details of your current state of health.
Q: How do I make a hospitalisation and/or surgical claim?
A: In the event you have been treated at a hospital which is not a participating hospital, just call 1-800-88-1320 (MediExpress) to make your claim. All services from MediExpress on admission & discharge are subject to eligibility, benefits of your plan and a waiting period of 90 days at the first policy year.
HUBUNGI / SMS SAYA DI TALIAN 013-3328677
Sila hubungi / sms saya untuk khidmat rundingcara PERCUMA sekitar Kuala Lumpur, Selangor & Perak.Layari http://www.kadperubatan.net untuk info lanjut
Muhamad Azam Bin Abdullah
Perunding MAA Assurance & Takaful
Bacelor Of Engineering ( Electric ), UPM
H/P : 013-3328677
Yahoo Messengger : azamkee
9A-A6, Suite 9A,Tingkat 9, Menara MAA, Jalan Dewan Bahasa,
50460 Kuala Lumpur
