Health Insurance in Malaysia

If you are surveying for health insurance, this is the right piece of content for you. There are two main coverage for health insurance in Malaysia.

Medical card:

1. The medical card pays for all the hospital bills when you get admitted.
2. That includes paying for accidents, cancer treatment, heart surgery, etc.
3. Any illness that has to be admitted can be claimed under a medical card.
4. However, do note that not everything can be claimed under the medical card, common examples are body check-ups, dental treatments, pregnancy complications, self-inflicted injuries, and mental illness treatments.

Critical illness coverage:

1. 1. This coverage pays out directly to your bank account if you are diagnosed with a critical illness.
   2. You can use this amount of money to pay for daily expenses if you cannot go to work.
   3. Medical cards do not cover the supplements or the equipment that you need for recovery, hence having this amount of money can help you pay for stuff when you are not working.
   4. However, critical illness coverage will only be paid if the illness reaches a certain severity.

When you purchase a medical card, it usually comes in fixed coverages, for example, RM 1.5 mil, RM 2 mil, RM 5 mil, etc. The benefits are usually not customizable and it comes in a pre-made plan.

When you purchase critical illness coverage, you can be flexible on the amount that you want to insure. You can choose any amount as long as it is within your affordability.

Do note that, if you want both plans, you do not have to buy separate policies. You can get an investment-linked plan and add these two coverages into the same plan.