Best Medical Cards in Malaysia 2019: Latest (Complete) Compare Guide


This is the most practical, highly actionable guide to buying the best medical card in Malaysia.

The best part?

We are going to reveal how you can afford the best medical coverage per your budget, something that tied insurance agents are not able to do for you.

In short, if you want to maximize your coverage while minimizing the premium cost (and saving tens or hundreds thousands in the future), you’ll love this guide – with over 200+ comments below this guide since 2015, 2016, 2017 & 2018.

Let’s get started.

This medical card (medical insurance plan) guide has been featured in:

health insurance guide smartinvestor

The published article can be downloaded HERE

Medical card products from major insurance companies in Malaysia are always evolving rapidly, ever-trying to outdo each other to become the best medical insurance or the top medical card in Malaysia, at least in the eyes of consumers.

The Best Medical Cards in Malaysia are:

  • Allianz Life Insurance – MediSafe Infinite series medical card

  • AIA – A Plus Health series medical card

  • Great Eastern Life – Smart Medic series medical card

  • Hong Leong Assurance – Medi Shield III series medical card

  • Prudential Assurance – Pru Million Med series medical card

Scroll Right
for More
Medical Card
Product Name
Type Cover
until age
AIA A-Plus Health Rider 100 ▪️ high annual limit even for lower tier plan,
▪️ no lifetime limit, high post hospitalization
▪️ as charged outpatient treatments,
▪️ covers Singapore & Brunei
▪️ unique 'Health Wallet' feature
Allianz Medisafe Infinite+ Rider 100 ▪️ high annual limit
▪️ no lifetime limit,
▪️ as charged outpatient treatments,
▪️ covers alternative outpatient treatment,
▪️ covers Singapore & Brunei,
▪️ no claim refund as % of insurance charges
▪️ configurable as deductible medical card w/ retirement option
▪️ a parallel solution available to cover for hospitalization & surgical procedures
globally without geographical restrictions, up to U$ 2 million yearly
Great Eastern Smart Medic Xtra Rider 99 ▪️ customizable for low end
or high end coverage,
▪️ high annual limit,
▪️ no lifetime limit,
▪️ as charged outpatient treatments,
▪️ auto annual limit hike upon no claim,
Medishield III Rider 100 ▪️ customizable deductible levels,
▪️ auto-convert from deductible to full
coverage upon retirement,
▪️ very high annual limit when boosted, as charged outpatient
▪️ outpatient physiotherapy treatment
per AL & LL,
▪️ auto annual limit hike upon no claim,
▪️ more affordable premium cost
▪️ no claim refund as % of insurance charges
▪️ configurable to cover for selected surgeries in Singapore, Hong Kong, China
Prudential PruMillion Med Rider 100 ▪️ better insurance charge sustainability

The best in this sense refers to competitiveness in features and costs; so it is actually very good for us as policyholders.

As you notice, the Best Insurance Medical Cards in Malaysia come from major life insurance companies, brands which you already know.

best medical card in malaysia

The best part of being an industry practitioner, as a licensed, independent financial adviser, is that we are not tied to any insurance company.

Meaning, we are not obligated or limited to only recommend 1 single product which we represent like an insurance agent.

Clients literally adore us for being able to source & compare objectively – the best life and health insurance products which suit their needs without being pushy to fulfill sales quote like a tied agent.

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Watch a series of lessons on buying the best medical cards for yourself

1) Comparison table of the Allianz, AIA, Great Eastern, Manulife, Hong Leong, Prudential, Tokio Marine, AXA Affin, AmMetLife & Zurich Medical Insurance

best health insurance malaysia

note: flip your mobile device horizontally for best viewing or use at least an iPad mini to view the comparison table
Insurer AIA Allianz Great Eastern Manulife Prudential Hong Leong Tokio Marine AXA Affin AmMetLife Zurich
Right >>
A Plus Health Medi Safe Infinite+ Smart Medic Xtra 99 ManuHealth Elite Sig Pru Million Med Medi Shield III iHealth+ Medic Assure Plus+Extra HCC Choice + BoostUp Value Care
Type Rider Rider Rider Rider Rider Rider Rider Rider Rider Rider
End on
100 100 99 99 100 100 90 81 100 100
300 300 300 As Charged
(basic single room)
300 300 300 250 (no 300 R&B) 350 (no 300 R&B) 280
Days per year
or per disability
150/150 150/150 180 combined No limit 120/120 150/75 150/60 210 combined 150/150 no limit/60
Pre & Post
days per year
60/150 90/180 60/90 60/90 60/90 90/90 30/90 31/120 60/120 60/90
300 optional No No 500 optional 300 per disability No No No No No
Co pay
for R&B
No No No No No No 20% of eligible
benefits, limited
to RM 1,000
per disability
n.a. n.a. n.a.
Out patient
cancer RM
Per AL & LL - chemotherapy & radiotherapy Per AL & LL -
targeted therapy,
hormonal therapy
& immunotherapy
Per AL & LL -
chemotherapy &
1.76 mil per lifetime -
chemotherapy &
Per AL & LL -
chemotherapy &
Per AL & LL -
Limited coverage for
targeted therapy,
hormonal therapy & immunotherapy
Per AL & LL -
chemotherapy &
1 million per lifetime
chemotherapy &
shared w/ outpatient
kidney dialysis
Per AL & LL - chemotherapy & radiotherapy Per AL & LL - chemotherapy & radiotherapy
Out patient
kidney dialysis
Per AL & LL Per AL & LL Per AL & LL 1.76 mil per lifetime Per AL & LL Per AL & LL Per AL & LL 1 million per lifetime,
shared w/ outpatient
cancer treatment
Per AL & LL Per AL & LL
Out patient
stroke RM
No No No 1.76 mil per lifetime No No No No No No
Out patient
dengue RM
3,000 per event Per AL & LL No 1.76 mil per lifetime 3,000 per event 3,000 per year No No 3,500 2,800 per event
Out patient
No 3,000 per year,
subject to 300/day
& 1 visit/day
within 30 days
No No Outpatient Physiotherapy
Treatment up to 6k/year
(within 90 days after
Treatment per
(within 90 days
after disability)
No No Chinese Medicine,
Chiropractic &
Physiotherapy Treatment
4,000 per policy year,
within 60 days after
(within 180 days from
As charged
Once per Lifetime Per AL & LL Per AL & LL n.a. Per AL & LL Per AL & LL 40k per lifetime n.a. No Once per Lifetime
limit (AL)
1.7 million 1.7 million 1.6 million 2.2 million 1.78 million 3.0 million No Limit
But, if the total claims
within a policy year
exceeds 10% of the
Lifetime Limit, a 10%
co-insurance will be
applied (on excess
1.6 million 2.5 million 1.75 million
Life time
limit (LL)
No limit No limit No limit No limit No limit No limit No limit No limit No limit No limit
No claim
1,700 'Health Wallet'
credit, if no claim,
up to 10 times.
Credits can be used
for Health screening
or flu/hepatitits B
vaccination, elective
cosmetic surgery due
to accident/cancer,
hearing aid, fees
for psychiatrist
consultation for
depression, cancer/
stroke/heart attack
recovery care
10% increase in
Initial R&B every
3 years of no claim,
up to 150% of
Initial R&B, also
(10/15/20)% Refund
of Cost of Insurance
Paid of Preceding
1/2/3+ Policy Years
10% increase
in Initial AL
every 3 years
of no claim
No No 15% of insurance charge
in the first 18 months
from the issue date,
alteration effective date,
or date of birth,
whichever the latest
shall be payable
provided no claims
are made
10% increase initial
Hospital Room &
Board entitlement
if no claim was made
in the preceding
3-year period, up to
a maximum
increment of 150%
Discount on Insurance
Charges (from 8% up to
20%) for at least 2
consecutive years of
no claim
n.a. n.a
Click HereClick HereClick HereClick HereClick HereClick HereClick HereClick HereClick HereClick Here
extend to
Singapore, Brunei Singapore, Brunei n.a. Singapore, Brunei n.a. n.a. n.a. Singapore, Brunei Singapore, Brunei n.a.
premium (RM)
3,xxx 3,xxx 3,xxx 3,xxx 3,xxx 2,xxx ? ? ? ?
Insurer AIA Allianz Great Eastern Manulife Prudential Hong Leong Tokio Marine AXA Affin AmMetLife Zurich

**The indicative annual premium, whenever available, was generated based on a 35 years old Male, non-smoker. It does not represent absolutely the expensiveness or cheap-ness of a medical card from an insurer across all age ranges.

2) Best medical insurance in Malaysia - is it Allianz medical card?

Allianz medical card commentary

  • Reimburses the charges incurred for alternative treatments such as Chiropractic, Chiropody, Homeopathy, Osteopathy and Acupuncture up to one (1) visit per day, within thirty (30) days from the hospital
    discharge date.
  • Allianz MediSafe Infinite + covers treatment in Singapore but following Reasonable & Customary Charges equivalent to local treatment in Malaysia. Also, compared to its predecessor, Medisafe Infinite, there is no co-payment if you are hospitalised at a Room & Board which is higher than your eligible benefit. You only bear the difference in the upgraded room & board charges.
  • Another best thing about Allianz medical card is that it specifically states, in the quotation, to include consultation, examination tests and take home drugs for outpatient treatments.
  • It also has the highest combination of pre & post hospitalization coverage, and matches the room & board + ICU coverage of 150 days for each, second best compared to Manulife's unlimited room & board/ICU.
  • The co-payment clause in its predecessor, Medisafe Infinite, has been removed
  • Its outpatient kidney dialysis and cancer does not have separate limit; it follows the overall annual limit and lifetime limit of the R&B rate chosen so this is good.
  • Organ transplant coverage - Reasonable & customary charges
  • It comes with a Value Added Service called Global Expert Medical Opinion, a third party service which gives you, access to top experts from around the world to facilitate the medical decision making. A licensed doctor will be assigned to conduct a thorough clinical conversation, collect all available medical information and identify top experts to provide independent assessment.
  • Allianz Diabetic Essentials enable you to obtain a medical plan protection up to 70 years old even though you have diabetes.

3) Best medical insurance in Malaysia - is it AIA medical card?

AIA medical card commentary

  • A Plus Health medical insurance replaced A Plus Med as its flagship medical card in Q4 '18.
  • It has upgraded to 150 days of normal Room & Board (R&B) and Intensive Care unit (ICU), totaling 300 days/year
  • There is also provision for Organ/Bone Marrow transplant (receiver's coverage only) - as charged, subject to Reasonable and Customary Charges up to Overall Annual Limit, once per lifetime.
  • Singapore & Brunei are not considered as overseas medical insurance coverage (which is good!)
  • It also provides Emergency Medical Evacuation and Repatriation up to USD 1 mil (do not mistakenly think this is international health insurance coverage)
  • Lifetime limit for outpatient kidney dialysis and cancer treatment has been upgraded to no lifetime limit.
  • Only covers for once a lifetime organ transplant event (as an organ recipient)
  • Unique Health Wallet, Prevention Benefit and Protect Boost feature, making it priced higher than average compared to other medical cards compared.

4) Best medical insurance in Malaysia - is it Great Eastern medical card?

Great Eastern medical card commentary

    • The base medical insurance plan SmartMedic Xtra has been enhanced with SmartMedic Xtra 99 and Smart Extender 99
    • The base version of SmartMedic still has co-insurance & co-insurance clauses and coverage age is limited to age 80 if not added with Smart Extender 99.
    • It has 180 days of hospital confinement but combined normal hospitalization and ICU (intensive care unit)
    • Overall, we opined that it's an average medical card which ranks in the middle among its peers.

5) Best medical insurance in Malaysia - is it Manulife medical card?

Manulife medical card commentary

    • ManuHealth Elite medical insurance replaced its predecessor, Manumedic medical card
    • Technically, Manulife Room & Board rate is in a class of its own because after R&B 250, the next Room & Board rate is titled “As Charged”.
    • What it means by this is that if you are in “As Charged” R&B rate, you are entitled for the amount for reimbursement is limited up to 2 basic categories of Single-bedded Room available in the hospital.
    • This mean it is inflation-proof to a certain extent because you are guaranteed a single room no matter what in the future.
    • Pros: No limit on the number of annual confinement days and high annual limit of RM 2.2 million, plus having outpatient stroke coverage which none other medical card in comparison has this benefit.
    • Cons: The outpatient treatments are capped at RM 1.76 million for each per lifetime, separate from its overall annual limit of 2.2 million and no lifetime limit.
    • It has a unique feature that covers non-medical related expenses on your hospital bill, up to 2x your room & board rate, per policy year
    • Comes with low 500 and 5,000 deductible levels, which I'd consider as co-insurance instead of deductible.
    • No mention of organ transplant coverage though

6) Best medical insurance in Malaysia - is it Prudential medical card?

Prudential medical card commentary

    • Prudential most affordable medical card does not use the the term annual limit or lifetime limit. Instead, it replaces them with this - Med Value Point.
    • Med Value Point is defined as - if the total claims that exceed the stipulated Med Value Point amount, the Prudential will still be liable to pay 80% of the total cost of the eligible benefit while policyholder bear the remaining 20%.
    • Prudential also has another 2 older medical card range - PruHealth and PruFlexi Medi, on top of PruMedicOverseas providing coverage in Singapore, Hong Kong and China.
    • Pros: Has the capability to customize the hospital room & board rate and Med Value Point (1, 1.5 or 2 million). It also has has an optional co-insurance like feature, called Med Saver, which policyholder needs to pay RM 300 co-insurance for hospitalization, even though it is a cashless admission. For objective comparison, we remove this co-insurance feature. Finally, the no co-payment clause is always welcomed.
    • Cons: Evidently, the medical card price, especially with Med Saver feature removed. Comparing Med Value point with annual limit, it is on par depending on your choice. However, comparing Med Value Point with lifetime limit, it loses out slightly because other medical cards have no lifetime limit while PruValueMed only covers 80% of the eligible benefit exceeding Med Value Point. However, this is no longer an issue with the introduction of a higher end (newer) medical card range called PruMillion Med. Pru Million Med also has Outpatient Cancer Treatment and Outpatient Kidney Dialysis which is not separated capped, like PruValue Med. Pru Million Med, though, comes with a non-removable RM 300 co-insurance, aka Med Saver.
    • No mention of organ transplant coverage or no claim bonus/incentive for Pru Million Med though.
    • Starting in July 2019, the indicated premium for Prudential Investment Linked Policy and its medical rider can have a wide range because the quotation system comes with the option to adjust the policy sustainability.

7) Best medical insurance in Malaysia - is it Hong Leong medical card?

Hong Leong Assurance commentary

    • Hong Leong Assurance has a separate number of days for ICU coverage (75 vs 150 days), the lowest among those compared.
    • If this is not a deal breaker, then you'll be glad to know it does not have co-insurance or co-payment due to room & board upgrade
    • It also does not have a separate limit for outpatient cancer treatment and kidney dialysis, which is good
    • With the addition of the Million Extra III rider, its annual limit becomes increases to an additional 1.5 million, adding to the already high 1 mil/1.5 mil/2.0 mil original annual limit for Medishield III rider.
    • Furthermore, you can further add on to the medical coverage by extending your medical treatment to pre-authorised hospitals in Singapore, Hong Kong, and China with Overseas Treatment for Selected Surgeries III for surgeries related to Cancer, Neuro, Coronary Artery Bypass, Heart Valve, Organ Transplant (kidney, lung, liver, heart, pancreas and bone marrow)
    • Organ transplant coverage per Annual & lifetime limit is included
    • An extremely flexible medical card where you can configure it as a humble Honda City or a Ferrari/Bugatti if you have the budget. Don't be fooled with just one product by Hong Leong Assurance because it is highly configurable, only matched by Allianz.

8) Comparison table of the Allianz, Great Eastern, Hong Leong Assurance & Prudential Deductible Medical Insurance

note: flip your mobile device horizontally for best viewing or use at least an iPad mini to view the comparison table
Insurer Allianz Great Eastern Prudential Hong Leong
Right >>
Medisafe Infinite+ Smart Extender Max
Medishield III Deductible
Type Rider Rider Rider Rider
End on
100 80 (99
option available)
80 (90,100 option got also) 100 (fixed)
300 300 300 300
per year
150/150 180 days/year
90 days/year 150/75
Pre & Post
days per year
60/150 60/90 60/180 90/90
30000 (lower level
of deductible
include 5,000,
or auto-conversion to
0 deductible
at age 60 can be
150,000 (fixed,
deductible levels
follow Room &
Board rate, cannot
be chosen freely)
20,000 (lowest
deductible level,
other levels
are 50k, 75k
& 100k)
20,000 (lowest deductible
level for auto conversion
to 0 deductible at age 60).
If the next lowest
deductible level (5,000)
is chosen, then you lose
the option to auto convert
to 0 deductible at age 60.
The other deductible level
is 75,000
Co pay
for R&B
Not applicable Not applicable
because no option
for auto conversion
to 0 deductible.
Not applicable
because no option
for auto conversion
to 0 deductible.
Not applicable before
or after age 60, regardless
auto conversion is chosen.
Out patient
cancer RM
Per AL & LL Per AL & LL 1.5 million per
lifetime, shared w/
outpatient cancer
Per AL & LL
Out patient
kidney dialysis
Per AL & LL Per AL & LL 1.5 million per
lifetime, shared w/
outpatient cancer
Per AL & LL
Out patient
stroke RM
No No No No
Out patient
dengue RM
Per AL & LL No 3,000 per event No
Out patient
3,000 per year,
subject to 300/day
& 1 visit/day within
30 days discharge
No Outpatient Physiotherapy
Treatment up to 6k/year
(within 90 days after
Outpatient Physiotherapy
Treatment per AL & LL
(within 90 days after
Out patient
co insure
No No No No
limit (AL)
1.7 million 1.0 million 3.0 million
Life time
limit (LL)
No limit No limit No limit, but total
claim amount
exceeding Med Value
Point of RM 1 million
will be subject to
20% co-insurance
No limit
No claim
10% increase in Initial
R&B every 3 years of
no claim, up to
150% of Initial R&B,
(10/15/20)% Refund
of Cost of Insurance
Paid of Preceding
1/2/3+ Policy Years
No 2% increase in the
initial Med Value
Point every 2 years,
if no claim, up to
Med Value point
being exceeded
15% of insurance charge
in the first 18 months
from the issue date,
alteration effective date,
or date of birth,
whichever the latest
shall be payable
provided no claims
are made
Click HereClick HereClick HereClick Here
extend to
Singapore, Brunei n.a. n.a. n.a.
premium (RM)
1,xxx 1,xxx 1,xxx 1,xxx
Insurer Allianz Great Eastern Prudential Hong Leong


9) Best deductible medical card in Malaysia - which one?

Best deductible medical card in Malaysia - which one is it?

Not having a full medical card after retirement could potentially be deadlier than the silent killer – inflation, when it actually hits. I’ve talked to individuals in their fifties who admitted to me they overlooked of getting their own medical card when they were in employment. Then, just before the mandatory retirement, it struck them – nobody is going to cover his post retirement medical bills.

If you are reading this, then I don’t want this to happen to you. Yet, I know what you are thinking – you probably don’t want to get a redundant medical card while you are covered by your company.

If this is your concern, then Second Medical Card aka Deductible aka Top Up medical card is the best for you. See below

When you are employed before age 60:
It could well be a good complement to your company-provided group medical card.
For example, if your company medical card coverage is RM 30k/year, you could get a RM 30k deductible medical card, with minimum premium (RM 1,200). Which means, only RM 30k and above medical expenses will be covered by this second card. (by the way, the deductible amount is configurable from RM 2k up to RM 30k)

When you retire after age 60:
What it means, when you reach age 60, this health care insurance will convert to become a zero deductible card – which means any medical expenses can be charged under this card – at the time when your company medical insurance coverage ceases. This happens without needing you to prove your health condition at age 60. Besides, it also has:

Cheaper? Yes. Peace of mind when you retire? Absolutely.

10) Understand basic medical card terminologies and why you must get the best health insurance for yourself

health insurance mm2hIf you are totally new to the concept of a medical card or medical insurance, you may wonder:

"What does a medical card cover?"

The intricacies of the best medical insurance is not to be underestimated, especially if you plan to retire in Malaysia for long term. Since health insurance, just like any other insurance, is essentially an unilateral contract, knowing the terms and conditions of your medical coverage is absolutely critical.


To prevent the hassle of dispute with the insurer on what it is not covered or reimbursable when you thought they are covered.

Otherwise, nasty situation like this may happen.

The other health insurance features you definitely want to take note on are:

  • Daily Room & Board rate – determines the type of hospital room you can choose to stay in without topping up the difference. It is very normal to go for a minimum RM 200 R&B nowadays, which could be a twin-sharing room. If you want basic single room or above, a R&B of RM 300 and above is recommended. Upgrading R&B rate higher than what you are entitled for in your health insurance policy may trigger a certain co-payment clause in the insurance contract. This render you needing to share a certain percentage of the total medical bill with the insurer, aside from paying the difference in room & board rate.
  • Lifetime Limit (if any) – specifies the limited sum of medical expenses which can be exhausted throughout the duration of health insurance coverage.
  • Annual Limit (if any) – specifies the limited sum of medical expenses which can be exhausted within any 1 policy year as long as the health insurance is in-force.
  • As charged – covers hospitalization expenses which are deemed medically necessary, and as per reasonable and customary charges according to the schedule set by MMA (Malaysian Medical Association). If a medical procedure was being overcharged by hospital, then you need to top up the difference of amount for which the insurer doesn’t cover.
  • Deductible - an amount that you will have to pay for your medical treatment before your medical insurance plan will begin to pay for you.For example:
    Deductible level of RM 5,000 means when Ali got admitted to hospital and the medical bill costs RM 9,000, Ali has to pay RM 5,000 first before his insurer pays the balance, up to the medical card annual or lifetime limit.
  • Co insurance - an amount, usually in percentage (10%, 20%) of the total medical bill which you have to fork out on your own, regardless of the medical bill amount. The insurance company does not cover for this amount.
  • Home Nursing Care coverage - a public or private residential facility providing a high level of long-term personal or nursing care for persons (such as the aged or the chronically ill) who are unable to care for themselves properly.

For example:

Co insurance of 10% means when Ali got admitted to hospital and the medical bill costs RM 9,000, Ali has to pay RM 900 while his insurer pays the remaining amount, up to the medical card annual or lifetime limit.

  • Last entry age – the last age where you can buy a medical insurance policy. Normally it could be at 60, 65 or 70. Malaysia's first emedic card by AXA has last entry age at 49 though.
  • Exclusions - illnesses or medical conditions that are not covered by a medical card or medical insurance. Common exclusions include pre-existing conditions, specified illness occurring during the first one hundred twenty (120) days of upon policy being in-force (hypertension, cardiovascular disease, diabetes mellitus, all tumors, cancers, cysts, nodules, polyps, stones of the urinary and biliary system, all ear, nose (including sinuses) and throat conditions, hernias, hemorrhoids, fistulae, hydrocele, varicocele, endometriosis including disease of the reproductive system, vertebro-spinal disorders (including disc) and knee conditions), cosmetic treatments, dental conditions, congenital abnormalities, pregnancy-related conditions, AIDS or sexually transmitted disease, self-inflicted injuries, drug addiction, mental or nervous disorders
  • Pre-existing Condition - illnesses that a policy holder has a reasonable knowledge of on or before the effective date of insurance. Policy holder may be considered to have a reasonable knowledge of a pre-existing conditions if he or she had received or is receiving treatment, medical advice, diagnosis...and/or there is a clear and distinct symptoms and/or the symptoms of an illness would have been apparent to a reasonable person.

Also, do you agree that medical costs will carry one or more of the characteristics below:

  • Most unexpected
  • Most unavoidable
  • Possibly long term & recurring
  • Most impactful to retirement nest egg

How impactful, you asked?

For minor condition like cataract or appendicitis, the cost of such treatments may hardly dent your retirement nest egg. But what if major conditions like below hit you?

medical costs in malaysia

Medical costs have escalated around the world and this is no different in Malaysia. Medical inflation averages about 10% each year and is projected to rise due to advancement in medical technology.

11) The Procedures to Utilize a Medical Card

When you want to seek medical treatment due to illness/accident at private hospitals, you should try to go to a hospital that is covered by the medical card.

Hospitals that are covered by the medical card are also called Panel Hospital.

Of course, you still can get admitted to other hospitals, but you will then need to settle in full your medical bill upon discharge and then later file claim to reimburse the medical expenses from the insurance company.

Admitting to a panel hospital saves you these paperworks because the insurance company will pay directly the hospital provided a Letter of Guarantee is issued by the insurer to the hospital upon your hospital admission.

Bear in mind hospital may still need to charge you some deposits upfront to cover for items not covered by your medical card.

In order to minimize any unnecessary delays, it is the norm to follow some pointers below as part of the claims process:

  • Before undergoing any non-emergency medical treatment, call the customer care helpline of your insurance company and confirm whether your doctor’s proposed treatment is covered in your medical insurance policy and whether your hospital of choice is panel hospital
  • Request your doctor or specialist to fill in and sign your claim form. He or she may charge a small administration fee which may not be covered by your medical card
  • If you are admitted to a non-panel hospital, remember to submit a written notice to your insurance company as soon as possible, or within 30 days of the treatment period if you are diagnosed with a condition or illness that is claimable under your medical insurance policy
  • Attach all filled claims documents with the original bills and receipts, full doctor’s reports, physician’s cost summary of treatment and referral letter, if any.

Understand the Common Reasons your Medical Claims can get Rejected


12) Review of Smart Medi 2.0 Lonpac standalone medical card

(no longer available)

lonpac teh hong piowYou may not have heard of Lonpac Insurance but it is a wholly owned subsidiary of LPI Capital, a public listed company in KLSE since 1993. It was registered as an approved insurer on 9 April 1963 under the Malaysian Insurance Act, 1963.

LPI Capital, as the associate company with common directors as Public Bank, is helmed by the one and only Tan Sri Dr Teh Hong Piow as its Chairman.

By the way, I don't think I need to stress the importance of having a medical card even if you are employed and your employer provides for you. Look at cost of medical procedures here.

A) Medical card that provides annual health screen tests

Most people want to fake an unnecessary 1 day hospital admission just to undergo health screening tests at hospitals. Truly, it is not recommended to do so because minor 'claims' like this will raise red flags in the eyes of your insurer when you need to upgrade your medical card benefits in the future. Not to mention it is unethical to do so - doctors who are doing this included. Therefore, anyone who have done this before or are thinking of doing this, you don't have too because Smart Medi 2.0 gives you a complimentary comprehensive health screening test.

52 best medical card screening

We like the concept of prevention advocated by this medical card, especially when it also includes cancer marker tests.

52 best medical card cancer marker

B) A Medical card with built in cash allowance for private hospital

It is customary for a medical card to pay a daily allowance for confinement in government hospital. Cash allowance for confinement in private hospital is an add-on feature which costs extra premium costs. See what I mean below - a standard clause in any medical cards in Malaysia.medical card cash allowance

Smart Medi 2.0, on the other hand, provides RM 500 per day for hospitalization even in private hospitals; starting for 3rd days onwards.

best medical card hospital cash income

C) A Medical card with unlimited days a year, even in ICU

We don't hope this will ever happen, but if it does, you'll have no concern in this area. Here's how most medical cards benefits are structured when it comes to number of days in normal room & ICU.

medical card room ICU limit

This is how Smart Medi 2.0 benefit is structured.

best medical card unlimited days room

best medical card unlimited days ICU

D) A Medical card with high annual limit & no lifetime limit

No lifetime limit is nothing to shout about really since the past 2 years; AIA medical card products have been having this feature aeons ago.

The annual limit is the one that matters because it 'resets' every policy year.

Selected few medical card in the market now have NO annual limit while some already going into the path of offering High annual limit which almost corresponds to their lifetime limit, if any.

Therefore, an annual limit of RM 650,000 is above average.

best medical card no annual limit

best medical card annual limit

E) A Medical card with most, if not all hospitals

Check if any of the private hospitals are near your place of residence.

best medical card panel hospital

F) A Medical card with affordable annual premium

Standalone medical card is for those who need medical protection for themselves or their loved ones, but are tight on budget. It starts out with a low premium.

However, bear in mind that this is a standalone or term medical card, just like AIA A Life Med Regular, whereby the annual premium is set to increase every 5 years age band, unlike medical rider.

Watch below for the difference between a medical rider and a term (standalone) medical card, or read it here -

What You Should Know When Buying Standalone Medical Card Vs. a Rider and Make the Right Decision

Furthermore, compared to guaranteed renewal clause in medical rider, some standalone medical cards have conditional renewable clause whereby - if you are hit with a long term/ critical illnesses, insurer will likely impose unfavorable terms & conditions like premium loading, coverage exclusion from the illness and even rejection at your next renewal cycle. Think of it like renewing your car insurance after a major accident.

On the other hand, rider medical card is confirmed to have "Guaranteed renewable" clause whereby as long as you pay for the policy on time, insurer is obliged to renew the policy (provided the lifetime claim limit, if any, has not been exceeded).

For both types of medical cards, cost of insurance or insurance charges, however, is not guaranteed. That means insurer can hike the insurance charges which may affect your premium directly or indirectly. This scenario normally requires approval from central bank and it affects every policy holders having that medical card (does not discriminate or single anyone out)

Now It’s Your Turn

Phew! We put A TON of work into this guide. So we hope you enjoyed it.

Now we’d like to hear what you have to say.

Which medical card feature that is the most important to you?

It is Annual Limit or Hospitals Room and Board rate?

Or something else.

Let me know by leaving a comment below.

About the Author

CF Lieu is an independent financial adviser (IFA) with CFP qualification and licensed by the Securities Commission of Malaysia to conduct regulated financial planning activities and charge a professional fee for it.

CF Lieu is also listed under Featured CFP Professionals in his professional association website – FPAM (Financial Planning Association of Malaysia). Only advisers with the highest calibre and credibility are displayed under this list.

Also check out, the best medical insurance for senior citizens in Malaysia

Plan Medical Card Terbaik -

Best Takaful Medical Card in Malaysia

Get exact medical card price Malaysia HERE

Which medical card is the best in Malaysia? There's no such thing, here's why

Best medical card plan for family in Malaysia? Get your advice here

This Post Has 192 Comments

  1. Dear CF,

    A very good afternoon.
    Just a quick question, is it possible for a Malaysian to purchase medical insurance from BUPA Healthcare ? I have noticed that they are present in S’pore. What about here in Malaysia?
    Thank you very much.

    1. A very good morning.
      Question to your question – is there a good reason you can share with us on why you want to purchase medical insurance from BUPA Healthcare specifically?

  2. Hi Lieu,

    Currently I have the following policies from different insurers:

    1) GreatEastern – Supreme Multicare Wholelife with Cash bonus (Sum assured 50k) – cover ends at 2078 – currently premium is paid using the cash bonus, else annual premium is RM897.50
    2) GreatEastern – Supreme Livingcare Wholelife with Cash bonus (Sum assured 50k) – cover ends at 2078 – currently premium is paid using the cash bonus, else annual premium is RM1065
    3) Prudential – PRUlink assurance account (Sum assured 60k) – expiry/maturity 2079
    with PRUmajor med 2 Benefit RM100 R&B – annual premium RM3760.12
    4) AIA (previously ING) – Premier Lifestyle (Critical Illness) (Face value 70k) – annual premium RM1720

    My current company also provides insurance coverage as long as I’m employed with the company:
    Group Term Life (employee only) – Sum assured 600k
    Group Personal Accident (employee only) – Sum assured 250k
    Group Hospital & Surgical (employee & family) – R&B 250 + 70,000 MME
    Medical outpatient (employee & family) – Employee unlimited, family shared of 1.6k annually.

    Do you think I should surrender some of my personal policies and consolidate into a single provider?

    1. Kelvin that’s TMI (too much information) you are revealing over here. It isn’t possible to answer you in one paragraph due to the complexity of the insurance portfolio you have.

      If you are serious in getting non-biased second opinion, head over to HERE

    2. Hi CF,

      Thanks for your comprehensive review. My husband currently has a very comprehensive company insurance that covers him and myself. We don’t have personal medical insurance and are concerned that as we age the premium will become higher. I had a preexisting condition of hyperthyroidism but I’m stable now. We are both 26, non-smokers. May I get a recommendation for the medical card that we should get? Should we get the deductible or just normal rider medical card?


      1. ST, well you are just 26…to answer that question, you’d have to ask yourself if you and your husband is going to stay working in that company (with very comprehensive medical plan /insurance) until 60…and also whether the money saved from getting a deductible medical card vs full medical card means anything significant for you

  3. Can we have an appoinment for ask more details, I stay at Klang.

    1. Loh, we’ve replied you directly via email.

  4. Hi Mr. Lieu,
    I am 39, will be 40 by 15th-Sept’19, a Malaysian working professional in Singapore, healthy, non-smoker, insured by company in Singapore with 10/90% up to SGD 18K (RM54K) per year. I am looking for a suitable and reasonable premium medical card with or without deductible at RM5K up to 45 to 55 years old. I don’t mind to have annual limit in between of RM75K to RM150K but lifetime limit should be adequate to no limit, coverage is guaranteed renewable up to 80 or 85 years old, kidney dialysis coverage and organ transplant cost should be able to be covered by the card up to 15 to 25 years.

    1. Understood, Kent Lee. So what do you want to do from here?

  5. Hi,

    Currently i am using Prudential Flexi Med and paid a monthly premium of RM 258. The coverage is relatively low now with annual limit of RM 120,000 and a life time limit of 2.4mil. I bought this plan in the year 2015 and never make any claim before.

    I was thinking of changing to current AIA plan that everything is much better than my current plan. I would want to cancel the Prudential plan and transfer all the cash value into AIA.

    Do you think this is a wise move? What impact will i be expecting and is there any loss on myside.

    1. Alvin, have you explored upgrading the newer Prudential medical card, like PruValue Med or PruMillion Med first? If no, WHY? If yes, then why do you think switching to other insurer is better?

  6. Hi CF,
    I am 63, with high blood pressure and high choleterol treated for 13 years, well controlled. I am coming to Malaysiaunder MM2H. Though people over 60 need not submit evdience of medical insurance for MM2H, I am thinking of getting a medical card.
    1. Does this mean I must get a ILP before I can buy a medical card? (I read your aadvice above not to get a standalone medical card).
    2. Is it likely that any insurer will sell me mecial coveraage even with my preexisting conditions EXCLUDED?

    1. Andy

      1. Yes, the medical card is package under an ILP
      2. Could come with exclusion or premium loading, or BOTH, depending on how severe is your high blood pressure/high cholesterol. Depends on underwriting. Without submitting an application, you wouldn’t know 🙂

      1. Thanks CF! Will engage your services when I settle in in PJ.

  7. I’m currently holding Zurich FlexMed 2 PLUS – Plan 3 for Annual Limit of RM 175,000. I looking for more higher coverage as my mother have endometriosis & breast cancer. I’m 44 years old and smoker. Last year around Sept 18, I have done a gastroscopy and colonoscopy at Pantai Cheras which all result are normal. Beside that, I have done a neck ultrasound as the dr detect a nodule at my neck (result found few nodules) but the thyroid blood test is normal range. My question is should I declare my neck ultrasound which my thyroid blood test is normal? Secondly, which medical card is suitable for me as I prefer the higher coverage per annual and Unlimited life time limit. Pls advise me which insurance plan should I have as I think the coverage per annual of RM 17500 is too low for me. FYI, my monthly premium is RM 400. Thank you.

    1. Yes Pauline, usually you will be imposed exclusion with the presence of nodule at neck. Your best option now is to have a high deductible medical card to cover for the shortfall in the annual limit.

  8. An outstanding share! I have just forwarded this onto a friend who was doing a little homework on this.
    And he actually bought me lunch because I found it
    for him… lol. So allow me to reword this…. Thank YOU
    for the meal!! But yeah, thanx for spending the time
    to talk about this subject here on your website.

  9. 1. “Hong Leong Assurance is the second contender to the best deductible medical cards in Malaysia, but it is twice as expensive although it comes with 1 million annual limit and no lifetime limit.”
    But when looking at the table, no limit belongs to Great Eastern.
    Which is which?

    2. For a deductable, Allianz seems good but there is a very low annual limit. So in the future when we convert the plan, would this limit be too low? shouldnt we get a deductable that can convert without an annual limit?

  10. Hi Mr. Lieu,

    I am looking a medical insurance plan for my brother who resides in Kuala Lumpur. Can you please provide me with your contact information and email address so that he can contact you for information about medical insurance coverage.

    Thank you.

    1. Mona, we’ve replied you via email.

  11. Nice! this weblog is wonderful and I love reading your articles. There’s actually a lot of individuals are searching around for this information, you could aid them greatly. Very good work, Keep up the great work.

  12. Nice! this weblog is wonderful and I love reading your articles. There’s actually a lot of individuals are searching around for this information, you could aid them greatly

  13. Hi there,

    How is everything?

    I thought you might be interested in some thoughts I have for combining a number of online medians to drive more leads to

    Just a curious thought: Would you be open to checking into some strategies I have in mind for significantly increasing visitors/clients from your site? We can be like your in-house, professional marketing arm.

    My analysts incredibly tenured in the industry, and are knowledgeable in your line of business. Would it be OK to have them give you a quick call at ?

    Mckenzie B.

  14. Hi there,

    Question: What if was losing key leads/traffic you may have overlooked?

    I work with some exceptionally bright consultants. Would you be open to having them show you how that could be happening?

    All Id need to know is the best time/phone number to have them quickly connect with you


  15. Hi Danny K ,
    The best way you have shared on this page about the world health day live healthy ,But the main reason we chose this theme was because having an inadequate lifestyle can conduct to the developing of different diseases: diabetes, obesity, cardiovascular diseases, depression and many others.

  16. Hi CF, great article for newbies like me. I’m in the midst of looking for a medical insurance card for me and my spouse. I have a few questions i hope you can help explain.

    1. I’m confused about the no claim bonus. If compare Allianz and AIA does it mean that after 10 years assuming no claims, AIA AL will increase to RM1.91m while Allianz AL maintain at RM1m? And Same for R&B AIA will increase to RM746 while Allianz will only increase to RM399?
    2. If taking insurance with high AL like RM1m, how important is it to have AL no claim bonus?
    3. For Allianz co-pay R&B upgrade, does 20% apply to the price difference for the upgraded room or total R&B cost?
    4. Is there any difference between taking individual plan vs family plan?
    5. What is the cheapest age to take medical insurance for my <1 year old son? Is it true that young children premium are more expensive than 18-21 year old?
    6. If a person has stopped smoking for a few years, is it considered smoker or non-smoker premium?

    Appreciate your reply. Thanks in advance 🙂

    1. Allianz do not hv life time limit and they do hv claim bouns for R&B

  17. hi Mr Lieu,

    i have gastric/maybe asid reflux. I have been taken medication from private hospital for a year now however i never been hospitalised or diagnosed with those. Is this consider a pre existing condition. If so, is there any plan that covers this disablity?

    1. Yes, Farah. Likely will kena exclusion regardless of any insurer

  18. Wow, is a very good comparison, but the info is not 100% correct, hope u can advise ur client correctly 🙂

  19. Hi, Mr Liew, I’m looking for medical card ..age 27,single,non-smoker with hyperthyroidism issue..Any insurance company that will not exclude this sickness? Thank you.

    1. Hi Chee. Try Hong Leong Assurance. I used to help one client. Managed to get covered.

  20. Ho can you say Alliance standalone medical card is better. Have you looked at AXA Affin

  21. Hi, can I have a quote from you as well?

  22. Hi. I’m looking for a good and cheap medical insurance for my son who is 2 years and 10 months now. Could u pls send me the best quotation? Thanks.

  23. Hi Mr Lieu,

    How about term life insurance,can you recommend which company offer the best & affordable term life insurance available in Malaysia?

    I have a medical insurance / investment linked plan.quite comprehensive but low sum assured. couldn’t afford the high premium if i wanna upgrade the sum assured.
    So i am thinking to get a term life insurance for better sum assured at lower price.can accompany with my medical card.what is your opinion regarding this,appreciate if u can share your thoughts,perhaps improvise my plans.thanks.

    1. Term insurance pricing does not differ much among insurers, and certainly the T&C of coverage are pretty standard. Whichever convenient for you, just take that.

  24. Hi Lieu,

    I’m 28years old female. Single, non smoker and no health issues to be concerned of.. Will appreciate your advice on the type of card to subscribe to.. Tq

    1. Anything goes! You can go for the lowest cost medical card

  25. Hi, can the medical card be bought standalone or is a rider?

    1. Mostly rider, standalone only few options

  26. Hi Lieu

  27. Hi I am 30 yrs old single lady. Would like to purchase medical card, hope can talk to you personally.

    1. Kelly, pls check your email.

  28. Hi, I am looking for a good and cheap medical card for myself and my daughter. Could you please advise? Details as below:
    Me: Age 47, non smoker, healthy
    Daughter: 13, student

    BTW, any company offers family package for medical card?

    Thanks very much

    1. Ng, please proceed to HERE to get your question answered.

  29. Can you give me the quotation for a rider medical insurance under allianze?
    Age 37
    Non smoking

    1. Sure, please head over to HERE

    2. Hi, Thanks for your informative sharing. However I read the Allianz medical brochure, it stated that policy holder will have to pay 20% co-payment (Plan 200) once total yearly claim had exceed RM100K. This is the biggest concern of me that not taken Allianz card. Because RM100K is relatively low when come to dread disease treatment, and I will have to pay 20% which it could be significantly high base on nowadays sky high medical charges. Could you please help to advise on this if my perception is wrong. Thank you.

      1. Siow, the 20% conditional co-payment clause only kicks in if the Life Assured elects to or is referred by the attending Physician to be treated outside Malaysia AND the total amount of claims for a Policy Year is more than 100k (for Plan 200).
        These 2 conditions both need to be present.
        Furthermore, the 20% is on the claim amount exceeding 100k (for Plan 200), not on the ENTIRE claim amount.
        Lastly, this Conditional Co-Payment is not applicable for medical treatment received by the Life Assured in Malaysia.

  30. Hi,

    I am going to turn 26 by August and I have not attached to any insurance plan except medical insurance by company.

    I worked just a year, no health condition to be concern, a single female, non smoker no drink alcohol etc, could you please advice on insurance plan?

    Is medical card standalone and I need to purchase different plan for saving, critical illness, and medical card etc?

    Or any other better suggestion based on my profile?

    Thanks in advance

  31. Hi Lieu, would like to buy a medical card – investment link for my parent age at 60. any suggestion? Tq

    1. Ms, what is your budget for a start? To short list only the options which fit your budget

      1. RM1000 for both, possible? im thinking the Lonpac SmartMedi 2.0 too if premium difference much

        1. RM 1000 yearly or monthly you mean?

  32. Hi, Mr . Lieu. I would like to buy medical insurance for my 4 months daughter. Any suggestion?

    1. Hi Lingling, is there any pre-existing condition for your 4 months old baby? Congrats, by the way!

  33. Hi Mr. Lieu,
    I hope you could help me to choose the best medical insurance plan for my 18 months old boy where my biggest concern is the medical card. The main purpose of buying him an insurance is to protect him at his age now even in the future, from any childhood diseases to adulthood illnesses which required vast treatment cost. I’m in dilemma between Allianz with the advantage of outpatient CA Rx which specifically states, in the quotation, to include consultation, examination tests and take home drugs for outpatient treatments or AIA with its additional attractive coverage on top of cancer treatment: Organ/Bone marrow transplant (receiver only). My budget is around RM200.

    One more thing, I am currently covered by company insurance. However, I would like to consider taking up a deductible medical insurance as well. Which would you recommend? I am 32 years old, female, non-smoker.

    Lastly, do you have any idea on the company reputation or customer service rating? This is utmost important because regardless how comprehensive and cheap is one plan, if the service is not up to standard, after all, you gain ZERO benefit from that insurance company.

    1. Chen, we replied to your questions just now. Please check your email.

  34. Hi. Very interested in the lonpac smart medi 2.0 medical card. Please email me. Thanks

  35. I’m looking for a medi card for my hubby. He is aged 39, non-smoker, obesity. No any medi card previously.
    Any plans recommended? And also premium too.

    1. Cany, have already emailed you.

      1. Hi i’m looking for the best medical card for my boyfriend and i. He is 24, a smoker, no medical coverage by the company he works for, and a rider. I am 22, a student, non smoker, no medical coverage, and i drive too. Our budget is around <=100. May i know which one is the best one ?

  36. Hi looking for medical card policy for my hubby 50years, me 43 and my 2 kids 14 and 9years. Kids with Education benefits, medical card which covers outpatient fee too.

    1. Jaya, have already emailed you.

  37. Hello ChingFoo,

    My husband is applying for MM2H and expected that the result will be out soon. I am therefore looking for the most appropriate health insurance for my family of four (my husband and I are above 55 years old, and we have two teenagers). Our situation and criteria of selection for coverage are somewhat similar to Imrana. I am interested in getting your advice, please. Grateful if you could send it to my private email.

    Btw, we are still covered under company health insurance (a Swiss insurance company), but the coverage will end in a couple of weeks. Would transferring the coverage to another health insurance be beneficial? If so, how?

    As we travel overseas frequently, do you think it would be better to consider an international health coverage? Or a local one is sufficient?

    Thank you in advance for your time and reply.

    1. Noni, just sent you a direct email. Please check. Thanks

  38. whoah this weblog is great i like reading your articles.
    Stay uup the great work! You understand, lots of individuals are searching round for this information, you could aid
    them greatly.

    1. Thank you for your kinds words Lavina.

  39. Hi CF,

    If I want to buy a medical card for my son who only 22 months with additional education fund together, Is there any recommendation insurance company provided this kind of insurance? Any suggestion from you? Thank you very much for your advice in advance.


    1. Sharely, every insurance company provides this type of plan. The question is – which one is the best for you, fitting your requirements and budget?

      1. CF, thanks for your replies. I got solutions for this. One more question, if I plan to buy another 500k life insurance under my husband name, but he refuse to buy it as he already have a medical card with 100k life link, disability care 100k, critical care 100k,accident shield 100k,disability cash 10k, medbooster plan 150 and waiver extra. Do you suggest me to buy that 500k life insurance if he is not around anymore? That 100k enough for future use? FYI – we have 1 kid currently and AL is 1,000,000 with unlimited LL. Thanks for your reply.

        1. Do you need 500k to settle debts under your husband name if he dies? I think you are confusing yourself with the purpose of life insurance and medical insurance.

          1. Don’t need actually. Yeah, I have a little bit confusing about both insurance, are you might to brief clearly?

  40. Hello Mr. Lieu,

    I am a foreigner and recently obtained MM2H, hence will be living in Malaysia now. This means I need a health insurance and prefer a standalone (not rider nor deductible). Would you have a comparative table as shown above on riders but for standalones ? I am 50 years old and need to apply for an insurance for myself, wife and daughter. At 55 a rider is not so interesting anymore as premiums are quite high already.
    I have looked into several insurance plans from different companies, and realize each have different pros & cons.
    In the end, I have a selected Standalone and non deductible Lonpac Medisecure Centurial Plan 8, but I would like to see if you would have a better suggestion please.

    – Type : STANDALONE
    – Cover up to age : 90 or higher
    – Daily room & board rate RM : 300 or higher
    – Daily cash allowance in private or public hospitals RM : 200
    – Death & TPD amount (RM) : 20,000 or higher.
    – Lifetime limit : None
    – Annual limit per disability : None preferably
    – Annual limit RM : 200,000 or higher
    – Free annual health screen tests : Is a plus.
    – Renewal terms : Guaranteed renewal unconditional
    – Max R&B/ICU intensive care unit Days per year or Days per disability : None preferably (as charged but within annual limit is fine)
    – Intensive care / Ambulance Fee / Surgeon fees / Anesthetists fees : As charged
    – Pre & Post Hospitalization days per year : 60/60 or higher
    – Co insurance : No
    – Co payment for room & board : No or less possible
    – Outpatient cancer treatment & Outpatient kidney dialysis : As charged but within annual limit is fine, separate package for these welcome.
    – Outpatient stroke RM : Seems quite uncommon so open to suggestions
    – Outpatient dengue treatment RM : As charged but within annual limit.
    – Outpatient alternative treatment RM : As charged but within annual limit.
    – Outpatient co insurance Home Nursing Care
    – No claim in the year (discount) : 10% or more every 3 years sounds good -OR- 15% cash back on premium is even better.
    – Cashless : Yes
    – Coverage extend to : WORLDWIDE for 90 days in case of accident or sudden serious illness and based reasonable & customary prices
    – WATING PERIOD : Immediate if accident, else 1 month (excluding specified illness = 4 months)
    – DENTAL & EYES covered : Yes in case of accident
    – FUNERAL EXPENSES RM : 3,000 or higher
    – Discounts for family (spouse, children) RM : -200 spouse or higher & -50 per child or higher
    – ANNUAL PREMIUM (RM) FOR 1 HEAD next birthday 51 years old Male RM : 2,078 or less
    – Annual premium FAMILY (DAD 51 MOM 52 + 1 CHILD 12 YEARS) RM : 4,947 or less
    Projection 20 years :
    – Standalone Annual premium FAMILY (based on current price list & excluding inflation) : DAD 61, MOM 62, CHILD 22 RM : 8,570 or less
    – Annual premium FAMILY PARENTS ONLY AT 71 & 72 YEARS OLD RM (based on current price list & excluding inflation) : 13,048 or less

    Let me know if you have something more interesting so I can proceed with official request.

    Also I was wondering if it is compulsory to apply via an agent or if one can apply directly and get a cheaper rate, since agents represents a cost of 15% on the premium just to fill in a few papers.
    Perhaps however a good agent serves you well afterwards when you get sick (?). Please advise.

    Finally I have been benefitting from a corporate life insurance with AIG for the past 15 years (abroad). Does it serve me in any way to be able to show a certificate at this point, now that I have left the company and the coverage has ceased ?


    1. Hi Imrana, you just broke the record for the longest comment in this post. So congratulations! 🙂

      Anyway, when it comes to insurance, the reason the premium is cheap must be due to certain reasons. This is actuarial science, so we can’t really beat actuarists. When you think you get a better end of the deal, think again and you will realize you miss something.

      In your case, the annual limit of 200k is way too low compared to current market standard.
      A decent medical insurance would have anything close 1 mil annual limit.

      Secondly, standalone medical card is cheap…at the start. It’s premium rate increases every 5 years age band. I look at Plan 8 of the plan you mentioned, and do you realize you’d have paid a total of RM 144k until age 80?

      At your age, Male 51 years old, a typical rider type medical card would costs 4,500 to 5,000 per year. Let’s just take a median number – 4,800. Yes, it is 2.5x higher than a standalone medical card now but remember the premium for a rider medical card, if designed properly, will stay flat throughout the next 30 years.

      Basic maths = 4800 x 30 years = 144k. This worked out about the same total premium paid compared to standalone.

      That’s the power of actuarial science. See what I mean?

      The question now is, when you are at age 76, will it feel painful to pay 4800/year or 8,548/year? The answer is obvious.

      The only time a standalone medical card make sense and worth it is that when you are

    2. Young, lack of budget but will upgrade when your income improves (not applicable to you)
    3. You only expect to live for a short number of years before kicking the bucket
    4. You expect to be in Malaysia for a short number of years before moving back to your home country or another country
      1. Hi ChingFoo,
        Sorry for my previous loooong message 🙂
        And thanks for your detailed reply.
        Now here are a few facts based on pure maths / financials …
        I agree a rider is not “wasted” money in the sense that part of it remains available to the susbcriber (to be cashed out or used for premiums payment), and also the premium amount remains the same in time and is not/less subject to inflation or insurer premiums revision every 5 years or so.
        However my budget is 5 to 6,000 RM and if I count a family budget (myself 51 + wife 52 and daughter 12) I could simply NOT find a decent rider on the market for less then 12K per year. Standalone lonpac walk-in (no agent) premium cost for all 3 is 5,295.
        So here are the maths …
        1) 12K x 30 years = 360K.
        2) Standalone using age range premium table x 30 years = 325K. Adding 10% inflation/revision (probably conservative) means 356K.
        In the meantime I am able to save and put aside 5 to 7K per year.
        My standalone premium will only reach the 12K rider premium level in approx 18 years.
        400 R&B per day is decent and my concern is indeed the annual limit as 260K in 9 years might not be enough.
        So bottom line … if you do have a rider for family ages 51/52/12 at 5 to 7K max please let me know. I need to subscribe immediately for my MM2H.

        1. Imrana, please check a private message sent to your gmail, in reply to your requests. Thanks

        2. I cant get it that the advisor is advising to pay 4800 every year. And then question whether it is painful to pay 4800 or 8548 at age 76. At age 76 probably the person could be already dead years ago, and would not have paid as much as the sum total of 4800 annually. Also, the balance of 4800 and whatever lower value that is paid at age 50s can accumulate FD interest at the bank. What a advice

  41. Tolonng ck insuran untok i bulan berapa 8.1.1981

  42. when we get retired, most of the company will not cover the medical card for us anymore. From there on, which medical card is the best suit for retiree?

    1. Well Ainie, the best suited medical card for retiree is the one which fits your budget. Start with an allocated budget and then source for the best ones which fits into your budget here >

  43. Hi Ching Foo,

    I am looking for cheaper and good coverage for my family.
    My husband (aged 40) have been paying Prudential for the following :-

    Plan 1 Prulink
    RM 333 monthly covers RM 150,000 Life and RM 150,000 36 illness. RM100,000 accident.
    Room is RM 200,
    RM 75,000 annual medical
    RM 750,000 lifetime limit up to 75 yeas

    Plan 2 Prulink Million
    RM 690 monthly covers Rm500,000 life, RM500,000 36 illness

    Plan 3 Prulink One
    RM 292 covers life RM400,000

    Is there any other products that offers lower premium but higher coverage similar to the current 3 plans??

  44. My hushand 52 years old. He want Personal Accident insurance. Most of insurance Company not covered at this age. Recently he surender 1 policy (Medical Card) with MCIS due to premium increase from 200 to 390.00 which I can’t afford to pay. Now he don’t have any insurance to cover him. He using motorbike to work. Please help to check for me. Currently I got apply with AIA insurance but still pending without any confirmation.

  45. I am 22 years old and bought ILP SMX150+SE90k more than 1 year.
    SMX150 – 90k annual limit
    SE90k – 900k annual limit

    If I use 150k for my operation(all valid charges) on 12-Oct-2017, will it be SMX150(90k) + SE90(60k) paid by insurance company?

    Based on my policy, deductible definition is eligible expenses incurred for all insured benefits accumilated in any Policy Year is subject to the Deductible whereby You will be responsible for paying the Deductible amount as stated in the Schedule of Benefits. The Company will reimburse the balance of the Eligible Expenses in excess of the Deductible during any Policy Year, subject to Clause 6.10(Reasonable Claims and Customary Charges) and the Overall Annual Limit below.

    I am worried if 60k need to pay by own pocket and reimburse back from company within 30 days. Where can I find the 60k?

    1. Cliff, total amount will be paid by insurer. That is why you can’t buy SE90k without first buying SMX150 (which covers the first 90k).

  46. I really confuse with deductible/extender/booster. Example below, I bought SMX400+SEK200k.
    SMX400 – 200k
    SEK200k – 2million

    If I use 300k for my operation on 2017 and SMX400 cover my 200k. For SEK200k will pay for my balance 100k but is that (SMX400)200k will straight away pay by insurance company but for balance 100k i need to pay by myself and claim from insurance company later? If this is the case, how about if my operation is 1million? 200k will pay directly from insurance company and i need to find 800k before I can claim from insurance company? Kindly clarify my doubt. Thanks.

    1. Sorry, is SEM200k instead of SEK200k. Can help to amend? Thanks.

    2. Tan, if your operation costs 1 mil in any single year, based on today’s medical costs, you die already.

    3. ChingFoo Lieu,

      Thanks for your reply. If this is the case, why don’t it combine 90k+900k into one page of benefits as it is same as 990k for single policy? What is the different between 990k and 90+900K(deductible) policy?

      1. Because not everyone can afford 90k+900k. If you only buy 90k, then it is cheaper of course.

        1. Thanks for your reply, Lieu.

          Actually, I means 990k policy compare to 90+900k(deductible) policy. If u buy 990k benefit is damn much higher compare to 90+900k(deductible) benefit. 990k COI can be 4-5k but SMX150 – 90k COI-RM500++ and 900k(deductible) only COI-RM100++ for 22 years old adult. Many thanks.

          1. Well Cliff, that is a good question for GE actuary 🙂

    4. Sorry, click on the wrong row. Please see my comment. Thanks

      ChingFoo Lieu,

      Thanks for your reply. If this is the case, why don’t it combine 90k+900k into one page of benefits as it is same as 990k for single policy? What is the different between 990k and 90+900K(deductible) policy?

  47. Dear all,is Allianz MyHospital Cash worth to buy? thank you in advance~

      1. hi, I’m just reading about medical cover. I have idiopathic scoliosis, which is now causing problems with profusion of discs etc, I’ve read in the cover that pre existing conditions are not covered?? the scoliosis is pre existing but the problems it’s causing now are recent?? how would I stand?

  48. Dear Mr Lieu,

    I have bought LonPac Medi Savers 2015 350plan last year and it is almost due for renewal. I’m sceptical about renewing because I have discovered the following clause in the terms and conditions and thought I might be shortchanged.

    1. Specific Outpatient Treatments per annum RM36K for cancer treatment. I paid for Top-UP to RM120K/annum. However, in order for the top-up to kick in, I shall have to fully utilised my Per Disability Limit of RM150K (Overall Annual Limit RM450K) first, right?

    The scenario that got me questioning is if I am diagnose with leukaemia, for discussion sake, which doesn’t require surgery, then I may not be able to fully utilise my RM15Ok PDL. But I do need outpatient treatment for my conditions (chemotherapy, etc ) so RM36K might be insufficient per annum, but at the same time I cannot utilised my top up of RM120K due to the following 90 DAYS clause because it is not a new disability:-

    ANY ONE DISABILITY shall mean all of the periods of disability arising from the SAME CAUSE including any and all complications there from except that if the Insured Person completely recovers and remain free from further treatment including drugs, medicines, special diet or injection or ADVICE for the condition) of the disability for at least 90 DAYS following the latest date of discharge and subsequent disability from the same cause shall be considered as though it were a new disability.

    Could you please advise if my concerns are justified and if I will logically be ever able to claim up to that TOP-UP amount mentioned? The other top-up is to for Per Disability Limit at RM500K.

    Looking forward to your professional input on the above and I thank you in advance for your time.

    1. Yes Merina, if outpatient kidney dialysis/cancer coverage is your concern, then medical policies from Lonpac isn’t exactly what you want due to the low (and separate) sub-limit for outpatient kidney dialysis/cancer, without the ‘top up’.

      The other company with this kind of separate sub-limit for outpatient kidney/cancer is another insurer ‘A’ with red color logo.

      Nonetheless for others, this may not be a concern and given the fact that, there isn’t much standalone medical card in the market. Most insurers don’t focus on standalone medic card. There is no perfect product in the market, only the product that suits you and covers what’s important for you, per your budget.

      Of course, for discussion sake, if you have unlimited budget, you can even buy medical cards which covers medical fees in SGD. It’s a tradeoff…you see.

      The solution to your concern is to get a medical policy where the outpatient kidney/cancer is lumped together with the overall annual/lifetime limit, instead of a separate sub-limit. If you want to compare the features and costs, then head over to here >

      Hope that helps. Cheers

      1. Dear Mr Lieu,

        Thank you very much for your timely advise.

        I have done a comprehensive medical examination to ascertain my risk of cancer, etc and the report came back with a clean bill of health. So I’m going to stick with this MediSavers plan for now because of my low health and hereditary risk of contracting cancers or any of the terminal diseases for these few years. I shall revisit my options in the next few years and see.

  49. Investment link with medical card

    ROOM RATE : RM200
    Annual limit of RM 1,000,000
    Unlimited life time limit
    Age cover up to 90.
    Next age 10 years old female
    Rider :
    Insured waiver benefit ( if diaognise with TPB / Critical illness, premium will be waived until age 99
    with benefit still in-force).

    Budget : MAX RM 2000 per annum

  50. I’m looking for medical card for my parents, 65 and 69 years old respectively. Any recommendation?

    1. Kelly, the recommendation is already in this page. What else do you require?

  51. hi there,

    the GE SmartMedic Xtra 99 has 2 portions attached to it. the first portion (not sure the name) has a lifetime limit of RM1.2M + annual limit of RM120K. Smartmedic extra 99 is the 2nd rider on top of it. this is bad because after the first rider (the one with RM1.2m lifetime limit), one needs to fork out the first RM120K before being able to claim for smartmedic xtra 99…can u confirm this?

    thanks. Joseph (concerned insurance buyer)

    1. Joseph, you don’t buy SmartMedic Xtra 99 without first buying SmartMedi Xtra itself.

  52. Mr CF Lieu
    Any comparison for Takaful Medical Card?

  53. Hi ChingFoo Lieu,

    pathlab is the main distributor Lonpac..does that the main reason that the agent no need to take exam same with other insurance provider?


  54. dear ching foo,

    I heard that Pathlab is selling the medical insurance (Lonpac) and renewable until 100.
    I heard that Pathlab is only a corporate agent with Lonpac. If one day, pathlab decide not to sell the medical insurance, than may be I cannot renew it and If I go to Lonpac to renew the policy, they can say Pathlab is more our corporate agent

    Thank you

  55. Dear CF,

    Thank you for all this information. Really appreciate your good work.

    Best regards,

  56. Hi sir, just asking for the opinion in selecting product type by having about the same premium amount yearly.

    (1) Having medical insurance (standalone) + life insurance from diff insurance companies.
    (2) Having medical insurance (rider) which including ILP.

    What’s the pro & con for these options?

    1. Your question is too general, show me real figures and quotations you got and I can answer you the pros and cons.

      1. Hi, Im looking to ask for a quotation from AIA, Allianz & Lonpac. Is any agent contact person that I can refer to? Thanks!

        3 types of products enquiry
        (1) Medical insurance (standalone)
        (2) Medical insurance (Rider, ILP)
        (3) Purely life insurance

  57. Hi~ I wonder is there any insurance cover Bariatric surgery? Thanks

    1. Vinnie probably not because it is usually not medically necessary

  58. Hi CF,

    I’m very interested to buy Lonpac SmartMedi 2.0. Can you please give me your contact number?


  59. Hi, notice that Great Eastern SmartMedic Xtra got a clause saying that the “company can terminate this rider if the Company withdraw this rider completely from market”. Is that means if GE has decided to stop selling this rider in market due to certain reason, policyholder who already attach this rider cannot continue the coverage anymore? Any other insurer’s medical card got such clause?

      1. Hi Mr Lieu, thanks for your prompt reply! Previously you did explain on the difference of Withdrawal Clause and Guarantee Renewable but I am still a bit confuse. For GE SmartMedic Xtra, can I say even though it is guarantee renewable but if the company stop selling this product in market, I will still be forced to terminate my policy? So far any insurer did that before?
        Will you still recommend GE medical card when there is this clause? Appreciate your advise as I am thinking to get a GE medical card but this Withdrawal Clause make me a bit not comfortable. Thanks!

        1. So far never happen before, not easy to ‘execute’ this as likely need strong justifications and approval from BNM.

          GE is OK, but if you are worried on this clause to the extent it keeps you awake at night, go for other insurers without this clause.

  60. Dear CF,

    The medisaver plan from Lonpac is good..but it seems that lonpac is not well known for it portfolio in a medical card as for AIA, Prudential and so on.

    (1) If I buy the medisaver policy what if the lonpac come to cease operation because it is not so as we call big company in insurance. what is the fate of the policy holder then?

    (2) is this situation will not occur if i bought the policy from the AIA or Prudential then?

    (3) How about the panel hospital for this medisaver policy, must be just few hospital since it is not as big as AIA or Prudential?

    Your reply would be really appriciate


    1. Hi Rusdi

      (1) and (2) – Lonpac is actually a subsidiary of Public Bank. I’ll let you form your own judgements and opinion on your original questions. Fact is, there’s no guarantee any insurer will still in business, say, 50 years from now. End of the day, you go with the one you are most comfortable with, if money is not an issue for you.

      (3) Clearly, you haven’t read this article to the end. On another note, if you stay in KL, would it concern you whether it has any panel hospitals in Sabah and Sarawak?

  61. Hi Mr Lieu,

    I’m 32 years old and didn’t purchase any medical cards/ insurance related product before. What is your recommendation to me? I’m having high blood pressure & high cholesterol and having medication for 4 years time. Will this have any impact to the medical card/ insurance that i want to buy?

    1. Simon, it depends, your options are VERY limited based on your pre-existing medical conditions. It will surely have significant impact to any medical insurance you want to buy.

  62. Hi Mr Lieu,
    Thanks so much for all the information to clarify what medicard is about for 1st time buyer like me. After reading, can you suggest me which one should I buy after I have scale it down to either Allianz ( I find the benefits quite good especially can go overseas treatment such as Singapore) or Lonpac (as I like it can discount for family members- but its standalone). I can’t decide. I am in my 40’s with 2 kids. Pls recommend as you are the expertise.

    Thanks in advance.

    1. Steph, it depends what kind of budget you have (example, 150 per month vs 300 per month)

  63. Hi Mr Lieu,

    I read an earlier comment:

    “ChingFoo LieuReply Reply
    Venice, please get the brochure from here –

    Of course you not able to find it from Lonpac official product listing because this is a custom-made product.

    1) Why is the policy brochure behind a pay-wall?

    2) Can you please elaborate on “custom-made product”?


    1. Andrew,

      Picture yourself in this position.

      You have an info page which ranks #1 on Google search for the term ‘medical card in Malaysia’.

      This one page alone gathers 300+ views every day.

      You get, on average, 50 enquiries a day via email. These enquiries ask you to send to send brochures, ask for free advice, etc.

      End of the day, most of these enquiries, after getting what they want, they ‘disappear’. And some of them are even insurance agent themselves trying to ‘use’ this website to get quotations from other insurers!

      Now, assume you take only 10 minutes to attend to every enquiry

      50 enquiries x 10 minutes = 500 minutes or 8+ hours in one day.

      Now, consider that you have a business to run, a family just like everyone else, and it costs $$$ to maintain this entire informative website.

      What would you do?

      Remember, buying a medical card is a lifelong commitment which costs a few thousands a year, and likely, total of hundreds of thousands per lifetime.

      Is it worth to pay less than RM 50 for advice which will make you make a better informed decision, for life?

      For some, it is not worth. That’s OK. And I ain’t judging ’em.

      After all, everyone can do intensive comparison by talking to multiple agents from multiple insurance companies.

      There is still no guarantee a layman will understand the ‘hidden’ terms and conditions though.

      This is the hard way to buy a medical card.

      What I offer in is the shortcut. And one is not even obligated to buy from me.

      All you get is non-biased advice.

      There’s no sales pitch or pushy phone calls.

      And some very smart people feel this is worth to subscribe to AskCF.

      So, in a nutshell, that my friend, is why the ‘deep-down’ info is behind a pay-wall.

  64. Hi Mr Lieu,

    First of all, thanks for this informative website. I was wondering of you could provide the annual costs for Lonpac SmartMedi Deductible for a 37 year-old male smoker (I’ve stopped, but I imagine I’ll still have to pay for a smoker’s coverage).

    Also, would like to know if the SmartMedi Deductible includes medical tests.

    Lastly, how much would the SmartMedi Deductible cost for a Family Plan (to include two parent non-smokers, no pre-existing conditions).


  65. Dear Ching,

    I currently have two medical cards:-

    1) Employer medical card (AIA, max coverage per annum rm 35000)
    2) Personal deductible cashless medical card (Tokio Marine, RM 10000 deductible)

    Let’s say I’m hospitalised with GL from AIA, then my hospital bill comes to RM 50000, which is more than the RM 35000 per annum from my company. How do I use my second card, to pay the remainder? Becaue the GL cannot come from two different companies, I presume. Can you explain the claiming process from two cards?

    1. Simple, Vijai, you have to pay 15,000 from your own pocket, and then reimburse from Tokio Marine.

  66. hi.. im planning to get a medical card for my son who is 1 years old. which insurance shall i take? thank you.

  67. Can you make a new list comparing takaful medical card?

  68. Hi, for rider insurance, it will be great if you could show how much money customer would get after 20 years for example.

    1. Eddy, no single customer is the same, so it is unwise to generalize here by showing anything.
      I could show very good residual money after 20y but it would meant nothing for you.

  69. Hi Mr. Lieu

    Should i get another medical card to replace my GE medical card? I currently hv a GE n AIA medical card. My GE lifetime limit left not much around RM30k (This insurance is a very very very old insurance), and my AIA is newly bought. Thanks

  70. Prudential medical card got the clause “Guaranteed renewal” no matter what happen to the insured or market.
    This has been their main selling point despite higher and highest premium.
    How about other Insurer like Allianz, GE, AIA, etc.? Are their policy also guaranteed renewal?

    1. Wong, as far as I know, Pru is well-known on not having a Portfolio Withdrawal Clause. Portfolio Withdrawal Condition is a clause that gives the right to an insurance company to stop offering the medical portfolio by giving advance written notification to policyholders, if it no longer underwrites this type of product.

      However, many insurers had also removed this clause from the medical insurance contract, which benefits us, the policyholders. In other words, the ‘advantage’ that Pru has previously no longer applies today.

      If anyone is reading this, Portfolio Withdrawal clause should NOT be confused with what you term as “Guaranteed Renewal’. Any medical insurance contract will have a renewal clause stating as such:

      …contract is renewable at the option of Policy Owner until the occurrence of any of the following:

      a) If the policy expires, lapses or surrendered
      b) Fraud of misrepresentation of material fact during application
      c) Contract is cancelled at the request of Policy Owner
      d) total claims have reached the overall lifetime limit (if any) specified or/and on the death of the life assured
      e) the life assured attains the coverage age limit specified
      f) termination of coverage for all policies in certain market and the insurer withdraws this contract completely from the market in accordance with the Portfolio Withdrawal Condition.

      The fact is, portfolio withdrawal condition has never happened before so far and even if it does, it is not so easy for an insurer to execute without approval from BNM.

      1. Dear Lieu,

        Ya, your are right. I meant for the Portfolio Withdrawal Clause. Thanks for enlightens me.

  71. Hi,
    Can i cahnge my Life Insurance Policy to be my Medical Card when i am 65 years old? Thanks

    1. Unfortunately no. The consolation is if you are still healthy, you can still buy a medical card albeit not cheap at your age.

  72. Hi Lieu,
    Can stress further why we still need Medical Card with our own even though the employer have provided one? really appreciate if you can explain in point..

    1. Adzwan, you don’t need one NOW if your employer covers you.


      How old are you now by the way?

      Now, fast forward to 60 years old when you are ‘retired’.

      Do your employer still cover you? If yes, I want to know which company you are working – PM me 🙂

      Now, at 60, you still don’t necessarily need to buy a medical card. Just allocate a few millions for your medical fund to covers whatever medical condition that crops up from 60 until say, 90 years old.

      See that’s how we don’t need a medical card.

      I bet tycoons like Robert Kuok,Syed Mokhtar Al-Bukhary or Tony Fernandes don’t have/need a medical card.

      Ok ka explain cam ni?

  73. Hi,mr lieu,

    I wanna ask about Aia latest medical card which no need pay co insurance.
    What cost and what will happened if I had exceeding my annual limit?
    For example, I had my hospital bills of rm 1 million on year 2017. What will happened to my medical card?

    1. If your annual limit is 1 mil and you exceed that, by contract, you will need to fork out $ to cover medical bills exceeding 1 mil.

      However, practically if your medical bill exceed 1 mil, you’ll likely be dead already 🙂

  74. Great introductory article LCF on medical cards. You are indeed doing a great service to society.

    2. The problem when an insurance agent comes by o get you to “sign on the dotted line” is the dont tell the whole story and we layman trust them.

    3. So, I need your non biased advise between
    a)stand alone medical card &
    b)investment link medical insurance plan-usually with unit trusts

    In (b) they “sell” the products by stating the premiums dont increase in future and some returns can be expected back after a number of years.

    4.The premium of stand alone medical card insurance get higher and higher with age. In 2015-I paid RM2620 (inclusive GST) for standalone medical card (AIA Plan 200 A Life Med & Regular & A Plus Med Booster) till age 100 years. In 2016 premium increased to RM3204-a big jump!

    5. I’m in good health-born 1961-56 years old-occupation class 1

    6. Your advice would benefit lots of people like me & am looking forwards to receiving your email reply.

    I end this wishing you good health and wisdom and to continue advise Malaysian public.

    Thank you.

    1. Jayaraj, that is the way standalone medical card works regardless of any insurance companies. Pls watch my free 8 min video just slightly above here to understand this.

      To understand how medical card rider (bundled together inside an ILP) works, please refer to one of explanation video inside my advisory site here –

      Cheers, and thank you for your kind words

  75. I believe Lonpac MXM medical card has been updated. Now it is already medisaver 3.0

  76. Are there any health insurance plans you would recommend for seniors above 70 years old?

    1. Soo Cheng, unfortunately the max entry age for most medical cards in Malaysia is 70 years old. Above 70, nope.

  77. Hi, Mr. Lieu

    Before a day I bought my new insurance, my doctor said I developed a small hernia. I had go another clinic to make sure if I have hernia or not but result out is I dont hv hernia. If like this, will it effect my new insurance claim if future i develope a hernia? Maybe year(s) later.. Thanks

    1. No matter Winnie. If you are concerned about ‘years later’, and say, you apply medical card now, then I suggest you declare in your application just in case. So the insurer will issue a letter to instruct you to go to the insurer’s panel clinic (paid by insurer) to verify if you have hernia. This way, it prevent any disputes in the future. And if insurer panel clinic verify you don’t hernia, but you then develop hernia in the future, then insurer will of course honor the claim – this is known as guaranteed renewable, without any yearly loading. Many years ago, there are indeed standalone medical card that is NOT guaranteed renewable but as of now, this kind of medical card has been obsoleted afaik. If such non-guaranteed-renewable medical card still exists, I can guarantee no one will buy it, if they are well-informed enough. By the way, someone said below – ‘what is the guaranteed black & white clause stating it is guaranteed renewable’. I say he/she is not reading this article thoroughly, if you look B) Medical card with no alterations of policy clause subheader, and look at the screenshot – Policy Wording, Alterations clause, and you see this term ” During renewal, the terms and conditions of coverage shall NOT be amended” – this is the clause.

      I also suspect the person questioning this sounds like insurance agent from company where the company does not carry standalone medical products, and their medical card rider is relatively expensive compared to others. So agents from this company are trained to talk bad about other insurer’s standalone medical card saying they are NOT guaranteed-renewable. This is the usual Modus Operandi of tied insurance agent of this company, but they didn’t realize that didn’t base their accusations on real facts.

      1. Thanks Mr. Lieu for your reply~

  78. Dear Mr. Ching Foo,

    Why is it that smartmedi2.0 cannot be found in lonpac’s website page for health products?

  79. Hi. If I have a pre-existing condition (despite never being hospitalized), would there be any insurance company that will still cover it?

    1. Hi Cindy, it depends what type of pre-existing condition. Can you elaborate?

      1. 2 Slipped disc and cervical spondylitis. Although my condition may not look that good in a MRI but my lifestyle, exercise and care from my physiotherapist has allowed me to carry out normal activities, including lifting weights in gym, cycling and joining mixed martial arts classes in the gym.

      2. 2 Slipped disc and cervical spondylosis. Although my condition may not look that good in a MRI but my lifestyle, exercise and care from my physiotherapist has allowed me to carry out normal activities, including lifting weights, cycling and joining mixed martial arts classes in the gym.

        1. Cindy, it is almost likely there will be exclusion of the mentioned condition. As for rejection, sometimes it do depends, we won’t know for sure 100% until the underwriter replies. A case closest to yours which we’ve encountered before is thoracic spine condition, one insurer rejected, another insurer accepted the case but exclude anything related to spine condition.

          1. My insurer accepted my application but excluded all spine related claims. I was hoping to find another insurer who would accept my condition. Thanks CF.

  80. Hi, could you elaborate on the other companies renewal clause? When u say guaranteed renewable do the policies have portfolio withdrawal clause in them. Mainly the lonpac one, Allianz you mentioned. Thanks. Email me thanks. Plus why didn’t you compare using Prudential’s med saver since it has deductible of 300. While you use Allianz’s co ins of 1k?

    1. Shannon, you definitely got confused between guaranteed renewable clause and portfolio withdrawal clause. They are different.
      And you also got confused between co-insurance feature (the Med Saver feature in Prudential) and co-payment due to R&B upgrade (RM 1k cap of Allianz).
      The intention is not to have co-insurance so the table above is a fair comparison when it comes the the pricing.
      We do not mail the quotes to you unless you are subscribed to Cheers

      1. Hi, can u please explain on what’s the difference between the two for guaranteed renewal clause and portfolio withdrawal clause? Could I read what’s the actual black and white written for guaranteed renewal clause? Thank you.

        1. I mean could you list the actual black and white here so that I can compare the difference?

  81. Hi KC,

    How would it effect for the renewal of a standalone medical card such as medisaver from lonpac if claim already been made or unlucky got diagnosed with bigC. How to renew or what would it effect after the claim on renew the policy. Does it effect the premium or would it be any exclusion. Thanks bro

    1. Rusdi, all medical card recommended in this page are guaranteed renewable even after being diagnosed with big C. The hike in premium or exclusion will not occur due to the occurrence of big as you put it.

  82. Please advise on Great Eastern benefit as compared to other.
    Can I have the brochure and product detail for each of the product for better comparison ?

    1. The table above already summarizes and simplifies the comparison better than any brochure can do, so do take advantage of that.

  83. Would like to know what’s the difference between AIA a life med regular and a plus med plan. Thanks.

  84. Hi CF, could you email me the brochure with the detail of Smart Medic 2.0? Thanks

  85. CF, could you send me the brochure of the detail of this Smart Medic 2.0? Thanks

  86. Hi Lieu,

    Would you please send me the brochure and for the lonpac smartmedi 2.0?
    Somehow i couldn’t get it from the lonpac website.

    Thank you in advance.

      1. Lieu, thank you for that. Btw, do u have any idea about how long is the claim process going to take? or just show the card then we are worry free?

        1. re: claim – this is depending on insurance company claim processing efficiency, and also whether the relevant documents are submitted in time. 1 month is a reasonable time. However, you must understand there are other events which affect this – for example, if the claim processing dept is understaff, or when there is a merger/restructuring going on, all these factors affect claim processing

          re: if you buy a new iPhone 7 next week from Switch, and you ask the staff if you will be worry-free for the next 3 years, then the staff answers “YES because it is from a reputable company – Apple” , will that guarantee your iPhone 7 will be ‘worry-free’ or that just makes you feel better instead of buying a Samsung, which is now known to explode?

          My point is a medical card is just a card, cashless hospital admission is just a convenience provided by hospital when the hospital is a panel hospital of the insurer. There is nothing in the insurance policy which promises “show the card and be worry free”. However, the policy got state “Reimburse reasonable and customary charges”. If you are a professional, you must know there are factors beyond anyone control which may seem like things don’t work per your expectation.

          For example, if a hospital over-charge a surgical procedure, higher than the rate per Malaysian medical association schedule, insurance company only pay up to certain limit dictated by MMA schedule, and not the full amount. In this case, it is not the insurer fault or the agent fault, this is what I always tell my client.

          Another example, is, when u buy the medical policy, Hospital X is a panel of the insurer. But 3 years down the road, the Hospital is no longer a panel, but u insist on going to Hospital X because you like the doctor there and it is near your house, well, too bad then, because you cannot be show your card and admitted… need to pay first upon discharge then only claim back from insurer.

          There are many other things from my experience which we need to set our expectations right and for anyone to promise you ‘worry-free’ is either blindsiding you or being inexperienced.

          1. Thank you for that. Appreciate it.

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