AM - Medical Plus (Under Construction)

Major Benefits This Plan provides coverage for:

• Hospitalization & Surgical Benefits • Out of Hospital Benefits
 
 AM Medi Flexi (AM MF) (effective 01/03/2010) 

                                                                SCHEDULE OF BENEFITS

 Benefit

 AMMF   Plan 1 (RM)

 AMMF   Plan 2 (RM)

 
 
 AMMF   Plan 3 (RM)

  AMMF   Plan 4 (RM)

Hospitalisation & Surgical Benefits

Hospitalisation & Surgical Expenses
a) Hospital Room & Board (daily limit)
    Intensive Care Unit (daily limit)
    (Total period for Hospital Room and Board and Intensive
    Care Unit up to maximum of 60 days per disability

     

      120       300



 
  180
  300
 
  

 
     260     
300
 
 b) Surgical Expenses
     (Surgical fees, Anaesthetist fee and Operating Theatre
     charges) including post surgical care up to 60 days
     from date of discharge
 As Charged
Subject to deductible of RM50)
 c) Hospital Expenses  As Charged
Subject to deductible of RM50)
 d) Pre-Surgical/Medical Specialist Consultation  As Charged
Subject to deductible of RM50)
 e) Pre-Surgical/Medical Diagnostic Tests  As Charged
Subject to deductible of RM50)
 f) Daily Cash Allowance at a Malaysian Government
Hospital (per disability)
50
     50          
 
 
 50 
 Out of Hospital
a) Day Surgery Benefit
                                 As Charged
 b) Emergency Accidental Outpatient Treatment – up to
      31days from date of Accident
                                As Charged                                (Subject to deductible of RM50)
 c) Post Hospitalisation or Day Surgery follow-up – up to 60
     days from date of discharge or Day Surgery
 As Charged
 d) Out-Patient Cancer Treatment  As Charged
 e) Out-Patient Kidney Dialysis Treatment    As Charged  
 f) Home Nursing Care (per disability)  500 1,000    2,000       2,000
 Overall Annual Limit   50,000   100,000   125,000
   200,000
 Lifetime Limit  150,000 300,000 625,000 1,000,000
 
1 A deductible amount of RM50 is payable by the policyholder. This deduction is applicable per hospital
 
admission/ outpatient surgery and the same amount will apply for plans 1, 2 or 3.
 
The Company reserves the right to revise the amount of deductible at any time by giving 30 days’ written
notice to the Policy Owner. Such revision shall not be carried out more than once in every twelve (12)
months.
 
ING MEDIPLUS (IMPlus) PREMIUM RATES
 
 Annual Premium Rates for Standard Occupational Class 1 to 4 (for both sexes):

(A) Non-Cashless Option

 Attained Age Male Female

Group
 

Plan 1
 

Plan 2
 
 
Plan 3
 

Plan 1
 
Plan 2
 
 
Plan 3
 
0-5
6-15
16-21
22-29
30-39
40-49
50-55
56-59
 
 461
251
372
342
434
564
837
1,081
 
 599
 326
 484
 446
 563
 732
1,088
1,404
 
 777
 424
 628
 578
 731
 949
1,413
1,822
 
 461
251
390
359
456
593
879
1,135
 
599
326
507
468
592
769
1,143
1,475
 
777
 424
660
607
767
997
1,484
1,913
 
60-64
>=65
 
1,351
1,751
 
 
 1,756
 2,274
 
2,278
2,951
 
1,351
1,751
 
1,756
2,274
 
 2,278
2,951
 

 
(B) Cashless Option

 Attained Age Male Female
Group
 
Plan 1
 
 Plan 2
 
 Plan 3
 
Plan 1 Plan 2
 
 Plan 3
 
0-5
6-15
16-21
22-29
30-39
40-49
50-55
56-59
 
 618
337
498
458
582
756
1,122
1,449
 
 803
 437
 648
 597
 755
  981
1,458
1,882
 1,041
 568
 842
 774
 979
1,272
1,893
2,442
 
 618
337
523
481
611
794
1,178
1,621
 
802
437
680
627
793
1,030
1,531
1,976
 
1,041
568
884
813
1,028
1,336
1,988
2,564
 
60-64
>=65
 
1,811
2,347
 
 
 2,353
 3,047
 
3,053
3,955
 
1,811
2,347
 
2,353
3,047
3,053
3,955
 
 
 
Premium rates for Occupational Classes 5 and 6 can be calculated using the following loading as a
percentage of standard premium rates (Classes 1 to 4).

 Occ. Class 5Occ. Class 6
 75% 100%
 
NOTES:
a) Minimum Age at Entry:          30 days old
b) Maximum Age at Entry:         59 years old
c) Maximum renewal age:         69 years old
d) Hospital & Surgical is not allowed for pregnant employed female application.
e) For female risks, juvenile risks and student risks, Hospital & Surgical is granted @ Occupational Class of 1 to 6.
f) Hospital & Surgical is allowed for foreign applicants with working permits.
g) Only one IMPlus policy is allowed on per life basis.
 
 
REFERRAL EMERGENCY ASSISTANCE PROGRAM
The ING MediPlus also features a comprehensive international medical assistance programme consisting of the following:
a) International Medical Assistance Program
b) Domestic Medical Assistance Program
c) Car assistance Program#
d) Home Assistance Program#
e) Travel Assistance Program#
# Referral services only.
 
 
 
 Major Benefit Limitations/Exclusions
No benefits shall be payable for hospitalization, surgery or charges caused directly or indirectly, wholly or partly
by any one (1) of the following :
• Pre-existing illness
• Any medical or physical conditions arising within the first thirty (30) days of the Life Insured’s cover or date of
reinstatement whichever is later except for accidental injuries.
• The following Specified illnesses and its related complications which occur within the first 120 days of insurance of
   the Life Insured :
(a) Hypertension, diabetes mellitus and cardiovascular disease;
(b) All tumours, cancers, cysts, nodules, polyps, stones of the urinary system and biliary system;
(c) All ear, nose (including sinuses) and throat conditions;
(d) Hernias, haemorrhoids, fistulae, hydrocele, varicocele;
(e) Endometriosis including disease of the Reproduction system;
(f) Verterbo-spinal disorders (including disc) and knee conditions;
• Plastic/Cosmetic surgery, circumcision, eye examination and any surgical and non-surgical defect correction and
  external prosthetic appliances or devices.
• Non-accidental Dental conditions.
• Private nursing, rest cures or sanitaria care, illegal drugs, intoxication, sterilization, venereal disease, AIDS or AIDS
  Related Complex and HIV related diseases.
• Treatment or surgical pertaining to congenital abnormalities or deformities including any hereditary conditions.
• Treatment, surgery, care and/or tests pertaining to pregnancy, child birth, miscarriage, abortion and prenatal or
   postnatal care, birth control, infertility, erectile dysfunction, impotence or sterilization.
• Hospitalization primarily for investigatory purposes, diagnosis, X-ray examination, general physical or medical
  examinations, not incidental to treatment or diagnosis of a covered Disability or any treatment which is not
  Medically Necessary and any preventive treatments, preventive medicines or examinations carried out by a
  Physician, vitamins/food supplements and treatments specifically for weight reduction or gain.
• Any Outpatient treatment unless provided under this Plan
• Suicide, attempted suicide or intentionally self-inflicted injury while sane or insane.
• Investigation and treatment of sleep and snoring disorders and alternative therapy such as treatment, medical service
  or supplies other than Western medicines including but not limited to chiropractic services, acupuncture, acupressure,
  reflexology, bone setting, herbalist treatment, massage or aroma therapy or other alternative treatment.
• Psychotic, mental or nervous disorders, (including any neuroses and their physiological or psychosomatic
  manifestations).
• Costs and expenses incurred for services of a non-medical nature, such as television, telephones, telex services,
   radios or similar facilities, admission kit/pack, medical report and other ineligible non-medical items.
• Any treatment following an unlawful act.
   Note: The exclusions described have been summarized and are not exhaustive. Please refer to the policy document
   for detailed exclusions.


ING Medical Card Panel Hospitals - By State


Below hospital listing is correct at the time of publishing. Please visit our website (www.ing.com.my) or call toll free

1800 88 0303 for any updates

There are some specialists (doctors) within the appointed panel hospitals for ING Medical Plan policies who have no working relationship with ING whom we termed as non-panel doctors. It is important to note that the company will not provide Financial Guarantee (cashless facility) as security for payment of any hospital charges incurred for treatment by non-panel doctors. Customers who choose to be treated by a non-panel doctor will have to pay all charges in full and submit original bills and satisfactory proof to us for consideration of reimbursement claim of eligible expenses incurred

For any inquiries, please call ING Medical Helpdesk at 1-800-88-0303


Please note:-
(for more details, please click on the respective Hospital)

a) Hospitals marked with **'s require a deposit for admission. The deposit is refundable upon discharge of patient.
b) Hospitals marked with +'s may charge a medical report fee.
c) Hospitals marked with #'s requires a Guarantor to sign an undertaking letter.

This list was last updated on Wednesday, August 05, 2009.
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