GROUP MEDICAL INSURANCE

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Just because you eat veggies and hit the gym regularly doesn't mean you are immune to an illness, or an accident won't happen to you.
There was an incident way back many years ago published by The Star that a little boy need RM150,000 for a special treatment suit to wear on for one year or more for recuperation and rejuvenate his scalded wounds which was 80% due to fire and so lucky he was to have a sponsor for his medical bill from a rich Arab Emir. Not so lucky for a quite similar situation as my ex-colleague.
I use to know this young colleague from insurance company telemarketing division, which has experience burn from very hot boiling water from neck downward and shoulder during his childhood. He was trying to reach for food or something in the kitchen, grab the boiling pot that bathed him all over and badly scalded his shoulder and neck. His plight was lifetime as the skin behind his neck and shoulder cannot growth normally and lose the elasticity of a normal skin. The skin growth on his neck and shoulder is so abnormal as it affect his physical growth and height.
Everyone requires medical help at some point and if you don't have insurance, the resulting bill is going to be painful. Deliver a baby -- without complications --and expect to fork over an average of RM10,000 according to one doctor, use to be my wife gynecologist of the Subang Jaya Medical Centre. Get diagnosed with cancer and the expenses can  go into the hundreds / thousand-ringgit range.
If your employer doesn't offer coverage in a group plan, look into an individual policy. Just be aware that private health insurance typically requires holders to pay higher premiums than they would with a group plan. And coverage may be more limited. To find the right individual plan, continue to read this web site, which often lists area insurance providers, and web sites like e Health Insurance.com and My Insurance Expert.com for free information.


Visit our pages for more on choosing and getting the best health plan.

POLICY DETAILS
Basic Cover
Core Benefits
Extended Benefits
How To Buy
Group Medical Insurance
BASIC COVER
 
Group Medical Insurance (Group Hospitalization and Surgical Insurance) is a comprehensive hospitalization and surgical insurance which
reimburse the employer / employee on incurred medical expenses due to illnesses / diseases / accidental injuries / disabilities.

CORE BENEFITS
 
Core Benefits are the basic cover which are compulsory.
 
* Hospital Room & Board  * Hospital Supplies & Services
* Intensive Care Unit (ICU)  * Prescribed Medicines
* Surgical Fees  * Ambulance Fees
* Operating Theatre  * Emergency Accidental Out-Patient Treatment
* Anaesthetist Fee  * Daily-Cash Allowance at Government Hospital
* Pre-Hospital Diagnostic Tests & Specialist Consultation  * Medical Report
* In-Hospital Physician Visit  * Funeral Expenses
* Post-Hospitalization Treatment  * Government Service Tax

EXTENDED BENEFITS
 
Extended Benefits will only be given upon request and with approval.
 
International Business Rider Benefit
Annual Out-Patient Cancer Treatment
Annual Out-Patient Kidney Dialysis Treatment
AIDS (upon diagnosis with one lifetime payment)
Organ Transplant
Emergency Out-Patient Illnesses (from 12 midnight to 6am)
Insured Child's Daily Guardian Benefit (aged below 15 years old)
Out-Patient Physiotherapy Treatment
Accidental Death
Home Nursing Care
Double Plan Benefits for Accidental Injury Whilst Travelling Overseas
Repatriation of Mortal Remains
Major Medical
Day Surgery

KURNIA MEDICAL INSURANCE


When you purchase or renew your mediGUARD Value or mediGUARD Junior Medical Insurance, you will get:
 
a Gribbles Pathology Health Screening Discount Voucher* that offers a comprehensive blood / urine screening package with 45 tests for RM50 only (one per Insured person)

Gribbles Voucher





When you purchase or renew your mediGUARD Premier, mediGUARD Grads, mediGUARD Biz, mediGUARD Family, mediGUARD Senior or mediGUARD Lady Medical Insurance, you will get:
 
a Gribbles Pathology Complimentary Health Screening Voucher**
Gribbles Voucher

Bukan hanya kerana anda makan sayur-sayuran dan bersenam kerapkali di gym tidak bermakna anda imune dari penyakit, ada kemungkinan anda akan mengalami kemalangan. 

Diingati bahawa ada satu kejadian berlalu yang disiarkan oleh The Star bahawa seorang budak lelaki perlu RM150,000 bagi guaman rawatan khas untuk dipakai pada satu tahun atau lebih kepada pemulihan dan meremajakan kerosakan kulit melecur yang adalah lebih daripada 50% disebab-kan oleh kebakaran dan beliau bernasib baik untuk mempunyai penaja untuk bil perubatan dari Emir Arab yang kaya. Bernasib baik beliau tetapi tidak untuk bekas-rakan sekerja saya. 

Saya pernah mengenali seorang rakan sekerja muda ini dalam bahagian bekas syarikat, pemasaran talipon saya, yang mempunyai peng-alaman membakar dari air mendidih yang sangat panas atas leher ke bawah dan bahu semasa zaman kanak-kanaknya. Ketika beliau cuba untuk mencapai makanan atau sesuatu di dapur, mere-but periuk mendidih yang memandikan dia meng-akibatkan lecur, bahu dan leher. Nasib beliau seumur hidup sebagai kulit di belakang lehernya dan bahu tidak boleh pertumbuhan normal dan kehilangan keanjalan kulit normal. Pertumbuhan kulit pada leher dan bahu adalah begitu tidak normal kerana ia memberi kesan kepada per-tumbuhan fizikal dan ketinggian. 

Setiap orang memerlukan bantuan perubatan di beberapa titik penghidupan harian dan jika anda tidak mempunyai insurans, bil yang terhasil akan menjadi menyakitkan. Melahirkan bayi - tanpa komplikasi dan mengharapkan terpaksa mem-belanjakan purata lebih RM10,000 mengikut seorang doktor, gunakan untuk menjadi pakar sakit puan isteri saya Subang Jaya Medical Centre. Jika didiagnosis dengan kanser (barah) ,penjakit kritikal dan perbelanjaan yang boleh pergi ke beratus-ratus / ribu ringgit pelbagai. 

Jika majikan anda tidak mampu memberi liputan dalam rancangan kumpulan, melihat ke dalam dasar individu. Anda perlu ingat bahawa insurans kesihatan swasta biasanya memerlukan pemegang untuk membayar premium yang lebih tinggi dari-pada mereka dengan rancangan kumpulan. Dan liputan mungkin lebih terbatas. Untuk mencari pelan individu yang betul, terus membaca laman web ini, yang sering menyenaraikan penyedia insurans kawasan, dan laman web seperti e Kesihatan Insurance.com dan Expert.com Insurans saya untuk maklumat percuma. 

Lawati halaman kami untuk memilih dan mendapatkan pelan kesihatan yang terbaik.

PERLINDUNGAN ASAS
 
Group Medical Insurance (Group Hospitalization and Surgical Insurance) is a comprehensive hospitalization and surgical insurance which 
reimburse the employer / employee on incurred medical expenses due to illnesses / diseases / accidental injuries / disabilities.

MANFAAT TERAS
 
Manfaat Teras adalah perlindungan asas yang menyediakan perlindungan yang mana ianya wajib.
*Hospital Room & Board * Hospital Supplies & Services
*Intensive Care Unit (ICU) * Prescribed Medicines
*Surgical Fees * Ambulance Fees
*Operating Theatre * Emergency Accidental Out-Patient Treatment
*Anaesthetist Fee * Daily-Cash Allowance at Government Hospital
*Pre-Hospital Diagnostic Tests & Specialist Consultation * Medical Report
*In-Hospital Physician Visit * Funeral Expenses
*Post-Hospitalization Treatment * Government Service Tax

MAANFAAT TAMBAHAN
 


Product Disclosure Sheet required by Bank Negara

Kurnia Hassle Free Hospital Admission
 
 
Medical Claim
 
1.
Call 24 Hrs Kurnia Call Centre for location of nearest Kurnia Panel Hospitals.
2.
Present the Medical Card to the Admission Counter of Kurnia Panel Hospital.
3.
Kurnia Panel Hospital will then liaise with Kurnia for policy verification and fax the Admission Report to Kurnia Medical Insurance Department.
4.
Kurnia return fax with Guaranteed Letter to Kurnia Panel Hospital for all Covered Conditions; Letter of Decline for non-covered conditions.
5.
Private Hospitals may require basic deposits for incidentals/non-covered expenses.
6.
Kurnia Panel Hospital will prepare the Discharge Documentation and fax to Kurnia; Kurnia Medical Insurance Department process the documentation immediately and return fax with Payment Advice to the Panel Hospital.
7.
Upon settling incidentals/non-covered expenses, if any, insured may be discharged.


B Reimbursement Claims
1.
Insured are allowed to be admitted to any Private Hospitals (non-Kurnia Panel Hospitals) under Reimbursement Claims Procedures.
2.
Written Notification is required for all Hospital Admissions; within 30 Days from date of admission.
3.
Complete Claims Documentation which includes original itemised bills & receipts, completed claim form, completed physician's medical report and other relevant claims documents are required to be submitted to Kurnia (within 30 days from discharge date) for claims processing.
4.
For covered conditions, an offer letter and discharge voucher will be issued to the Insured on the amount payable. Upon receipt of the signed discharge voucher from the Insured, Kurnia will proceed to issue claims payment.

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