MEDIGUARD SENIOR

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 fortunately he had 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.

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 policyholders 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
Product Details
Description of Benefits
Exclusions
Special Provision & Conditions
mediGUARD Senior

INTRODUCTION
 
With mediGUARD Senior, you can continue to enjoy your golden years with peace of mind. You are offered choice of plans with or without a medical card.
 
With A Medical Card - Hospital Admission And Discharge Will Be Hassle Free
 
You will be given a Kurnia Insurans (Malaysia) Berhad medical card. Just present your card at any of our panel hospitals to get admitted, no deposit required. Click here to search for a panel hospital. This card guarantees hassle free admission and discharge for a covered condition. You may only need to settle non-payable charges, if any.
   
Without A Medical Card - You Have Free Choice Of Hospital
 
Just settle your full bill upon discharge and submit to Kurnia Insurans (Malaysia) Berhad for claims reimbursement for a covered condition.
 
You can enjoy special attractive features:
-
Out-Patient Kidney Dialysis / Cancer Treatment
-
Emergency Accidental & Dental Out-Patient Treatment
-
Out-Patient Physiotherapy Treatment
-
Organ Transplant
- Insured Daily Guardian Benefit
-
Second Surgical Opinions
- Home Nursing
- Geriatric Benefit
- Major Medical
- Out-Patient Clinical Benefit (Optional). Click here to search for a panel clinic.
- Full Reimbursement for Government Hospital (up to overall annual limit)



POLICY DETAILS
Product Details
Description of Benefits
Exclusions
Special Provision & Conditions
mediGUARD Senior

INTRODUCTION
 
With mediGUARD Senior, you can continue to enjoy your golden years with peace of mind. You are offered choice of plans with or without a medical card.
 
With A Medical Card - Hospital Admission And Discharge Will Be Hassle Free
 
You will be given a Kurnia Insurans (Malaysia) Berhad medical card. Just present your card at any of our panel hospitals to get admitted, no deposit required. Click here to search for a panel hospital.                           This card guarantees hassle free admission and discharge for a covered condition. You may only need to settle non-payable charges, if any.
  
Without A Medical Card - You Have Free Choice Of Hospital
 
Just settle your full bill upon discharge and submit to Kurnia Insurans (Malaysia) Berhad for claims reimbursement for a covered condition.
 
You can enjoy special attractive features:
-
Out-Patient Kidney Dialysis / Cancer Treatment
-
Emergency Accidental & Dental Out-Patient Treatment
-
Out-Patient Physiotherapy Treatment
-
Organ Transplant
-Insured Daily Guardian Benefit
-
Second Surgical Opinions
-Home Nursing
-Geriatric Benefit
-Major Medical
-Out-Patient Clinical Benefit (Optional). Click here to search for a panel clinic.
-Full Reimbursement for Government Hospital (up to overall annual limit)


POLICY DETAILS
Product Details
Description of Benefits
Exclusions
Special Provision & Conditions
mediGUARD Senior

INTRODUCTION
 
With mediGUARD Senior, you can continue to enjoy your golden years with peace of mind. You are offered choice of plans with or without a medical card.
 
With A Medical Card - Hospital Admission And Discharge Will Be Hassle Free
 
You will be given a Kurnia Insurans (Malaysia) Berhad medical card. Just present your card at any of our panel hospitals to get admitted, no deposit required. Click here to search for a panel hospital.                           This card guarantees hassle free admission and discharge for a covered condition. You may only need to settle non-payable charges, if any.
  
Without A Medical Card - You Have Free Choice Of Hospital
 
Just settle your full bill upon discharge and submit to Kurnia Insurans (Malaysia) Berhad for claims reimbursement for a covered condition.
 
You can enjoy special attractive features:
-
Out-Patient Kidney Dialysis / Cancer Treatment
-
Emergency Accidental & Dental Out-Patient Treatment
-
Out-Patient Physiotherapy Treatment
-
Organ Transplant
-Insured Daily Guardian Benefit
-
Second Surgical Opinions
-Home Nursing
-Geriatric Benefit
-Major Medical
-Out-Patient Clinical Benefit (Optional). Click here to search for a panel clinic.
-Full Reimbursement for Government Hospital (up to overall annual limit)

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