(Last Updated On: 14/12/2017)

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 in the eyes of consumers . The best in this sense in terms of features and costs; such thing is actually very good for us as policyholders.

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.

1) Comparison table of the Allianz, AIA, Great Eastern, Manulife, Hong Leong Assurance & Prudential Medical Insurance

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

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

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

5) Best medical insurance in Malaysia – is it Prudential medical card?

6) Best medical insurance in Malaysia – is it Manulife medical card?

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

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

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

10) Understand basic medical card terminologies and how you can get the best for yourself

11) Review of Smart Medi 2.0 Lonpac standalone medical card

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1) Comparison table of the Allianz, AIA, Great Eastern, Manulife, Hong Leong & Prudential 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
AIAAllianzGreat EasternManulifePrudentialHong Leong
AIAAllianzGreat EasternManulifePrudentialHong Leong
Get QuotesGet QuotesGet QuotesGet QuotesGet QuotesGet Quotes
Product nameA Plus MedMedi Safe InfiniteSmart Medic Xtra 99Manu Medic Link+PruValue MedMedi Shield II
Rider or TermRiderRiderRiderRiderRiderRider
Death & TPD amount (RM)19,000103,00012,00010,00010,00010,000
Cover up to age10091999990100
Room & Board (R&B) rate RM300300300As Charged300300
R&B ICU Days per year120/120150/150180/180No limit150/90150/75
Pre & Post Hospitalization days per year60/12090/9060/9060/9060/9090/90
Co insureNoNoNoNoNoNo
Co pay for R&B upgradeNo20% of eligible benefits, limited to RM 1,000 per disabilityNo10% of eligible benefits, subject to minimum RM 350 but limited to RM 1,500 per disabilityNoNo
Out patient cancer RM900,000 per lifetime, shared w/ outpatient kidney dialysisPer AL & LLPer AL & LL700,000 per lifetime1.5 million per lifetime, shared w/ outpatient kidney dialysisPer AL & LL
Out patient kidney dialysis RM900,000 per lifetime, shared w/ outpatient cancer treatmentPer AL & LLPer AL & LL700,000 per lifetime1.5 million per lifetime, shared w/ outpatient cancer treatmentPer AL & LL
Out patient stroke RMNoNoNo700,000 per lifetimeNoNo
Out patient dengue RM3,000 per eventPer AL & LLNo700,000 per lifetimeNoNo
Out patient alternative treatment RMRM 10,000 Physiotherapy & Acupuncture Treatment (per Year, within 60 days after disability)3,000 per year, subject to 300/day & 1 visit/day within 30 days dischargeNoNoNoOutpatient Physiotherapy Treatment per AL & LL (within 90 days after disability)
Out patient co insureNoNoNoNoNoNo
Annual limit (AL) RM1.5 million1.2 million1.6 millionNo limitNo limit1.0 million
Life time limit (LL) RMNo limitNo limitNo limit1.65 millionNo limit, but total claim amount exceeding Med Value Point of RM 1 million will be subject to 20% co-insuranceNo limit
No claim bonus5% increase in Initial AL every 2 years for 20 years and remain level thereafter, if total claim amount < RM 5k during the immediate preceding 2 years; 20% increase in Initial R&B every 2 years for 10 years and remain level thereafter, if no claim during the immediate preceding 2 years10% increase in Initial R&B every 3 years of no claim, up to 150% of Initial R&B10% increase in Initial AL every 3 years of no claimNo2% increase in the initial Med Value Point every 2 years, if no claim, up to Med Value point being exceeded10% increase in Initial AL every 5 years of no claim, up to 50% of Initial AL
Coverage extend toSingapore, BruneiSingapore, Brunein.a.n.a.n.a.n.a.
Annual premium (RM)3,9203,0003,4003,6005,1003,804
What feature you want to compare???????????????????

*Less popular health insurance products from AmMetLife, AXA-Affin, Zurich, MCIS and Tokio Marine are omitted from comparison.

**The annual premium was generated based on a 35 years old Male, non-smoker

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.
  • The best thing about Allianz medical card (Medisafe Infinite Xtra) is that it extends coverage treatment in Singapore, following Reasonable & Customary Charges in Singapore. (MediSafe Infinite covers treatment in Singapore but following Reasonable & Customary Charges equivalent to local treatment in Malaysia.) Also, with Medisafe Infinite Xtra, 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.
  • The co-payment clause is an disadvantage but we feel this is no big deal as it is capped at maximum RM 1,000.
  • Given that the premium is the lowest among other medical card riders, this is the best value for money.
  • There is a lower plan known as MediEssential (with annual limit which is a divider factor of 10 and a hard lifetime limit).



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

AIA medical card commentary

  • The medical insurance base plan A-Plus Med has been enhanced with A-Plus Med Booster
  • It provides coverage for Alternative treatments, specifically Physiotherapy and Acupuncture Treatment (per Policy Year and within 60 days after hospitalization)
  • 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.
  • 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)
  • The one thing which we don’t like is the shared limit for outpatient kidney dialysis and cancer treatment and the limit is furthermore capped per lifetime. This is despite it having the 2nd highest annual limit among all medical cards compared.
  • We also don’t like it only has 120 days of Hospital confinement days in a year, the lowest compared to other medical cards.



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

Great Eastern medical card commentary

    • The base 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 the highest number of hospital confinement days - 180
    • 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

    • The base product, Manumedic, with limited annual limit has been enhanced with Manumedic+.
    • 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.
    • The good: No limit on the number of annual confinement days and high annual limit of RM 1.6 million, plus having outpatient stroke coverage which none other medical card in comparison has this benefit.
    • The bad: The outpatient treatments are capped at RM 700k for each per lifetime. There is a (albeit) reasonably high lifetime limit of RM 1.65 million.


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

Prudential medical card commentary

    • Prudential 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 th 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.
    • The good: 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 every medical admission. For objective comparison, we remove this co-insurance feature. Finally, the no co-payment clause is always welcomed.
    • The bad: Evidently, the 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.


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 II rider, its annual limit becomes 10x to 1 million, with no lifetime limit
    • A well-balanced medical card product overall, we opined it is a contender to Great Eastern Smart Medic Xtra 99


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
Allianz#PrudentialHong LeongGreat Eastern
Allianz#PrudentialHong LeongGreat Eastern
Get QuotesGet QuotesGet QuotesGet Quotes
Product nameMedi AidePruValue Med DeductibleMedi Shield II DeductibleSmart Extender Max
Rider or StandaloneRiderRiderRiderRider
Death & TPD amount (RM)43,00010,00010,00033,000
Cover up to age81 (max)80 (90 & 100 option available)100 (fixed)80 (99 option available)
Room & Board (R&B) rate RM300300300300
R&B ICU Days50 days per confinement90 days per year150/75180 days per year
Pre & Post Hospitalization days per year31/6060/9090/9060/180
Deductible amount RM30,000 (lower level of deductible include 2,000, 5,000, 10,000 and 15,000). Non-conversion or auto-conversion to 0 deductible at age 55 can be chosen independently.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 75,000150,000 (fixed, deductible levels follow Room & Board rate, cannot be chosen freely)
Co payment for R&B upgradeNot applicable before age 55; 20% of eligible benefits, capped at RM 1k after age 55Not applicable because no option for auto conversion to 0 deductible. Not applicable before or after age 60, regardless auto conversion is chosen.Not applicable because no option for auto conversion to 0 deductible.
Out patient cancer treatment RMPer AL & LL1.5 million per lifetime, shared w/ outpatient kidney dialysisPer AL & LLPer AL & LL
Out patient kidney dialysis RMPer AL & LL1.5 million per lifetime, shared w/ outpatient cancer treatmentPer AL & LLPer AL & LL
Out patient stroke RM20,000 per yearNoNoNo
Out patient dengue treatment RMNoNoNoNo
Out patient alternative treatment RM20,000 per year !NoOutpatient Physiotherapy Treatment per AL & LL (within 90 days after disability)No
Out patient co insuranceNoNoNoNo
Annual limit (AL) RM150,000No limit1.0 million1.5 million
Lifetime limit (LL) RM1.5 millionNo limit, but total claim amount exceeding Med Value Point of RM 1 million will be subject to 20% co-insuranceNo limitNo limit
No claim bonusn.a.2% increase in the initial Med Value Point every 2 years, if no claim, up to Med Value point being exceeded10% increase in Initial AL every 5 years of no claim, up to 50% of Initial ALNo
Coverage extend toSingapore, Brunein.a.n.a.n.a.
Annual premium (RM)1,2001,2002,7861,200
What feature you want to compare?????????????

*Less popular deductible health insurance products from AmMetLife are omitted from comparison.

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 55:
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 55:
Allianz deductible medical card is clearly the best medical card range here because it is auto-convertible to a full medical card at retirement age – 55. This feature beats out all others without retirement conversion options.

What it means, when you reach age 55, this health 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 55. Besides, it also has:

  • Reasonable co-payment clause capped at RM 1,000
  • Coverage for outpatient stroke treatment and outpatient physiotherapy treatment
  • Coverage extends to Singapore & Brunei (reimbursement basis).

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

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.

It resolves one of the main issue with Allianz Mediaide - by extending age until 100 (vs Allianz 81).

It comes with these conditions though, with only 3 deductible levels (5k, 20k and 75k):

You need to choose RM 20,000 deductible level or higher (RM 75,000) for auto conversion to zero deductible at age 60.

If the lowest deductible level (RM 5,000) is chosen, then you lose the option to auto convert to zero deductible at age 60.

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

health insurance mm2hThe intricacies of the best medical insurance is not to be underestimated 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.
  • Last entry age – the last age where you can buy a medical insurance policy. Normally it could be at 60, 65 or 70.

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) Review of Smart Medi 2.0 Lonpac standalone medical card


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 are tight on budget.

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

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

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


About the Author

Lieu CFCF 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.

Click Here to access a Public Register of License Holders, then search under Representatives – “Lieu Ching Foo”

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.

Alternatively, you can connect with him via his LinkedIn profile HERE

Your say?

    111 replies to "Great! 6 Best Medical Cards in Malaysia 2017-2018: complete comparison"

    • Imrana

      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 ?


    • Kumar al suparmany

      Tolonng ck insuran untok i bulan berapa 8.1.1981

    • Ainie

      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?

      • ChingFoo Lieu

        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 >

      • http://askcf.com/compare-quotes/
  • May Thong

    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??

  • Sathiya Bama

    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.

  • Cliff

    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?

    • ChingFoo Lieu

      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).

  • Tan

    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.

    • Tan

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

    • ChingFoo Lieu

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

    • Cliff

      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?

      • ChingFoo Lieu

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

        • Cliff

          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.

          • ChingFoo Lieu

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

    • Cliff

      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?

  • Phillis Chin Xin Yin

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

  • Merina

    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.

    • ChingFoo Lieu

      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 > http://askcf.com/compare-quotes/

      Hope that helps. Cheers

      • Merina

        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.

  • Kings

    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

  • Kelly

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

    • ChingFoo Lieu

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

  • joseph

    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)

    • ChingFoo Lieu

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

  • halim

    Mr CF Lieu
    Any comparison for Takaful Medical Card?


    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?


  • wong

    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

  • Valentino

    Dear CF,

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

    Best regards,

  • Eric Lau

    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?

    • ChingFoo Lieu

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

      • Eric Lau

        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

  • Vinnie

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

    • ChingFoo Lieu

      Vinnie probably not because it is usually not medically necessary

  • Max

    Hi CF,

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


  • Cindy

    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?

    • ChingFoo Lieu

      Cindy, your understanding is correct.

      • Cindy

        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!

        • ChingFoo Lieu

          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.


    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


    • ChingFoo Lieu

      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?

  • Simon

    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?

    • ChingFoo Lieu

      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.

  • Steph

    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.

    • ChingFoo Lieu

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

  • Andrew

    Hi Mr Lieu,

    I read an earlier comment:

    “ChingFoo LieuReply Reply
    Venice, please get the brochure from here – http://askcf.com/best-medical-card-2016/

    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”?


    • ChingFoo Lieu


      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 AskCF.com 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.

  • Andrew

    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).


  • Vijai

    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?

    • ChingFoo Lieu

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

  • Thinesh Varan

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

  • Adli

    Can you make a new list comparing takaful medical card?

  • Eddy

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

    • ChingFoo Lieu

      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.

  • Winnie

    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

  • Wong

    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?

    • ChingFoo Lieu

      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.

      • Wong

        Dear Lieu,

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

  • Jane

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

    • ChingFoo Lieu

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

  • adzwan

    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..

    • ChingFoo Lieu

      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?

  • Kym

    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?

    • ChingFoo Lieu

      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 🙂

  • Jayaraj

    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.

    • ChingFoo Lieu

      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 – http://askcf.com/details-ilp/

      Cheers, and thank you for your kind words

  • CyNg

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

  • Tan Soo Cheng

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

    • ChingFoo Lieu

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

  • Winnie

    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

    • ChingFoo Lieu

      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.

      • Winnie

        Thanks Mr. Lieu for your reply~

  • BooShannon

    Dear Mr. Ching Foo,

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

  • Cindy

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

    • ChingFoo Lieu

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

      • Cindy

        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.

      • Cindy

        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.

        • ChingFoo Lieu

          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.

          • Cindy

            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.

  • BooShannon

    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?

    • ChingFoo Lieu

      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 http://askcf.com/ Cheers

      • Boo Shannon

        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.

        • Boo Shannon

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

  • Rusdi

    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

    • ChingFoo Lieu

      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.

  • lOUIS

    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 ?

    • ChingFoo Lieu

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

  • Ng Kok Wee

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

  • […] This is a useful related post: Best medical card in Malaysia, the most complete comparison […]

  • Jacob

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

  • Jacob

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

  • Venice

    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.

    • ChingFoo Lieu

      Venice, please get the brochure from here – http://askcf.com/best-medical-card-2016/

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

      • Venice

        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?

        • ChingFoo Lieu

          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…..you 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.

          • Venice

            Thank you for that. Appreciate it.

  • […] intricacies of the best medical card for you is not to be underestimated if you plan to retire in Malaysia for long term. Since health […]

  • […] intricacies of the best medical card for you is not to be underestimated if you plan to retire in Malaysia for long term. Since health […]

  • ChingFoo Lieu

    Hi Kang, I sent an email to you last week

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