Best Health Insurance for Alzheimer's in Malaysia

Alzheimer's disease is the most common cause of dementia or senility, accounting for up to 60% of all cases. Health insurance with critical illness coverage helps you manage daily care and reduce the burden on your loved ones.

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RHB Easy-Insurans Kasih Critical Illness

RHB Easy-Insurans Kasih Critical Illness

This is a comprehensive healthcare insurance that'll protect you and your finances upon diagnosis of serious illnesses such as cancer, kidney failure, or AIDS.

Sum Assured
from RM50000
Cancer
Covered
Diabetes
Not Covered
Alzheimer
Covered
Read moreGet Covered Now
AmLife HealthCare Secure

AmLife HealthCare Secure

Worry not about medical expenses to burden your loved ones. AmLife SecureCare provides double payout and multiple claims for your added protection. What's more, no waiting in between claims!

Sum Assured
from RM50000
Cancer
Covered
Diabetes
Not Covered
Alzheimer
Covered
Read moreGet Covered Now
Great Eastern Great VantageCare

Great Eastern Great VantageCare

Stay protected even after you've made a critical illness claim with Great Eastern's unique buyback option - you won't have to worry about major illness and diseases striking twice!

Sum Assured
from RM30000
Cancer
Covered
Diabetes
Not Covered
Alzheimer
Covered
Read moreGet Covered Now
Prudential PRUmultiple Crisis Cover

Prudential PRUmultiple Crisis Cover

An insurance plan that allows you to make multiple critical illness and cancer claims. Enhance your policy with additional benefits against death and permanent disability.

Sum Assured
from RM25000
Cancer
Covered
Diabetes
Not Covered
Alzheimer
Covered
Read moreGet Covered Now
AXA Affin AssureCare

AXA Affin AssureCare

A severe illness can alter your life completely, from your finances to your daily routine. With AssureCare, claim against all 36 major illnesses for a smooth road to recovery.

Sum Assured
from RM25000
Cancer
Covered
Diabetes
Not Covered
Alzheimer
Covered
Read moreGet Covered Now
Zurich Prowell Critical Illness

Zurich Prowell Critical Illness

A standalone insurance plan, protecting you up to the age of 100 from all critical illness, death, or permanent disability. If you stay healthy, you will receive 100% of your sum assured upon maturity.

Sum Assured
from RM25000
Cancer
Covered
Diabetes
Not Covered
Alzheimer
Covered
Read moreGet Covered Now
Manulife Cover-Me-Again

Manulife Cover-Me-Again

There is no guarantee that you won't get another heart attack or stroke. This policy is a critical illness plan that will cover you for selected conditions twice!

Sum Assured
from RM20000
Cancer
Covered
Diabetes
Not Covered
Alzheimer
Covered
Read moreGet Covered Now
Great Eastern Great Early Living Care

Great Eastern Great Early Living Care

Don't let an expensive hospital bill burden you or your family. Be insured against severe illnesses even during the early stages, plus zero waiting period between submission of claims.

Sum Assured
from RM20000
Cancer
Covered
Diabetes
Covered
Alzheimer
Covered
Read moreGet Covered Now
AIA A-Life Critical Care

AIA A-Life Critical Care

Have a proper medical emergency plan with the AIA A-Life Critical Care. This includes coverage up to the age of 85 for severe illness, including death and total permanent disability benefits.

Sum Assured
from RM20000
Cancer
Covered
Diabetes
Not Covered
Alzheimer
Covered
Read moreGet Covered Now
Great Eastern Great Essential Living

Great Eastern Great Essential Living

Give yourself a chance against major health illnesses and diseases with up to 80% extra sum assured in your next policy year - death and total or permanent disability coverage all included in one policy!

Sum Assured
from RM20000
Cancer
Covered
Diabetes
Not Covered
Alzheimer
Covered
Read moreGet Covered Now
AIA A-Life Critical Shield

AIA A-Life Critical Shield

A critical illness policy that will have you covered up to the age of 85. Your protection will increase as you progress through life, and you won't need to pay for premiums your entire protection term.

Sum Assured
from RM15000
Cancer
Covered
Diabetes
Not Covered
Alzheimer
Covered
Read moreGet Covered Now
Allianz Powerlink Multi-Care

Allianz Powerlink Multi-Care

A one lump sum payment to your family is never enough. With the Multi-Care plan, you will be able to claim for up to 3 critical illnesses from 7 specified groups.

Sum Assured
from RM10000
Cancer
Covered
Diabetes
Not Covered
Alzheimer
Covered
Read moreGet Covered Now
Prudential Crisis Cover Plus

Prudential Crisis Cover Plus

An insurance policy that provides a lump sum payment benefit in case of death, total permanent disability or diagnosis of any of the 36 critical illnesses.

Sum Assured
from RM10000
Cancer
Covered
Diabetes
Not Covered
Alzheimer
Covered
Read moreGet Covered Now
Prudential Crisis Defender

Prudential Crisis Defender

With the Prudential Crisis Defender, you will enjoy no waiting period, a maximum of 6 claims, and coverage for up to 85 major illnesses and medical conditions.

Sum Assured
from RM10000
Cancer
Covered
Diabetes
Not Covered
Alzheimer
Covered
Read moreGet Covered Now
Prudential Early Crisis Protector

Prudential Early Crisis Protector

A supplementary plan for the Prudential Early Crisis Defender. Claim up to 6 times for over early stage illnesses such as cancer, heart problems, and kidney failure.

Sum Assured
from RM10000
Cancer
Covered
Diabetes
Not Covered
Alzheimer
Covered
Read moreGet Covered Now
Allianz Powerlink Critical Illness Income Rider

Allianz Powerlink Critical Illness Income Rider

Continue to receive a steady income even when you are unable to work due to a severe medical condition. Enjoy additional total permanent disability coverage for no extra payment!

Sum Assured
from RM10000
Cancer
Covered
Diabetes
Not Covered
Alzheimer
Covered
Read moreGet Covered Now
AIA A-Plus Critical Care

AIA A-Plus Critical Care

This CI policy can be attached to a Life basic plan or an investment-linked insurance plan, with coverage for all 36 critical illnesses. Have complete peace of mind with the AIA A-Plus Critical Care.

Sum Assured
from RM10000
Cancer
Covered
Diabetes
Not Covered
Alzheimer
Covered
Read moreGet Covered Now
AXA Affin Critical Illness

AXA Affin Critical Illness

Whether it's Alzheimer’s or Parkinson’s disease, you can never be too prepared for such unfortunate consequences. Get covered whenever you are struck with one of the 36 major critical illnesses now.

Sum Assured
from RM10000
Cancer
Covered
Diabetes
Not Covered
Alzheimer
Covered
Read moreGet Covered Now
AXA Affin 110 CI Care

AXA Affin 110 CI Care

Can you afford medical treatment for your failing kidney or early stage cancer? This package will cover you for up to 110 critical illnesses with 100% payout for any cancer related diseases.

Sum Assured
from RM10000
Cancer
Covered
Diabetes
Covered
Alzheimer
Covered
Read moreGet Covered Now
AIA A-Plus Early Critical Care

AIA A-Plus Early Critical Care

A complete critical illness rider that allows claims for early detection of major illnesses. Have coverage for up to 92 critical illness conditions across 3 levels of severity.

Sum Assured
from RM5000
Cancer
Covered
Diabetes
Covered
Alzheimer
Covered
Read moreGet Covered Now
AIA A-Plus Multi Critical Care

AIA A-Plus Multi Critical Care

A special CI plan that allows for multiple claims for a critical illness, which includes up to 2 cancer claims. Up to 100% of your sum assured can be received for each claim.

Sum Assured
from RM5000
Cancer
Covered
Diabetes
Not Covered
Alzheimer
Covered
Read moreGet Covered Now
Manulife CI Early Advantage

Manulife CI Early Advantage

Have the financial support to pay excessive medical treatment for 36 critical illnesses from the early to advance stage. Extra Get-Well-Benefit of 5% of sum assured for your first claim up to RM5000.

Sum Assured
None
Cancer
Covered
Diabetes
Not Covered
Alzheimer
Covered
Read moreGet Covered Now
Allianz Powerlink PayorCover

Allianz Powerlink PayorCover

PayorCover comes with a comprehensive list of critical illness coverage that provides continuous insurance and financial protection for you and your loved ones.

Sum Assured
None
Cancer
Covered
Diabetes
Not Covered
Alzheimer
Covered
Read moreGet Covered Now
Allianz Powerlink SecureCover

Allianz Powerlink SecureCover

Have complete coverage against death, total and permanent disability and any of the 36 critical illnesses with the investment-linked Allianz Powerlink SecureCover plan.

Sum Assured
None
Cancer
Covered
Diabetes
Not Covered
Alzheimer
Covered
Read moreGet Covered Now
Allianz Powerlink Secure Cover Plus

Allianz Powerlink Secure Cover Plus

This policy ensures that your child's welfare is taken care of. Allianz will continue to pay for your little one's life insurance plan should you or your spouse fall ill or pass away.

Sum Assured
None
Cancer
Covered
Diabetes
Not Covered
Alzheimer
Covered
Read moreGet Covered Now
Citibank Secure CI Plus

Citibank Secure CI Plus

Get on track to a speedy recovery with comprehensive coverage from Citibank. Have all the financial support and security you need with no increase in premiums throughout your policy term!

Sum Assured
None
Cancer
Covered
Diabetes
Not Covered
Alzheimer
Covered
Read moreGet Covered Now
Zurich Early Care Critical Illness

Zurich Early Care Critical Illness

Upon a diagnosis of any critical illness, have complete financial security for your treatment and recovery, including rehabilitation benefits and a second medical opinion allowance.

Sum Assured
None
Cancer
Covered
Diabetes
Not Covered
Alzheimer
Covered
Read moreGet Covered Now
Citibank Advance CI Care

Citibank Advance CI Care

What's better than an insurance plan that helps you with early detection and treatment for critical illnesses such as cancer and stroke? Free from woe with multiple claims and no waiting period.

Sum Assured
None
Cancer
Covered
Diabetes
Not Covered
Alzheimer
Covered
Read moreGet Covered Now
Zurich ProLife 36 Super Basic

Zurich ProLife 36 Super Basic

Start your protection early with coverage against 36 critical illness and dread diseases, for children and adults alike. Live life on your own terms with Zurich ProLife 36 Super Basic!

Sum Assured
None
Cancer
Covered
Diabetes
Not Covered
Alzheimer
Covered
Read moreGet Covered Now
Great Eastern Great Early VantageCare

Great Eastern Great Early VantageCare

Live in the moment with a protection plan that provides critical illness cover from the early to advance stages up to 50% of the total sum assured, with multiple claims and maturity benefits.

Sum Assured
None
Cancer
Covered
Diabetes
Not Covered
Alzheimer
Covered
Read moreGet Covered Now

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Frequently Asked Questions About Alzheimer's Disease

Pharmaceutical companies are still racing to develop a cure for Alzheimer's disease. Read to learn more about this condition and find out how a Critical Illness insurance coverage can help protect and assist you financially.

Symptoms such as memory loss, difficulty with thinking, problem-solving or language is known as Dementia. And about 50%-60% of all cases of dementia is caused by Alzheimer’s disease, known in some places as “The Long Goodbye”, as the illness normally stretches to over 10 or even 20 years.

It certainly doesn't make it any easy watching loved ones slip into a sympathetic state especially when there is no cure to the disease, even in modern times. Let's learn more about Alzheimer's and what Critical Illness policies out there can do to help you take it all in good stride should the unfortunate happen.

What is Alzheimer's Disease?

Alzheimer’s Disease is a condition in which nerve cells in the brain die, therefore making it difficult for brain signals to be transmitted properly. The death of the nerve cells occurs gradually over a period of years, and most people don’t take heed until the symptoms or signs become obvious.

During the course of the disease, nerve cells die in particular regions of the brain. The brain then shrinks as gaps develop in parts of the brain responsible for storing and retrieving new information. This affects a person’s ability to remember, speak, think and even make decisions.

Causes of Alzheimer’s Disease

No one really understands what causes Alzheimer’s Disease, and it has been a topic of interest among medical and health care professionals for many years. Advancing age and a family history of dementia increases one’s risk of developing it.

Based on statistics, the number of people diagnosed with Alzheimer’s disease doubles every 5 years beyond the age of 65. For persons above the age of 85, one in 4 can develop this disease, roughly 25% of the population of that age.

What are the symptoms of Alzheimer’s Disease?

Common symptoms in people with Alzheimer’s disease include:

  • Difficulty remembering things or learning new information.
  • Often get lost when on their own, and may not remember where they are or how they got there.
  • They often misplace things, and can’t remember they put the things they use everyday.
  • Difficulty performing daily tasks, such as eating, dressing up and grooming.
  • They could become unusually angry, irritable, restless, quiet, or could even become confused, paranoid or fearful.
  • Decreased judgement. They could go to the store wearing their pyjamas, or leave the house without an umbrella on a rainy day.
  • Difficulty understanding simple commands or directions.
  • Can’t recall words, name objects or understand the meaning of common words.
  • Can’t arrange items in a certain order or recognise shapes.

How is Alzheimer’s Disease Diagnosed?

If you think you or your loved one has signs of Alzheimer’s, you should see a doctor to know for sure. The doctor may start with a physical exam and ask questions about past and current health. This includes:

  • Symptoms - whether you have any trouble with everyday tasks.
  • Existing or past medical conditions.
  • Medications you’re currently taking.
  • Personal history, like living conditions, employment, important life events.
  • Your mental health, whether you have any issues such as depression.
  • Family history, especially regarding any illnesses.

The doctor may also run some tests to check on your problem solving skills, attention span, counting skills and memory. Some of the more advanced checks include CT Scan and Magnetic Resonance Imaging (MRI).

Treatment for Alzheimer’s Disease

At the moment, there is no cure for Alzheimer’s disease but drug and non-drug treatments may help with some of the symptoms, especially in terms of behaviour. Alternative treatments such as psychosocial interventions may also help to reduce some specific problematic behaviours.

However, supportive psychotherapy has received little to no formal scientific study, plus there has yet to be any scientific evidence to support the effectiveness of these therapies.

Since Alzheimer’s has no cure and it gradually renders persons incapable of tending to their own needs, the most realistic way to manage the disease is via care-giving over the course of the disease.

During the early stages, modifications to the living environment may increase the safety of the patient and reduce the burden on caretakers. If eating becomes difficult, then food will need to be prepared in smaller pieces or even pureed.

As the disease progresses, some medical issues can appear, such as oral and dental infections, malnutrition, hygiene and breathing problems. Good management can prevent such complications.

During the final stages of the disease, treatment is focused on relieving discomfort until death, usually with the help of a hospice.

Prognosis – What happens after one has been diagnosed with Alzheimer’s Disease

Life expectancy of people with the disease is reduced, with the average of approximately 6 years. This is due to the decrease of functional level, increased number of falls, as well as other coincident diseases such as heart problems or diabetes.

Eventually a person with Alzheimer’s will need complete care. Even if the person has no other serious illnesses, the loss of brain function itself will eventually cause death.

Which insurance policies cover Alzheimer’s Disease?

Most Critical Illness insurance cover Alzheimer's Disease or Irreversible Organic Degenerative Brain Disorders. For most plans in general, the sum assured is payable if the policyholder is diagnosed with Alzheimer’s as defined in your policy contract. Apart from that, upon diagnosis of the critical illness, all future premiums will be waived until death.

Do you have questions about Alzheimer's to get off your chest? Drop us a line in the comments section down below and we will get back to you as soon as we can.