What is this Allianz Booster Care medical cover all about?
Allianz Booster Care (ABC) is a top-up medical plan with complete healthcare benefits for when you're in or out of the hospital.
What does it mean by a top-up plan? You may already have a personal health insurance or employee medical benefits, but the Allianz Booster Care can have you covered for the more major illnesses most conventional plans don't provide!
With your Allianz Booster, you will get extra protection for hospitalisation, surgical expenses, ambulance fees, and even home nursing care.
You can decide on different deductible options to suit your budget, and also the flexibility to choose your annual and lifetime limits with 5 different Allianz Booster Care plans.
How much do I need to pay Allianz?
The premiums may vary depending on your age, occupation, and also the chosen plan.
You will pay a lower premium rate if you choose a higher deductible amount.
However, Allianz Booster Care is not available for those working as drivers, firemen, quarrymen, armed forces personnel, navy personnel, seamen, and police.
I don't understand the deductibles?
How the deductible works is, that when you choose your plan, be sure to choose a premium that you're comfortable with, as well as the deductible amount you are comfortable with.
When you have a deductible, it means that only after you have paid the amount for the deductible, will the insurer cover your claims.
Until then, when you have to make a claim, you will need to pay the difference if the claim is more than your deductible, or the whole amount if it's less.
Do I get out-patient benefits?
Yes, you can. Benefits include cancer treatment and kidney dialysis treatment coverage at Allianz panel hospitals.
Allianz will pay for your cancer and kidney treatments up until your annual or lifetime limit. However, you need to pay the deductible amount before your policy takes over!
Tell me more about my coverage when in Singapore?
You'll still have access to 100% of your medical and hospitalisation benefits you already enjoy in Malaysia.
There's no doubt that this plan is designed for those who frequent Malaysia and Singapore!
So if you're staying in JB but work in the bustling island state, the Allianz Booster Care medical card is definitely for you.
However, please take note that your reimbursements will only be in Malaysian Ringgit.
Allianz will reimburse the eligible coverage based on the exchange rate on the last day of your hospitalisation.
Do I need to renew my policy every year?
Yes, the duration of this plan is only for 1 year. You need to renew your policy annually to continue enjoying the healthcare benefits.
Can I cancel my policy anytime?
You can cancel your medical plan by returning it to Allianz within 15 days after receiving the policy.
The premiums that you've paid so far will be refunded to you in full if no claims have been made.
On the other hand, you can also cancel your policy after the cooling-off period. Just write a notice to Allianz and you may still get refunds from Allianz.