What is Allianz Diabetic Essential?
Having diabetes should not be a deal breaker when it comes to full medical coverage, everyone should have the right to comprehensive and affordable medical care. Allianz Diabetic Essential, is a comprehensive medical protection plan that offers you medical care, for Type 2 Diabetes.
What am I covered against?
Similar to other medical insurance plans, Allianz Diabetic Essential offers you coverage for hospitalisation and surgical care, along with other medical charges. You will also have coverage for pre-hospitalisation, in terms of consultations and diagnostic tests, as well as post- hospitalisation, should you need any after care.
The policy also covers out-patient care for cancer, kidney dialysis and dengue or enteric fever. Since this is also a diabetes specific insurance plan, the plan also provides, diabetes management benefits. Once a year, you will have access to a health screening benefit, claimable up to RM250, for the following tests;
- Medical examination by a Doctor
- Glycated Haemoglobin (HbA1c)
- Urine FEME
- Renal Function test
- Lipid Profile
A benefit like this will allow you to keep track of your diabetes progressively.
What other benefits do I get?
Allianz Diabetic Essential comes with a premium discount benefit that is applicable subject to the results of your Health Screening Benefit tests. For example, when you first sign up for the plan, and have a good medical report, then Allianz may offer you a 20% discount on your premium.
By submitting your medical reports annually, you will receive 10% discount even if your medical report results aren’t very good. Depending on your report, you may receive a discount of up to 40% off on your premiums.
The premium discount rates are not guaranteed and the rate given may vary from policy year to policy year.
Who can apply for this plan?
Anyone at the age of 30 and above can pick up this medical plan, with a final application age of 60. The coverage will continue to the maximum age of 70 with its expiry at 71 years old. The plan is open to both male and female Malaysian Citizens, who have Type 2 Diabetes.
How do the premiums work?
Your premium rate will be based on several factors, including your age, gender, medical conditions, your occupational class and the plan you choose. It can either be charged on a per annum or monthly basis and will be recalculated to accommodate any discounts you may earn.