What is the Berjaya Sompo B-Health Net about?
Sure, you don't plan to get sick - but who does? Most people need medical care at some point in their lives and you're no different.
This Berjaya Sompo health insurance covers the cost of your hospitalisation, surgical fees, and home nursing among other healthcare benefits. Protect yourself from unexpected high medical costs now - there's no need for a medical check-up to buy!
So what makes this Berjaya Sompo B-Health Net stand out?
Don't want to touch your savings? You can get full cash compensation up to your annual limit when you're admitted to the ICU, pre-hospitalisation diagnostic and specialist consultation, ambulance fee, and emergency accidental outpatient treatment.
I you got a family of four, you can get to shave off a significant amount from your yearly insurance premium with up to 15% family discount. Got a spouse and three kids? You're all set for complete healthcare protection at an affordable price.
Who can apply for this medical insurance plan?
Any Malaysian aged between 19 to 55 are encouraged to sign up. You can renew with Berjaya Sompo until you reach the age of 76.
If you have children under your care, you can insure them as well as long as they're at least 30 days old but under 19 years old, up til the age of 23 for those registered full time students at a recognized university or college in Malaysia.
How much premium do I have to pay?
Your yearly premium is based on your age and chosen plan, subject to underwriting requirements by Berjaya Sompo. Remember, you get 15% off if you include your spouse and children under the same Berjaya Sompo insurance plan.
How long am I covered for and can I renew my policy?
Your insurance policy will become effective on the date stated in the schedule and it will expire exactly one year from that date. Can you renew? Of course you can, but you may pay a higher premium at renewal.
Don't worry, it won't be a surprise - a notice of 30 days will be given should your premium increase. Factors contributing to the increase of renewal premium are your age and your claim experience
Are pre-existing illnesses covered by this plan?
No they aren't. Pre-existing illnesses that you suffer from before the effective date of your insurance policy cannot be covered.
You also won't be covered for specified illnesses occurring during the first 120 days of continuous cover. Any medical or physical conditions arising within the first 30 days of your cover or reinstatement date unless due to accidental injuries.