Tell me about this Etiqa Elite Takaful Medical
As the name implies, the Elite Takaful Medic Rider is a medical insurance plan made to be a rider for those of you who have or are taking up the Elite Takafulink. Regardless, it is a comprehensive medical insurance plan that you could consider picking up to provide you with additional coverage in case your current provider or employer is not hitting the mark.
It is a Takaful insurance product but is open to all who want it.
How much does it cover?
Being like any other medical insurance plan, this one will also look after and cover any hospital related charge for the use of its facilities and supplies. Which means that all surgical fees, use of equipment, operating theaters, rooms and board, ICU and physician visits are all covered by the protection plan. In addition to that, the protection plan covers child guardian benefits for parents or families with small children, in selected circumstances.
Moving on, this takaful protection plan also covers certain outpatient treatments and post-hospitalization care that you might need after a surgery. Among these perks is coverage for kidney dialysis treatment, cancer treatment, physiotherapy, home nursing care and organ transplants up to 10 transplants per certificate year. You will also not have to worry about miscellaneous expenses like ambulance fees, day surgery fees, emergency and accidental medical assistance or GST.
What are the perks of this protection plan?
Well this policy comes with a selection of 5 plans that you can choose from, each with varying ranges of coverage and varying premiums. Therefore, you get to decide which plan you would like to go for based on what you need and what your budget can accommodate. You can also enjoy a no claim bonus, where you will be rewarded an RM300 that will be converted to units and added to your certificate ever three years that you do not make a claim.
Aside from that, if you need the reassurance, as it is your choice, you will also be covered for a second medical opinion and alternative medical treatment. So be sure to exhaust every available option when it matters. Lastly, with this policy, you will get a cashless Admissions Card. It will make your life a lot easier when getting into hospitals for treatment, simply present that card at any panel hospital.
Who can apply for this plan?
Anyone over the age of 17 can independently hold this plan, but of course, the plan can be applied to children too. For parents who want to get it for their kids, they need only be 30 days old to be eligible for the policy.
The maximum entry age for the plan is 65 years old and can be extended to your 87th birthday.