Good health is one of the primary prerequisites for enjoying what life has to offer. It allows you to function normally, to be able to spend quality time with your loved ones, and to indulge in the occasional spoils you might be able to afford just for the experience. The best investment you could ever make, therefore, is good health. Etiqa’s Ultra Medic Rider is designed help you gain access to better healthcare offered by talented specialists in Malaysia.
What is this policy all about?
The Etiqa Takaful Ultra Medic Rider is a hospital and surgical takaful premier medical plan that provides comprehensive medical coverage of up to RM1.5 million during your lifetime, and a choice of 5 different plans to suit your budget and healthcare needs.
What are the benefits of this medical insurance?
As a policy holder, you are entitled to receive coverage on a Medical Second Opinion. What this means is that once you have received the results from your diagnostic test, if you have any doubts to the accuracy of the doctor’s diagnosis of your condition, you have the privilege to submit your medical files to a medical center of your choice. A specialist may then have a look at your files and provide a report on his/her second opinion, which will be sent to you and your local physician. Together with your medical physician, you may then determine the next best course of action to treat your illness.
Do note that if the medical center decides to perform more diagnostic tests on you which was not part of the initial diagnosis, you will need to bear the additional costs incurred.
Is Traditional and Complementary Medicine (TCM) covered in this policy?
You may seek post-hospitalisation alternative treatments, including Chiropractic, Chiropody, Homeopathy, Osteopathy or Acupuncture as long as it is via a registered practitioner licensed under the Ministry of Health Malaysia.
Does this policy come with a medical card?
You will receive an admission card that gives you access to the benefits in the plan. This convenient, all-in-one card ensures that every check-in and discharge at Etiqa’s panel hospitals are cashless and hassle-free.
Will there be any additional fees or charges?
With Etiqa Takaful Ultra Medic Rider, your treatment will be paid in full according to the plan you’ve purchased, so you don’t have to worry about bearing a portion of the treatment cost.
If I have never made a claim, will I receive some incentives or benefits?
For maintaining a good health, Etiqa will reward you with 5% of the rider’s contribution, as long as there is no claim made in the previous year. Do note that the 5% no claim bonus starts from the third certificate year onwards.