In times of good health, we need ourselves to maintain a healthy, balanced diet and reasonable amounts of exercise to help prevent chronic diseases. While there is some truth to the saying prevention is better than cure”, there are too many external and internal factors which could cause illnesses, like electromagnetic radiation emitted from everyday electronics, the air we breathe, the water we drink and even what others do around us.
Hence, in times of sickness, we need doctors and healthcare facilities, and good healthcare doesn’t come cheap nowadays. HLA MedGLOBAL IV Plus aims to help you look after your well-being.
What is this policy all about?
The Hong Leong Assurance touts the MedGLOBAL IV Plus as “the complete health care plan for Malaysians. It comes with 4 plans for you to choose from, with the lowest and most affordable coverage being the Plan 150, up to the top-tier Plan 400 to ensure you’re well covered regardless of the amount of funds you’re willing to budget for a medical insurance policy.
Who is this insurance policy for?
With a comprehensive coverage, high annual limit, lifetime limit, worldwide coverage as well as 24 hours Medical & Emergency Assistance Services, this policy is likely for those who prefer to get the best coverage possible, renew every year and be done with it. If you’re the kind of person who would rather upgrade to a better insurance policy once every 5 to 10 years – which is not a bad thing to do – then perhaps you would want to consider alternatives.
What are the benefits of this medical insurance?
This policy provides a high annual limit that will surely give you better security both financially and medically if something bad were to happen to you or if you are diagnosed with a condition that would require constant follow up visits to hospitals or specialists within the same year to help give you the best chance of survival and recovery.
Who is eligible to purchase this insurance policy?
Any Malaysian in good health, aged between 1 month and 70 years is eligible to be covered under this insurance policy. It is generally recommended to get a medical insurance policy before your 30th birthday, because the premiums will normally be higher if you were to sign up after you’re 30 years old. However, do note that all applications and the final premium fees are subject to approval by the underwriting insurance company.
What does the policy cover if I need to get treatment overseas?
The policy covers overseas treatment if you require it. Do remember that if you wish to seek treatment outside of Malaysia, benefits in respect of the treatment covered will be subject to exclusions, limitations and conditions specified in the policy, and all benefits will be payable based on the official exchange rate quoted by Maybank Berhad on the last day of the period of confinement in the hospital. Note that the cost of transportation to the location of treatment provided will not be covered.