With the ever-increasing costs of healthcare, pharmaceuticals and medicine, it is no longer sufficient to have minimum medical coverage from your employer. Don’t forget that for a lot of companies, the insurance coverage has an annual group limit. So, if in some weird event that a dozen employees fell sick, filed medical claims and exhausted the annual limit, you may not be covered if you’re the next person who got sick and needed some medical attention. This is one of the reasons why it is recommended to have your own medical card.
What is this insurance policy all about?
Multi Medi-Plus is a comprehensive medical insurance that protects you and your family, whether you’re at home or abroad.
What are the benefits of this medical insurance?
While we appreciate the hard work of fellow Malaysians working in the public hospitals, there could be times when you would prefer to avoid the crowd or have slightly more dedicated medical personnel to attend to your needs.
MPI Generali Multi Medi-Plus covers specialist consultations, surgeon fees, anesthetist fees, operating theatre fees, in-hospital physician visits, physiotherapy and even emergency dental treatment as charged, as long as you don’t exceed your annual or lifetime limit.
What is special about MPI Generali Multi Medi-Plus?
Doctors are humans too, and sometimes they make mistakes. Unless it’s an emergency, it’s always good to get a second opinion before committing to a surgery which could permanently affect your body in the future. Multi Medi-Plus provides coverage for a second surgical opinion so you’ll be able to make an informed decision.
Apart from that, you and your family members will have worldwide coverage 24 hours a day, regardless of whether you’re on holidays or for business travels.
Is there an age limit to get covered with this insurance plan?
Anyone between 30 days old to 59 years old, based on last birthday, can apply for this insurance policy. You may renew your insurance policy until you’re 70 years old, with the final year of your policy being your 69th birthday.
Who is this medical insurance policy for?
Considering the policy provides coverage both in Malaysia and abroad, this policy is great if you and your family love to travel abroad frequently.
What if I decide to change my mind after purchasing? Can I get a refund?
The insurance plan comes with a 15-day free-look period. In other words, once your coverage has been activated, and the insurance policy documents have been sent to you, you may choose to terminate or cancel the plan within 15 days if you think this is not the right medical insurance for you.
How can the insurance company help me with hospitalisation?
If you’re suffering from a condition that is covered under the insurance policy, MPI Generali’s appointed Managed Care Organisation (MCO) will help you with the admissions at any of the panel hospitals. The important phone numbers will be stated in your policy book, so it’s also best to save these phone numbers in your mobile phone (as well as your family’s mobile phones) in case anything unfortunate happens.