What is the MedicaGen 200 then?
MedicaGen 200, is a new and improved Zurich medical insurance cover that offers protection to all those who have it against the financial burden of having a medical catastrophe. It will prepare you for the sometimes-overwhelming cost of medical treatments and help you to concentrate your efforts on getting better instead of worrying about expenses.
How much does it cover?
Well like most plan the MedicaGen 200 covers all medical and hospital service related expenses. So that means everything from room and board to the use of the ICU on to surgical fees and physician visits. These are all the costs covered by the policy itself.
However, the perks of this plan is that it also covers a select number of outpatient and post-hospitalization treatments. Such as kidney dialysis treatments, cancer treatments and physiotherapy should you require it. Also, in case you face any accidental injury after your surgery or hospitalization, the remedies for that will be covered by the policy.
Other than that, you will have coverage for child care, ambulance fees and home nursing care, if recommended by the doctors.
Are there benefits?
Well there are a couple that you might want to take note of. This policy comes with high annual and lifetime limits and protection of up to 3 times the overall annual limit. Unlike most medical insurance plans, this one comes with and personal accident cover of RM50,000 as well.
MedicaGen 200 is made up of 4 different plans within the policy, each with varying ranges of coverage and varying ranges for premiums. Therefore, you can choose to select and customize the plan you want to meet your needs and your budget as you see fit.
Who can get this plan?
Anyone over the legal age can purchase this plan, as and when you want to. For parents who are picking it up for your kids, they need to be at least a year old before they become eligible for the plan. Maximum entry age for this policy is before your 60th birthday. After which, the plan can be renewed up till the age of 75.