I hope this is the right section for this ...

I'm looking to get some kind of health insurance / medical card whilst I'm staying in Malaysia (I come from the UK) just in case anything should happen , better to be safe than sorry! I'm a type 1 diabetic and on insulin, so I guess this might complicate things slightly (more expensive?) , just looking for some recommendations really and a guide as to how much I'd be expecting to pay roughly per month before I start contacting some agents.

I've read ING and Prudential are meant to be good ?

Any other advice/tips welcomed! Thank you

They may cover you, but there will be big exclusions.

They will definitely exclude diabetes itself, and all degenerative diseases
associated with it - vascular (cardiovascular, hypertension, cerebrovascular
- strokes, peripheral vascular system), optical (eyes - retinopathy, glaucoma, cataracts),
renal (kidneys, renal hypertension).

(Bear in mind that diabetes compromises the entire body.)

In effect, a bit chunk of your health will not be covered. Once I told a
friend about Tokyomarine's Medic Plus., a top-up (excess RM 10,000) policy.
They sent a Bengali senior underwriting staff to assess him, found out his
HbA1c was high, and offered him a policy with so many exclusions that it
was virtually useless.

Needless to say, he never bought it, and neither would I.





This post has been edited by Tham: Mar 27 2012, 02:23 AM

Thanks for the post.

Not very good news really, a lot of exclusions for sure. So if the above is true for all insurers I'd pretty much only be covered for accidents ie. breaking my leg or something

Good day!

I understand your situation... Some of my clients are also facing such problems, having diabetes and have nowhere to look for medical coverage for themselves, even though they are fully prepared that their coverage will exclude all pre-existing conditions.

But for diabetic patient, exclusion of pre-existing means cover nothing! Because of most illnesses come along will be related to the diabetic illness, right?

Here, we have an international medical plan (covers world wide, exclude USA) to introduce to you that cover "pre-existing condition"! This product is underwritten by world well-known insurance company.

Having a medical plan covers pre-existing condition, you will have peace of mind compared to other medical plans that cover you, with list of exclusion on your pre-existing condition.

The premium rate is reasonable.

Kindly PM me your name, age, gender and contact details if you are interested.

Thanks!

I guess you may retry. Just need to go for checkup again. u might not know the result turn out to be good..

Any agent know who to contact for this?

As far as I know nothing reasonable
I did find an international one which was more than 1k per month.

Normal medical cards will exclude pretty much everything

I've continued along without having any insurance .

Hi,

How can I help you

so any update? which insurance cover for diabetes T1?

Well I never found any that are worth it, even if there’s too many exclusions. I haven’t bothered with it for quite a while, so am without insurance.