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 Health Insurance / Medical Card for T1 Diabetic?

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TSrjb123
post Mar 26 2012, 04:03 PM, updated 8y ago

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From: Kuala Lumpur


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

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 smile.gif


TSrjb123
post Mar 27 2012, 12:19 PM

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QUOTE(Tham @ Mar 27 2012, 02:20 AM)
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.
*
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 blink.gif
TSrjb123
post Dec 31 2015, 10:53 AM

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From: Kuala Lumpur


QUOTE(jorgsacul @ Dec 31 2015, 09:56 AM)
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 .
TSrjb123
post Aug 19 2018, 01:49 PM

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QUOTE(audia3 @ Aug 19 2018, 08:13 AM)
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.

 

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