Covered the hospitalizations cost if admitted for covid19 cases?

Yes

also if death (touchwood)?

Yes

Thanks
Any idea "must" be from what stage of covid19 then can qualify for claims of hospitalisation?
Btw, just to confirm,... It is hospitalizations cost not just some amount of beneficial monetary compensation or support like RM10k

As long as it's deemed Medically Necessary.


Up to your plan's benefit.

thanks again
wow, good news (for those holding those plans, with unlimited claim amount) then Stage 1 & 2 can seek to stay at private hospital instead of self paying quarantine hotel

Stage 3 and onwards.

It is on a pay and claim basis.

As long there is no medical procedures, quarantine itself may not be entitled to a claim.

i think if when 1 "hospitalised"...then there will be procedures...like
like daily check up, consultation and some medication...

That is not medical procedures per say which can be done at the out patient clinic including simple blood test

If is that easy, many would have admitted for minor diarrhea or headache.

This post has been edited by mini orchard: Aug 6 2021, 01:21 PM

If diarrhea or headache, prolonged incidences cannot be admitted?
Covid19 stage 1 or 2 is "minor", cannot lead to complication to other stages?

Can.

Admit at own risk. Is either claimable or reject.

stop making your own theories.

It's clearly stated that it must be medically necessary.

Unless you have bought a policy recently during promotion where you get to claim, including home quarantine.

No theories.

We are just layman having a general discussion. Nothing about life and death.

AT the point of admission, when a GL is required, will be notify if the admission is permissible or its pay and claim.

Yes of course a diarrhea or headache can be symptoms of more severe underlying illnesses.
And Covid-19 stage 1 and 2 is considered "minor" and it is also possible that if left untreated, can lead to more severe stages.

For a diarrhea and headache, we can take the steps of a Dengue infection.
First, we go to the clinic because we're showing symptoms such as (for diarrhea) exhaustion, dehydration, on top of frequent trips to the toilet; (for dengue) fever, exhaustion, pains and aches.
Then, the GP may confirm on the condition and in turn refer us to the hospital.
That's when we go to the hospital and be admitted based on the GP referral letter, and a further diagnosis by the specialist.

For Covid-19, as of now, the hospitals are filled with patients (stages 3 and up) across the spectrum of the variants.
As opposed to exposing you to the other, more severe patients (more aggressive Covid-19 variants), it is actually in your best interest to either quarantine yourself either at home or at a hotel... health-wise.

I believe rn, we have a choice to quarantine between
1. quarantine centers (i think it's free) is at the lowest tier of comfort
2. Hotel rooms
3. Your own home (highest tier of comfort).

Why do I say your own homes is at the highest tier of comfort?
- you are with your loved ones.
- in the worst case scenario, you are surrounded by your loved ones.
- someone who loves and cares for you is right there, all the time.

Can we all agree that this is the worst time to be sick and/or die?
Proper funerals cannot be held, we will be physically isolated from everyone we know and love..
Whatever rituals you may or may not have in mind will be thrown out the window, replaced by the SOP for death, handled by people who probably do not agree with the SOPs and are exhausted from handling "just another body".

A simple explaination for a layman to understand instead of shooting insurance terminology.

I always believed a good agent should go down to level of a layman in explaning things instead of expecting the layman to understand terminology.

Prudential Malaysia & PruBSN finally covers all covid treatment start from todays onwards , applicable to all medical cards

Official Annoucement :
https://www.prudential.com.my/en/our-compan...an-coverage-en/
https://www.prubsn.com.my/en/campaigns-anno...-plan-coverage/

Some Highlight :
1. only can claim when doctor say immediate treatment / hospitalisation is needed
2. does not require any letter from KKM / government hospital anymore
3. can just walk in & subject to private hospital capacity
4. claim thru reimbursement / cashless according to your respective medical card limit

This post has been edited by ping325: Aug 7 2021, 09:38 AM