All insurance companies and takaful operators under the Life Insurance Association of Malaysia (LIAM) and Malaysian Takaful Association (MTA) have confirmed that they will provide hospitalisation and treatment coverage for COVID-19 – but your policy may differ in terms of specific benefits, terms and conditions.

Here are the list of LIAM insurance and takaful operators providing COVID-19 coverage:

AIA Bhd
Allianz Life Insurance Malaysia Berhad
AmMetLife Insurance Berhad
AXA AFFIN Life Insurance Berhad
Etiqa Life Insurance Berhad
Gibraltar BSN Life Berhad
Great Eastern Life Assurance (Malaysia) Berhad
Hannover Rueck SE, Malaysian Branch
Hong Leong Assurance Berhad
Malaysian Life Reinsurance Group Berhad
Manulife Insurance Berhad
MCIS Insurance Berhad
Prudential Assurance Malaysia Berhad
Sun Life Malaysia Assurance Berhad
Tokio Marine Life Insurance Malaysia Bhd.
Zurich Life Insurance Malaysia Berhad

Benefits such as: (Depends on the company)
- Hospitalisation benefit of RM200 per day up to 30 days
- Death benefit
- Hospitalisation cash relief
- One time payoff upon diagnosis

All insurance companies and takaful operators under the Life Insurance Association of Malaysia (LIAM) and Malaysian Takaful Association (MTA) have confirmed that they will provide hospitalisation and treatment coverage for COVID-19 – but your policy may differ in terms of specific benefits, terms and conditions.

Here are the list of LIAM insurance and takaful operators providing COVID-19 coverage:

AIA Bhd
Allianz Life Insurance Malaysia Berhad
AmMetLife Insurance Berhad
AXA AFFIN Life Insurance Berhad
Etiqa Life Insurance Berhad
Gibraltar BSN Life Berhad
Great Eastern Life Assurance (Malaysia) Berhad
Hannover Rueck SE, Malaysian Branch
Hong Leong Assurance Berhad
Malaysian Life Reinsurance Group Berhad
Manulife Insurance Berhad
MCIS Insurance Berhad
Prudential Assurance Malaysia Berhad
Sun Life Malaysia Assurance Berhad
Tokio Marine Life Insurance Malaysia Bhd.
Zurich Life Insurance Malaysia Berhad

Benefits such as: (Depends on the company)
- Hospitalisation benefit of RM200 per day up to 30 days
- Death benefit
- Hospitalisation cash relief
- One time payoff upon diagnosis

Hi, my mother medical card recently price hike from rm248 to rm404 . Age 61.  Coverage 100k and room and board rm150. Any advise to cancel and find a new policy? The price hike seems too much while the coverage unchanged.
Policy bought year 2016. Never claim before and no long term illness etc.

anyone buying life insurance via online without through agent?

got this from FAQs
FREQUENTLY ASK QUESTIONS (FAQ) PERLINDUNGAN TENANG VOUCHER (PTV)
Page 3 of 6. English Version 2.0 27092021

9. I am a BPR recipient who is eligible under Perlindungan Tenang Voucher Programme but my age is above 65 years old.
Am I eligible to purchase the Perlindungan Tenang products offered by Insurance companies and Takaful Operators?
• Eligible BPR recipients are still subject to underwriting criteria imposed by respective insurers and takaful operators such as age limits which would depend on respective life policies or
family takaful. Generally, there is however no maximum age limit for certain policies/certificates such as fire policies/certificates to protect building and/or household contents.
Please visit the https://www.mycoverage.my/perlindungan_tenang website for more details

https://www.allianz.com.my/content/dam/onem...anTenangFAQ.pdf

Hospitalization benefit and Critical Illness benefit  are both different benefits

They don't mix together but they do complement one another.

A medical card is primarily designed to provide coverage for medical expenses incurred due to illnesses or accidents. It typically covers hospitalization, surgical procedures, diagnostic tests, medications, and other healthcare services as outlined in the policy. While a medical card can be helpful in covering expenses related to critical illnesses, it's important to understand that the extent of coverage may vary depending on the specific terms and conditions of the insurance policy.

In the case of critical illnesses, which typically involve serious and life-threatening conditions, a medical card may not provide comprehensive coverage on its own. Critical illness insurance, also known as critical illness cover or critical illness benefit, is a type of insurance that specifically focuses on providing a lump sum payout upon the diagnosis of specified critical illnesses listed in the policy. This payout can help cover various expenses beyond medical costs, such as loss of income, lifestyle adjustments, and additional support during the recovery period.

While a medical card may cover some aspects of treatment and hospitalization for critical illnesses, critical illness insurance offers additional financial support to policyholders. It is intended to provide a lump sum payment that can be used at the policyholder's discretion, whether it is for medical treatment, alternative therapies, travel expenses for seeking specialized care, or any other financial needs arising from the critical illness.

Therefore, it is generally recommended to have a comprehensive insurance plan that includes both medical coverage and critical illness coverage to ensure adequate protection in the event of a critical illness diagnosis. It's important to carefully review the terms and conditions of your insurance policies and consult with insurance providers or professionals to fully understand the extent of coverage provided by each policy and to determine the best combination of coverage for your specific needs.

Under the SOCSO scheme in Malaysia, there are provisions for coverage and benefits related to critical illnesses. However, it's important to note that the coverage and benefits provided by SOCSO may differ from those offered by private medical insurance or medical cards.

SOCSO provides a scheme called Employment Injury Insurance Scheme (EIS), which covers work-related injuries, occupational diseases, and disabilities. This scheme does not specifically cover critical illnesses such as cancer, heart disease, or stroke unless they are directly related to a work-related injury or occupational disease.

If an individual is diagnosed with a critical illness, it is generally not covered by SOCSO unless the illness is a result of an employment-related injury or disease. In such cases, the individual may be eligible for benefits under the EIS, subject to the terms and conditions of the scheme.

For coverage specifically for critical illnesses, it is advisable to have a separate private medical insurance policy or critical illness insurance plan. These policies are designed to provide financial protection and benefits for a range of critical illnesses, including early and advanced stages.

Why not get your policy reviewed?

Just asking, did all of them deduct the same NCD %?

Same %?

If yes, then puzzling as it should be very competitive.

Maybe hv extra coverage like
Add-ons: Optional add-ons like windscreen coverage, roadside assistance, or personal accident cover can increase your premium?