Hello all,

I'm exploring medical insurance to cover COVID19 hospitalisation Stage 3,4,5.

Regretfully I only have yearly renewable stand alone plan from AXA Affin, and they do not cover.

Current Insurance:
AXA Smart Optimum, annual limit RM500k with RM20K deductible ( since my job covers up to RM50K).

I am considering etiqa to cover the risk, and willing to cover/ take on the RM5k deductible.
This will bring the cost to just under RM650 for 1 year ( well, 11 mths la) with coverage up to RM150K except first 5k is bearable.


Can I seek advice from all you otais if this is good idea?
I still wanna keep my AXA Affin cos it's quite value for money ( pay about RM800+ for one year)....but willing to consider taking on others.

I have been searching online for stand alone but all the agents keep pitching me ILP which I dowan.

(yes I am aware my stand alone plan will increase in price as I grow older, I am pretty ok in saving money and willing to pay later as consider even ILP plan have to top up one )


Other than the above I have critical illness plan ILP already for big stuff.

Now my only worry is getting COVID19 and how to pay for it



Thank you all in advance

For now, all I can see is etiqa stand alone for RM150K ( for RM650 a year).

I would be willing to pay more if there was a medical stand alone for COVID19 at RM250K /300K incase of ICU hospiitalisation


What risk I am trying to counter: In case hospital GH is full and I need to go private

The Headline and the body story of this article does not match, quite confusing.

Header says COVID19 patients but the rep Dr Kuljit was explaining that NON COVID patients would not bear the private hospitalcharges