If I travel, is my health insurance sufficient or should I get a travel insurance?  

  RSS

(@adam_mikail)
New Member
Joined:11 months  ago
Posts: 2
26/07/2017 6:52 pm  

 I travel a lot. But I'm always wondering if I really need travel insurance when I already have health insurance. Can someone enlighten me? 


ReplyQuote
(@yasmin)
New Member
Joined:11 months  ago
Posts: 2
26/07/2017 6:59 pm  

Hi Adam

From my experience, you still need travel insurance. 

Travel insurance is very good especially when you have unwanted expenses that are non-illnesses related. What I mean by this is if your flight has been delayed or if your luggage went missing or even if you lose your passport and IC while you're traveling, travel insurance will help you cover all that. 

Your health insurance won't have these types of benefits. Hope this helps. 🙂

 

 

 


ReplyQuote
(@daniel-lee)
Active Member Agent
Joined:11 months  ago
Posts: 11
02/08/2017 4:58 pm  

Hi,

If you always travel, it will be advisable to buy travel insurance only yearly basis or if you can afford it, get an international medical card. With you existing medical card, you need to pay cash when you are admitted to hospital overseas and you claim it back when you are back in Malaysia. Secondly, insurance only pay the amount that Malaysian hospital charge, not overseas rate.

I am an independent financial adviser that isn't tied to a single insurance companies. Perhaps I can advise you better without any bias. Kindly feel free to contact me at 018 2610 688


Adam_Mikail liked
ReplyQuote
(@myeliteagency)
Trusted Member Agent
Joined:11 months  ago
Posts: 54
02/08/2017 9:29 pm  
Posted by: Adam_Mikail

 I travel a lot. But I'm always wondering if I really need travel insurance when I already have health insurance. Can someone enlighten me? 

Hi Adam, 

99% of health insurance, I assumed you refer to medical policy, covers well. Forgot since which year (maybe 2003?), all Malaysia medical policy not cover if you stay overseas for consecutively more than 90days. 

If your travel are short term, no problem for you. However, if your travel will be more than 90days consecutively per trip, its adviseable you get an international medical Plan.

Travel policy served other purpose, like Accident Death/TPD, loss of baggage, loss of cash/ credit card, outpatient sickness treatment,...etc. Some extend to cover your home contents while you were traveling. 

Are your most concern is medical fees? Or any other things like loss of baggage, credit card, outpatient sickness treatment,  child care education... etc. 

It depends on your need and concerns. Hope I have given you some beneficial information. 

Drop me an email if you would like to have more information. 

Thank you! 

Adeline

Edited: 9 months  ago

ReplyQuote
(@adam_mikail)
New Member
Joined:11 months  ago
Posts: 2
03/08/2017 6:43 pm  

Hi Adeline,

And how do I get a hold of an international medical plan that allows me to use my medical card in any hospitals around the world? Because in one year I sometimes travel more than 90 days at a time.   

I guess I'm concerned about losing track of my policies and at the end of the day if I squeeze in an activity like hiking and get injured, will I be covered by my existing health insurance?

 


ReplyQuote
(@intan_s)
Active Member
Joined:11 months  ago
Posts: 5
04/08/2017 12:17 am  
Posted by: DANIEL LEE

Hi,

If you always travel, it will be advisable to buy travel insurance only yearly basis or if you can afford it, get an international medical card. With you existing medical card, you need to pay cash when you are admitted to hospital overseas and you claim it back when you are back in Malaysia. Secondly, insurance only pay the amount that Malaysian hospital charge, not overseas rate.

You mean my medical card can actually cover the medical cost that i incur overseas?? I didn't know that!


ReplyQuote
 NaNi
(@nani)
New Member
Joined:10 months  ago
Posts: 1
09/08/2017 9:54 pm  
Posted by: DANIEL LEE

Hi,

If you always travel, it will be advisable to buy travel insurance only yearly basis or if you can afford it, get an international medical card. With you existing medical card, you need to pay cash when you are admitted to hospital overseas and you claim it back when you are back in Malaysia. Secondly, insurance only pay the amount that Malaysian hospital charge, not overseas rate.

I am an independent financial adviser that isn't tied to a single insurance companies. Perhaps I can advise you better without any bias. Kindly feel free to contact me at 018 2610 688

Is this true? Then why we always see in papers people traveling overseas and end up with lots of medical bill because they fell sick? 

I always thought local medical insurance only covers treatment in Malaysia? Can someone please confirm?

Rusa NaNi :D


ReplyQuote
(@sze00)
Active Member
Joined:11 months  ago
Posts: 13
17/08/2017 10:49 pm  

Bump. want to know also.

Coffee is life.


ReplyQuote
 May
(@may)
Active Member
Joined:10 months  ago
Posts: 8
27/08/2017 9:31 pm  
Posted by: NaNi
Posted by: DANIEL LEE

Hi,

If you always travel, it will be advisable to buy travel insurance only yearly basis or if you can afford it, get an international medical card. With you existing medical card, you need to pay cash when you are admitted to hospital overseas and you claim it back when you are back in Malaysia. Secondly, insurance only pay the amount that Malaysian hospital charge, not overseas rate.

I am an independent financial adviser that isn't tied to a single insurance companies. Perhaps I can advise you better without any bias. Kindly feel free to contact me at 018 2610 688

Is this true? Then why we always see in papers people traveling overseas and end up with lots of medical bill because they fell sick? 

I always thought local medical insurance only covers treatment in Malaysia? Can someone please confirm?

Curious also.


ReplyQuote
(@myeliteagency)
Trusted Member Agent
Joined:11 months  ago
Posts: 54
15/09/2017 11:25 pm  
Posted by: Adam_Mikail

Hi Adeline,

And how do I get a hold of an international medical plan that allows me to use my medical card in any hospitals around the world? Because in one year I sometimes travel more than 90 days at a time.   

I guess I'm concerned about losing track of my policies and at the end of the day if I squeeze in an activity like hiking and get injured, will I be covered by my existing health insurance?

 

Hi Adam, 

Sorry for late reply. 

International medical card will not be cheap in premium. You have to let me know the country you stay most of days in a years time so I can let you know how much premium. And it's cashless around other country, see if you need which country, Asia only or worldwide? 

Do read your current medical policy if they specifically exclude the activities you mentioned. Generally, it's covered for leisure and exclude for professional. 

Do drop me an email at myeliteagency@gmail.com for fast respond. 

Adeline


ReplyQuote
(@myeliteagency)
Trusted Member Agent
Joined:11 months  ago
Posts: 54
15/09/2017 11:30 pm  
Posted by: May
Posted by: NaNi
Posted by: DANIEL LEE

Hi,

If you always travel, it will be advisable to buy travel insurance only yearly basis or if you can afford it, get an international medical card. With you existing medical card, you need to pay cash when you are admitted to hospital overseas and you claim it back when you are back in Malaysia. Secondly, insurance only pay the amount that Malaysian hospital charge, not overseas rate.

I am an independent financial adviser that isn't tied to a single insurance companies. Perhaps I can advise you better without any bias. Kindly feel free to contact me at 018 2610 688

Is this true? Then why we always see in papers people traveling overseas and end up with lots of medical bill because they fell sick? 

I always thought local medical insurance only covers treatment in Malaysia? Can someone please confirm?

Curious also.

Overseas might cost higher due to their professional fees or after converted to MYR.

Local medical card will pay for overseas treatment usually subject to travel less than 90days and ONLY inpatient for illness;  NOT outpatient for illness.  It does cover both outpatient and inpatient for accident cases, and subject to MMA guideline charges.  Make sure that you have all original receipts, itemised billing, discharge note and medical report to come back and claim on reimbursement basis.

Some insurer actually charge extra premium for overseas treatment. 

Travel insurance medical portion usually not subject to Malaysia Medical Associate Guideline for the treatment and it does for outpatient illness claim.

Drop me email myeliteagency@gmail.com for fast responds. 

Adeline

Edited: 9 months  ago

ReplyQuote
(@muhammadyazed)
Trusted Member Agent
Joined:11 months  ago
Posts: 90
09/05/2018 8:35 pm  

How about Medisavers ?

Muhammad
VMC Membership Takaful Advisor
http://muhammadtakaful.wasap.my/


ReplyQuote
Share:
  
Working

Please Login or Register