by fatberry.com | Feb 20, 2023 | Health Insurance
RHB Insurance Medical Card
Have you ever dreamed of living a long healthy life with your loved ones? We believe that is what everyone wants, imagine spending wonderful time together and being able to move wherever you want without having a worry about your health care.
This is the sign for you to get that kind of life, a sign for you to get RHB insurance medical card to protect you in your life journey!
What is the RHB Insurance MediSure Supreme Medical Card?
RHB medical card provides trustable and affordable medical bill payments for you and your family. The MediSure Supreme medical card provides hospitalisation and surgical expenses caused by accidents or illnesses covered under the policy.
This medical insurance has several plans that you choose from and you will have the chance to add any other coverage according to your liking. Not forgetting that we offer annual premiums for you so you won’t have to worry about spending too much as it won’t increase your monthly expenditure.
RHB Insurance Medical Card: Coverage
Below is the list of what type of claim you could take and how much you could claim for your medical bills:
||from RM100k up to RM1m
||No limit for Plan 1, Plan 2, & Plan 3 up to RM5,000,000
|Pre-Hospitalisation Diagnostic Tests
||As charged within 60 days before hospitalisation
|Room & Board
||from RM150 up to RM550
up to 200 days, per disability
||As charged within 60 days before hospitalisation
|Second Medical Opinion
||As charged within 60 days before hospitalisation
|Intensive Care Unit (ICU)
||As charged up to 200 days per disability
|Hospital Services and Supplies
|Operating Theatre Fees
|In-Hospital Physician Visits
||As charged up to 200 days and max 2 visits per day
within 60 days after discharge
|Outpatient Kidney Dialysis Treatment
|Outpatient Cancer Treatment
within 90 days from discharge
once per lifetime
|Emergency Accidental Outpatient Treatment
As charged within 24 hours and follow-up treatment up to 60 days
|Cash Allowance at Government Hospital
||from RM50 up to RM150
per day up to 200 days
|Insured Child Guardian Benefit
||from RM90 up to RM200
per day up to 200 days
|Home Nursing Care
||from RM1k up to RM20k
|Medical Report Fee
RHB Insurance Medical Card: Additional Benefits
We are not only covering the essentials, we also have additional benefits for you!
1. You are allowed to make deductible up to RM 100,000
2. You are allowed to make a cancellation refund within 15 days
3. You will be able to enjoy hospital accommodation for up to 200 days
How To Claim RHB Medical Insurance?
Don’t worry about the hassle process of claiming your medical insurance because here at RHB, it is so much easier to claim your medical insurance!
1. Contact RHB at 03-2180 3030 or send an email to email@example.com within 30 days and inform every detail of the incident. It is important for you to tell us every single piece of information as we would like to assist you in the best way possible.
2. Fill up and prepare the following documents for claim submission:
a. Claim form
b. Medical report
c. Original medical bills and receipts
d. Post-mortem report (if applicable)
3. Bring your documents and submit them to your nearest RHB branch or you can submit the documents to your appointed agent.
4. You are done! We will keep you updated on your claim status as soon as possible.
Frequent Ask Questions (FAQ) About RHB Insurance Medical Card
1. Is it okay to change my RHB Insurance medical insurance plan?
Yes definitely! You can contact your appointed agent to change your insurance plan.
2. Does RHB Insurance pay my medical claim on a cashless or reimbursement basis?
Usually, RHB Insurance will pay your medical bills on a cashless basis unless it is under certain circumstances such as type of plans, exclusions under policy terms, or admission to non-panel hospitals, we will pay you on a reimbursement basis.
3. Is it okay if I pay for RHB Insurance medical insurance on an installment basis?
No, RHB medical insurance can only be paid annually.
4. What are the methods of payment available for RHB medical insurance?
You can pay your RHB medical insurance using:
b. Online banking
c. Branch office counter
d. Debit card
e. Credit card
5. Will my RHB medical insurance plan expire if I do not renew it on time?
Your RHB medical insurance plan will expire if you don’t pay it on time.
Fatberry is a comprehensive platform with a wide range of insurance in Malaysia where you can buy your preferred insurance online instantly. You can choose from the available insurance brands and select the plans that suit your needs as well as requirements.
*The content provided is for informational purposes only. Fatberry makes no representations as to the accuracy or completeness of any information on this site or found by following any link on this site. Should you require more information on our products, please refer to fatberry.com or contact us.
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by fatberry.com | Nov 3, 2022 | Advice, Health Insurance, Insurance Renewal
What is Medical Insurance?
Medical Insurance provides for hospitalization and surgical expenses incurred due to accidents or illnesses covered under the policy.
How does renewal work?
The policy is renewable at the option of the Policyholder. If there is no claim incurred in the first year of policy inception, we will not impose any exclusion upon you on the subsequent renewal in the later years. The renewal premiums payable is not guaranteed and it is subject to age banding and portfolio premium revision. If there are claims incurred within the first year of policy inception, you would still qualify for the renewal, subject to exclusions or premium increases.
Who is eligible?
The policy shall cover eligible persons between the age of 30 days to 70 years, renewable up to 100 years. Your policy may cover your spouse and dependent children subject to the following:
i. A legally married spouse aged below 70 years old at the time of first inclusion. Once included, the spouse may continue to be included up to the age of 100 years.
ii. Unmarried children between 30 days and 19 years old. For dependent children who are full-time students of institutions of higher education, the age limit is 23 years old.
What are the cover / benefits?
1) Hospital Room & Board (up to 200 days)
2) Intensive Care Unit (Up to 200 days)
3) Hospital Supplies & Services
4) Operating Theatre
SURGICAL & MEDICAL BENEFITS
1) Pre-Hospital Diagnostics Test (incl Medicines / Drugs)
2) Pre-Hospital Specialist Consultant (incl Medicines / Drugs)
3) Second Surgical Opinion (incl Medicines / Drugs)
4) Surgical Fees
5) Anesthetist’s Fees
6) In-Hospital Physician Visit
7) Post-Hospitalization Treatment
8) Organ Transplant
1) Emergency Accident Out-Patient Treatment
2) Out-Patient Physiotherapy Treatment
3) Annual Out-Patient Kidney Dialysis Treatment
4) Annual Out-Patient Cancer Treatment
1) Protheses / Wheelchair Benefit
2) Home Nursing Care
3) Daily Cash Allowance at Government Hospital
4) Insured Child’s aily Guardian Benefit
5) Ambulance Fees
6) Medical Report Fees
7) Blood & Plasma
8) ID Band & Registration Fees”
Is this a Non-Cashless or Cashless Plan?
This is a Cashless Plan. You will be given a Medical card to facilitate admission to panel hospitals without the need to pay upfront
What is a Deductible Programme?
This option allows you to pay a fraction of the entire annual premium but you need to settle the first RM5,000, RM10,000, RM20,000, RM30,000, RM50,000 or RM100,000 (as per your choice) of eligible expenses on your medical bills. This benefit is especially good if you already have a Hospitalisation and Surgical Insurance policy.
How long is the waiting period?
The eligibility for benefits under the policy will only start 30 days after the Effective Date of the Policy.
In the event of cashless admission, kindly contact Asia Assistance at 03–7628 3777 or 03–7841 5777. In the event of claims, kindly contact RHB Insurance
Importance of Keeping the Official Receipt Claims Procedure
After the premium has been paid, please make sure you have been given an Official Receipt as a proof of payment. You are strongly advised to keep the Official Receipt for any future references.
What are the major exclusions under this policy?
a) Pre-existing illness
b) Specified illness occurring during the first 120 days of continuous cover. (Hypertension, Diabetes mellitus, Cardiovascular disease, Tumours, Cancers, Cysts, Nodules, Polyps, Stones of in the urinary and biliary system, Ear, Nose (including sinuses) and Throat conditions, Hernias, Haemorrhoids, Fistulae, Hydrocele, Varicocele, Endometriosis including disease of the Reproduction system, Vertebro-spinal disorders (including disc) and Knee conditions.)
c) Any medical or physical conditions arising within the first 30 days of the Insured Person’s cover or date of reinstatement whichever is latest except for accidental injuries.
d) Plastic/Cosmetic surgery, circumcision, eye examination, glasses and refraction or surgical correction of nearsightedness (Radial Keratotomy) and the use or acquisition of external prosthetic appliances or devices such as artificial limbs, hearing aids, implanted pacemakers and prescriptions thereof.
e) Dental conditions including dental treatment or oral surgery except as necessitated by Accidental injuries to sound natural teeth occurring wholly during the Period of Insurance
f) Private nursing, rest cures or sanitaria care, illegal drugs, intoxication, sterilization, venereal disease and its sequelae, AIDS (Acquired Immune Deficiency Syndrome) or ARC (AIDS Related Complex) and HIV (Human Immunodeficiency Virus) related diseases except the infection of HIV arose as a result of blood transfusion, and any communicable diseases requiring quarantine by law.
g) Any treatment or surgical operation for congenital abnormalities or deformities including hereditary conditions
h) Pregnancy, childbirth (including surgical delivery), miscarriage, abortion and prenatal or postnatal care and surgical, mechanical or chemical contraceptive methods of birth control or treatment pertaining to infertility. Erectile dysfunction and tests or treatment related to impotence or Sterilization.
i) Hospitalization primarily for investigatory purposes, diagnosis, X-ray examination, general physical or medical examinations, not incidental to treatment or diagnosis of a covered Disability or any treatment which is not Medically Necessary and any preventive treatments, preventive medicines or examinations carried out by a Physician, and treatments specifically for weight reduction or gain.
j) Suicide, attempted suicide or intentionally self-inflicted injury while sane or insane.
k) War or any act of war, declared or undeclared, criminal or terrorist activities, active duty in any armed forces, direct participation in strikes, riots and civil commotion or insurrection.
l) Ionising radiation or contamination by radioactivity from any nuclear fuel or nuclear waste from the process of nuclear fission or from any nuclear weapons material
m) Expenses incurred for the donation of any body organ by an Insured Person and costs of acquisition of the organ including all costs incurred by the donor during organ transplant and its complications.
n) Investigation and treatment of sleep and snoring disorders, hormone replacement therapy and alternative therapy such as treatment, medical service or supplies, including but not limited to chiropractic services, acupuncture, acupressure, reflexology, bone setting, herbalist treatment, massage or aromatherapy or other alternative treatment.
o) Care or treatment for which payment is not required or to the extent which is payable by any other insurance or indemnity covering the Insured and Disabilities arising out of duties of employment or profession that is covered under a Workman’s Compensation Insurance Contract.
p) Psychotic, mental, or nervous disorders, (including any neuroses and their physiological or psychosomatic manifestations)
q) Cost/expenses of services of a non-medical nature, such as television, telephones, telex services, radios or similar facilities, admission kit/pack and other ineligible non-medical items.
r) Sickness or Injuring arising from racing of any kind (except foot racing), hazardous sports such as but not limited to skydiving, water skiing, underwater activities requiring breathing apparatus, winter sports, professional sports and illegal activities.
s) Private flying other than as a fare-paying passenger in any commercial scheduled airlines licensed to carry passengers over established routes.
t) Expenses incurred for sex changes
Note: This is non-exhaustive. Please refer to policy documents for full details
Can I cancel my policy?
You may cancel your policy by giving a written notice to the insurance company. Upon cancellation, you are entitled to a partial refund of the premium provided that you have not made a claim on the policy.
|Period not Exceeding
||Refund of Annual Premium
|15 days (applicable to renewal only)
|Period exceeding 11 months
What do I need to do if there are changes to my contact details?
It is important that you inform us of any changes in your contact details to ensure all correspondence reaches you in a timely manner. You can reach us at firstname.lastname@example.org or +6011 2612 8112