Health insurance, also referred to as medical insurance, is a form of coverage designed to offer financial support and aid in paying for qualified medical expenses.
Medical insurance serves as a financial safety net, alleviating the burden of escalating medical costs and granting access to an extensive network of healthcare providers. It offers peace of mind, enabling individuals to prioritize their health and well-being without the persistent concern of financial strain during unexpected medical situations.
Allianz Malaysia's array of medical insurance plans is meticulously crafted to offer comprehensive coverage across all age groups. For instance, the HealthInsured plan delivers proactive medical safeguarding, beginning from as early as the prenatal stage (13 to 36 weeks into pregnancy), ensuring guaranteed renewable coverage until the age of 100.
Our medical coverage and supplementary services are meticulously tailored to cater to the needs of all eligible individuals, including senior citizens residing in Malaysia.
By opting for the Allianz medical card, selecting a preferred hospital appointed as a panel under Allianz Malaysia grants you priority for hospital admission. Additionally, all eligible hospital bills are settled automatically upon discharge, subject to specific terms and conditions. Explore our Allianz Locator to access our extensive list of panel hospitals and clinics across every state in Malaysia.
Medical insurance primarily emphasizes comprehensive medical and health protection but typically does not include coverage for Total and Permanent Disability (TPD). For options regarding TPD coverage, we encourage you to explore our life insurance page.
For specific details on when coverage begins after signing up for an Allianz Malaysia medical plan, please refer to the respective product disclosure sheets or brochures. An essential tip to consider is to look for the 'Waiting Period' outlined in the insurance plan, if applicable, as it relates to the effective date of coverage. This waiting period stipulates the duration between enrollment and when certain benefits become accessible.
Certain medical insurance plans offered by Allianz Malaysia include coverage for accidents, encompassing accidental events and injuries within their designated scope of coverage.
Allianz medical insurance plans, such as the MediAdvantage, serve as overseas medical plan add-ons that complement existing hospitalization and surgical coverage. They offer the flexibility to seek overseas medical treatment that might otherwise be financially burdensome.
Canceling personal medical insurance within a specific period is feasible, but it entails forfeiting medical protection when needed. We recommend consulting with one of our agents beforehand to explore alternative options.