




Malaysia Medical Insurance Organization (MMI) - Your Trusted and Experience Malaysia Largest Medical and Health Insurance Advisory Organization
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Make the Right choices
Making the right choices in life could save you money and heartache. Understanding whether you have made the right choice in the purchase of medical insurance is admittedly not an easy feat as the subject can be so technical that it is hard to grasp, even if the right questions are asked.
Malaysia Medical Insurance Organization (MMI) has recommended that consumers consider the following areas in relation to decision making and choices in purchasing medical and health insurance products and services.
(1) Select a Good Insurer (Insurance Company)
Three primary criteria should be considered when choosing an insurance company:
1. Financial strength;
2. Fairness and promptness in processing claims;
3. Ability and willingness to provide service before and after a loss.
An insurance policy is a promise. Like all promises, it is worth no more than the word and the financial strength of the person or company making it. Therefore, the first priority in choosing an insurance company is to be sure the company is strong financially. You may be able to gauge the standing of a specific company from information gathered from insurance agents or advice of your insurance broker or experiences of other policyholders i.e. satisfied customers. An insurance company should also be willing to listen to your insurance requirements and if necessary "tailor" insurance covers to meet your needs.
The consumer should determine the company's reputation for fairness and promptness in settling claims and its reputation for providing service.
(2) Selecting A Good Medical Insurance Advisors
The first criteria when selecting a good insurance advisors is that he or she must be registered with LIAM or PIAM before dealing or engaging in any medical insurance business.
Besides being easily accessible, other pre-requisites of a good insurance advisors include possessing :
- a good knowledge of the products and services offered by his principal ie the
insurance company that he represents. - strong ethics and the ability to put a client's interest first;
- good communication skills so that the insured understands the needs the insurance fulfills, and the rights and duties created by the contract. Evidence of an advisor's knowledge is found in the ability to answer questions clearly and if an answer is not readily available, he knows where to get the answer. Some advisors show their desire to add to their knowledge by attending seminars organised by Malaysia Medical Insurance Organization (MMI).
It is admittedly difficult for a consumer to form an opinion about an advisor's trustworthiness. Knowledge of the advisors' reputation, or referral by a satisfied customer is about the only ways available to develop this information. The same reasoning applies to the advisor's desire and ability to provide service after the sale.
When in doubt, there is no harm in contacting and making some enquiries at MMI head office.
(3) Select A Good Medical Insurance Policy
Whether the medical insurance policy is deemed good or bad, depends on the consumer understanding of his need for that particular insurance.
A "good" medical insurance policy should be one that meets the consumer's needs without providing more insurance than is required.
(4) Pay Right Price
Useful hints for consumer will enable them to pay the right price, but few absolute rates exist. The "right price" is the one providing the consumer with the greatest amount of insurance after giving consideration to the other four criteria just described.
That is, the right price for medical insurance is not necessarily the lowest price. The lowest price may come from a company whose financial strength is questionable. It may come from an Insurer whose advisors are not trained adequately or from a company whose policies do not offer coverage as valuable as that offered by other companies. For these and other reasons, the consumers should first consider all the other criteria mentioned and then decide on the right price for insurance protection and, indirectly, peace of mind.
Please send your questions on medical insurance to MMI careline +603-92863323 or email to mmicare@medicalinsurance.com.my.
Medical Insurance and Life Protection Insurance Planning and Risk Management Advisory
With Medical and Life protection insurance planning, the first question is always, "How much is enough?" Whether you need medical and life insurance at all and, if you do, the best amount of medical and life insurance coverage needed depends on your particular circumstances.
Our MMI senior advisors will help you figure out how much additional medical and life insurance coverage you need, if any. If you discover you need additional medical and life insurance coverage and you are still relatively young, term life insurance is generally the least expensive way to go because it provides "pure coverage"; you build no cash value in the policy. (Note that the cost of term insurance goes up as you grow older.) Term insurance provides protection for a specific number of years, with the death benefit paid to your beneficiaries if you die during the policy's term. When the term ends, so does your coverage, unless you renew the policy.
On the other hand, whole life policies and investment-linked life insurance provide protection over your entire life. For younger people, whole life insurance is more expensive than term. But the premiums generally are fixed, so as the years go by, it can become less expensive. Cash values and interest accumulate in these policies are tax-deferred, and you can borrow from the cash value.
Disability Protection and Personal Accident Insurance
Like life insurance planning, disability insurance planning is based on your particular needs, circumstances, and resources. In addition, you may want to include long-term care insurance in your financial plan to help preserve your assets for your family in the event you suffer a prolonged illness. Don't forget about personal accident (PA) insurance too.
Health Insurance and Medical Card
Also consider healthcare provisions for medical treatment. A medical card can help protect you against the costly medical expenses and ensures comprehensive coverage in medical, surgical and hospital costs, ambulance fees and other related medical charges.Protect your business and employees from sickness, injury and loss of income?
Having unprotected health and insecure future is frightening, however it is possible to protect your health and future income with a good medical and health insurance policy in Malaysia.
Getting a suitable medical insurance policy is not an easy task as it requires knowing the various medical insurance coverage and medical insurance policies available. Picking up an unsuitable medical insurance policy arranged by inexperience insurance agents can be very expensive and leave you uncomfortable. That is why selecting a good insurance agent is SO IMPORTANT.
Where Are The Trusted and Experiences Medical Insurance Senior Advisor?
These solid years of experience has earned MMI a reputation of " THE LARGEST MALAYSIA MEDICAL AND HEALTH INSURANCE ADVISORY ORGANISATION".
MMI have many successful medical and health insurance schemes with proven track record and in the process of arrange many more new medical and health insurance products.
The Quick And Easy Way To Find An Trusted and Experienced And Responsible Medical Insurance senior advisor In Malaysia. Only at Malaysia Medical Insurance Organization (MMI).............
Information To Find Your Ideal Medical and Health Insurance senior advisor:
1) Expectation Of The Customer (You and Your Family)
To quickly find the most suitable medical and health insurance policy that is suitable and affordable based on your age, needs expectation, income and health profile? Every customer has different expectations and MMI senior advisor will recommend the most suitable medical and health insurance policy that can meet or even exceed your expectations.
2) Medical Insurance Upgrade Or Purchase
Do not have a medical insurance policy yet? You can contact MMI Head Office at no cost to you. Or even upgrade your current medical and health insurance policy to add more coverage for better peace of mind.
After the insurance policy, you and your family will enjoy life and have a peace of mind and stop worrying about "what if illness or bad accidents happen…”. Live life to the full! Yes, you can buy peace of mind...!
MMI believe in a long term relationship with our customers. Every customer matters and we continue to guarantee your satisfaction after every confirmed sale.

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For further details on the product, please call MMI Careline +603-92863323, email us mmicare@medicalinsurance.com.my.
JALAN JEJAKA, TAMAN MALURI,CHERAS,
