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MMI - Malaysia Medical Insurance, Health insurance, Accident Insurance, Disablement Insurance and Dread Disease solution provider for Individual and Group

 
Malaysia Medical Insurance, Health Insurance, Accident Insurance, Dread Disease and all others related Medical Care insurance coverage Solution Provider
Arranged by Malaysia Medical Insurance Organization (MMI)
Type of Medical and Health Insurance provided by Malaysia Insurance Company
 
Medical Insurance, Health Insurance, Medical Care Insurance, Medical Card Admission Benefits insurance, Hospitalization Insurance, Surgical and Anesthetist fees Insurance coverage, Specialist and Physician expenses Insurance coverage, Accident Insurance, Traveling Medical Coverage Insurance, Traveling Accidental Coverage Insurance, Disablement Insurance or Dread Disease Insurance as it is commonly known, is the most basic form of protection. It prevents you and your family from having to pay for expensive hospital procedures should an accident, illness or disability occur in Malaysia or oversea when you and  traveling.
  
Malaysia Medical Insurance Coverage Plan
 

About Malaysia Medical Insurance Organization (MMI Organization)

At MMI, we understand that your health is the most valuable asset you possess. As a result, MMI are happy to provide useful free information to all residing in or considering relocation to Malaysia who feel they may want to purchase private health insurance coverage for themselves, their family or group (business insurance).

As Malaysia Medical Insurance Organization (MMI) is not an insurance company and not affiliated with any provider companies, we have the freedom to offer objective advice and assistance with your interests in mind. In addition, because MMI offer live MMI adviser consultations, we will take the time to discuss your needs and then provide you with the information you require to make your own choice about the care you decide to purchase.

If you think you can benefit from the free services we provide, please browse our website for an in-depth look at current healthcare and medical insurance conditions in Malaysia as well as background information on numerous companies that offer medical insurance coverage in Malaysia. 
 

Malaysia Global Health Insurance

Because the world business climate is extremely dynamic and people are constantly on the move, many insurance providers offer the option for coverage to be transferred, should the need arise.

Furthermore, some plans offer worldwide coverage which provides access to quality healthcare around the globe, so that the insured is covered anywhere they go, both for business and leisure.
 

Malaysia Medical Insurance Organization (MMI) Service

At Malaysia Medical Insurance Organization (MMI), our first and foremost interest is in providing fast, easy to understand information about the options available to anyone who is considering their need for medical insurance coverage.

Since MMI acquire our information directly from the insurance providers and our data is continuously updated, we are able to offer very detailed explanations about the coverage they provide. Additionally, MMI staff can help you compare coverage between multiple providers, thus making it easier to decide for yourself which is best for your needs.
 

Malaysia Medical Insurance Organization (MMI) Privacy Promise

Malaysia Medical Insurance Organization (MMI) is never going to sell or give away your contact information to any other agency or company and you will not be contacted by other entities seeking to sell or advertise to you as a result of accessing our informational resources. MMI will only use your email address to contact you directly but, if you prefer to remain completely anonymous, you can call MMI careline +603-92863323 instead.

Malaysia Medical Insurance Coverage Summary

The purpose of privately purchased medical insurance plans in Malaysia is to offer the insured individual, family, or group peace of mind by providing assistance in accessing and affording needed medical treatments in the case of physical injury or covered illness.

Long-term plans are available in many coverage levels and for just about all budgets to meet the needs of any individual, family,or group/business.

For shorter-term visitors, coverage is also available from numerous insurers to protect their health and interests.

In addition, frequent international travelers have the option of worldwide coverage through the many global coverage plans that are available, providing equivalent high-quality coverage anywhere the insured desires to travel.

Contact Malaysia Medical Insurance Organization (MMI Organization)

Understanding all of the ins and outs of medical insurance coverage and the many claim types featured by the health insurance providers in Malaysia can be difficult. Malaysia Medical Insurance Organization (MMI) can help you by giving you access to our vast database of healthcare and medical insurance information. To speak with an adviser right away, or complete the information request at the top of this page and adviser will contact you soon.

 
Health Insurance Coverage Plan
 
Malaysia Health Insurance Plans

While health insurance is offered by dozens of coverage providers in Malaysia, all of them have one thing in common; the coverage they provide is intended to help the insured in the case of illness or injury to receive needed medical attention by offering financial assistance to offset the cost of care. Beyond this point, the types and levels of coverage provided can vary greatly.

Malaysia Health Insurance Levels of Coverage Available

Almost every company will have varying levels of coverage offered depending on the plan selected, in general all coverage starts with selecting between one of two types of protection. To learn more, read as below:

Malaysia Emergency Evacuation Health Insurance

Given the fact that some aspects of Malaysia's healthcare system are still developing, it is easy to see why many insurance providers offer Emergency Evacuation and Repatriation Insurance as an option for their insured.

Due to the remoteness of some areas of Malaysia, the popularity of adventure sports and so much rugged coastline and lush inland jungles to explore, many have decided that Emergency Evacuation Insurance is a good investment in case of the unexpected.
 
 

Malaysia Emergency Evacuation Insurance Coverage

This type of coverage will ensure that if an insured is not able to receive adequate medical treatment from a healthcare facility near them at the time of injury or accident, there will be an air ambulance quickly available to transport the ill or injured to a location of medical excellence either inside or outside of Malaysia where necessary treatments can be administered to ensure or restore their good health.

Transport may be accomplished via airplane, helicopter or boat and the cost and sometimes frustrating difficulty of personally arranging transit in an emergency situation should not be underestimated.

Emergency transport in some cases can run into the hundreds of thousands of RM riggit Malaysia, and unfortunately some have been denied transport without prior assurance of funds.

It is important to note that emergency evacuation is not elective by the insured or their family or companions, but the decision to transport the sick or injured insured will usually need to be made by a medical professional or other trained individual. 
 
After you have decided the level of care you need, you will next have to decide which type of plan best meets your personal situation and requirements. Most coverage plans fall into one of the following four categories.
 
Emergency Accidental Out-Patient Treatment Insurance Coverage
 
 
 
 
Medical Card Cashless Hospital Admission Insurance Plan

Malaysia Individual Health Insurance Plans

Individual medical insurance coverage plans are intended to provide one person with an insurance policy to provide access to quality healthcare when it is needed. Typically, individual health insurance plans in Malaysia are very customizable as everyone's needs are different and several levels of care are available.Individual Malaysia Health Insurance Plans

In Malaysia, there are two primary forms of individual health insurance coverage: individual emergency health insurance and comprehensive health insurance.

The benefits offered by these two types of plans differ greatly and it is up to you to determine which form of protection will suit your specific needs. Furthermore, all private insurance providers have specific coverage requirements and restrictions particular to their own brands of coverage. It is therefore critical to thoroughly research the numerous options available prior to purchase.

An individual emergency-only health insurance plan (often referred to as in-patient coverage) is the base level of coverage available to a single insured. As the name would indicate, this coverage is not all-encompassing, but instead provides coverage in case of accident or an unexpected illness.

As this type of plan is typically the bare minimum in health insurance coverage, benefits are limited and care for treatments such as preventative medicine or non-critical conditions are usually not included.

While these plans may suffice for those in excellent health or for shorter-term visitors, the limitations placed on coverage can result in much higher medical bills (should medical treatment be required) as many forms of care and conditions are not covered. As a result, most individuals who choose to purchase a private individual Malaysia health insurance plan, prefer plans which offer more comprehensive levels of coverage.

Malaysia's comprehensive individual health insurance plans tend to offer far broader levels of protection than their emergency-only counterparts by providing access to a vast network of medical care provider partners and can even offer whole health protection for the insured individual.

These comprehensive personal medical insurance plans also vary in levels of coverage available between providers, but almost all feature hospitalization and out-patient coverage to ensure that their insured's needs are cared for in any eventuality.

 

Malaysia Individual Health Insurance Coverage

While options and levels of coverage vary, a common factor that all individual health insurance plans offered in Malaysia have is that they will provide the insured with the peace of mind that comes with being able to access included necessary medical treatment, should the need arise. Please read on to learn more about the personal coverage available to you in Malaysia.

Below are some of the individual health insurance plan coverage benefit options offered by many insurers in Malaysia, click any of the links to learn more about each specific aspect of cover.

 
Contact Malaysia Medical Insurance Organization (MMI)
 
To find out which insurers offer emergency evacuation or transport coverage, speak to a Malaysia Medicl Insurance Organization (MMI) adviser. We have access to dozens of insurers information and can assist you by answering any questions you may have to help you find the right insurance coverage for your specific situation. Simply complete the information request at the top of this page to speak to MMI adviser at your convenience, or for instant help, please contact MMI careline +603-92863323.
 
 
 
Hospitalisation and Surgical Insurance Coverage Plan
 
Malaysia Inpatient Health Insurance Coverage

In-patient insurance coverage in Malaysia provides financial assistance and ensures access to quality healthcare and associated treatments for a covered injury or illness that requires overnight stay in hospital.

Also known as hospitalization coverage, in-patient coverage is not comprehensive but instead, it is intended to protect the insured in case of a major health issue, which tends to be the most costly type of treatment that the majority of people will encounter on a normal basis. Less serious treatments which do not require overnight hospitalization are usually excluded from coverage.

Since the coverage provided by in-patient insurance plans is more limited than some other forms of cover, premium fees are usually more affordable. Persons who prefer more complete coverage may prefer to purchase an out-patient insurance plan which usually provides much more comprehensive coverage.   

In-Patient Malaysia Health Insurance Coverage

Every insurer in Malaysia offering in-patient medical insurance plans will have specific elements of coverage and almost every provider's plans will have some differences. It is therefore best to compare and contrast coverage options to determine which plan is best for your specific needs. Below are some general examples of treatments and care that are commonly included in in-patient insurance coverage.

  • ambulance transit for illness or injury resulting in one or more nights stayed in hospital
  • required surgery, anesthesia and operating room costs during over-night hospitalization
  • diagnostic procedures such as X-ray imaging, magnetic resonance imaging, and lab testing
  • organ and tissue transplants and related costs
  • emergency room trips resulting in over-night hospitalization
  • semi-private or private hospital room during medical treatments
  • needed medication for treatments during hospitalization
  • over-night stay in an intensive care unit for medical treatment
  • needed supplies and equipment for covered treatments
 
Since the cost associated with most of the above mentioned items can be very high and in a major emergency the last thing most people want to think about is money, it is easy to see why in-patient insurance coverage plans are so popular to provide a basic level of protection against the most expensive potential health care situations.
 
Out-patient Kidney Treatment Insurance Plan  
 
 
 
Pre-Hospital Specialist Consultation Insurance Plan

 
 
 
Pre-Hospitalasation Diagnostic Tests Insurance Coverage
 

Malaysia Outpatient Health Insurance Coverage

Out-patient coverage, sometimes called comprehensive or complete coverage, is designed with the customer who wants to know that almost any health related issue that could arise will be included as part of their coverage. Out-patient coverage is offered in Malaysia by dozens of providers for individuals, family's, groups or business.

 

Out-Patient Malaysia Health Insurance Coverage

The level of cover offered by insurers in Malaysia through their out-patient insurance plans is usually far more inclusive than that of an in-patient plan. While in-patient plans require that the insured spend at least one night in hospital to qualify for coverage for their needed treatments, out-patient coverage extends financial assistance to the insured for much less serious medical conditions and treatments. Listed below are some examples of a few treatments and situations that are commonly included in out-patient coverage:

  • General practitioner's, family doctor's and specialist's visit and/or treatment fees
  • Vaccines and preventative medicines and some preventative treatments
  • Routine health check-ups
  • Diagnostic procedures, including X-rays and other internal imaging
  • Home health care and nursing
  • Traditional medicines with proven medical value, complimentary medicine and some alternative therapy
 
Children Medical and Healthcare Insurance Plan

Family Malaysia Health Insurance Plans - Children Medical and Health Insurance Plan

A Malaysia family health insurance coverage plan is designed to provide financial protection in case any member of the covered family encounters injury or illness. In all situations and by all providers, specific guidelines will outline who is considered a family member. For instance, some plans may cover both parents and all dependent children, whereas in other plans, members may need to be added to the insurance policy individually and thereafter, coverage is extended to them and the policy premium is adjusted accordingly.

Because many families decide to purchase insurance when they start to expand, it is good to know that often an expecting mother and her baby are automatically covered under the policy's terms as part of the insurer's maternity coverage, including all doctor's visits as well as delivery. The baby may sometimes even be automatically covered after birth as a member of the family. In other plans, the newborn may need to be added as a new member of the family.  
 
 
Baby Medical Card Hospitalisation Insurance Plan

Family Malaysia Health Insurance Plans - Baby Medical Card Hospitalisation Insurance Plan

A Malaysia family health insurance coverage plan is designed to provide financial protection in case any member of the covered family encounters injury or illness. In all situations and by all providers, specific guidelines will outline who is considered a family member. For instance, some plans may cover both parents and all dependent children, whereas in other plans, members may need to be added to the insurance policy individually and thereafter, coverage is extended to them and the policy premium is adjusted accordingly.

Because many families decide to purchase insurance when they start to expand, it is good to know that often an expecting mother and her baby are automatically covered under the policy's terms as part of the insurer's maternity coverage, including all doctor's visits as well as delivery. The baby may sometimes even be automatically covered after birth as a member of the family. In other plans, the newborn may need to be added as a new member of the family.

 
 
 
Senior Gold Medical and Accident Insurance Plan
 
 
 
Every plan and insurer has specific coverage details and it is important to understand what treatment is included before you make a purchase. For a complete explanation of care and coverage, always speak with a qualified MMI adviser. 
 
 

Group Malaysia Health Insurance Plans

As the economy of Malaysia continues to grow and employers seek to create more desirable and enticing benefit packages to attract and retain quality workers, the value of offering comprehensive private medical insurance to companies for their employees is further reinforced. By offering quality health insurance coverage, both the employers and employees see benefits, resulting in a happy and highly skilled workforce.

To fill this need, dozens of insurers offer Malaysia group health insurance plans for both small, medium and large businesses and corporations. In general, any group of three or more non-related employed individuals can be covered by a Malaysia group health insurance plan while they are employed by the insured company or business.

Other groups that can be covered by this type of insurance include social groups, sports teams, non-government organizations and schools.  
 
 

Malaysia Group Health Insurance Coverage

Because group plans are intended to provide health insurance to businesses and other organizations with several members who by nature, tend to have associates of various ages and health conditions, most provider companies will extend coverage to a much larger spectrum of potentially insured persons than many individual or family plans may not allow.

In particular, many private group health insurance providers are willing to disregard the prior medical history of the group's members so that all insured are able to access equal high-quality healthcare benefits. .

As members or employees of a group or company tend to come and go, Malaysia group insurance packages often have provision for the leaving member to take their coverage with them for a period of time and as long as premium dues are paid on time, they can continue to benefit from their coverage. This is especially valuable for long-time members of the plan as they will not be forced to purchase a new insurance policy, which may exclude all health issues that developed during the coverage period wherein they were part of the group coverage plan.

Generally speaking, group medical insurance plans are highly flexible as every company or organization’s needs and circumstances are different and in many cases, different levels of coverage are even required within the same group. To fully understand your options for coverage and to compare plans available, it is best to speak with a qualified adviser.

Some of the benefits available from a group health insurance plan include:

  • Pre-existing Condition Inclusion Coverage
  • In-patient Coverage
  • Out-patient Coverage
  • Maternity Care Coverage
  • Emergency Evacuation Or Repatriation Coverage
  • Geographic Area Requirements
  • Required Waiting Periods

For even more information about insurance coverage available for your group or company, see our Summary Of Coverage page.

 
 

Malaysia Health Insurance Group Premiums

As groups usually have far more members than any other type of insurance plan, the calculation methods used to figure group premiums are slightly more complex. In general, most insurers will base premium amounts on factors related to the number of members the group want to cover, the ages of the group's members, and the regions they will require coverage in. Click here to read more about Malaysia Health Insurance Premiums.

 
 
 
 
 
Accident Insurance Coverage Plan
 
 
 
 
Disablement Insurance Coverage Plan 
 
 
 
 
Dread Disease Insurance Coverage Plan  
 
 
Lady Special Dread Disease Insurance Coverage Plan
 
Traveling Medical and Accident Insurance Plan   
 
Malaysia Travel Insurance

Whether for business, vacation, volunteering, or adventure, Malaysia attracts millions of visitors every year. As health insurance is not often honored outside the insured's country of residence and few things are more frustrating or stress-filled than a serious injury or illness abroad, it makes good sense to purchase travel insurance for the duration of stay in a foreign country.

Short-term visitors to Malaysia who have adequate coverage in their resident country usually only require a plan that offers coverage for the length of their intended stay in Malaysia. Those who are relocating for a period of time exceeding one year, or expatriates who have taken up permanent residence in Malaysia, often find that an individual health insurance plan is more economical. Finally, frequent travelers (both to Malaysia and other locations abroad) can opt for an international insurance plan, which will provide coverage globally. 
 

Malaysia Traveler's Insurance Coverage

Since accidents are never planned for, but all too often occur when away from home and since accessing quality healthcare can be very difficult without adequate coverage, many decide that Malaysia travel insurance is a smart investment. Additionally, some travel insurance can even provide financial assistance and coverage against loss due to unforeseen travel plan changes and cancellations.

Traveler's medical insurance plans come in multiple levels of coverage. From very basic emergency-only coverage, which provides assistance in case an insured requires hospitalization, to comprehensive plans which will provide help for nearly any emergency or illness and sometimes even assisting in non-health related situations.

A service that is popular with some (and deemed critical by many) when traveling to remote, undeveloped or dangerous locations is emergency air evacuation and/or repatriation. This coverage is usually optional and covers the cost of air transport when necessary, to ensure that quality healthcare is available in an emergency.

Because every provider has specific options, requirements and restrictions for coverage within their Malaysia travel insurance plans, it is best to speak with a qualified MMI adviser for complete details.

  

Malaysia Traveler's Insurance Premium

As most Malaysia traveler's insurance plans are for short, very specific periods of time, the premium for coverage takes this, as well as the age of the traveler or travelers into account. When purchasing a travel insurance plan it is critical to calculate how long you will be in the country, factoring in any potential travel plan changes that may add to the length of the trip to make sure that coverage is available for the entire length of stay. Additionally, if you are planning to visit more than one country, most plans can easily accommodate multiple stops on a single itinerary as long as the locations are disclosed in advance. 

 
 
 
  
 
 
Malaysia Medical and Health Insurance Policy (MHI)                      
Medical and Health Insurance (MHI), is an insurance policy which is designed to cover the cost of private medical treatment, which can be very expensive, especially with hospitalization and surgical.
 
 
MHI also ensures that you won't have to worry about the cost of seeking treatment during emergencies. In addition, MHI also provides you with an income stream while you undergo treatment. 
 
Malaysia Insurance companies offer MHI policies either individually or in combination. When buying a policy, always:
1) Shop wisely before you apply or purchase. Compare the policies of different insurance companies.
2) Be very careful and only choose the insurance that best suits you.
3) Determine if you can afford the premiums of the MHI cover you choose.Don't buy more than you can afford.
4) Take your time to discuss with an agent from an insurance company about the MHI policy you want to buy.
5) Get information on the agent and insurance company. Get a business card with the agent's name, company name, address and telephone number. This is important if you want to enquiry, renew or
claim on a policy later.
6) Understand the terms and conditions of the policy as well as the scope of cover provided.
7) Read your policy contract carefully.
  
Malaysia Medical and Health Insurance Solution Services
 

 
You have not decided if you want to get a medical insurance? Or hoping to save some money by delaying your decision? Delay no more… No one knows what can happen tomorrow.

It sounds like an affordable medical card would be an ideal insurance coverage. It has the best of both worlds of the private hospitals and the government hospitals.
 
Or are you having trouble finding a helpful insurance agent? And wondering how to select an insurance policy out of so many available in the market?

Or are you facing the challenge of finding a friendly and responsible insurance agent who will patiently answer all your questions? And is able to bend his schedule according to your busy schedule?

Maybe you are even considering if the medical insurance is a good long term decision and confused if you should invest in such medical and health insurance?

Now, You Can Eliminate All These Worries With MMI.

MMI work with a pool of certified and qualified MMI Associate members (Senior Insurance Advisors) who can travel to your place for free medical and health insurance consultations (Nationwide).
 
Every senior insurance advisors that we recommend has a proven track record in providing medical and health insurance coverage policies and after sales service or claim advice service to their medical and health insurance clients or policyholders. 100% Satisfaction. If not, MMI refund you back within 30 days. No arguments! (Guarantee Cash Back) !

In addition, you can get an insurance policy with our appointed insurance agent. Just sign on the dotted line and you are covered.

Now, all your worries are eased with our MMI medical and health insurance policy. Call our MMI Careline +603-92863323 now to learn how MMI can help you find an excellent, qualified and professional senior insurance advisors for you.

Responsible and Knowledgeable Senior Insurance Advisors.
Qualified And Certified Senior Insurance Advisors With Proven Track Record.
Convenient Location And Timing (Nationwide within Malaysia).
Friendly And Professional Service.

 
Malaysia Medical and Health Insurance Protection Coverage Plan.
 
 
 
The type of Malaysia medical and health insurance product you would need depends on what you want protection against.
 
You should consider:

A) Have your medical expenses paid?
@ Medical expense insurance.

B) Receive a fixed amount of cash when you are in hospital?
@ Hospital cash insurance.

C) Reduce your financial burden when you are diagnosed with a major illness (for example, cancer)?
@ Critical illness insurance.

D) Protect your income when you are unable to work?
@ Disability income insurance 

Insurance companies may offer you these products individually or in combinations. 
 
Here are a few questions you should know the answer to before taking up medical and health insurance:
A) What will your health insurance policy cover?
B) Are you already covered for the same thing under another medical and health insurance policy?
C) What is not covered under this medical and health insurance policy and when will you not be covered?
D) How much will you be paying for your health insurance and will you be able to afford the premiums over the long term?
E) How often will the premium be charged and will it be a fixed or variable sum?
F) Will your medical and health insurance policy automatically be renewed, until when, and what is the penalty if you do not pay any premium on time?
G) When or in what circumstances will your health insurance policy lapse ?
H) What is your policy's claim process ?
I) Will you be covered for medical treatment performed outside your resident country?
J) Are there any limits to the benefits that can be paid out from your policy?
K) How will your future premiums be affected after you have made a claim?
 
  
 
You need to choosing one to suit your needs and therefore, please do not hesitate to contact our "MMI" Customer Service Department +603-92863323 or email to enquiry@medicalinsurance.com.my about the Malaysia Medical and Health insurance policy that you are planning to apply.  
 

Malaysia Health Insurance Waiting Periods

Waiting periods with regard to insurance coverage usually apply to any health issue that may have existed prior to the start of the policy's coverage. Insurers utilize waiting periods to prevent abuse of their coverage by anyone who is in dire need of care and would not otherwise purchase a plan to cover an upcoming treatment for a condition that has not been claimed as pre-existing.

Usually waiting periods imposed on coverage are not very long, only a few weeks to months, as insurers realize that few people are interested in exposing themselves to potential fraud allegations for seeking coverage or reimbursement they are not rightly entitled to, and the insurer needs to offer the best service possible to their insured in order to maintain excellent client relationships. 

 
 

Types Of Waiting Periods

Each insurance provider company has their own specific wait times for certain conditions, so always research the particular plan you are interested in to see how their restrictions will affect your coverage. Below is an overview of the most common waiting periods for Malaysia health insurance plans.

Pre-existing Conditions are commonly dealt with by a waiting period to establish the likelihood of recurrence, severity of symptoms or flare-ups. If the insurer is satisfied that the pre-existing condition does not pose an overly troublesome risk to their coverage it may be included after the predetermined waiting period.

Maternity Coverage almost always carries a waiting period. In some cases, up to one year to ensure that a woman who is pregnant before plan purchase is not accessing coverage for what would otherwise be an excluded condition. Maternity is not always excluded in this manner as other considerations (such as the term of pregnancy) may have a bearing on when coverage can begin. To illustrate, if a woman becomes pregnant in the third month of their plan they would not be excluded because she would be expected to give birth in about the twelfth month of her coverage.

To learn more about the specific waiting periods of a plan you are considering, talk to a qualified MMI adviser for complete details.

Malaysia Pre-Existing Condition Health Insurance Coverage

In some cases, insurance coverage has been denied or restrictions are placed on treatments to be included in the plan due to a pre-existing condition. While this practice is still common today among some coverage providers, there are situations where an individual's pre-existing condition can be included.

While there is no guarantee that any pre-existing condition can be included in coverage, most of the time options are available so that pre-existing conditions can be covered by either an increase in the premium cost (to account for the potential for future care of the condition) or by selecting a plan which can ignore all or almost all pre-existing conditions entirely.

Of course every plan and provider differs and many treat the pre-existing condition in their own manner, so it is best to discuss options for coverage with a qualified adviser before making a purchase.

 

Malaysia Pre-Existing Health Condition Insurance Coverage Options

While the easiest and most cost effective way to deal with a pre-existing health condition is to exclude it from coverage entirely and extend coverage for the rest of the individual or family's health exclusive of the condition, insurers understand that this is not always acceptable or practical.

Therefore, three primary methods of arranging coverage are available for anyone with a pre-existing health condition, as listed below.

Moratorium For Coverage – simply stated, a moratorium is a waiting period wherein the insured is covered against injury and illness for a pre-determined period of time (commonly around 24 months) while the pre-existing condition is excluded. At the end of that waiting period, if no significant symptoms or medical problems related to the pre-existing condition have arisen that require treatment, the policy will be adjusted so as to include the previously excluded condition in its coverage.

Premium Loading – though not as common as a moratorium, there are instances where an insurer will agree to increase the premium payment amount for coverage in exchange for extending coverage for a pre-existing health condition along with the rest of the policy benefits. This is not a very common practice as estimating the cost for potential treatment (should it be required) is very difficult.

Medical History Disregarded – this option is almost exclusively available through group coverage plans, often including more than 20 potentially insured members, where the need to offer the same coverage options for a wide range of individuals is necessary. As indicated by the name, it overlooks all past medical history and extends coverage as if the insured is in excellent health.

Please be aware that not every insurer offers these options for pre-existing condition coverage, and cost may vary greatly depending on insurer, specific condition involved, and other factors such as age. Most of the time, pre-existing conditions will need to be reviewed on a case by case basis to determine if inclusion is possible. For this reason, it is usually necessary to speak to an adviser prior to any purchase to find out what your options are if you need this type of coverage. 

 
 

Malaysia Health Insurance Coverage Limits

Coverage limits vary widely between insurers in Malaysia and sadly, some individuals have been caught unaware and left with significant medical bills after discovering that their insurance plan's limits were not sufficient to cover their treatment needs.

It is therefore necessary to thoroughly research your options for coverage to ensure you purchase a plan that features coverage limits high enough to always ensure you or your family's needs will be cared for.

 
 

Explanation Of Malaysia Health Insurance Coverage Limitations

While some disreputable insurers will offer coverage plans with absurdly low financial limitations, the majority of responsible and trustworthy insurers have very generous coverage limits typically ranging from RM1 to RM 3 million. This limitation, often referred to as the Overall Maximum Benefit, represents the total amount that will be contributed by the insurer to maintain or restore an individual, family or group's total health within a specified amount of time or for a specific health condition.

Coverage limitations come in three primary forms. Below is a review of the common limitations imposed on health insurance coverage plans in Malaysia.

Annual Limit- this sets a predetermined maximum amount of assistance to be offered on a single policy within one policy year for any treatments received to treat any covered injury or illness.

Lifetime Limit – this is the maximum amount of assistance available for the entire life of the policy. Typically, this is applied to multi-year coverage policies.

Per Condition Limit – in some cases, each health condition will have its own maximum coverage benefit for a single policy year. This amount will be explained in the policy schedule and different conditions may have different limits.

It is important to understand up front what amount of coverage you are entitled to prior to purchase of any policy, as waiting until an injury or situation arises (which may come near to or exceed the policy limit) is extremely stressful and potentially financially devastating.

 
 

Malaysia Health Insurance Coverage Definitions

For legal purposes, many insurers rely on terms that are not part of the common vernacular to describe their coverage, requirements and limitations. Here, Malaysia Health Insurance provides you with a list of some of the most common terms used by insurers to define the conditions of their policies. Understanding what these terms mean in plain English will make it much easier to make a confident decision about the best coverage for your circumstances.

Insurance – a legally binding agreement in which one party (the insurer) accepts the risk of another (the insured) in return of a prior arranged fee

Health/Medical Insurance – a legally binding agreement in which an insurer agrees to extend protection and financial assistance to an insured to cover included injury and illness or other health-related issues as outlined by the policy

Applicant – the person applying for coverage from an insurance provider

Application – required paperwork to be completed by the applicant for consideration of coverage by a specific provider

Specific Terms – the detailed conditions of coverage that outline levels of care and other information from a specific insurance policy, these terms are sometimes made on a case by case basis

Standard Terms – the usual conditions of coverage for a particular insurance plan

Hospitalization Coverage – medical insurance designed to cover the financial burden incurred by the insured due to required hospitalization and associated treatments

In-Patient Care – medical treatment which requires over-night stay in a hospital

Out-patient Care – medical treatment which does not require over-night stay in a hospital

Policy Conditions – the specific stipulations of coverage agreed to by the insurer and insured for a specific insurance policy

Policy Holder – the individual to whom the insurance policy is issued to and is subsequently responsible for payment. In the case of a group plan, this may be an authorized agent or administrator.

Policy Schedule – the document explaining the amount of coverage provided by a specified insurance policy

Deductible – the amount of financial responsibility, as stated in the policy, an insured person (or in some cases the family) has toward their own good health before their insurance coverage provides assistance with payment

Claim- a formal request, written or otherwise, by the insured to receive compensation or coverage for healthcare or treatments which are covered by their policy

Documents – the formal records (in hard-copy or electronic format) held by the client and provider for a specific policy relating to health, treatments and financial reimbursement. Typically, these are signed and/or sealed and are often part of the insured or insurer's permanent records

Commencement Date – the calendar date on which an insured persons coverage officially starts

Anniversary Date – the calendar date marking one incremental year of coverage for a multi-year insurance policy

Due Date – the calendar date the insurance policy premium's payment must be paid on or prior to

Renewal – the offering by the insurer to the insured to continue insurance coverage for an arranged fee for an agreed amount of time

Waiting Period – the amount of time that an insured must wait after payment has been received before their coverage begins

Region – the geographical area in which coverage is guaranteed by a specific insurance policy

Reimbursement Rate – the total amount of financial coverage available for a specific health condition or treatment as outlined by the insurance policy

Subrogation – the right reserved by the insurer to pursue financial compensation from a third party via legal action or settlement for coverage and/or compensation extended to their insured

Pre-existing Condition – any condition that was knowingly present in the insured health prior to the start date of coverage for a specified insurance coverage policy

Serious Injury – an injury (typically due to accident) which results in bodily harm sufficient to cause inability to perform tasks at the same level or with the same ease as prior to the injury, for either a long or short period of time

Acute Illness – illness characterized by rapid onset, but which typically only last for a short time

Surgery – the treatment administered by a medical professional with the purpose of improving or restoring the patient's health due to deformity, illness or injury

Terminal Phase - the point at which a disease has progressed to where there is considered little or no chance of recovery, and death seems imminent regardless of further treatments.

 
 

Malaysia Health Insurance Coverage Exclusions

Every Malaysia insurance provider reserves the right to exclude some health or medical conditions or treatments from their plan coverage.

As a general rule, all pre-existing health conditions present in and known of by the insured are usually counted as excluded at the start of a new policy.

The list below outlines some common exclusions of coverage, but each insurer will have their own specific list which may go beyond what is shown here.

  • Experimental cures or treatments
  • Health conditions resulting from or relating to drug and alcohol abuse
  • Female fertility tests and fertilization assistance procedures
  • Mental illnesses
  • Elective procedures
  • HIV and/or AIDS treatments
  • Male or female sterilization
  • Contraceptives
  • Fetal abortions
  • Conditions related to sexual dysfunction
  • Treatment due to or for morbid obesity
  • Treatments for injury due to terrorist attack  

     

Malaysia Health Insurance Deductibles

Every insurer in Malaysia treats their policy deductible options differently and it is even possible to purchase a plan with no deductible at all, but the majority will have some form of deductible associated with their coverage as outlined in the policy conditions.

Simply put, a deductible is the amount of financial responsibility any person, family or group has toward their own healthcare treatments within a specific period or for a specific condition.

Listed below are the most common types of deductible available with coverage plans in Malaysia. To fully understand all the deductible stipulations for an insurer's coverage, always speak to a qualified MMI adviser prior to purchase.

Type Of Deductibles For Malaysia Health Insurance

Co-Pay or Co-Insurance is the policy agreement wherein the insured agrees to pay a percentage of the needed treatment, medication and all related costs for covered healthcare they receive. To illustrate this; assuming the policy outlines a 20% co-payment for all medical treatments, this means that a for a treatment that costs RM 1000, the insured would be required to contribute RM 200 of their own money toward the treatment bill, while the insurer would pay the remaining 80%.

An Annual Deductible does not use a percentage to calculate the amount of financial responsibility toward their own health the insured bears, but instead sets a minimum amount that must be paid for all covered treatments before the insurer will begin to cover all subsequent expenses for treatment. This means that if the policy has a RM 2000 annual deductible then the insured will pay that amount for their healthcare in a policy year, and if any other cost is incurred above that amount it will be entirely paid for my the insurer.

A Per-condition Deductible is the most specific type of deductible commonly found in Malaysia because it outlines a specific amount of financial responsibility to be bore by the insured for each individual health situation. As an example; if an insured breaks their right arm and their pre-condition deductible is RM 500, then they will pay that amount toward their treatment and all other associated costs for the broken right arm will be paid by the policy, but if they break their left arm six months later in an unrelated accident then they will again pay RM 500 for the next condition.

 
 

Malaysia Health Insurance Claims

Anytime treatment is received by an insured, they will need to submit a claim to their insurer to notify them of the need for assistance. Without a claim submittal, there may not be any way for the insurer to know that they are responsible for any payment on behalf of their insured and the healthcare facility will often expect the treated individual to make payment personally for their care.

Depending on the nature of the treatment required, claims may be made by the insured (or in some cases on their behalf) by the treatment center. In general, whenever possible, it is best to contact your insurer prior to receiving treatment to ensure that all payments will be made.

Insurance claims in Malaysia (by most providers) fall in to one of the following categories. Read on to learn more about them. 
 
 
 

Types Of Malaysia Health Insurance Claims

Several types of claims are used by the many insurance providers in Malaysia and most companies will even use different kinds of claims depending on the type of plan selected. At times, even the same type of coverage will have multiple claim forms depending on the treatment required.

In-patient Treatment Guarantee General Claim – this claim is often filed in advance of a covered non-critical treatment that the insured is planning to undergo in the near future. These claims alert the insurer to their need to make payment for an upcoming treatment and in most cases, once the claim is filed, all subsequent communication can be handled by the insurance company with the treatment center, proving very convenient for the insured since all they will need to worry about is the planned treatment.

It is important to file this claim in advance, because it is not uncommon for an insured person to be denied treatment for a non-critical condition by the healthcare facility if they do not receive prior approval from the insurer with promise of payment.

In-patient Emergency Care Claim – unlike the In-patient Treatment Guarantee General Claim, this claim is not filed in advance as emergencies are never planned. Instead, the insured should focus on preserving and restoring their good health, and afterwards can contact their insurer to deal with payment or reimbursement for treatment received.

Because not all healthcare facilities will be in every insurers healthcare network, it is vital that an insured familiarizes themselves with their cooperating healthcare facilities that are available in their area so that in case of an emergency they can seek care there if possible.

Out-patient General Claim – this form is usually filed to request reimbursement for out of pocket payment that was made for necessary out-patient treatment. This may include doctor visits or emergency treatment that does not require hospitalization.

Out-patient Direct Settlement Claim – since most non-critical care will be administered through a network of healthcare facilities that can communicate directly with the insurer, this type of claim only requires the insured to present their information prior to care and then the healthcare facility will deal directly with the insurer for payment. The insurer will only need to make any co-payments that may be required of them.
 

Common Problems And Issues With Malaysia Health Insurance Claims

While insurance claims play an important role in making sure that all parties are promptly paid for needed treatments and coverage is always administered properly, the biggest complaint many have about their health insurance coverage is related to claims problems. As an insurance claim is a legal document, it is critical that claims are filled out, filed and handled properly. Read below to learn about some of most common issues concerning insurance claims.

Incomplete Paperwork Filing – probably the most common problem that slows the payment of treatment is due to paperwork not being completely filled out or important documents missing. It is important to make sure that all necessary signatures, payment receipts and any other necessary reference material are attached as proof of treatment and/or diagnosis, since claims are often denied due to lack of sufficient proof.

It is also advisable to make photocopies of all correspondence with your insurance provider and any other entity involving your claim, since documentation can be lost or misplaced at times and copies will serve as proof of your claim.

Pre-existing Condition Exclusion – in the case where a pre-existing condition is excluded from coverage but the insured seeks medical treatment for the condition, then the claim for reimbursement will be denied. When this happens, it can be very frustrating to the insured when they feel they are being denied coverage they deserve, so it is very important to make sure that you understand what is included in your coverage plan. To learn more about what is included, see Pre-existing Condition Health Insurance Coverage.

Malaysia Health Insurance Premiums

Malaysia health insurance plan's premium fees are typically calculated by the policyholder's age and the geographic coverage area of the plan. In some cases, some policy premiums are adjusted (usually increased) due to claims made for coverage and reimbursement, this is often called "experience adjustment”.

As price is usually a significant factor for many when consider insurance coverage in Malaysia, most providers offer a wide array of plans that range from very affordable for basic coverage, while extremely comprehensive coverage will usually be more expensive. Each person should look at their own situation and healthcare needs when selecting the appropriate level of coverage for themselves or their family.

Malaysia Health Insurance Renewals

Because age is a major factor in calculating the insurance policy premium, you should be aware that almost all premiums will usually increase as the years pass since a person's health gradually declines with age, even if the policy is renewed every year. Typically the price increase schedule will be published by the insurer so that their insured are aware of the price they will face in the future and can adjust their coverage accordingly so as to fit their budget.

In general, premiums are estimated using a "community average”, which means that all insured in a particular location and age bracket will be charged the same rate for the same coverage. This means that you will not be charged more than your neighbor for the same coverage from the same company, assuming you are the same age. 

Many plans offered in Malaysia are renewable for life, so long as the policy is never terminate.Malaysia Health Insurance Payment

Since everyone has their own circumstances, insurance providers offer several options for premium payment. Often, numerous currencies can be used to make cash payment, additionally credit cards, bank transfers, and in some cases cheques are also accepted.

While some people prefer to pay their coverage premium for the entire at the start of coverage, others may find semi-annual, quarterly or monthly payment to be more convenient. Usually however, the incremental payment will incur a small surcharge for allowing multiple smaller payments for coverage.

 

Malaysia Health Insurance Information
 
Every provider may interpret their terms in a slightly different manner and in some instances one or more conditions can be included with prior arrangement. Furthermore, this list is by no means comprehensive and for a specific plan or provider's complete list of exclusions it is necessary to contact a qualified MMI adviser.
 
 

 

 

 

 
 
 
 
 
 
 
 
 

 

 

 
 
Malaysia Insurance Company Listing
 
Life and General Insurance Business
1) American International Assurance Bhd   
2) Etiqa Insurance Berhad   
3) ING Insurance Berhad   
4) MCIS Zurich Insurance Berhad   
5) Prudential Assurance Malaysia Berhad   
6) Zurich Insurance Malaysia Berhad


Life Insurance Business Only 
1) AXA Affin Life Insurance Berhad   
2) Allianz Life Insurance Malaysia Berhad   
3) AmLife Insurance Berhad   
4) CIMB Aviva Assurance Berhad   
5) Great Eastern Life Assurance (Malaysia) Berhad   
6) Hong Leong Assurance Berhad   
7) Manulife Insurance Berhad   
8) Tokio Marine Life Insurance Malaysia Bhd   
9) Uni.Asia Life Assurance Berhad   
 
General Insurance Business Only
No.         
01) ACE Jerneh Insurance Berhad   
02) AIG Malaysia Insurance Berhad   
03) AXA Affin General Insurance Berhad   
04) Allianz General Insurance Company (Malaysia) Berhad   
05) AmG Insurance Berhad   
06) Berjaya Sompo Insurance Berhad   
07) Danajamin Nasional Berhad   
08) Kurnia Insurans (Malaysia) Berhad   
09) Lonpac Insurance Berhad   
10) MSIG Insurance (Malaysia) Berhad   
11) Multi-Purpose Insurans Berhad   
12) Overseas Assurance Corporation (Malaysia) Berhad   
13) Pacific & Orient Insurance Co. Berhad   
14) The Pacific Insurance Berhad   
15) Progressive Insurance Berhad   
16) QBE Insurance (Malaysia) Berhad   
17) RHB Insurance Berhad   
18) Tokio Marine Insurans (Malaysia) Berhad   
19) Tune Insurance Malaysia Berhad   
20) Uni.Asia General Insurance Berhad


 
Life and General Insurance Business

1) American International Assurance Bhd

General Information
HQ Address: Menara AIA, No. 99, Jalan Ampang, 50450 Kuala Lumpur, Malaysia.
Telephone: +603 2056 1111
Facsimile: +603 2056 2992
Website: www.aia.com.my
      
Complaints Unit
Department Name: Customer Relations Unit
Contact: Mr Chen Seong Onn
Address: Level 7, Menara AIA, 99 Jalan Ampang, 50450 Kuala Lumpur, Malaysia.
Telephone: +603 2056 3715
Facsimile: +603 2056 3791
E-mail: SeongOnn.chen@aia.com


2) Etiqa Insurance Berhad

General Information
HQ Address: Level 19, Tower C, Dataran Maybank, No. 1, Jalan Maarof, 59000 Kuala Lumpur, Malaysia.
Telephone: +603 2176 9000 / 9200
Facsimile: +603 2176 9090
Website: www.etiqa.com.my
      
Complaints Unit
Department Name: Complaint Management Unit
Contact: Rahayu Mohamad Anuar
Address: Level 4, Tower C, Dataran Maybank, No 1 Jalan Maarof, 59000 Kuala Lumpur, Malaysia.
Telephone: 1-300-13-8888
Facsimile: +603 2785 3093
E-mail: info@etiqa.com.my


3) ING Insurance Berhad

General Information
HQ Address: Menara ING, 84 Jalan Raja Chulan, P.O. Box 10846, 50927 Kuala Lumpur, Malaysia.
Telephone: +603 2058 4838
Facsimile: +603 2161 0549
Website: www.ing.com.my
      
Complaints Unit
Department Name: Customer Care
Contact: Ms Koid Seow Peng
Address: Menara ING, 84 Jalan Raja Chulan, 50927 Kuala Lumpur, Malaysia.
Telephone: 1 800 88 0303
Facsimile: +603 2711 0175
E-mail: custserve@ing.com.my


4) MCIS Zurich Insurance Berhad

General Information
HQ Address: Wisma MCIS Zurich, Jalan Barat, 46200 Petaling Jaya, Selangor, Malaysia.
Telephone: +603 7955 2577
Facsimile: +603 7957 1562
Website: www.mciszurich.com.my
      
Complaints Unit
Department Name: Complaint Unit
Contact: Naomi Santhanasamy
Address: Wisma MCIS Zurich, Jalan Barat, 46200 Petaling Jaya, Selangor, Malaysia.
Telephone: +603 7652 3956
Facsimile: +603 7955 6332
E-mail: naomi.santhanasamy@mciszurich.com.my


5) Prudential Assurance Malaysia Berhad

General Information
HQ Address: Level 17, Menara Prudential, No. 10, Jalan Sultan Ismail, 50250 Kuala Lumpur, Malaysia.
Telephone: +603 2031 8228
Facsimile: +603 2032 3939
Website: www.prudential.com.my
      
Complaints Unit
Department Name: Customer Engagement
Contact: Complaints Unit
Address: Level 3, Menara Prudential, No. 10, Jalan Sultan Ismail, 50250 Kuala Lumpur, Malaysia.
Telephone: +603 2116 0460
Facsimile: +603 2166 0599
E-mail: prufeedback@prudential.com.my


6) Zurich Insurance Malaysia Berhad

General Information
HQ Address: Aras 11, Menara Zurich, No. 12, Jalan Dewan Bahasa 50460 Kuala Lumpur, Malaysia.
Telephone: +603 2146 8000
Facsimile: +603 2142 5863
Website: www.zurich.com.my
      
Complaints Unit
Department Name: Complaint unit
Contact: Ms Cheah Siew Ming
Address: Aras 11, Menara Zurich, No. 12, Jalan Dewan Bahasa 50460 Kuala Lumpur, Malaysia.
Telephone: +6 03 2146 8000 / 2146 8357 (D/L)
Facsimile: +6 03 2144 1622
E-mail: siewming.cheah@zurich.com.my
 

Life Insurance Business Only
 1) AXA Affin Life Insurance Berhad

General Information
HQ Address: 8th Floor, Chulan Tower, No. 3, Jalan Conlay, 50450 Kuala Lumpur, Malaysia.
Telephone: +603 2117 6688
Facsimile: +603 2117 3698
Website: www.axa-affin.com
       
Complaints Unit
Department Name: Customer Care
Contact: Carol Leong, Customer Care Manager
Address: Tingkat 8, Chulan Tower, No. 3 Jalan Conlay, 50450 Kuala Lumpur, Malaysia.
Telephone: +603 2117 6688
Facsimile: +603 2117 6768
E-mail: customer.care@axa-life.com.my


2) Allianz Life Insurance Malaysia Berhad    

General Information
HQ Address: Suite 3A-15, Level 15, Block 3A, Plaza Sentral, Jalan Stesen Sentral 5, Kuala Lumpur Sentral, 50470 Kuala Lumpur, Malaysia.
Telephone: +603 2264 1188 / 2264 0688
Facsimile: +603 2264 1199
Website: www.allianz.com.my
       
Complaints Unit
Department Name: Complaints Unit, Customer Service Department
Contact: Mr. Murali Raja / Ms. Jamie Seow Boon Kia
Address: Ground Floor, Block 2A, Plaza Sentral, Jalan Stesen Sentral 5, Kuala Lumpur Sentral, 50470 Kuala Lumpur, Malaysia.
Telephone: +603 2263 6002
Facsimile: +603 2264 0520
E-mail: customer.service@allianz.com.my


3) AmLife Insurance Berhad

General Information
HQ Address: 9th Floor, Bangunan AmAssurance, 1 Jalan Lumut, 50400 Kuala Lumpur, Malaysia.
Telephone: +603 4047 8000
Facsimile: +603 4043 8680
Website: www.ambg.com.my
       
Complaints Unit
Department Name: Customer Relationship Unit
Contact: Ms Juliet Ng Pei Sze
Address: Customer Relationship Unit, 9th Floor, Bangunan AmAssurance, No. 1 Jalan Lumut, 50400 Kuala Lumpur, Malaysia.
Telephone: +60 3 4047 8100
Facsimile: +60 3 2171 3000
E-mail: feedback-amlife@ambankgroup.com


4) CIMB Aviva Assurance Berhad

General Information
HQ Address: Level 11, No. 338, Jalan Tuanku Abdul Rahman, 50100 Kuala Lumpur,
Malaysia.
Telephone: +603 2612 3600
Facsimile: +603 2698 7035
Website: www.cimbaviva.com
       
Complaints Unit
Department Name: Customer Services
Contact: Pn Fidya Saleh
Address: Level 7, No. 338, Jalan Tuanku Abdul Rahman, 50100 Kuala Lumpur,
Malaysia.
Telephone: +603 2614 3535
Facsimile: +603 2614 3550
E-mail: fidyasaleh@cimbaviva.com


5) Great Eastern Life Assurance (Malaysia) Berhad

General Information
HQ Address: Menara Great Eastern, 303 Jalan Ampang, 50450 Kuala Lumpur, Malaysia.
Telephone: +603 4259 8888
Facsimile: +603 4259 8000
Website: greateasternlife.com/my
       
Complaints Unit
Department Name: Complaint Handling Unit
Contact: Chia Chun Yung
Address: Great Eastern Life Assurance (Malaysia) Berhad, Complaints Handling Unit, Menara Great Eastern, 303 Jalan Ampang, 50450 Kuala Lumpur, Malaysia.
Telephone: +603 4813 3738
Facsimile: +603 4259 8397
E-mail: feedback@greateasternlife.com


6) Hong Leong Assurance Berhad

General Information
HQ Address: Level 3, Tower B, PJ City Development, No. 15A Jalan 219, Seksyen 51A, 46100 Petaling Jaya, Selangor, Malaysia.
Telephone: +603 7650 1818
Facsimile: +603 7650 1991
Website: www.hla.com.my
       
Complaints Unit
Department Name: Call Centre & Customer Service
Contact: Ms Lim Lee Peng / Ms Vemala Nathan
Address: Level 3, Tower B, PJ City Development, No. 15A Jalan 219, Seksyen 51A, 46100 Petaling Jaya, Selangor, P.O. Box 120, 46710 Petaling Jaya, Selangor, Malaysia.
Telephone: +60 3 7650 1818 (GL) / 7650 1288 (Customer Service)
Facsimile: +60 3 7650 1299
E-mail: csiu@hla.hongleong.com.my / lplim@hla.hongleong.com.my / vemala@hla.hongleong.com.my



7) Manulife Insurance Berhad

General Information
HQ Address: Menara John Hancock, Jalan Gelenggang, Bukit Damansara, 50490 Kuala Lumpur,
Malaysia.
Telephone: +603 2719 9228
Facsimile: +603 2094 0972
Website: www.manulife.com.my
       
Complaints Unit
Department Name: Customer Complaint Unit
Contact: Foong Yee Ping
Address: Manulife Insurance (Malaysia) Berhad, Customer Complaint Unit, P.O. Box 10312, 50710 Kuala Lumpur,
Malaysia.
Telephone: +603 2095 7612 / 2095 7613
Facsimile: +603 2092 2960
E-mail: service@manulife.com.my



8)Tokio Marine Life Insurance Malaysia Bhd

General Information
HQ Address: (formerly known as TM Asia Life Malaysia Bhd.)
Ground Floor, Menara Tokio Marine Life, 189, Jalan Tun Razak, 50400 Kuala Lumpur,

Malaysia.
Telephone: +603 2059 6188
Facsimile: +60 3 2162 8068
Website: www.tokiomarinelife.com.my
       
Complaints Unit
Department Name: Customer Service Centre
Contact: Ms Summer Liew | Ms Sheena Jayne
Address: (formerly known as TM Asia Life Malaysia Bhd.)
Ground Floor, Menara Tokio Marine Life, 189, Jalan Tun Razak, 50400 Kuala Lumpur,

Malaysia.
Telephone: +603 2059 6188
Facsimile: +603 2164 0988
E-mail: customercare@tokiomarinelife.com.my




9) Uni.Asia Life Assurance Berhad

General Information
HQ Address: Tingkat 8, Bangunan Uni.Asia, 16, Jalan Tun Tan Siew Sin, 50050 Kuala Lumpur,

Malaysia.
Telephone: +60 3 2072 1775
Facsimile: +60 3 2031 4689
Website: www.uniasialife.com.my
       
Complaints Unit
Department Name: Complaints Unit
Contact: Lim Poh Yeow (Assistant General Manager) / Andrew Lee Poh Chuan (Manager)
Address: Bangunan Uni.Asia, 16 Jalan Tun Tan Siew Sin, 50050 Kuala Lumpur,

Malaysia.
Telephone: +603 2687 2000
Facsimile: +603 2032 2739
E-mail: lpy@uniasialife.com.my, lpc@uniasialife.com.my


 
General Insurance Business Only
 
 
01) ACE Jerneh Insurance Berhad   

General Information
HQ Address: Wisma ACE Jerneh, 38 Jalan Sultan Ismail, 50250 Kuala Lumpur, Malaysia.
Telephone: +603 2116 3300
Facsimile: +603 2142 6672
Website: www.acejerneh.com.my
       
Complaints Unit
Department Name: Customer Complaints Unit
Contact: 1. Yvonne Yu (General Enquiries) 2.Chan Wai Khoon (Accident & Health / Travel Insurance)
Address: Wisma ACE Jerneh, 38 Jalan Sultan Ismail, 50250 Kuala Lumpur, Malaysia.
Telephone: +603 2116 3321 / +603 2058 3168
Facsimile: +603 2142 6672 / +603 2032 5472
E-mail: Inquiries.MY@acegroup.com


02) AIG Malaysia Insurance Berhad

General Information
HQ Address: Level 18 Menara Worldwide, 198 Jalan Bukit Bintang, 55100 Kuala Lumpur,Malaysia.
Telephone: +603 2118 0188
Facsimile: +603 2118 0288
Website: www.aig.my
       
Complaints Unit
Department Name: Complaint Handling Unit
Contact: Subashini Katrikassi
Address: Customer Care, Level 18, Menara Worldwide, 198 Jalan Bukit Bintang, 55100 Kuala Lumpur, Malaysia.
Telephone: 1 800 8888 11 or +603 2118 0188
Facsimile: +603 2118 0288
E-mail: AIGMYCare@aig.com



03) AXA Affin General Insurance Berhad

General Information
HQ Address: Ground Floor, Wisma Goldhill,67 Jalan Raja Chulan, 50200 Kuala Lumpur, Malaysia.
Telephone: +603 2170 8282
Facsimile: +603 2032 3131
Website: www.axa.com.my
       
Complaints Unit
Department Name: Customers Complaint Unit
Contact: Ang Puay Yoke / Michael Rajoo / Wo Yoke Fong
Address: Tingkat 23, Wisma Goldhill, 67, Jalan Raja Chulan, 50200 Kuala Lumpur, Malaysia.
Telephone: +603 2170 8282 / 2170 8370 / 2170 8270
Facsimile: +603 2031 6393
E-mail: puayyoke.ang@axa.com.my / michael.rajoo@axa.com.my / yokefong.wo@axa.com.my


04) Allianz General Insurance Company (Malaysia) Berhad

General Information
HQ Address: Suite 3A-15, Level 15, Block 3A, Plaza Sentral, Jalan Stesen Sentral 5, Kuala Lumpur Sentral, 50470 Kuala Lumpur, Malaysia.
Telephone: +603 2264 1188 / 2264 0688
Facsimile: +603 2264 1199
Website: www.allianz.com.my
       
Complaints Unit
Department Name: Complaints Unit, Customer Service Department
Contact: Mr. Murali Raja / Ms. Rasyikah Mohd Razali
Address: Suite 3A-15, Level 15, Block 3A, Plaza Sentral, Jalan Stesen Sentral 5, Kuala Lumpur Sentral, 50470 Kuala Lumpur, Malaysia.
Telephone: +603 2264 0520
Facsimile: +603 2264 0602
E-mail: customer.service@allianz.com.my



05) AmG Insurance Berhad

General Information
HQ Address: Level 13A, Bangunan AmAssurance, No. 1, Jalan Lumut, 50400 Kuala Lumpur, Malaysia.
Telephone: +603 4047 8000
Facsimile: +603 4045 3520
Website: www.amassurance.com.my
       
Complaints Unit
Department Name: Compliance Unit, Compliance & Operational Assurance Department
Contact: Johisham Jamaludin
Address: Level 13A, Bangunan AmAssurance, No. 1, Jalan Lumut, 50400 Kuala Lumpur, Malaysia.
Telephone: +603 4045 2320
Facsimile: +603 4045 3520
E-mail: feedback-amg@ambankgroup.com



06) Berjaya Sompo Insurance Berhad

General Information
HQ Address: 18th Floor, Office Block, Berjaya Plaza, 12 Jalan Imbi, 55100 Kuala Lumpur, Malaysia.
Telephone: +603 2141 3323
Facsimile: +603 2142 4782
Website: www.bgi.com.my
       
Complaints Unit
Department Name: Customer Service
Contact: Ms. Evelyn Chong
Address: 18th Floor, Menara BGI, Plaza Berjaya, 12, Jalan Imbi, 55100 Kuala Lumpur, Malaysia.
Telephone: +603 2144 5477
Facsimile: +603 2141 9205
E-mail: evelyn@berjayasompo.com.my



07) Danajamin Nasional Berhad

General Information
HQ Address: Level 25, The Gardens North Tower, Mid Valley City Lingkaran Syed Putra, 59200 Kuala Lumpur, Malaysia.
Telephone: +603 2299 2000
Facsimile: +603 2299 2100
Website: www.danajamin.com



08) Kurnia Insurans (Malaysia) Berhad

General Information
HQ Address: Menara Kurnia, Blok B4, Leisure Commerce Square, No. 9 Jln PJS 8/9, 46150 Petaling Jaya, Selangor, Malaysia.
Telephone: +603 7875 3333
Facsimile: +603 7875 9933
Website: www.kurnia.com
       
Complaints Unit
Department Name: Public Complaint Unit
Contact: Mdm. Lee Khim Kee / Ms. Daphnie Lau / Mr. John Nicholas
Address: Menara Kurnia, Blok B4, Pusat Dagang Setia Jaya, No. 9, Jalan PJS 8/9, 46150 Petaling Jaya, Selangor, Malaysia.
Telephone: +603 7876 1158
Facsimile: +603 7876 0891
E-mail: helpdesk@kurnia.com / customercomplaint@kurnia.com



09) Lonpac Insurance Berhad

General Information
HQ Address: 7th, 21st - 23rd Floor, Public Bank Building, 6 Jalan Sultan Sulaiman, 50000 Kuala Lumpur, Malaysia.
Telephone: +603 2262 8688 / 2723 7888
Facsimile: +603 2078 7455
Website: www.lonpac.com
       
Complaints Unit
Department Name: Customer Service/Complaints Unit
Contact: Puan Noor Hayati binti Yaacob (Customer Service Manager)
Address: LG Floor, Bangunan Public Bank, No. 6, Jalan Sultan Sulaiman, 50000 Kuala Lumpur, Malaysia.
Telephone: +603 2262 8666
Facsimile: +603 2715 1332
E-mail: complaint@lonpac.com



10) MSIG Insurance (Malaysia) Berhad

General Information
HQ Address: Level 29, Menara Weld, 76 Jalan Raja Chulan, 50200 Kuala Lumpur, Malaysia.
Telephone: +603 2050 8228
Facsimile: +603 2026 8086
Website: www.msig.com.my
       
Complaints Unit
Department Name: Customer Service Department
Contact: Agnes Ang Cheng Wooi
Address: Level 22, Menara Weld, 76, Jalan Raja Chulan, 50200 Kuala Lumpur, Malaysia.
Telephone: +603 2050 8294
Facsimile: +603 2070 1454
E-mail: agnes_ang@my.msig-asia.com



11) Multi-Purpose Insurans Berhad

General Information
HQ Address: 9th Floor, Menara Multi-Purpose, Capital Square, 8 Jalan Munshi Abdullah, 50100 Kuala Lumpur, Malaysia.
Telephone: +603 2691 9888
Facsimile: +603 2694 5758 / 5759
Website: www.mpib.com.my
       
Complaints Unit
Department Name: Customer Complaint Unit
Contact: Ho Sook Weng
Address: 8th Floor, Menara Multi-Purpose, Capital Square, No. 8, Jalan Munshi Abdullah, 50100 Kuala Lumpur, Malaysia.
Telephone: +603 2034 9888 ext 2139
Facsimile: +603 2692 4716
E-mail: swho@mpib.com.my



12) Overseas Assurance Corporation (Malaysia) Berhad

General Information
HQ Address: Level 18, Menara Great Eastern, 303 Jalan Ampang, 50450 Kuala Lumpur, Malaysia.
Telephone: +603 4259 7888
Facsimile: +603 4813 2737
Website: www.oac.com.my
       
Complaints Unit
Department Name: Complaint Handling Unit
Contact: Chong Kah Lay / Corinne Hor
Address: Level 18, Menara Great Eastern, 303 Jalan Ampang, 50450 Kuala Lumpur, Malaysia.
Telephone: +603 4259 7929 (Chong Kah Lay) / +6012 6888 645 (Corinne)
Facsimile: +603 4813 3798 (Corinne)
E-mail: klchong@oac.com.my / Corinneevelynhor@greateasternlife.com



13) Pacific & Orient Insurance Co. Berhad

General Information
HQ Address: 11th Floor, Wisma Bumi Raya, 10 Jalan Raja Laut, 50350 Kuala Lumpur, Malaysia.
Telephone: +603 2698 5033
Facsimile: +603 2693 8145
Website: www.pacific-orient.com/poi/
       
Complaints Unit
Department Name: Complaint
Contact: Liew Moy Yon
Address: 11th Floor, Wisma Bumi Raya, No. 10, Jalan Raja Laut, 50350 Kuala Lumpur, Malaysia.
Telephone: +603 2698 5033 (Ext. 3471)
Facsimile: +603 2692 6700
E-mail: helenyee@pacific-orient.com



14) The Pacific Insurance Berhad

General Information
HQ Address: 6th Floor, Menara Prudential, 10, Jalan Sultan Ismail, Peti Surat 12490, 50780 Kuala Lumpur, Malaysia.
Telephone: +603 2072 6633
Facsimile: +603 2070 1881
Website: www.pacificinsurance.com.my
       
Complaints Unit
Department Name: Complaints Monitoring Unit
Contact: Ong Boon Hock
Address: Level 6, Menara Prudential, No. 10, Jalan Sultan Ismail, 50780 Kuala Lumpur, Malaysia.
Telephone: +603 2176 1188
Facsimile: +603 2026 3898
E-mail: bhong@pacificinsurance.com.my



15) Progressive Insurance Berhad

General Information
HQ Address: 9 & 10 Floor, Berjaya Plaza, 12 Jalan Imbi, 55100 Kuala Lumpur, Malaysia.
Telephone: +603 2141 0044
Facsimile: +603 2141 8257 / 2144 4528
Website: www.progressiveinsurance.com.my
       
Complaints Unit
Department Name: Complaint Unit
Contact: Ganesan Ramachandran
Address: 9th & 10th Floor, Menara BGI, Plaza Berjaya, No. 12, Jalan Imbi, 55100 Kuala Lumpur, Malaysia.
Telephone: +603 2118 8111
Facsimile: +603 2118 8101/8102
E-mail: ganesan@progressiveinsurance.com.my



16) QBE Insurance (Malaysia) Berhad

General Information
HQ Address: No. 638, Level 6 & 7, Block B1, Pusat Dagang Setia Jaya, (Leisure Commerce Square), No. 9 Jalan PJS 8/9, 46150 Petaling Jaya, Selangor, Malaysia.
Telephone: +603 7861 8400
Facsimile: +603 7873 7430
Website: www.qbe.com.my
       
Complaints Unit
Department Name: Complaint Unit
Contact: Shirlyn Lim Seow Ling/Hardev Singh (78618622)
Address: No. 638, Level 6, Block B1, Pusat Dagang Setia Jaya (Leisure Commerce Square), No. 9, Jalan PJS 8/9, 46150 Petaling Jaya, Selangor, Malaysia.
Telephone: +603 7861 8763
Facsimile: +603 7873 7430
E-mail: shirlyn@qbe.com.my / hardevs@qbe.com.my



17) RHB Insurance Berhad

General Information
HQ Address: Level 10, Tower One, RHB Centre, Jalan Tun Razak, 50400 Kuala Lumpur, Malaysia.
Telephone: +603 9281 2731
Facsimile: +603 9281 2729
Website: www.rhb.com.my/insurance/main/
       
Complaints Unit
Department Name: Complaint Unit
Contact: Ahmad Zaidi Khairuddin
Address: Level 8, Tower One, RHB Centre, Jalan Tun Razak, 50726 Kuala Lumpur, Malaysia.
Telephone: +603 9280 3173
Facsimile: +603 9281 2729
E-mail: zaidi@rhbinsurance.com.my



18) Tokio Marine Insurans (Malaysia) Berhad

General Information
HQ Address: 29 - 31 Floor, Menara Dion, 27 Jalan Sultan Ismail, 50250 Kuala Lumpur, Malaysia.
Telephone: +603 2026 9808
Facsimile: +603 2026 9708
Website: www.tokiomarine.com.my
       
Complaints Unit
Department Name: Complaint Unit
Contact: Lim Chong Beng / Hasliza Bte Hashim / Wong Wai Kit
Address: 29 - 31st Floors, Menara Dion, 27 Jalan Sultan Ismail, 50250 Kuala Lumpur, Malaysia.
Telephone: +603 2026 9808
Facsimile: +603 2026 9708
E-mail: cblim@tokiomarine.com.my


   
19) Tune Insurance Malaysia Berhad

General Information
HQ Address:     Bangunan Tune Insurance, 36 Jalan Ampang, 50450 Kuala Lumpur, Malaysia.
Telephone:     +603 2070 2828
Facsimile:     +603 2072 4150
Website:     www.tuneinsurance.com
       
Complaints Unit
Department Name:     Legal & Compliance Department
Contact:     Kathiravan a/l Balakrishnan, Manager
Address:     Bangunan Tune Insurance, 36 Jalan Ampang, 50450 Kuala Lumpur, Malaysia.
Telephone:     +603 2070 2828 ext 255
Facsimile:     +603 2070 3657
E-mail:     kathiravan.balakrishnan@tuneinsurance.com 
 


20) Uni.Asia General Insurance Berhad

General Information
HQ Address: Menara Uni.Asia, 1008 Jalan Sultan Ismail, 50250 Kuala Lumpur, Malaysia.
Telephone: +603 2693 8111
Facsimile: +603 2693 0111
Website: www.uniasiageneral.com.my
       
Complaints Unit
Department Name: Customer Complaints
Contact: Ms Nages
Address: 9th Floor, Menara Uni.Asia, 1008 Jalan Sultan Ismail, 50250 Kuala Lumpur, Malaysia.
Telephone: +603 2693 2870
Facsimile: +603 2693 1611
E-mail: customercare@uniasiageneral.com.my 
 
 
 
 
 
 
BNMLINK & TELELINK

Bank Negara Malaysia Laman Informasi Nasihat dan Khidmat (BNMLINK) represents one of Bank Negara Malaysia’s important points of contact with the general public. BNMLINK acts as a centralised point of contact to facilitate a rapid and effective response for members of the public and small and medium enterprises (SMEs) in matters related to the financial sector. BNMLINK through its exhibitions, self-service kiosks and booklets also provide consumer financial education as well as awareness on the role of Bank Negara Malaysia in nation building to the public.

BNMLINK provides walk-in customer services and operates from Monday - Friday, 9.00 a.m. - 5.00 p.m. at our headquarters in Kuala Lumpur .

Click here to visit the BNMLINK website.

BNMTELELINK complements the walk-in counter services of BNMLINK for the general public and can be contacted directly either by telephone, fax, letter or email.

Members of the public can contact BNMLINK and BNMTELELINK for information, enquiries or redress in the areas of conventional and Islamic banking, insurance and takaful, advisory services for small and medium enterprises, foreign exchange administration and other matters under Bank Negara Malaysia's purview.

Laman Informasi Nasihat dan Khidmat (BNMLINK)
(Walk-in Customer Service Centre)
Ground Floor, D Block,
Jalan Dato' Onn
50480 Kuala Lumpur

Tel : +603-2698-8044 extension 8950 / 8958 (BNMLINK general line)

Operating Hours: 9.00 a.m. - 5.00 p.m. (Monday - Friday)

Contact Centre (BNMTELELINK)
Laman Informasi Nasihat dan Khidmat (LINK)
Bank Negara Malaysia
P.O. Box 10922
50929 Kuala Lumpur

Tel : 1-300-88-5465 (1-300-88-LINK)
(Overseas: +603-2174-1717)
Fax: +603-2174-1515
E-mail: bnmtelelink@bnm.gov.my

Operating Hours: 9.00 a.m. - 5.00 p.m. (Monday - Friday)


BNMLINK & TELELINK
Complaint units of financial institutions
Biro Kredit (Credit Bureau)
Agensi Kaunseling dan Pengurusan Kredit (AKPK)
Financial Mediation Bureau (FMB)

BNMLINK & TELELINK

Go to BNMLINK WebsiteBank Negara Malaysia Laman Informasi Nasihat dan Khidmat (BNMLINK) represents one of Bank Negara Malaysia’s important points of contact with the general public. BNMLINK acts as a centralised point of contact to facilitate a rapid and effective response for members of the public and small and medium enterprises (SMEs) in matters related to the financial sector. BNMLINK through its exhibitions, self-service kiosks and booklets also provide consumer financial education as well as awareness on the role of Bank Negara Malaysia in nation building to the public.

 
BNMLINK provides walk-in customer services and operates from Monday - Friday, 9.00 a.m. - 5.00 p.m. at our headquarters in Kuala Lumpur .

Click here to visit the BNMLINK website.

http://www.bnm.gov.my/bnmlink/index.htm

BNMTELELINK complements the walk-in counter services of BNMLINK for the general public and can be contacted directly either by telephone, fax, letter or email.

Members of the public can contact BNMLINK and BNMTELELINK for information, enquiries or redress in the areas of conventional and Islamic banking, insurance and takaful, advisory services for small and medium enterprises, foreign exchange administration and other matters under Bank Negara Malaysia's purview.

Laman Informasi Nasihat dan Khidmat (BNMLINK)
(Walk-in Customer Service Centre)
Ground Floor, D Block,
Jalan Dato' Onn
50480 Kuala Lumpur

Tel : +603-2698-8044 extension 8950 / 8958 (BNMLINK general line)

Operating Hours: 9.00 a.m. - 5.00 p.m. (Monday - Friday)

Contact Centre (BNMTELELINK)
Laman Informasi Nasihat dan Khidmat (LINK)
Bank Negara Malaysia
P.O. Box 10922
50929 Kuala Lumpur

Tel : 1-300-88-5465 (1-300-88-LINK)
(Overseas: +603-2174-1717)
Fax: +603-2174-1515
E-mail: bnmtelelink@bnm.gov.my

Operating Hours: 9.00 a.m. - 5.00 p.m. (Monday - Friday)




Complaint units of financial institutions

As a consumer, it is your right and responsibility to address any dissatisfaction or discrepancy with your financial service provider. All commercial banks, Islamic banks, insurance companies, takaful operators and card issuers that are regulated by Bank Negara Malaysia have established dedicated complaints units in their respective organizations to address and respond to complaints in a timely manner.

If you have a complaint about the products or services of your financial service provider, or you are not satisfied with any action taken by your financial service provider, you should first try to resolve the complaints with the complaints unit of your financial service provider.

You can look for the details of your financial service provider’s complaints unit and the officer in charge by following these links:

Licensed banking institutions in Malaysia
Licensed Insurance companies & Takaful operators
List of Issuers of Credit Cards, Charge Cards, E-money and Remittance Service Providers

To learn more about how to make a complaint, please visit the bankinginfo and insuranceinfo website:





Financial Mediation Bureau (FMB)

The Financial Mediation Bureau (FMB) is an independent body set up to help settle disputes between you and your financial service providers who are its members.

The FMB provides consumers with a platform for an objective and timely resolution of disputes, claims and complaints arising from services provided by the member financial institutions (presently comprising the commercial banks, Islamic banks, investment banks, insurance companies, takaful operators, development financial institutions and card issuers that are regulated by Bank Negara Malaysia).

The FMB provides you with a fast, convenient and efficient avenue to refer your disputes for resolution as an alternative to the courts. These disputes may be banking/financial related as well as insurance and takaful related.

The services of the FMB is offered free of charge to you.

For more information and to learn how FMB may help you, please visit the FMB's website.

http://www.fmb.org.my/ 
 
 
 
 

Malaysia Medical Insurance Organization (MMI)
Your Trusted Malaysia Medical Insurance Risk Management Advisory Provider
 

Malaysia Medical Insurance Organization (MMI)
Head Office,
158-3-7, BLOK 158, KOMPLEKS MALURI,
JALAN JEJAKA, TAMAN MALURI,CHERAS,
55100 KUALA LUMPUR, MALAYSIA.
MMI careline +603-92863323
mmicare@medicalinsurance.com.my
www.medicalinsurance.com.my 
 
  
How To Become MMI Associate Members please click HERE
 
Please click HERE for MMI Associate Members Application Form