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Medical Insurance! If I don't claim, I get nothing?

Updated: Nov 30, 2021

I pay for my medical insurance. And in the end, if I don't claim I get nothing.

So why should I continue? Should I just get an investment in policy or what? Okay, bawak bersabar, I will explain.

You are correct if a standalone policy, you can only claim if you are hospitalized. But if you take an investment link policy, how much je the cash value in 10 to 20 years? Depends on how much you invest monthly? In 10 to 20 years, you can only get RM10,000 to RM20,000.

Ok. Dah cukup. Today I'm not talking about the difference between standalone medical card and investment link policy. My brother Moses already did a video regarding that. Please check it out.

Today, let me tell you what if you do not claim and you do not use up the annual limit on the card, you can get more benefit. Let me introduce to you. AIA Health Wallet.

Dengan betul-betul. Bukan TNG wallet. Bukan Grab Pay. This is health wallet only for AIA medical plan. So what kind of benefit can this wallet provide to you? Order a grab food? Of course not lah.

Let's say Encik Ali purchases a policy which covers his medical expenses up to RM1,500,000 a year. And Encik Ali did not claim for his medical insurance within that year. AIA will credited RM1,500 to his health wallet. And Encik Ali can use this RM1,500 for these four benefits.

Okay, what are these four benefits?

The first prevention benefit.

You can go to do a health screening and AIA will cover as well. Up to RM300 per screening. It also covers vaccination for those who are 16 years and above. Such as flu vaccination, Hepatitis B, and many more.

Second is the special care benefits. What are the special benefits?

Such as congenital conditions, elective, plastic or cosmetic surgery that are caused by accidental injury or even cancer. Those can claim. How much can you claim? It is subjected to how much is inside your health wallet.

The third benefit is for recovery and support.

What support? Support in such as mobility and hearing conditions. Such as artificial limb or even hearing aid. Recovery benefits start from coverage as in early stage cancer, stroke, or even heart attack. How much again? You ask. It is covered up to the amount inside your health wallet. As charged.

The last one the most important that my clients have asked me. It covers mental benefit as well. Let me explain.

This includes consultation fee for psychiatrist for the following conditions. Condition such as major depressive disorder, obsessive compulsive disorder, schizophrenia, bipolar disorder, and many more. Please contact me if you want to know. All these health wallet benefits is up to RM1,500 per year. You can claim.

So that's all for my sharing today. With this medical card plus the health wallet. Do you feel secure? If something happened and you go to the hospital, it covers under the medical card. If you did not claim, you can also benefit from the health wallet. If you do still have some questions, please don't hesitate to whatsapp me or even call me.

See you in the next video. Bye bye.

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