购买医药卡前需要弄明白的7个事项
医药卡持有者,你是否能回答以下的8个问题?
疾病年轻化医疗费越见高昂的现代社会,相信大部分人手上都有一张医药卡!身为医药卡持有者的你是否了解你所购买的医药卡呢?
1. 每月/每年的保费(Premium)
你的医药卡每年的收费是多少?有些人会选择每个月缴付保费,而有些人选择每半年缴付一次,有些人为了方便会选择每年缴付一次。
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2. 每年可索赔的最高数额(Overall Annual Limit)
一般的医药卡每年的最高索赔额为10万至15万令吉,有加保的话则可享有每年99万令吉的最高索赔额。你持有的医药卡每年最高的索赔额是多少呢?
3. 终身可索赔的最高数额(Overall Lifetime Limit)
医药卡分为2种,也就是终身无限额的索赔,还有有限额的索赔。无限额的索赔就是没有限制受保者终身可索赔的数额,而有限额的索赔就是有规定受保者终身最高可索赔的金额,例如终身只可索赔120万令吉。
4. 住院可索赔的每日费用(Hospital Room and Board)
医药卡都会详细注明受保者在住院时,每日可索赔的最高数额,有些医药卡只承担每日150令吉、有些则是200令吉、有些是300令吉等。每年最多可索赔的住院天数为180天。
5. 是否需分摊医药费(Co-Insurance)
这是受保者必须和保险公司分担一小部分的住院与医药费用:大多数医药卡都明订Co-Insurance条例,即受保者负责分担10%的住院费用,或最少需分担300令吉,最高1000令吉的医药费,余下的住院与医药费才由保险公司承担。你所购买的医药卡是否有这项条例?
6. 保险公司的合作医院(Panel Hospitals)
许多受保者以为只有到指定医院就诊,保险公司才会付费,事实却非如此。不管是指定或非指定医院,保险公司都会负责,差别在于到指定的医院可免付费就诊、到非指定医院受保者需代垫医药费,再向保险公司索费。你所购买的医药卡有哪些合作的医院?
7. 不受保的项目(Exclusions)
整容、生育、自杀、危险运动、滥用毒品、战争或暴乱所引起的事故都属于不受保的项目。
欢迎追踪我们的Telegram Channel 以获取最新最热消息。
https://www.winrayland.com/2021/12/medical-card.html
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