Health
Secure Your Health with AmMetLife's Comprehensive Medical Insurance and Critical Illness Insurance Plans
At AmMetLife, we believe that good health is your most valuable asset, thus crafting our health insurances tailored for your well-being and financial peace of mind. Our comprehensive medical insurance and critical illness insurance plans are designed to meet the diverse needs of individuals and families in Malaysia.
Medical Insurance Plans: Comprehensive Coverage for Peace of Mind
Our medical insurance plans are not just policies; they are your safety net against the unpredictable nature of health issues. Key features include:
Hospitalisation Coverage: Our medical plans cover hospital stays, ensuring you get the necessary in-patient care without the stress of mounting bills.
Surgical and Post-Care Support: From minor procedures to major surgeries, our medical plans provide coverage for various surgical needs, including post-care treatments.
Wide Network of Hospitals: Access a broad network of hospitals and medical facilities across Malaysia, ensuring top-quality treatment without financial constraints.
Critical Illness Insurance Plans: Your Shield Against Life-Changing Illnesses
A critical illness diagnosis can be life-changing, both emotionally and financially. Our critical illness insurance plans are designed to alleviate these burdens, offering financial support to help you focus on recovery:
Comprehensive Coverage: Our plans cover a wide range of critical illnesses, including cancer, heart attack, stroke, and more, ensuring broad protection.
Lump-Sum Payouts: Upon diagnosis of a covered illness, receive a lump-sum payment, offering the flexibility to use funds according to your needs – be it for treatment costs, daily expenses, or even to cover lost income during your recovery period.
Whether you're looking for critical illness coverage or a comprehensive medical insurance plan, we have the right solution tailored for you. Experience the peace of mind that comes with knowing you're protected by one of Malaysia's leading insurance companies.
FAQs about Medical and Critical Illness Insurance
Medical insurance plan is a type of insurance coverage that pays for medical and surgical expenses incurred by the insured. It can reimburse the insured for expenses incurred due to illness or injury, or pay the healthcare provider directly.
Critical illness insurance provides a lump-sum benefit if the insured is diagnosed with one of the specific illnesses listed in the policy, such as cancer, heart attack, or stroke. This is different from medical insurance, which typically covers a broader range of health-related expenses but doesn't provide a lump-sum payout.
Medical insurance often covers expenses for hospitalisations, surgeries, and post-hospitalisation treatments. Our medical insurance plans can also cover outpatient treatment, genomics tests for cancer and more.
Coverage for pre-existing conditions varies by policy and insurance provider. Some policies may exclude pre-existing conditions, while others may cover them after a waiting period. Some might not offer coverage at all if the risk is deemed too high.
Yes, you can have both. They serve different purposes: medical insurance covers a broad range of healthcare expenses, while critical illness insurance provides a specific benefit upon diagnosis of a critical illness. Having both would ensure a more comprehensive insurance coverage.
Consider factors like coverage needs, budget, policy exclusions, and any additional benefits. It's often helpful to consult with an insurance advisor to find the best fit for your situation.