Contents
English
This post is generally applicable to Malaysians only (with some exceptions), as most policies of non-Malaysia citizens have amended terms.
Terms for claims abroad are generally the same as claims domestically, with some differences:
- Claims are via reimbursement only, not cashless.
- The limit of being abroad is 90 days consecutively. If you’re abroad longer than that and there’s a claim in a foreign currency (after the 90-day period), it’s not claimable.
- The claim paid out will be limited to what it would have cost in Malaysia, based on bill itemisation. What do I mean by this?
- For example, let’s say the typical itemised invoice for 1 week of dengue admission in Malaysia adds up to MYR 10,000.
- If we are admitted for dengue in Indonesia (with cheaper healthcare), the bill is IDR 10.000.000, and that’s less than the MYR bill, no problem, it can be claimed in full.
- If we are admitted in Singapore and it’s SGD $10,000, then it likely won’t be claimable fully as some of the items cost more than they do in Malaysia.
- If there’s a medical emergency abroad and the estimated cost of the hospital bill is astronomical, and unlikely to be born out of pocket first by the insured, AIA can arrange for a medical evacuation and bring the patient back to Malaysia. These type of cases will be evaluated on a case by case basis.
- If you’re traveling to a higher cost of living country where the healthcare cost is also likely higher, it’s encouraged to get a travel insurance with your flight ticket. Or if you travel frequently, you can get an annual travel insurance.
Cheers. - wan
Bahasa Malaysia
Terma claim di luar negara sama seperti claim di Malaysia, tetapi ada beberapa perbezaan:
- Claim hanya “pay and claim”, tidak cashless.
- Had berada di luar negara ialah 90 hari berturut-turut, dimana sekiranya selepas dari tempoh tersebut, anda dianggap bukan pemastautin di Malaysia dan claim selepas dari tempoh tersebut dalam matawang asing tidak boleh claim.
- Claim hanya diluluskan mengikut had kadar bil rincian di Malaysia. Saya akan perjelaskan:
- Contohnya, bil rincian untuk masuk wad disebabkan denggi di Malaysia berjumlah RM 10,000.
- Sekiranya kita masuk wad di Indonesia dimana kos perubatan sedikit lebih murah, katakanlah bil denggi yang sama tersebut jumlahnya IDR 10.000.000, maka tiada masalah, claim boleh diluluskan sepenuhnya sebab ianya lebih murah dari Malaysia.
- Kalau kita masuk wad di Singapura pula, dan bilnya jadi SGD $10,000, maka claim tidak dapat diluluskan dengan sepenuhnya kerana kosnya lebih mahal dari di Malaysia.
- Sekiranya ada kecemasan perubatan di luar negara, dan anggaran kos akan sangat tinggi dan tidak mungkin untuk kebanyakan orang bayar pay and claim, maka AIA boleh uruskan untuk medical evacuation, iaitu hantar doctor dan jemput patient dari luar negara balik ke Malaysia. Kes-kes macam ini akan dipertimbangkan oleh AIA mengikut situasi, dan saya tiada panduan jelas untuk tahu apa kes yang dijamin lulus ataupun tidak.
- Sekiranya anda ke negara yang lebih tinggi kos sara hidup, dimana kemungkinan kos perubatan juga lebih tinggi, maka anda digalakkan untuk ambil insuran perjalanan dengan tiket pesawat anda. Sekiranya anda kerap ke luar negara, lebih sesuai ambil insuran perjalanan tahunan terus.
Sekian untuk hari ini. - wan