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English
Some of you may have read the CodeBlue post on copayments or seen derivatives of it on social media. If you’re wondering whether your existing plan is affected by this, the answer is no. Bank Negara says:
- With effect from 1 September 2024, insurers and takaful operators (ITOs) must offer consumers an option to purchase MHIT products with a co-payment feature.
- Consumers who have already purchased MHIT products without a co-payment feature can continue with their existing MHIT products at renewal.
- ITOs can also continue to offer MHIT products without a co-payment feature to new consumers.
Reference: Bank Negara Malaysia
As for AIA, our newer plans now all have deductibles. So far, existing policies are not affected. In theory, yes, the policy terms can be amended based on what’s stated in the contract:
“We reserve the right to amend the terms and provisions of this Policy by giving three (3) months prior notice in writing, and such amendment will be applicable from the next renewal of this Policy. No alteration to this Policy shall be valid unless authorised by Us and such approval is endorsed on this Policy.”
However, this has never been done before. What has happened a few times over the past few years have been medical repricings (premium increases). I hope this clarifies things.
Bahasa Malaysia
Anda mungkin telah membaca artikel CodeBlue mengenai copayment atau melihatnya di media sosial. Sekiranya anda tertanya sama ada pelan sedia ada anda terjejas oleh perkara ini, jawapannya adalah tidak. Kenyataan dari Bank Negara:
- Berkuat kuasa 1 September 2024, penanggung insurans dan pengendali takaful (insurers and takaful operators, ITO) dikehendaki menawarkan pilihan kepada pengguna untuk membeli produk MHIT yang mempunyai ciri-ciri pembayaran bersama.
- Pengguna yang telah membeli produk MHIT tanpa ciri-ciri pembayaran bersama boleh mengekalkan produk MHIT sedia ada mereka.
- ITO juga boleh terus menawarkan produk MHIT tanpa ciri-ciri pembayaran bersama kepada pengguna baharu.
Rujukan: Bank Negara Malaysia
Di AIA, pelan baru kami kini mempunyai deductible. Setakat ini, polisi sedia ada tidak terjejas. Secara teori, ya, terma polisi boleh dipinda berdasarkan apa yang dinyatakan dalam kontrak:
“We reserve the right to amend the terms and provisions of this Policy by giving three (3) months prior notice in writing, and such amendment will be applicable from the next renewal of this Policy. No alteration to this Policy shall be valid unless authorized by Us and such approval is endorsed on this Policy.”
Walau bagaimanapun, ini tidak pernah dilakukan sebelum ini. Apa yang telah berlaku beberapa kali sejak beberapa tahun kebelakangan ini adalah penetapan semula harga perubatan (peningkatan caruman).