Why is Medical Card important for you?

Healthcare cost in Malaysia 2014 continue to increase as the prices of equipment and medical supplies cost increases, so is hospitalization fees charged by the doctors.

If you do not have your own medical card or you've been depending on your company for it's free medical card then it's time to get one for yourself.

Scenario 1: I have a company medical card card, I don't need to spend any additional cost for insurance.

This is a common misconception by a lot of people. They depend on free medical card provided by their company without any worries. However, like any companies out there, it might not last forever or you might not work there forever.

This is whereby when you move to a new company, it might not provide you the same medical benefits or some of them do not even have medical card issued to their staffs. Sometimes, when you had been diagnosed with some health symptoms, your insurance might be void by the company's insurance company.

Furthermore, having a company medical card would not give you a high claim amount and it's benefit might not be as good as having a personal medical card.

It is always better to have your personal medical card because wherever you are working in the future, the card's benefit will not be any lesser and the benefits remain the same throughout your lifetime. Furthermore, the benefit of having your own medical card is that you get to upgrade it anytime without having to gain advancement in your career to gain that benefit.

Scenario 2: I don't have a Medical Card but I don't need it because I'm healthy all these while

It's good that you've been taking care of your health cautiously all these while. However, having a medical card will assist you on a rainy day should you be down by a serious health problem such as dengue or maybe you were hospitalized for an accident.

Medical Card is whereby it will pay off all your hospital & doctor bills without having to fork out anything extra from your bank savings.

It is always advisable to get minimum a basic medical card especially in this increasing hospital bills to ensure that it will help you pay off some of the hospital bills.

Scenario 3: I don't really earn a lot every month, I can't afford even a basic medical card

It is even more important that you spend even that little money of yours to get a basic medical card.

Now why is that so?

Today if you're earning RM2,000/month and assuming you saved RM30,000 in fixed deposit.

Should you be hospitalized for Dengue out of the sudden, you are needed to be hospitalized and the minimum fee to be paid to the hospital is estimated RM25,000. You will need to fork out this amount of money from your fixed deposit. Imagine all your hard earn money that you've saved to buy a house or a car but was quickly taken away by such an event.

This is why, it is advisable to taken even a basic medical card which might only need RM150 from your savings and it will help you to pay off that RM25,000 hospital bill without touching your bank account.

If you are in need of an advise regards to medical card, feel free to contact 016 332 3290 *Keith Wong*