Medical Coverage Series Do you know that an operation that cost RM 50000 today would cost RM 202277 in 10 years time Medical Coverage Series That cost would eventually balloon up to ID: 435877
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Slide1
Can You Cope With The Rising Medical Costs?
Medical Coverage SeriesSlide2Slide3Slide4Slide5Slide6Slide7Slide8Slide9Slide10Slide11Slide12Slide13Slide14Slide15Slide16
Do you know that an operation that cost
RM 50,000
today, would cost
RM 202,277
in 10 years’ time?
Medical Coverage Series
That cost would eventually balloon
up to
RM 406,853
given another 5 more years!!Slide17Slide18
1
st
-Principle
All conversation & discussion shall remain
CONFIDENTIAL
.
SAC’s PrincipleSlide19
2
nd
-Principle
Will
NOT FORCE SELL
anything if it doesn’t suit the client’s needs.
SAC’s PrincipleSlide20
3
rd
-Principle
We ensure every
sen
work for client’s
BEST
BENEFITS
.
BENEFIT
METRE
PREMIUM
METRE
SAC’s PrincipleSlide21
Comparison Between Smart Medic (Old) and Smart Medic
Xtra
(New) and Smart Premier Health (Premier)
Medical Card
Smart Medic
Smart Medic
Xtra
(
Newest)
Smart Premier Health (
New)
Room / Board
200
200
180
Increase to the Initial Hospital Room and Board**
-
-
10% Increase every 3 policy years (max 100%) - if no claim
Intensive Care Unit
As charged
As charged
As
charged
Annual Limit*
120,000
(upgradable to get additional 10x)
120,000
(upgradable to get additional 10x)
100,000
Increase to the Initial Overall Annual Limit
12,000 increase every 3 policy years (if no claim)
12,000 increase every 3 policy years (if no claim)
10,000 increase every 3 policy years (if no claim)
Lifetime Limit*
1,200,000
(upgradable to unlimited)
1,200,000
(upgradable to unlimited)
2,000,000
Co-insurance
10% (Max RM500)
20% if upgrade R&B (Max RM3000)
No
NoSlide22
Comparison Between Smart Medic (Old) and Smart Medic
Xtra
(New) and Smart Premier Health (Premier)
Medical Card
Smart Medic
Smart Medic
Xtra
(
Newest)
Smart Premier Health (
New)
Room / Board
200
200
180
Increase to the Initial Hospital Room and Board**
-
-
10% Increase every 3 policy years (max 100%) - if no claim
Intensive Care Unit
As charged
As charged
As
charged
Annual Limit*
120,000
(upgradable to get additional 10x)
120,000
(upgradable to get additional 10x)
100,000
Increase to the Initial Overall Annual Limit
12,000 increase every 3 policy years (if no claim)
12,000 increase every 3 policy years (if no claim)
10,000 increase every 3 policy years (if no claim)
Lifetime Limit*
1,200,000
(upgradable to unlimited)
1,200,000
(upgradable to unlimited)
2,000,000
Co-insurance
10% (Max RM500)
20% if upgrade R&B (Max RM3000)
No
No
Pre-Hospital Diagnostic Tests
60 days
60 days
60 days
Pre-Hospital Specialist Consultation
60 days
60 days
60 days
Post-Hospitalisation Treatment*
90 Days
(upgradable to 180 days)
90 Days
(upgradable to 180 days)
180 days
Organ Transplant (Donor or Receiver - once per lifetime)
-
As charged
As
charged
Daily Guardian Benefit (Max 180 days)**
-
-
As
charged
Day Surgery
Subject 10% co-insurance
As charged
As
charged
Ambulance Fees
Subject 10% co-insurance
As charged
As
charged
Outpatient Cancer Treatment
Subject 10% co-insurance
As charged
As
charged
Outpatient Kidney Dialysis Treatment
Subject 10% co-insurance
As charged
As
charged
Outpatient Physiotherapy Treatment (181st - 360th day after hospital discharge)
-
-
As
charged
(Limit 8,000)
Emergency Accidental Outpatient Treatment
As
charged
(Limit 4,000)
As
charged
(Limit 4,000)
As
charged
(Limit 4,000)Slide23
Comparison Between Smart Medic (Old) and Smart Medic
Xtra
(New) and Smart Premier Health (Premier)
Medical Card
Smart Medic
Smart Medic
Xtra
(
Newest)
Smart Premier Health (
New)
Room / Board
200
200
180
Increase to the Initial Hospital Room and Board**
-
-
10% Increase every 3 policy years (max 100%) - if no claim
Intensive Care Unit
As charged
As charged
As
charged
Annual Limit*
120,000
(upgradable to get additional 10x)
120,000
(upgradable to get additional 10x)
100,000
Increase to the Initial Overall Annual Limit
12,000 increase every 3 policy years (if no claim)
12,000 increase every 3 policy years (if no claim)
10,000 increase every 3 policy years (if no claim)
Lifetime Limit*
1,200,000
(upgradable to unlimited)
1,200,000
(upgradable to unlimited)
2,000,000
Co-insurance
10% (Max RM500)
20% if upgrade R&B (Max RM3000)
No
No
Pre-Hospital Diagnostic Tests
60 days
60 days
60 days
Pre-Hospital Specialist Consultation
60 days
60 days
60 days
Post-Hospitalisation Treatment*
90 Days
(upgradable to 180 days)
90 Days
(upgradable to 180 days)
180 days
Organ Transplant (Donor or Receiver - once per lifetime)
-
As charged
As
charged
Daily Guardian Benefit (Max 180 days)**
-
-
As
charged
Day Surgery
Subject 10% co-insurance
As charged
As
charged
Ambulance Fees
Subject 10% co-insurance
As charged
As
charged
Outpatient Cancer Treatment
Subject 10% co-insurance
As charged
As
charged
Outpatient Kidney Dialysis Treatment
Subject 10% co-insurance
As charged
As
charged
Outpatient Physiotherapy Treatment (181st - 360th day after hospital discharge)
-
-
As
charged
(Limit 8,000)
Emergency Accidental Outpatient Treatment
As
charged
(Limit 4,000)
As
charged
(Limit 4,000)
As
charged
(Limit 4,000)
Home Nursing Care
-
-
4000 (Limit per confinement, max 180days per lifetime)
Daily-Cash Allowance at Malaysian Government Hospital**
50
(upgradable to RM 150)
50
(upgradable to RM 150)
180 (per day, Max 180 days per policy year)
Intraocular Lens
Up to 1000 per eye and max of 2000 per lifetime
Up to 1000 per eye and max of 2000 per lifetime
Accidental Death Benefit
15,000
15,000
30,000
Critical Surgery Recovery Benefit
-
-
20000 (per lifetime, 7-day survival)
Government Tax
-
-
Reimbursement
Medical Report
-
-
As
charged
(Max 150)
No Claim Discount
No
No
Yes (10%,15%,20%,25%)
Cover until
Age 80
Age 80
Age 80Slide24
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