1. What is medical insurance?
Also known as health insurance, it is a type of insurance that provides financial protection and assistance in covering the costs of eligible medical expenses.
2. Why is medical insurance important?
Medical insurance provides financial protection by assisting the policyholder in reducing the financial burden resulting from the rising costs of medical expenses as well as facilitating access to a wide network of healthcare service providers. Medical insurance grants a peace of mind so that one can focus on maintaining one’s health and well-being without the constant worry of financial hardship in the event of a medical emergency.
3. Does Allianz offer specialised medical insurance for senior citizens in Malaysia?
Allianz Malaysia’s range of medical insurance plans is designed to provide coverage for all ages. The HealthInsured plan for example provides proactive medical protection for the insured person from as early as a preborn child (13 weeks to 36 weeks into pregnancy), with guaranteed renewable coverage up to 100 years old.
Our medical coverage and value-added services are tailored to be essential for all eligible individuals, including senior citizens in Malaysia.
4. Can I choose my preferred hospital for treatment?
With the Allianz medical card, by choosing a preferred hospital that is appointed as a preferred panel under
Allianz Malaysia, you will gain access to priority for hospital admission and all eligible hospital bills will be settled automatically upon discharge, subject to terms and conditions. Check out our
Allianz Locator to discover our comprehensive list of panel hospitals and clinics in every state in Malaysia.
5. Do Allianz medical insurance plans cover Total and Permanent Disability (TPD)?
Medical insurance focuses on providing comprehensive medical and health protection but does not include Total and Permanent Disability (TPD) coverage. To explore options available for TPD, please visit our
life insurance page.
6. What is the effective date of coverage once I sign up for a medical plan?
Please refer to the respective Allianz Malaysia medical plan product disclosure sheets or brochures for details on when the coverage starts after you sign up for a medical plan. An important tip: Look for the ‘Waiting Period’ of the respective insurance plan (if any) that relates to the effective date of coverage.
7. Are accidents covered under medical insurance plans?
Some Allianz Malaysia's range of medical insurance plans cover accidents, including accidental events and injuries within their respective scope of coverage.
8. Can Allianz medical insurance plans cover medical treatments that are conducted outside of Malaysia?
Allianz medical insurance plan such as the
MediAdvantage is an overseas medical plan add-on that complement to your existing hospitalisation and surgical coverage. They provide you with the option to seek overseas medical treatment that may otherwise be too costly.
9. Can personal medical insurance be cancelled at any time?
It is possible to cancel personal medical insurance within a certain period of time. However, by doing so you will lose the medical protection in the time of need. We encourage you to speak to any of our agents prior to doing so to explore any other available options.