Wednesday, April 12, 2017

Health Ministry hikes up hospital fees for foreigners up to 230pc - See more at:

KUALA LUMPUR, April 8 2017 ― Foreigners seeking medical treatment at government hospitals will be charged a far higher rate with immediate effect, the Ministry of Health (MOH) announced.

In a directive issued yesterday, the ministry said ward and surgery rates will be raised from between 130 and 230 per cent respectively, The Star reported today.
From now on, foreign patients will have to pay RM2,800 instead of RM1,200 for surgery.
Those who need inpatient treatment in second-class wards will have to pay a deposit of RM3,000, and RM5,000 for surgery. Formerly the rates were RM900 and RM1,500 respectively.
Foreign patients warded in the executive and first-class wards will have to pay RM7,000 and RM11,000 for surgery deposits, a staggering increase of RM4,900 and RM7,000 respectively.
The new rates will apply to both children and adults, except for fo­reigners holding permanent resident status.
Those married to locals and children with one local parent and is under 12 will also be exempted.
MOH deputy secretary-general Datuk Mohd Shafiq Abdullah said the new rates were aimed at cutting medical subsidies for foreigners.
Putrajaya first introduced separate rates for foreigners in January 2015 after it was revealed that they took up between 30 per cent and 40 per cent of the subsidy in medical treatment for Malaysians.
It also deci­ded that subsidy for foreigners would be gradually cut.
See more at:

Monday, December 5, 2016

Man's Greatest Asset

Man's Greatest Asset

People say money is not everything, but in reality, everything these days costs money. That is the fact. Things gets more and more expensive and the value of money that we have grew smaller each day. 

This is why in general most of us gets up in the morning and go to work, in pursuit of the income. That in turn helps to pay for the bills.

Life is a journey and everyone dreams of having a perfect life, starting from young we were raised to have a good education so that it may propel us to be a successful adult.

We would then find our soul mate and one day have kids of our own and hopefully one day retire comfortably. Everyone dream of having the perfection in life.

However, as we know, life is a journey, and one of the things that could happen to us is that we fall seriously ill or is involved in a major accident that causes Total & Permanent Disability (TPD).

Should that were to happened to us, it could robbed us of our greatest asset that we have. It is our ability to work to generate an income is in fact the greatest asset, not our car, not our house nor the amount of money in our bank.

Have you ever thought of how much you or your loved ones would need for the next 10 or 20 years if the TPD were to happened to you, yesterday?

We are the golden goose that lays the eggs (assets/house/car/investments/businesses). As such, doesn't it makes sense to 'protect' the most important assets that you have?

Monday, August 29, 2016

Retention of the Medical Records

Medical Records - KEEP THEM!

In many of the instances people tend to forget the details of their hospitalization and/or medical history, especially if the ailment being treated is minor and not life threatening.

Most of us don't even bother to keep these records as soon as the Doctor tells us that we have nothing to worry about or is being discharged with a clean bill.

This article purpose is to relay the importance of having a good record of our medical history.

This is because if we would like to get any insurance (or even upgrades on the current insurance plan), the insurer will want to know what risk they are up against and your hospitalization history is a material fact that needs to be declared.

Failure to declare material fact (during the insurance application or upgrade) may render the insurance policy null and void, thus resulting in having the claims rejected or deferred.

It is highly recommended to scan and keep records of the following documents in your computer or google drive / cloud.

1. Discharge Summary - which states the reason for the admission, date of admission, the doctor's name, the hospital that you went to, the types of medication given (if any), the recovery period and discharge date.

These information are vital during an insurance application/upgrade.

2. All Medical Records/Investigations done - for example the HPE report (histopathological examination) or blood test. These medical reports will need to be submitted to the insurer.

By doing the scan, you can also retrieve the information pertaining to your medical history if it is needed especially if you need to have a second opinion with another Doctor with regards to your medical condition.

Sunday, December 20, 2015

Dialysis subsidy drying up

KUALA LUMPUR: Thousands of kidney patients are facing a tough time as the Health Ministry has not approved subsidies for haemodialysis treatment thus far this year. Some are reported to have waited for as long as three years for the nod.

The number of approvals for the RM600 monthly subsidy began to decrease in 2011, and became minimal from mid-2012.

NGO-run haemodialysis centres said they were told by the Health Minitry to source for funds elsewhere as it was focusing on new patients.

They also said that some patients had waited for the subsidy approval for as long as three years, instead of the usual one to three months.

In Malaysia, the poor receive heavily subsidised dialysis treatment but due to the shortage of government-run centres many turned to those managed by non-profit NGOs.

Through these NGO-run centres they could apply for RM600 dialysis subsidy (RM50 per dialysis) per month and free injections.

A random check revealed that the National Kidney Foundation had 200 patients still waiting for subsidy, 50 patients in St John’s Pt Selangor in Klang, 40 in dialysis centres run by a religious body that declined to be named, 22 at Pontian Rotary Haemodialysis Centre, and five patients in KL Lions Renal Centre.

The actual number of the affected poor was not known but it could be in the thousands going by the estimated 5,000 new kidney patients diagnosed with end-stage kidney failure each year in the last three years.

Patients affected appear to be from NGO haemodialysis centres as those in private and government dialysis centres did not have to deal with subsidy applications.

According to the National Kidney Foundation, treatment for a patient who undergoes haemodialysis at an NGO or a private clinic costs between RM150 and RM250 per session.

The Malaysian Registry of Dialysis and Transplants said that as many as 7,088 (26.9%) end-stage renal failure patients had haemodialysis treatment at NGO centres out of 26,404 patients receiving dialysis treatment last year.

The remaining 13,159 patients (49.8%) sought treatment at private dialysis centres and 6,157 patients (23.3%) at public facilities under the Health Ministry, university hospitals and Defence Ministry hospitals.

A nurse who declined to be named said that Muslims had less issues with getting the subsidy as they could apply for aid from the Baitumal or zakat foundation.

Some NGO haemodialysis centres were not happy that the Government had pushed patients to them without providing the needed subsidy.

The halt in subsidy was also depleting the rolling fund of the centres since some NGOs help to pay for their patients’ dialysis treatments, a dialysis centre manager said.

“If they make it difficult for patients to get the subsidy, they should just get the patients to do it at government dialysis centres,” she said, adding that such centres were limited.

Thursday, October 15, 2015

Private hospitals unable to meet criteria imposed for organ transplants

PETALING JAYA: Malaysians hoping for an organ transplant find themselves having to go overseas because private hospitals here are struggling to meet the new criteria imposed by the Health Ministry (MOH) two years ago.
Several private hospitals used to do transplant surgeries until there was a death and the ministry shut down their operations.
A new requirement is a hospital must have a dedicated transplant team.
“A transplant procedure needs a complete team, not only of transplant surgeons, but of radiologists, pathologists, and anaesthetists to provide total continuum of care to the patient,” said Ministry deputy director-general Datuk Dr Jeyaindran Sinnadurai.
“The team must also work on a regular basis, with at least two people on the team at any given time, because imagine what would happen if there is only one surgeon, and he goes on leave after operating on a patient.
“What happens if the patient suddenly has post-surgery complications?” he asked.
But it does not make financial sense to a private hospital here to have such a team because the amount of work it gets does not justify it.
As a result, the number of patients seeking kidney transplants at teaching hospital Universiti Malaya Medical Centre (UMMC) has swelled.
Making the situation worse is the fact that Hospital Universiti Kebangsaan Malaysia (HUKM) stopped its transplant programme after its surgeon left.
Although government hospitals like Hospital Kuala Lumpur (HKL) and Selayang Hospital are able to do transplant work, much of the brunt of the MOH directive has apparently fallen on UMMC as transplants have either slowed down or ceased in HKL and Selayang a few months ago.
Dr Jeyaindran said the ministry was doing its part to reduce the long waiting list for transplants by collaborative partnerships with overseas institutions to train local talent.
“We are open to private hospitals taking up organ transplant procedures, but they must fulfil the minimum criteria which was drawn up two years ago by a team of experts.”
Transplant work started in 1999 in private hospitals such as Subang Jaya Medical Centre and Gleneagles followed by Prince Court Medical Centre in 2009.
Until the clampdown in 2012, private hospitals contributed up to 19% of kidney transplantation in Malaysia, with 17% from Prince Court. However, because of the new criteria for private hospitals, patients who have previously gone to private hospitals here are now seeking help in UMMC.
Those who have the means, go to Singapore where a kidney transplant costs between S$100,000 and S$200,000. The cost has increased as a result of the weak ringgit this year.
Another option is to buy a kidney and do the surgery in China or India, which costs between RM500,000 and RM600,000 now.
Those with a ready donor will try to avoid this illegal route. The World Health Organisation estimated in 2007 that 10% of organ transplants performed worldwide involved unacceptable activities that endangered the poorest and vulnerable groups

Monday, June 15, 2015

Types of Insurance in Malaysia

There are few types of insurance and each serves a different purpose. 

People buy insurance is for financial protection and for risk transference.

The risk transfer here means that by paying a fee to the insurer, the insurer in turn provides insurance cover for a particular event.

Basically the life insurance can be segmented to the life insurance, critical illness, medical insurance & accidental insurance.

Life insurance is meant to replace the income of the breadwinner of the family if sudden death were to occur.

Example if the family needs at least Rm5k per month to pay for bills, food, tuition fees, clothings, that translates to Rm60k per year or Rm600k for 10 years. 

This doesnt even take into account the education fees if he has a young 1 yo daughter nor does it take into account the inflation.

The purpose of the Critical Illness is to provide a lump sum of money if the person being covered is down with a critical illness.

Example Stroke, bedridden and unable to generate an income for the family.

This is even worse than death because on top of the daily family expenses, the family needs money for the medical bills.

This is where the medical insurance comes in. A 60 days ICU due to Stroke at a private hospital can costs Rm400k.

Of course the medical insurance is optional if you think the general hospital is goid enough for you. If you do buy the medical card, there is option to get treatment from second opinion. Choice is yours.

Accidental insurance pays in the event of death due to accident or lost of limbs die to accident. 

Example if a programmer lost both of his arms due to accident, will it impact his ability to generate an income?

Tuesday, June 9, 2015

MM2H Expats Insurance

Those whom are applying for the Malaysia My 2nd Home (MM2H) Program are required to purchase health insurance if they do not have a valid health insurance that works in Malaysia.

A valid health insurance in Malaysia provides hassle free admission to both the private and public hospital in times of medical emergencies.

Here are some of the general guidelines for people applying for Health Insurance:-

The Age of Applicant
The Malaysian health care insurance can only be purchased  by individuals whom are below the age of 70

If accepted, it is able to provide coverage until the age of 80, 90 or 100 (depending on the how long you plan to stay in Malaysia).

For the applicants whom are above the age of 70, your only option is to purchase International Insurance such as Bupa, Red Cross etc.

The Health of Applicant
a. Applications that can be approved - Healthy with no known pre-existing medical condition

b. Applications that may be considered - Borderline cases (Blood pressure, cholesterol, depending on the Doctor's findings) 

c. Applications that may be declined - Diabetic patients, Severe obesity, Cancer patient, kidney dialysis patient

To read the Frequently Asked Questions (FAQ) on the MM2H Insurance Application, please Click << HERE>>

The 'medical card' as term by locals will allow the insured to get treated at their panel clinic/hospitals in Malaysia based on the agreed amount being insured.

Whenever people shop for a medical card, mostly people are incline to only look at the cost and the coverage being offered while forgo some of the most important aspect, which is the policy contract. 

Do take the time to study the contract and in insurance, anything that sounds too flowery we need to raise our alarm to inquire more. One of the most important aspect is the renew-ability. For example, plans that are renewed annually vs life insurance with medical rider. 

Most of the plans that are annually renewed are port-folio renewal whilst plans with life insurance with medical riders. Under the port-folio renewal, if the claims are getting too excessive, it gives the insurer the right to remove the product from the market but they are required to honor the coverage until the end of the term (which is one year). 

Removing of a product from the market will means that should you need to get covered the next year, you will be subjected to undergo the health check as you are buying a new product. This is not a problem if we are still healthy, and if not the coverage may be declined.

Some insurer also have dodgy contracts with "Alteration Clause" whereby if the claims gets too much, it gives the insurer the right to change the benefit structures of the insurance plans by giving the client a 90 days written notice. Do look out for the word "Alteration Clause". Do not be surprise that it exists in some of the top insurer in Malaysia.

The Malaysian class health insurance policy does not cover dental (unless it was necessitated by an accidental injury)/cosmetic surgeries. This is across the board for all insurer in Malaysia as it is regulated by Bank Negara Malaysia.

The costs for dental is rather cheap though. Do read on the "Exclusions" of what is not covered which is available in most of the insurer's brochure. Pre-existing/congenital illness is not covered.

There is also a 30 days "Waiting Period" for common ailment like flu and fever. There after, there is also another 120 days for "Specified Illness". For accidental cases the coverage is immediate upon policy acceptance.

The last entry age for anyone to get health insurance (which is able to provide cover till the age 100) is before your age 70 next birthday. The most important factor that the insurer consider is the health status of the person being insured prior to approving of the insurance.

Of course in any insurance, you are required to declare albeit fully your health status, risks involve (for example smoker vs non-smoker), occupation (manual labor vs office desk job), any prior hospital admission/history, even family history. Failure to declare fully (especially on the health portion) may render the policy null and void. 

The bill will be paid directly from the insurance company to the hospital except for small hospital deposits, pre & post hospitalization and outpatient claims which is based on reimbursement basis.

Do note that as a foreigner your cover is only applicable in Malaysia. Treatment must be sought in Malaysia. Should you need to travel for a short duration, you'll need to get travel insurance with medical.

However, as a local buying a Malaysian class policy, coverage for overseas is also limited to 90 days. During that 90 days, they will have to pay and with the original receipt claim from the insurance company when they return to Malaysia. After the 90 days, they will have to get the treatment in Malaysia.