Archive for June, 2009
Expatriate Insurance in Malaysia | World Coverage Health Insurance
ING I.ExpatCARE Insurance in Malaysia
ING I.ExpatCARE insurance is a yearly renewable international healthcare product, offering in-patient and out-patient care as well as extra benefits inclusive of physiotherapy, preventive care, wellness benefits and maternity care, both to individuals and corporations.
I.ExpatCARE Individual
The I.ExpatCARE is offered to Malaysians and permanent residents of Malaysia (based on the Inland Revenue of Malaysia’s Guidelines) as well as full time foreign employees of a company incorporated in Malaysia.
Individuals aged between eighteen (18) years to fifty nine (59) years (to the nearest birthday) are eligible to apply for the I.ExpatCARE together with their legally married spouse and unmarried children (aged thirty (30) days to nineteen (19) years or twenty three (23) years, if still pursuing higher education and is not gainfully employed).
I.ExpatCARE Corporate Company
The I.ExpatCARE Corporate is open to Malaysian employers (company incorporated in Malaysia) to cover their
Expatriated Malaysian employees (and dependents) on foreign assignment outside Malaysia
Non-Malaysian full time employees (and dependents)
All current and future full time employees aged eighteen (18) years to fifty nine (59) years (to the nearest birthday) are eligible to apply for the I.ExpatCARE Corporate. The legally married spouse of the Insured Employee and their unmarried children (aged thirty (30) days to nineteen (19) years or twenty three (23) years, if still pursuing higher education and is not gainfully employed) are also eligible for coverage.
Features
Comprehensive Medical Coverage
In-patient Care
The I.ExpatCARE provides in-patient care coverage for admission to a hospital, which includes room & board charges, doctor’s fees (surgeon & anaesthetist’s fees), medical facilities charges as well as special cancer treatment, kidney dialysis and organ transplant charges.
Out-patient Care
Benefits here include consultation fees for a General Practitioner or Specialist for common sickness, bodily injuries, diagnostic tests and medication. Out-patient cancer treatment, kidney dialysis and day care surgery are also part of this benefit.
Extra Benefits
In addition to the above, the I.ExpatCARE includes benefits such as physiotherapy, medical aids (hearing aids, orthopaedic appliances etc.) and treatments performed by complementary medical practitioners (chiropractor, osteopath, acupuncturist and homeopath) that have been prescribed by a doctor. Maternity coverage (except Elective Caesarean Surgery) is also included.
Geographical Coverage
The I.ExpatCARE offers you a choice between three (3) geographic areas of cover
Worldwide cover (Zone A)
Worldwide cover excluding United States of America (USA) and Canada (Zone B)
Worldwide cover excluding USA, Canada, Switzerland, European Union, Japan, Hong Kong and Singapore (Zone C)
However, during business trips or holidays not exceeding ninety (90) days, medical expenses incurred in the excluded countries as a consequence of an accident or a medical emergency will be covered up to the limits of the plan purchased. If the medical condition concerned already existed prior to travel to the excluded countries, then the medical expenses related to that medical condition are not covered.
Choice of Plan
I.ExpatCARE offers you five (5) attractive plans designed to suit your budget and healthcare needs.
Fantastic Coverage
The I.ExpatCARE provides you insurance coverage ranging from RM 950 000 (approximately USD 250 000*) to RM 14 250 000 (approximately USD 3 750 000*) per annum. This rich coverage promises you accessibility to quality medical care overseas. Simply a fantastic deal !
* Converted at a fixed rate of USD 1.00 = RM 3.80
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Questions & Answer Regarding ING Medical Insurance- PART 2
FAQ on IHP Cashless Admission Claims
Q. Can the ING Medical Card be used for pre and post consultation?
A. The ING Medical Card is only used for cashless admission to hospital for In-Hospitalization Treatment and Daycare Surgery only.
Q. Does IHP guarantee payment of ALL hospital charges incurred by the policyholder?
A. IHP covers most of the hospital charges inclusive of meals, laundry and lodger (which would be incorporated into the Room and Board limit), service tax and hospital administrative fees. Other charges that are non-medical related such as telephone bill, television, newspaper, and so on are not covered. Any excess charges must be paid by the policyholder upon discharge.
Q. Can the policyholder seek treatment at non-panel hospitals and is the cashless facility still applicable?
A. Policyholder can seek treatment at all non-panel hospitals including government hospitals in Malaysia. In order to enjoy the cashless admission facility, policyholder must call International Medical Assistance (IMA) 24-hours hotline at 03-7665 2550 or 03-7954 4717 before admission, to make arrangement for deposit free admission. The policyholder must settle all bills upon discharge. Claim can be submitted for reimbursement.
Q. What does a policyholder need to do if the ING Medical Card is lost, stolen or damaged?
A. Please call our customer service centre toll-free line: 1-800-88-0303 during office hours for a replacement of card. A replacement card fee of RM10.00 will be levied.
Q. For admission into a non-panel hospital (emergency and non-emergency), should the policyholder call ING’s toll free number at 1-800-88-0303?
A. No.Instead, the policyholder must call International Medical Assistance (IMA) 24-hours hotline at 03-7665 2550 or 03-7954 4717 before admission, to make arrangement for deposit free admission. The policyholder must settle all bills upon discharge. Claim can be submitted for reimbursement.
Q. For admission to panel hospital, what if the policyholder forgets to bring identity card or birth certificate for verification?
A. Although most hospitals would not deny admission for this reason, the cashless facility cannot be ensured if there is no document presented for verification at time of admission. Depending on each hospital’s policy and practice, customer may be required to pay for the deposit.
Q. Upon discharge, what happens if charges exceed the IHP plan’s limit?
A. At time of discharge, hospital will require customer to pay any charges not covered under the plan and charges in excess of the available limit.
Q. What happens if the charges exceed the yearly limit?
A. The hospital will inform the policyholder before admission, that charges in excess of the available limit must be paid by the policyholder upon discharge.
Q. If the customer has claimed his maximum yearly limit already and he wants to be admitted again within the same year, will the hospital accept his admission?
A. Admission will be at customer’s own expense and without cashless facility.
Q. Will the hospital know that the customer has exceeded his annual/life time limit?
A. Yes
Q. For admission to non-panel hospital, who will fax the guarantee letter and to whom?
A. Asia Assistance, service provider for the International Medical Assistance will fax to the hospital. This is only a guarantee admission letter. Upon discharge, the customer needs to pay the bills and submit necessary claims to ING later.
Q. Can Customer seek treatment from non-panel specialist?
A. The cashless admission facility is not available for treatment sought from non-panel specialist. Customer has to self-pay and then file in reimbursement claim.
Q. What are the causes that resulted in the Customer having to settle the full hospital bill?
A. There could be many reasons when the cashless facility is denied and customer has to settle the bill but the common ones are:
Conditions/tests not resulting in a diagnosis Query as to whether condition warrant in-hospital treatment
Insufficient information provided by doctor or hospital
Insufficient time to establish eligibility of claim when hospital fail to adhere to procedure timeline
Q. Do all IHP panel hospitals admit cardholders without the need for any deposit?
A. Currently most IHP panel hospitals are accepting the IHP cards without any hassle. However there are the few that still require a minimum deposit amount to be paid.
Contact Us +6012 233 8369
Joining ING As Part Time Insurance Agent
Joining ING - insured-life.com
As Full/Part Time Agent
We are looking for sales-oriented individuals who are eager and more than ready to face the challenging but surely rewarding career in Financial Services Industries. Our program involves mostly less in theory but more emphasis to the on-the-job training for you to eventually be independent enough to develop your own team in Mortgage Advisory and comprehensive Financial Planning services (inclusive Mortgage Loan, Property Insurance and others).
Requirements:
1. Candidate must possess at least a Higher Secondary/Diploma/Bachelor’s Degree in any field.
2. At least 2 year(s) of working experience in sales-related field is required for this position.
3. Preferably Senior Executives specializing in Banking/Financial Services or equivalent.
4. Applicants should be Malaysian citizens or hold relevant residence status.
5. Have own transpotation & independant
Income from Home Loan Refinance Business
Senario A Loan + MRTA + Fire Insurance
Loan Amount 200,000 each
Propoerty Value 250,000 each
Average Applicant age of 35
Submit 10 case a month
Total 2,000,000 per month
The income will be approximately at RM15,000
Senario B Loan + MLTA + Fire Insurance
Loan Amount 200,000 each
Propoerty Value 250,000 each
Average Applicant age of 35
Submit 10 case a month
Total 2,000,000 per month
The income will be approximately at RM25,000