Questions & Answer Regarding ING Medical Insurance- Part 1
FAQ on Medical Insurance / Health Insurance Plan
Q. What is your latest Medical/Health plan selling in the market??
A. ING Mediplus. It is compliant with Bank Negara JPI/GP116 Guidelines on Medical and Health Insurance Business (Revised) issued in August 2005.
Q. Can I still purchase the old medical plan?
A. No, as the old medical plan has been withdrawn and has been replaced with ING Mediplus.
Q. What are the annual limits for the Medical plans?
A. AHM / IHP / IMP (Non-Cashless) offers a choice of four (4) types of plan
Plan 1 covers up to Annual Limit of RM35,000
Plan 2 covers up to Annual Limit of RM70,000
Plan 3 covers up to Annual Limit of RM105,000
Plan 4 covers up to Annual Limit of RM140,000
Attained Age Group Revised Annual Limits
Plan 1 Plan 2 Plan 3 Plan 4
0 - 5 35k 70k 105k 140k
6 - 15 35k 70k 105k 140k
16 - 21 35k 70k 105k 140k
22 - 29 30k 60k 105k 140k
30 - 39 30k 60k 105k 140k
40 - 49 30k 60k 105k 140k
50 - 54 30k 60k 105k 140k
55 - 59 30k 60k 105k 140k
60 - 64 30k 60k 105k 140k
65 - 69 30k 60k 105k 140k
Important Notes:-
a. If higher annual limit is given earlier, it will not decrease the annual limit when the age falls under the non-impacted group later.
b. To quote the annual limit for the impacted plans based on the entry age
IMP II offers a choice of four (4) types of plan
Plan 1 covers up to Annual Limit of RM35,000
Plan 2 covers up to Annual Limit of RM70,000
Plan 3 covers up to Annual Limit of RM105,000
Plan 4 covers up to Annual Limit of RM140,000
Important Notes: -
a. If higher annual limit is given earlier, it will not decrease the annual limit when the age falls under the non-impacted group later.
b. To quote the annual limit for the impacted plans based on the entry age
IMPlus offers a choice of three (3) types of plan
Plan 1 covers up to Annual Limit of RM50,000
Plan 2 covers up to Annual Limit of RM100,000
Plan 3 covers up to Annual Limit of RM150,000
Important Notes :- Since this policy is a standalone medical plan it doesn’t require to purchase RM5000 Term@70)
Q. What is the difference between the cashless and non-cashless options?
A. There is no difference for the plan benefits except for the cashless facility i.e. ING Medical Card where authorized hospital bills are settled upon discharge. For non-cashless, you pay first and submit your claim to ING for reimbursement. The premium rates for non-cashless option are lower than the cashless option.
Q. What the differences between ING Medical Plan (IMP and IMP II) and the ING Health Plan (IHP)?
A. Total bill under ING Health Plan (IHP) is covered or reimbursed as per amount charged while ING Medical Plan customers need to pay RM50 out of the total bill. No changes in the coverage
Q. What are the differences between the IMP II and IMPlus?
A.
Feature & Benefit IMPlus IMP II
Room & Board Plan 1: 120 Plan 1: 100
ICU Plan 2: 180 Plan 2: 150
Plan 3: 260 Plan 3: 200
ICU: 300 Plan 4: 250
ICU: 250
Annual/Lifetime Limit Plan 1: 50K / 150K Plan 1: 35K / 105K
Plan 2: 100K / 300K Plan 2: 70K / 210K
Plan 3: 150K / 450K Plan 3: 105K / 315K
Plan 4: 140K / 420K
Government Hospital Govt. Daily Cash Hospital Cash
Allowance/ Hospital Allowance: RM50 Allowance: RM100 – RM500 (Lump-sum)
Cash Benefit
Specific Illnesses Waiting Period: 120 days
New Specific Illness:
Vertebro-spinal disorders and knee conditions
Removal of gastric or
duodenal ulcer Waiting Period: 12 months
Exclusions No major changes
Standalone Yes Rider
Not required to purchase Term Must attach with 5K Term @70
Premium Rates Different Rates for Male and Female Unisex
Q. Can I convert my policy from IMP11 to IMPlus or vice versa?
A. Conversion is not allowed.
Q. Why is the new hospital plan has a deductible feature where customer needs to pay certain amount of the medical bill?
A. This plan is in line with LIAM’s requirement to apply co-insurance and/or deductibles on all new Hospital & Surgical (H&S) insurance policies issued on and after 1st October 2003. Conjunction to act to the guideline, as of 15/1/2004, all IMP and IMP II plan will have self-insured deductible. AHM and IHP benefit will remain the same with no self-insured deductible. A deductible amount of RM50 is payable by the policyholder. This deduction is applicable per hospital admission / outpatient surgery and the same amount will apply for plans 1, 2, 3, or 4
Q. Instead of paying the RM50 upon discharged from the hospital or deducted during reimbursement, can I request to deduct the RM50 from the balance of my coverage?
A. No
Q. If I were to admit into a government hospital and by total bill is below RM100, will I still need to bear RM50 for the total bill or will I get reimburse in full?
A. Yes, the RM50 will still be deducted from the total bill.
Q. Upon claim, how will the RM50 being deducted?
A. For Cashless admission, the customer needs to pay RM50 upon discharged from the hospital. This is on top of any excess amount resulting from non-payable items reflected in the GL (Statement Of Approved Claim) under “Amount Not Approved” generated by Medilink.
For Non-Cashless, ING will reimburse the balance of the amount after deducting the RM50 from the total bill.
Q. Is this deductible feature applies for every admission or per disability?
A. Applies for all admission and day care surgery.
Q. Beside from the RM50 customer need to pay, is there any other charges the customer may need to bear?
A. No other charges except for any excess amount resulting from non-payable items reflected in the GL (Statement of Approved Claim) under “Amount Not Approved” generated by Medilink
Q. Is the amount deductible applies for both Cashless and Non-Cashless plans?
A. Yes applies for both Cashless and Non-Cashless plans
Q. What are the coverage provided within the 30 days?
A. Coverage provided within 30 days are:
Accidental Injury
Disease, illness disclosed in the proposal at time of application.
Acute condition at the discretion of the claims personnel
Example:
Dengue Fever
Food Poisoning/ Acute Gastro Entritis
Acute Appendicitis
Acute Gastroenteritis
Insect Bite
JE / Viral Infection - Example: Coxsackie
HFM Disease
Typhoid Fever / Dysentry (Intestine Infection)
Note: If the illness is disclosed but underwriter decided that the illness must be exclude from coverage then a special endorsement must be attachment to that effect
Q. Why am I no longer entitled for in-hospitalization visitation program?
A. The hospital visitation program was an initial promotional move when we first launched the health plan with the cashless facility and the company has decided to cease the visitation program effective March 1, 2003. However, for policyholder carrying Cashless Plan under Plan 3 & 4, you are still entitled for Get Well Gift program.
Q. Who is entitled for Get Well Gift Program?
A. All Cashless policyholder with plan 3 or 4 are entitled to Get Well Gift Program if the life insured admitted to the hospital.
Q. How can agents collect the Get Well Gift for their customers?
A. Below are the following procedures that apply with regard to the collection of the gift from any of ING main branches nationwide:-
After the policyholder is discharged, Citibank will forward the cash benefits cheque for agent to deliver to the customer. Together with the cheque is an attachment marked, “Please collect your get well gift from the branch” for agent to claim the gift.
Please collect the gift from any of our main branches within 1 month from the date of receipt of the cash benefits cheque failing which the gift offer shall lapse
You should be able to collect your gift within 3 working days upon presentation of the cash benefit slip. However, if the quantity to be collected is large or the gift is not in stock, please allow 3 weeks for stocks to be made available.
Agent will need to deliver the gift item to the policyholder and return the acknowledgement of receipt to the branch within 14 days of the delivery date.
Q. Who is Datalink?
A. MediLink is our systems and network provider for the automation of cashless facility in the hospitals.
Q. Who is Asia Assistance?
A. Asia Assistance is our service provider for the International Medical Assistance program. They also facilitate cashless admission to non-panel hospitals.