ING Medical Insurance Up to Age 80 Health Insurance
ING Medical Health Insurance up to Age 80
Your healthcare needs fulfilled at affordable costs
With the escalating costs in today living, it is wise to take measures and exercise prudence in our spending. We are not spared when medical costs increase and we should not compromise on our health.
When an unforeseen event especially concerning health happens to you, your loved ones and friends are also affected. What you need most at this time is to concentrate on immediate treatment and recovery. Mounting hospital bills should be the least of your worries. As our population mortality rate improves, the plan coverage up to age 80 years ensures you receive quality healthcare during the time you need it most.
Attached to ING Prime Life Insurance, this rider covers hospitalisation and out-of-hospital expenses. If you opt for the cashless facility (using ING Medical Card at our panel hospitals), we will pay the medical bills according to the plan you have purchased, without you having to make payment first. For non-cashless facility, you settle the medical expenses first, and submit for reimbursement later.
Escalating costs? No worries, UL MediPlus will be there for you.
Benefits:
• No deductibles.
• Hospitalisation and surgical benefits
• Out-of hospital benefits
• Daily cash allowance if you’re hospitalized at a Malaysian government hospital
• 24 x 7 referral emergency assistance
• Included 60,000 basic life insurance & total permanent disability coverage
The above basic premium shown for Plan 1 which participate into unit link fund investment purposes.
| Schedule of Benefit |
IMPlus 1 (RM) |
IMPlus 2 (RM) |
IMPlus 3 (RM) |
| Hospitalisation & Surgical Expenses | |||
| a) Room & Board (daily limit) |
120 |
180 |
260 |
| b) Intensive Care Unit(Total period for Hospital Room & Board and intensive Care Unit up to a maximum of 60 days per disability) |
500 |
500 |
500 |
| c) Surgical Expenses(Surgical fees, Anaesthetist fee and Operating theatre charges) including post surgical care up to sixty (60) days from date of discharge) |
As charged subject to self-insured deductible |
||
| d) Hospital Expenses | |||
| e) Pre-Surgery/Medical Specialist ConsultationIncludes fees incurred for consultation within 31 days prior to hospital admission or Day Surgery | |||
| f) Pre-Surgery/Medical Diagnosis Test | |||
| g) Daily Cash Allowance at a Malaysian Government Hospital (per disability) |
50 |
50 |
50 |
| Out of Hospital Benefits |
|
||
| a) Day Surgery Benefits |
As charged subject to self-insured deductible |
||
| b) Emergency Accidental Outpatient Treatment - up to 31 days from the date of accident |
As charged |
||
| c) Post-Hospitalisation or Day Surgery Follow up- up to sixty (60) days from date of discharge or Day Surgery | |||
| d) Out- Patient Cancer Treatment | |||
| e) Out-Patient Kidney Dialysis Treatment | |||
| f) Home Nursing Care Limit per disability. Valid within 7 days from the date of hospital discharge, subject to a minimum of 3 days hospitalisation |
500 |
1,000 |
2,000 |
| Overall Annual Limit |
60,000 |
120,000 |
180,000 |
| Lifetime Limit |
180,000 |
360,000 |
540,000 |
**A deductible amount of RM50 is payable by the policyholder. This deduction is applicable per hospital admission/Day Surgery.
ING Panel Hospitals in Malaysia | Medical Card Panel Hospital
ING Panel Hospitals Malaysia
CASHLESS Medical Card Panel Hospitals
Below hospital listing is correct at the time of publishing. There are some specialists (doctors) within the appointed panel hospitals for ING Medical Plan policies who have no working relationship with ING whom we termed as non-panel doctors. It is important to note that the company will not provide Financial Guarantee (cashless facility) as security for payment of any hospital charges incurred for treatment by non-panel doctors. Customers who choose to be treated by a non-panel doctor will have to pay all charges in full and submit original bills and satisfactory proof to us for consideration of reimbursement claim of eligible expenses incurred.
UPDATED APPOINTED HOSPITAL
With effect from 1/12/2009
SriKota Specialist Medical Centre
Jalan Mohet 41000 Klang Tel no. : 03-3373 3636 Fax no. : 03-3373 6888
With effect from 1/12/2009
Pantai Hospital Batu Pahat
95, Jalan Bintang Satu 1, Taman Koperasi Bahagia, 83000 Batu Pahat Tel no. : 07-4338811 Fax no. : 07-4331881
With effect from 8/1/2010
Hospital Pakar Perdana
Lot PT 37 & 600, Seksyen 14, Jalan Bayam, 15200 Kota Bahru Kelantan , Tel no.: 09-7458000 , Fax no.: 09-7472877
Please note:-
a) Hospitals marked with **’s require a deposit for admission. The deposit is refundable upon discharge of patient. This list was last updated on Wednesday, December 31, 2008.
| Wilayah Persekutuan Kuala Lumpur | ||
| Damai Service Hospital115-119, Jalan Ipoh 51200 Kuala Lumpur Tel:+603-4043 4900 Fax:+603-4043 5399 |
Gleneagles Intan Medical Centre+282 & 286 Jalan Ampang 50450 Kuala Lumpur Tel:+603-42571300 Fax:+603-42579233 |
Hospital Pantai Indah Sdn Bhd Jalan Perubatan 1 Pandan Indah 55100 Kuala Lumpur Tel:+603 - 42892828 Fax:+603-42967406 |
Pantai Medical Centre **8, Jalan Bukit Pantai 59100 Kuala Lumpur Tel:+603-22825077 Fax:+603-22821557 |
Pusat Pakar Tawakal **194A-208A, Jalan Pahang, Setapak 53000 Kuala Lumpur Tel:+603-4023 3599 / 4023 7899 Fax:+603-4022 8063 |
Pusat Perubatan Pantai Cheras1 Jln 1/96A Taman Cheras Makmur 56100 KUALA LUMPUR Tel:+603-91322022 Fax:+603-91320732 |
| Sentosa Medical Centre36, Jalan Chemur,Kompleks Damai 50400 Kuala Lumpur Tel:+603-4043 7166 Fax:+603-4043 7761 |
Tung Shin Hospital +No. 102, Jalan Pudu 55100 Kuala Lumpur Tel:+603-2072 1655 Fax:+603-2070 0345 |
|
| Selangor | ||
Ampang Puteri **No. 1, Jalan Mamanda 9 Taman Dato Ahmad Razali 68000 Ampang Tel:+603-4270 2500 Fax:+603-4270 1712 |
Arunamari Specialist Medical Centre168, Jalan Batu Unjur 1, Bayu Perdana 41200 Klang Tel:+603-3324 3288Fax:+603-3324 3228 |
Assunta Hospital +Jalan Templer 46990 Petaling Jaya Tel:+603-7782 3433 Fax:+603-7781 4933 |
| Columbia Asia Medical Centre, PuchongNo. 1, Lebuh Puteri Bandar Puteri 47100 Puchong Tel:+603-80648688 Fax:+603-80648788 |
Damansara Specialist Hospital **119, Jalan 20/10 Damansara Utama 47400 Petaling Jaya Tel:+603-7722 2692 Fax:+603-7722 2617 |
Darul Ehsan Medical CentreNo. 32 & 34,Jalan Tengku Ampuan, Zabedah D/9D ,Seksyen 9,40100 Shah AlamTel:+603-5880 8868 Fax:+603-5880 4594 |
| Kajang Specialist Hospital Sdn BhdJalan Cheras Kajang 43000 Selangor Darul Ehsan Tel:+603-87692999 Fax:+603-87692808 |
Pantai Klang Specialist Medical Centre Sdn Bhd42 Persiaran Raja Muda Musa 41100 Klang Tel:+603-33725222 Fax:+603-33715705 |
Pusat Pakar Mata Centre For SightNo.1-1 Jalan SS23/15 Taman Sea 47400 Petaling Jaya |
Selangor Specialist Hospital Sdn Bhd **Lot 1, Jalan Singa 20/1, Section 20 40300 Shah Alam Tel:+603-5543 1111 Fax:+603-5540 3373 |
Sentosa Specialist Hospital(formerly known as Kamuning Medical Center) No 27-29 Lorong Temenggung 15A Off Jalan Sg Jati 41200 Klang Tel:+603- 51619232 / 51619252 Fax:+603- 51619280 |
Sime Darby Medical Centre Subang Jaya **(formerly known as Subang Jaya Medical Centre) 1 Jalan SS12/1A, 47500 Subang Jaya Tel:+603-5634 1212 Fax:+603-5630 6985 |
| Sime Darby Specialist Centre Megah(formerly known as Megah Medical Specialists) 79 Jalan SS23/15 Taman Sea 47400 Petaling Jaya Tel:+603-7803 1212 Fax:+603-7803 8090 |
Sunway Medical Centre +5, Jalan Lagoon Selatan Bandar Sunway 46150 Selangor Darul Ehsan Tel:+603-74919191 Fax:+603-74918181 |
|
| Sarawak | ||
Columbia Asia Medical Centre Miri **Lot 1035-1039, Jalan Bulan Sabit C.D.T. 15598009 Miri Tel:+6085-428 621 Fax:+6085-425 677 |
Kuching Specialist Hospital **Lot 10420, Block 11 Tabuan Stutong Commercial Centre Jalan Setia Raja 93350 Kuching Tel:+6082-365777 Fax:+6082-364666 |
Normah Medical CentreLot 937, Section 30 KTLD Jalan Tun Datuk Patinggi Hj Abdul Rahman Yaakob, Petra Jaya 93050 Kuching Tel:+6082-440 055 Fax:+6082-442 600 |
| Rejang Medical CentreLot 70 Pusat Pedada Jalan Pedada 96000 Sibu, Sarawak Tel:+6084-330733 Fax:+6084-327342 |
Timberland Medical CentreLot 5164-5165, Block 16 KCLD 2 1/2 Mile Jalan Rock 93250 Kuching |
|
| Sabah | ||
| Sabah Medical Centre Sdn BhdLorong Bersatu, Off Jalan Damai Luyang Kota Kinabalu 88300 Kota Kinabalu Tel:+6088-322 098 |
||
| Perak | ||
| Apollo Medical Centre271 Jalan Taming Sari 34000 Taiping Tel:+605-8056000 Fax:+605-8076000 |
Hospital Fatimah +1, Leboh Chew Peng Loon Jalan Dato?Lau Pak Khuan 31400 Ipoh Tel:+605-545 5713/ 5777 Fax:+605-547 7050 |
Hospital Pantai Puteri Ipoh **126 Jalan Tambun 31400 Ipoh Tel:+605-548 4333 Fax:+605-545 1163 |
Ipoh Specialist Hospital Sdn Bhd **26 Jalan Raja Dihilir 30350 Ipoh Tel:+605-240 8777 Fax:+605-254 1388 |
Kinta Medical CentreNo. 20 Jalan Chung Thye Pin 30250 Ipoh Tel:+605-254 2125 Fax:+605-254 3264 |
Perak Community Specialist Hospital277 Jalan Kampar 30250 Ipoh Tel:+605- 2545594 / 2548918 Fax:+605- 2554288 |
| Taiping Medical CentreNo. 45-49 Jalan Medan Taiping 2 Medan Taiping 34000 Taiping Tel:+605-807 1971Fax:+605-806 3713 |
||
| Penang | ||
Bagan Specialist Centre **Jalan Bagan 1 13400 Butterworth Tel:+604-3322800 Fax:+604-3334412 |
Gleneagles Medical Centre **No. 1, Jalan Pangkor 10050 Pulau Pinang Tel:+604-227 6111 Fax:+604- 226 2944 |
Hospital Lam Wah Ee **141 Jalan Tan Sri Teh Ewe Lim 11600 Penang Tel:+604-657 1888 Fax:+604-657 0940 |
| Hospital Pantai Mutiara Penang82 Jalan Tengah Bayan Baru 11900 Pulau Pinang Tel:+604-6433888 Fax:+604-6396558 |
Island Hospital308, Macalister Road 10450 Pulau Pinang Tel:+604-2288222 Fax:+604-2268517 |
Loh Guan Lye Specialist Centre +19 & 21, Logan Road 10400 Pulau Pinang Tel:+604-228 8501 Fax:+604-229 0287 |
Medicare Specialist Centre **565 Jalan Sungai Rambai 14000 Bukit Mertajam Tel:+604-538 7577 Fax:+604-538 7620 |
Penang Adventist Hospital **465 Jalan Burma 10350 Pulau Pinang Tel:+604-222 7200 Fax:+604-227 8512 |
Tanjung Medical Centre473, Jalan Burma 10350 Pulau Pinang Tel:+604-2262323 Fax:+604-2299008 |
| Pahang | ||
| Kuantan Medical Centre Sdn BhdNo. 1 Jalan Tun Ismail 925000 Kuantan Tel:+609-514 2828 Fax:+609-514 7688 |
Kuantan Specialist Hospital **No. 51 Jalan Alor Akar Taman Kuantan 25250 Kuantan Tel:+609-567 8588 Fax:+609-567 8098 |
|
| Negeri Sembilan | ||
Hospital Columbia Seremban **No. 292 Jalan Haruan 2 Oakland Commercial Park Seremban Tel:+606-601 1988 Fax:+606-601 1848 |
NS Chinese Maternity HospitalJalan Tun Dr Ismail 70200 Seremban Tel:+606-7622104,06-7620617,06-7630410 Fax:+606-7630105, 06-7630407 |
Seremban Specialist HospitalLot 6219 & 6220, Jalan Toman 1 Kemayan Square 70200 Seremban Tel:+606-7677800 Fax:+606-7675900 |
| Melaka | ||
Hospital Pantai Ayer Keroh **No. 2418-1, KM8 Lebuh Air Keroh 75450 Melaka Tel:+606-231 9999 Fax:+606-231 3299 |
Mahkota Medical Centre, Malacca +No. 3 Mahkota Melaka Jalan Merdeka 75000 Melaka Tel:+606-281 3333 Fax:+606-281 0560 |
Putra Specialist Hospital (Melaka) Sdn Bhd169 Jalan Bendahara 75100 Melaka Tel:+606-283 5888 Fax:+606-281 0518 |
| Kelantan | ||
| Kota Bharu Specialist Cent.PT. 179- 184, Jln Sultan Yahya Petra, Lundang 15200 Kota Bahru Tel:+609-7433399 , 09-7439999 Fax:+609-7433800 |
||
| Kedah | ||
Hospital Pantai Utara Sungai Petani **(formerly known as Strand Hospital & Retirement Home) 1 Persiaran Cempaka Bandar Amanjaya 08000 Sungei Petani Tel:+604-442 8888 Fax:+604-442 6805 |
Kedah Medical Centre175, Jalan Pumpong Mukim Alor Merah 05250 Alor Setar Tel:+604-730 8878 Fax:+604-733 2869 |
Metro Specialists **A7-A9, Jalan Kampung Baru 08000 Sungai Petani Tel:+604-423 8888 Fax:+604-423 8888 |
| Putra Medical CentreJalan Sekerat Off Jalan Putra 05100 Alor Setar Tel:+604-7342888 Fax:+604- 7348882 |
||
| Johor | ||
| Hospital PenawarNO. 17 (A-D) & 18 (A-D) Pusat Perniagaan 81700 Pasir Gudang Tel:+607-252 1800 Fax:+607-251 8199 |
Johor Specialist Hospital **39B Jalan Abdul Samad 80100 Johor Bahru Tel:+607-2253000 Fax:+607-224 8213 |
Kempas Medical CentreLot PTD 7522 Jalan Kempas Baru 81200 Johor Bahru Tel:+607-2368999 Fax:+607-2368222 |
Medical Specialist Center +Wisma Maria Jln Ngee heng 80100 Johor Bahru Tel:+607-224 3888 Fax:+607-223 6785 |
Pusat Pakar Kluang Utama S/BNo 1, Susur 1 Jalan Besar 86000 Kluang Tel:+607-7718999 Fax:+607-7728999 |
Puteri Specialist Hospital **33 Jln Tun Abdul Razak ( susur 5 ) 80000 Johor Bahru Tel:+607-223 3377 Fax:+607-223 8833 |
| Putra Specialist Hospital (Batu Pahat) Sdn BhdNo. 1, Jalan Peserai 83000 Batu Pahat Tel:+607-413 3333 Fax:+607-413 7333 |
||
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