Did you know that heart disease is the leading cause of death in Malaysia? In 2022, it caused 16.1% of deaths, as reported by the The Department of Statistics Malaysia (DOSM). Imagine if we could reduce these deaths by focusing on a few key health issues. This could greatly improve our lives and our healthcare in Malaysia. In this article, we’ll explore the top 3 major health threats in Malaysia, how they affect people, and what we can do to prevent them.

1. Heart disease

Heart disease, especially Ischaemic heart disease, is a major health issue in Malaysia, with 20,322 deaths in 2022. This condition occurs when the heart doesn’t get enough oxygen due to blocked blood vessels, often leading to heart attacks. Many Malaysians are at risk due to unhealthy eating habits, such as high consumption of fat, sugar, and processed foods, and the rising popularity of fast food. The problem is worsened by a lack of exercise, particularly in cities where inactivity is common. Smoking also contributes by damaging blood vessels and causing blockages. Additionally, common conditions like diabetes and high blood pressure increase the risk of heart disease. Promoting a healthy lifestyle, including better diet and regular exercise, is crucial for reducing the impact of heart disease in Malaysia.

Top Action to Take: Adopt a Healthy Lifestyle

• Diet: Eat a balanced diet rich in fruits, vegetables, whole grains, lean proteins, and healthy fats.
• Exercise: Engage in regular physical activity, such as brisk walking or cycling, for at least 150 minutes a week, as recommended by World Health Organization (Source: WHO Guidelines on Physical Activity)
• Avoid Smoking and Excessive Alcohol: These habits increase the risk of heart disease significantly.

2. Lung infections (Lower respiratory infections)

The second highest cause of death in Malaysia (13.3%) is lower respiratory infections, like bronchitis and pneumonia, which affect the lungs and airways. These infections occur when harmful germs enter the lungs, causing symptoms like a persistent cough, chest pain, shortness of breath, wheezing, and sometimes fever. Bronchitis inflames the airways and usually involves a cough with mucus, while pneumonia is more serious, filling the lungs’ air sacs with fluid or pus, making it hard to breathe. In Malaysia, lower respiratory infections are a significant health concern, especially during the rainy season when people are more likely to catch colds and flu, which can lead to these infections. Children, older adults, and people with chronic health conditions like asthma, diabetes, or heart disease are particularly at risk.

Top Action to Take: Consider Vaccination

• Vaccination: Get your annual flu vaccine to significantly reduce the risk of lower respiratory infections.
• Good hygiene: Practice good hygiene, such as washing hands regularly and covering the mouth when coughing or sneezing.
• Healthy lifestyle: Avoid smoking, and maintain a healthy lifestyle to boost your immune system and reduce the risk of respiratory infections.

3. Stroke

Strokes are the third leading cause of death in Malaysia, making up 7.2% of deaths in 2022. These conditions occur when blood flow to a part of the brain is blocked or reduced, depriving brain tissue of oxygen and nutrients. This can quickly lead to brain cell death and damage. Strokes can cause long-term disabilities, affecting movement, speech, and memory, and severely impact quality of life. In Malaysia, strokes are becoming more common due to high blood pressure, diabetes, smoking, and unhealthy lifestyles. Recognizing the signs of a stroke and seeking immediate medical help are crucial to minimizing damage and improving recovery. Preventive measures, such as controlling blood pressure, managing diabetes, quitting smoking, and adopting a healthier lifestyle, are key to reducing the impact of strokes and improving overall health.

Top Action to Take: Manage Blood Pressure

• Blood Pressure Control: Regularly monitor and manage your blood pressure through medication, diet, and lifestyle changes to prevent strokes.

• Healthy lifestyle: Maintain a healthy diet, exercise regularly, consume less sugar, avoid excessive alcohol, and quit smoking to further reduce stroke risk.

Top 3 causes of death and top preventive actions

Summary

In conclusion, heart disease, strokes, and lower respiratory infections are the top causes of death in Malaysian healthcare. These serious health issues lead to many deaths and long-term problems. They are often linked to unhealthy habits such as poor diet, lack of exercise, smoking, and not properly managing health conditions like high blood pressure and diabetes. To reduce these risks, you should eat healthier, exercise regularly, quit smoking, get vaccinated and be equipped with proper medical insurance. If you are not sure about choosing the right insurance, learn more about medical and health insurance in our article “Understanding Insurance: Medical and Health Insurance“. By making these changes, you can lower your chances of these major health problems and contribute to a healthier Malaysia.

Understanding Insurance: Medical and Health Insurance

Wondering which medical insurance you should get for your family? Look no further. We will show you why the new eMedic Plus plan from AXA is the best you can get for yourself and your family. You will now enjoy a SPECIAL DISCOUNT when you get AXA eMedic Plus plan for you and your family!

AXA’s medical insurance plan is called eMedic Plus. It is now also available as a family plan, with a greater yearly limit of up to RM150,000 and many other improved benefits.

You have 4 plans to choose from according to your needs:

• Plan 20: Yearly Limit of RM20,000 every year for hospitalisation

• Plan 50: Yearly Limit of RM50,000 every year for hospitalisation

• Plan 100: Yearly Limit of RM100,000 every year for hospitalisation

• Plan 150: Yearly Limit of RM150,000 every year for hospitalisation

The only difference between the plans is the Yearly Limit. The other coverage benefits are exactly the same for all plans. The Yearly Limit will reset every year no matter how much is used the previous year.

Example:

If you have an eMedic Plus plan with yearly limit of RM100,000 and have already use RM30,000 for medical bills in the year 2022, your yearly limit will reset back to RM100,000 in the year 2023. This process will continue every year until you are 80 years old, when your coverage ends.

The eMedic Plus plan is now available with many improved benefits.

• Get rewarded when you make no claims

  • If you make no claims for one year, you will be eligible for “No Claim Rewards” at the end of your insurance plan. The reward will be paid directly to you and not in any for of e-vouchers or cash vouchers.

• Covers clinic visits for certain situations

  • The eMedic Plus plan also covers clinic visits for some situations. For example:

    • if you have bodily injury resulting from an accident (up to 3 clinic visits)

    • if you are undergoing consultations or diagnostic procedures before hospitalisation for any kind of illness (up to 3 clinic visits)

  • The eMedic Plus plan does not cover clinic visits for any common sickness like fever, cough or cold.

• No medical checkup required before applying

  • No, medical checkup is not required when you buy the AXA eMedic plan. However, you have to answer a few health questions when purchasing online.

You will get 5% discount when you get the AXA eMedic Plus family plan. The eMedic Plus Family Plan allows you and your family members to be grouped together in a single medical insurance plan. You no longer have to purchase separate plans for your family members. The best part is, the family plan comes with a 5% DISCOUNT on total monthly payment!

Yes, you should definitely get the AXA eMedic plan for your family. Instead of separate plans and payments for each family member, you now have just one family package and monthly payment when you buy the AXA eMedic plus family plan. It’s easier to manage and even more affordable now since it comes with a 5% discount on your monthly payment.

Are you a small business owner who interact with many customers on a daily basis? If you are, you may be at risk of being infected by the COVID-19 virus. In this article, we will be introducing a new product called SOMPO CashNow from Berjaya Sompo that offers Covid -19 protection for small business owners. This is a new product from Berjaya Sompo who also offers MedicNow and MotorNow.

Although you are fully vaccinated, it does not guarantee that you will be protected forever. According to the Centers for Disease Control and Prevention (CDC), vaccines are not 100% effective at preventing COVID-19 infection. Some people who are fully vaccinated can still get infected. A COVID-19 infection of a fully vaccinated person is referred to as a “vaccine breakthrough infection”.

SOMPO CashNow is a personal accident introduced by Berjaya Sompo. This is a type of protection that pays you or your family money when a severe accident happens to you. In case of your death due to an accident, the insurance company will pay a sum of money to your family.

The special part about this protection is that you will also be covered if you get infected by COVID-19 or fall sick from any side effects due to the COVID-19 vaccination.

Regular employees have the benefit of getting paid even though they fall sick and are not able to work. This benefit is called “medical leave” where employers still have to pay their salary although they do not come to work due to falling sick.

However, entrepreneurs, shop owners and small business owners do not have this benefit. If they do not work for a day, they do not get any income for that specific day. There is no employer who will provide the medical leave benefit. Business owners are self-employed.

Therefore, to enjoy this same benefit, small business owners can buy SOMPO CashNow.

This product is for Malaysians who cannot afford to miss a single day at work.
More specifically:

• Entrepreneurs

• Shop/Stall Owners

• Small Business Owners

There are 3 plans to choose from and they offer different levels of Covid-19 protection for small business owners. On top of that, there are also different levels of other medical protection. The 3 plans are the Lite, Basic and Prime plan. Take a look below at the differences in all 3 plans.

1.LITE PLAN:

• COVID-19 Protection:

  • Get RM1,000 if:

    • You are admitted in a hospital due to COVID-19

    • You are admitted in a hospital due to vaccination side effects

  • Get RM100 per day if:

    • You are admitted in a hospital due to vaccination side effects

2. BASIC PLAN:

• COVID-19 Protection:

  • Get RM3,000 if:

    • You are admitted in a hospital due to COVID-19

    • You are admitted in a hospital due to vaccination side effects

  • Get RM100 per day if:

    • You are admitted in a hospital due to vaccination side effects

3. PRIME PLAN:

• COVID-19 Protection:

  • Get RM5,000 if:

    • You are admitted in a hospital due to COVID-19

    • You are admitted in a hospital due to vaccination side effects

  • Get RM100 per day if:

    • You are admitted in a hospital due to vaccination side effects

The price you pay depends on your age, the type of plan you choose and other additional charges. You can refer to the table below to get an estimated price based on your age.

Additional Charges include:

• Stamp Duty: Fixed price of RM10

• Sales & Service Tax (SST): 6% of Premium Price

We highly recommend to get the Prime plan as it is worth every single cent of your money. Here is what you will pay for the Prime plan without stamp duty and tax included.

If you are:

• 19 to 24 years old, you pay RM0.67 per day

• 25 to 29 years old, you pay RM0.68 per day

• 30 to 34 years old, you pay RM0.70 per day

• 35 to 39 years old, you pay RM0.79 per day

• 40 to 45 years old, you pay RM0.88 per day

For as cheap as RM0.67 and as expensive as RM0.88 per day, you can get up to RM5,000 if you get admitted to a hospital due to COVID-19 or RM100 per day if you get admitted to a hospital due to COVID-19 vaccination side effects.

Small business owners need to buy their own sick day protection, because they have no employer that provides paid medical leave. Berjaya SOMPO CashNow is a cheap Covid-19 protection specifically for small business owners against COVID-19 and other sickness starting at only RM0.67 a day for the Prime plan.

The current ongoing COVID-19 pandemic has made people everywhere realise that medical expenses are unpredictable. Medical treatment is expensive and this can cause financial burden and if you are not financially prepared for it. This is why you need medical insurance. Similar to the recent medical protection by AXA, now Berjaya Sompo is also offering a new medical insurance product called SOMPO MedicNow. You will be entitled for 15% discount on this medical insurance. Find out how in this article.

SOMPO MedicNow is a comprehensive health insurance policy which covers for hospitalisation & surgical expenses due to accident and illnesses. This product comes with a medical card facility for cashless hospital admission to Berjaya Sompo panel hospitals in Malaysia. The best part is, you get 15% discount on this medical insurance if you choose the deductible option (we will explain more later).

Malaysians who are age from 19 to 49 years old and policy is renewable up to age 69 years old.

There are 3 plans you can choose from. The Lite, Basic and Prime plan.
All 3 plans have different hospitalisation benefit and overall annual limit.

• Lite Plan
  • Room and Board: RM150 per day for 60 days maximum
  • Overall Annual Limit: RM30,000
• Basic Plan
  • Room and Board: RM200 per day for 90 days maximum
  • Overall Annual Limit: RM50,000
• Prime Plan
  • Room and Board: RM250 per day for 120 days maximum
  • Overall Annual Limit: RM100,000

As mentioned above, the main difference between the 3 plans are (overall annual limit) and (room and board). However, there are also other differences.

The most notable difference can be seen in the daily cash allowance. In the event that you are confined at a government hospital, you get no cash allowance on the Lite plan. Meanwhile, you get RM50 for 90 days if you choose the Basic plan and RM100 for 120 days if you choose the Prime plan.

Besides that, the deductible option is also lowest (RM1,500) on the Lite plan and highest (RM5,000) on the Prime plan. In any plan you get, we highly recommend you to choose the deductible option to enjoy the 15% discount.

The last difference is the coverage duration for Intensive Care Unit (ICU). In the event that you get admitted to the ICU, the Lite plan only covers up to 20 days, the Basic plan covers up to 25 days and the Prime plan covers up to 30 days.

You can refer to the table below to see the overall key differences.

To get the 15% discount you have to choose the deductible option before buying any SOMPO MedicNow plan. The deductible option is available for all 3 plans (Lite, Basic and Prime).

By choosing the deductible option, it means that you will pay a required amount per hospital admission before the insurance company covers for you. In return, you enjoy 15% discount when buying your plan. The required amount for deductible depends on which SOMPO MedicNow plan you choose.

• Lite plan: You pay RM1,500 per hospital admission

• Basic plan: You pay 2,500 per hospital admission

• Prime plan: You pay RM5,000 per hospital admission

Despite the key differences, there are many similarities between the 3 plans when it comes to benefits. The table below shows all the benefits that customers get to enjoy regardless of what plan they choose.

The total price you pay for this medical protection varies depending on your age, your chosen plan, and other requirements.

For example, a male customer who is 24 years old decides to buy the Lite Plan (with deductible option).
The price he has to pay are as below:

• Gross Premium: RM456.00

• Discount (15%): – RM68.40

• Stamp duty: RM10.00

• Total premium payable: RM397.60

You can find out how much SOMPO MedicNow cost for you based on your personal information. Click below to get a free price quotation.

In this article, we will discuss the difference between general insurance and life insurance. We will discuss on the types of general insurance and the types of life insurance. In addition, we will also discuss on who needs general insurance/life insurance and who does not need them. Insurance is essential for you to be able to focus on the important things in life since it provides financial protection for you and your family in the event of an unforeseen situation.

Find out which do you need? General insurance or life insurance?

Since it is almost impossible to live a risk-free life, insurance is there to protect you from these risks. Insurance can be divided into two categories: General and Life. General insurance protects your belongings from accident. It is also known as non-life insurance, because this insurance covers all the insurances that are not Life related.

In simple words, general insurance covers almost everything other than your life. Example of general insurances are:

• Motor insurance

• Fire insurance

• Home insurance

• Health insurance

• Travel insurance

• Accident insurance

You can choose the type of risks from which you would like to protect yourselves from by simply selecting the right policy with the features you need. General insurance policies usually provide coverage for about one year and premiums are paid on a one-time basis.

General insurance can give you protection in a variety of areas such as accident, fire, health, travel and others. If you have started working, you will be attracted to buy valuable items such as a car, house and vacations. If you do not earn much or do not have much savings, you cannot afford to lose the valuable items you have bought. This is when having general insurance will protect you. In other words, general insurance can protect you from risks that you cannot bear on your own.

Here are some examples of how general insurance can protect you and who should buy them:

Life is uncertain and any unpredictable event may occur at any moment. That is why life insurance is there to protect you and your family financially when bad events happen. Life insurance gives financial stability, aids in the repayment of debts, aids in covering living expenses, and aids in the payment of any medical or final expenditures. When you buy life insurance, you will set a fixed amount, for example RM100,000, that will be paid out to you or your family for the worst event. This is similar to car insurance were the sum insured is the value of your car. The sum insured is paid in full when your car is stolen. In life insurance, a stolen car is equal to death, where the sum insured is paid full to your family.

You normally will pay a regular monhtly amount for an agreed sum insured for your life insurance.

There are 7 types of life insurance. The table below shows the types of life insurance and their brief descriptions.

Although life insurance is a significant protection policy, not many people are aware of its importance. Individuals and families with no life insurance have no choice but to bare the high costs in case of an unfortunate event like accident, disabilities or death. According to OECD in 2019, 12 out of 100 people have life insurance in the US compared to only 5 out of 100 people having life insurance in Malaysia.

The main idea of life insurance is to provide financial assistance to you and your family in the event of an accident, disability or death. Life insurance will cover the high cost in the event of an unfortunate event that happens. If you are married and you support your family, we recommend for you to get life insurance. This is because, in the case that something unfortunate like an accident, disability or death happens to you, you and your family will receive financial aid.

Here is how life insurance can protect you and your family:

Accident:
If you have life insurance and get into an accident which causes severe injuries, the insurance company will pay you and your family the sum insured for your life insurance.

This financial aid can be used to spend on your medical treatment and buying the necessary medical equipment. In addition, it can also be used to cover for your family’s expenses (food, rent) while you are in the hospital.

Disability:
If you have life insurance and get into any disabilities due to an injury or accident, the insurance company will pay you and your family the sum insured for your life insurance.

This financial aid can be used to spend on your medical treatment, installing modifications to your home or car to accommodate your disability or hiring a full time house helper. In addition, it can also be used to cover for your family’s expenses (food, rent) while you are in the hospital.

Death:
If you have life insurance and have passed away, the insurance company will pay your family the sum insured for your life insurance.

This financial aid can be used to cover your family’s expenses when you are not around and help them get back on their feet financially.

General Insurance

Life Insurance

In case you are wondering where to get the best dental treatment in Malaysia, then this article is for you. Cavity issues such as toothaches, holes in your tooth, and sudden pains while chewing or drinking something sweet or cold is very painful and frustrating.

In order to help you decide which dental clinic to go to when in pain, we have created a list that ranks the top 10 dental clinics in Malaysia based on reviews provided by Malaysians who have experienced the clinics’ services. We combine different social media ratings such as Google Maps to create an overall rating. In addition, Dental Clinics with less than 100 reviews are not considered in the list, in order to ensure that enough opinions are available to make the rating worthwhile.

Top 10 Dental Clinics in Malaysia 2021/22

Related: Top 10 Private Hospitals In Malaysia 2021/22

1. Chuah Dental Clinic

2. Klinik Pergigian Dentabay Shah Alam

3. MyDental Taman Segar Cheras

4. Tiew Dental Bandar Baru Bangi

5. Klinik Pergigian Lee & Jay

6. Klinik Pergigian Dentabay Bangi

7. Tiew Dental Balakong

8. Tiew Dental Subang Perdana

9. Tiew Dental Semenyih

10. Tiew Dental Telok Panglima Garang

Summary – Top 10 Dental Clinics in Malaysia 2021 / 22

This ends the list of our top 10 Dental Clinics in Malaysia. Did we miss out on any clinics or do you have some feedback about our list? We love to hear from you. Leave us a comment below.

1. Chuah Dental Clinic
2. Klinik Pergigian Dentabay Shah Alam
3. MyDental Taman Segar Cheras
4. Tiew Dental Bandar Baru Bangi
5. Klinik Pergigian Lee & Jay
6. Klinik Pergigian Dentabay Bangi
7. Tiew Dental Balakong
8. Tiew Dental Subang Perdana
9. Tiew Dental Semenyih
10. Tiew Dental Telok Panglima Garang

How to buy the cheapest life insurance?

Talking about the cheaper hospitals in Malaysia, the government hospitals offer the cheapest medical treatments. This is because the public healthcare in Malaysia is subsidized by the government. However, private hospitals on the other hand are costlier than their counterpart simply because of the higher quality services they provide.

Moreover, this doesn’t imply that the services provided by the government hospitals are not of quality compared to its counterpart. But, services such as patient and customer care services are more satisfying in private hospitals.

However,  improvement in delivering better quality services has been on the rise in Malaysia’s government hospitals. Economically, demand will increase when costs are low.  In this case, there are always a huge number of patients in government hospitals to attend to. This makes it difficult to give special attention to patients in comparison to private hospitals.

Therefore, this write-up lists the top ten government hospitals in Malaysia based on reviews provided by Malaysians who have experienced the hospital services. We combine different social media ratings such as Google Maps to create an overall rating. In addition, Government hospitals with less than 40 reviews are not considered in the list, in order to ensure that enough opinions are available to make the rating worthwhile.

Ranking of Top 10 Government Hospitals in Malaysia

Related: Top Private Hospitals In Malaysia 2021/22

1. Queen Elizabeth Hospital

2. Hospital Wanita Dan Kanak-Kanak Sabah

3. Hospital Raja Perempuan Zainab II

4. Hospital Sultanah Nora Ismail

5. Hospital Sultan Abdul Halim

6. Hospital Sultanah Bahiyah

7. Hospital Kuala Lumpur

8. Hospital Taiping

9. Sultanah Fatimah Specialist Hospital

10. Hospital Sibu

Summary – Top 10 Government Hospitals in Malaysia 2021

This ends the list of our top 10 government hospitals list in Malaysia. Did we miss out on any hospitals or do you have some feedback about our list? We love to hear from you. Leave us a comment below.

1. Queen Elizabeth Hospital (Kota Kinabalu, Sabah)
2. Hospital Wanita Dan Kanak-Kanak Sabah
3. Hospital Raja Perempuan Zainab II
4. Hospital Sultanah Nora Ismail
5. Hospital Sultan Abdul Halim
6. Hospital Sultanah Bahiyah
7. Hospital Kuala Lumpur
8. Hospital Taiping
9. Sultanah Fatimah Specialist Hospital
10. Hospital Sibu

Other Articles

Which are the top 10 private hospitals in Malaysia (2018)?

Here is the Malaysian ranking of the Top Private Hospitals in 2021/22. Take a look at this list first before you decide to visit a private hospital in Malaysia.

Malaysia has over 130 government hospitals nationwide. You can find the complete list on the Official Portal Ministry of Health Malaysia. Private hospitals on the other hand form the private health care system and are owned and controlled by private investors. The quality and the services are generally higher than in government hospitals because the cost is paid by the patient or insurance company and not by the government. Malaysia has over 300 private hospitals nationwide.

Over the years, Malaysia’s Health Care System has significantly improved. This is thanks to the substantial support given by the government through investments in medical infrastructures alongside well-trained medical personnel. However, finding the best hospital can be difficult in Malaysia. Many people prefer a private hospital over a government hospital. Therefore, this article only considers the list of the top private hospitals in Malaysia 2021. The ranking was made possible with the help of social media ratings and reviews provided by individuals who have experienced the hospital services. Private hospitals with less than 100 reviews have not been included in the ranking to ensure that enough opinions are available to make the rating valuable.

Ranking of Top Private Hospitals in Malaysia

Related Post: Top 10 Government Hospitals In Malaysia

1. Putra Medical Centre – Alor Star

2. Pantai Hospital Ipoh

3. Columbia Asia Hospital – Klang

4. Perak Community Specialist Hospital

5. Sentosa Specialist Hospital

6. Gleneagles Hospital Kuala Lumpur

7. Assunta Hospital

8. Pantai Hospital Penang

9. Columbia Asia Hospital – Seremban

10. Columbia Asia Hospital – Taiping

Summary – Top 10 private hospitals in Malaysia

This ends the list of our top private hospitals in Malaysia. Did we miss out on any hospitals or do you have some feedback about our list? We love to hear from you. Leave us a comment below.

1. Putra Medical Centre – Alor Star

2. Pantai Hospital Ipoh

3. Columbia Asia Hospital – Klang

4. Perak Community Specialist Hospital

5. Sentosa Specialist Hospital

6. Gleneagles Hospital Kuala Lumpur

7. Assunta Hospital

8. Pantai Hospital Penang

9. Columbia Asia Hospital – Seremban

10. Columbia Asia Hospital – Taiping

How to buy the cheapest life insurance?

AXA AFFIN Life Insurance Berhad has once again launched another amazing AXA eMedic campaign for their customers. From now until 31st December 2021, AXA Care & Share campaign will be giving out Touch ‘N Go eWallet credits to their customers.

For every AXA eMedic purchase that your friend or family member makes using your special code, you will receive RM50 Touch ‘N Go eWallet credit while your friend or family member will receive RM20 Touch ‘N Go eWallet credit. On top of that, for every 5 successful referrals, customers will be rewarded with Touch ‘N Go eWallet credits worth one year’s premium for the AXA eMedic policy.

Participate in the AXA eMedic Campaign by purchasing an AXA eMedic policy. All you have to do is click on the button below.

Check your email for a unique code in the welcome email upon purchase of your AXA eMedic policy.

Share your AXA Care & Share unique code to your family & friends and encourage them to protect themselves too with an AXA eMedic policy.

Wait to be rewarded. You and your friend or family member will receive the Touch ‘N Go eWallet credit at least a month after the successful purchase.

• RM50 Touch ‘N Go eWallet credits when any of your friend or family member purchase an AXA eMedic policy using your unique code
• RM20 Touch ‘N Go eWallet credits for your friend or family member who purchased the AXA eMedic policy with your unique code
• One year’s premium* of  the AXA eMedic! Touch ‘N Go eWallet credits for every 5 successful referrals you get

*One year’s premium, calculated based on individual APE

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AXA AFFIN Medical Card Insurance Provides COVID-19 Financial Support

The recent rise in COVID-19 infections in Malaysia has made AXA AFFIN Life Insurance Berhad to extend its COVID-19 Complimentary Support Fund in order to satisfy the immediate needs of their customers.

This AXA Financial Support which was first offered in February 2021, has now been doubled to RM200,000, only for clients who have an AXA AFFIN medical coverage. Customers who are infected by COVID-19 or who have difficulties or any adverse side effects after receiving the COVID-19 vaccination will receive the fund at no additional cost.

The fund will be available until August 31, 2021, or until the funds are finished, whichever happens first. The main goal is to support AXA AFFIN Life Insurance clients’ health and well-being by offering this urgent relief program in the form of AXA financial support.

AXA provides COVID-19 financial support for their medical card holders as follows:

• RM2,000 if quarantined in government or private hospital for COVID-19
• RM1,000 if quarantined in government-designated quarantine centre* for COVID-19
• RM10,000 upon death due to COVID-19 (ends 30th June 2021)**
• RM3,000 for COVID-19 treatment in Intensive Care Unit (ICU) of Malaysian government and private hospital (benefit starts 4th June 2021 till end of program)

* Home quarantine or mandatory isolation order at home is excluded.
** Death within 90 days from the date of COVID-19 diagnosis. This benefit ends 30th June 2021.

AXA medical cards also cover COVID-19 vaccination* side effects as follows:

• Full cover if hospitalised for COVID-19 vaccination side effects**
• RM2,000 cash assistance for Stroke*** due to adverse side effects within 90 days of COVID-19 vaccination

* Applies only to those registered and/or vaccinated under the Ministry of Health, Malaysia vaccination programme and does not extend to those who opt for elective vaccinations from private clinics/hospitals. The vaccine must be administered in Malaysia.
** These side-effects must manifest within fourteen (14) days after the vaccine has been administered.
*** Death of brain tissue due to inadequate blood supply, bleeding within the skull or embolization from an extra cranial source resulting in permanent neurological deficit with persisting clinical symptoms. The diagnosis must be based on changes seen in a CT scan or MRI and certified by a neurologist.

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