medical care plus slides
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Need a Medical Card , or for mre info on AXA Medical Card Call me now : Joakim Joseph Hp. : 6016 6606 301 email : [email protected]TRANSCRIPT
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Medical Care Plus
Version 1.0 Oct 2011
Critical Illness is getting
COMMON !
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In Malaysia...
Source: National Cancer Society Malaysia
1 out of 4can be expected to get
cancer in their lifetime
More than 40,000 new cancer
cases are reported annually !
Source: NST, 7 April 20063
Top 5 Cancers Affecting Malaysian
Source: National Cancer Society Malaysia
• Breast
• Colorectal (bowel)
• Lung
• Cervical
• Nasopharyngeal
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Source: National Cancer Registry, Ministry of Health Malaysia. Study period: 2003-2005
1 in 20A woman in Malaysia has
chance of getting
breast cancer
Chinese : 1 in 16 lifetime risk
Indian : 1 in 16 lifetime risk
Malay : 1 in 28 lifetime risk
Breast Cancer
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Source: Bernama, 6 April 2009
Colorectal Cancer,
also known as bowel cancer,
is the most common
malignancy affecting
Malaysian men.
Chinese had the highest incidence
followed by Malay and Indian.
Colorectal Cancer
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Kidney Disease A Silent Killer
The no. of kidney patient
was increasing by 2,500
new patients each year.
Source: Bernama, March 9, 2006 & Department of Nefrology
Source: National Renal Registry
Number of kidney patients
undergoing dialysis triples!The total no. of patients on dialysis had grown from 6,689 in 2000 to 21,159 in 2009.
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Diabetes
More young people, some as young as 7, are suffering from
Type 2 diabetes (T2D), a disease that generally hits those in their 50s.
Malaysia had the 4th highest no. of diabetes cases in Asia.
Source: The Stars, July 24, 20108
Diabetes Threat Bigger Than H1N1
Source: The Star, 15 Nov 2009, Malaysian Diabetes Association president Prof Dr Ikram Shah Ismail
Source: NST, 12 June 2006
A disease that lead to stroke and heart attack
where some 40% of those suffering
heart attacks were diabetic.
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Better technology,
new equipment and
techniques and new
drugs give chance to
higher survival rates if these illnesses were to
detect early.
However, the same also translates into higher costs. Drug companies, seeking to recoup their high research and investment costs as well as
make some profit for their shareholders, price their drugs accordingly.
Medical Enhancements Lead to Higher Costs
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Breast Cancer Mastectomy 20,000 – 30,000
Rectum Cancer Colon Operation 30,000 – 40,000
Cervix Cancer Hysterectomy 20,000 – 30,000
Colon Cancer Colon Operation 30,000 – 40,000
Cancer Radiotherapy 30,000 – 50,000 per cycle
Cancer Chemo 50,000 – 75,000 per cycle
Estimated Treatment Costs
Kidney Dialysis 2,500 – 4,000 per month
Angioplasty 20,000 (1 day stay. Cardiologist, procedure & equipment costs)
Heart Bypass 35,00011
Can You Afford to Fall Ill?Malaysia’s medical inflation rates for the past few years range
from 10% to 15% annually!
Medical Fee Today 20,000 20,000 20,000 20,000
Inflation Rate p.a. 10% 15% 10% 15%
After Year 10 10 20 20
Medical Fee Later 51,875 80,911 134,550 327,331
The already expensive yet
keep rising medical costs
will cause those who do not
prepare financially suffer
with the hospitalization fees.
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CI Claims hardly happen in Early pol.year?
Source : GenRe Dread Disease Survey 2000 - 2004
No Cause of Claim
1st
policy
year
2nd
policy
year
Total < 2
years
1 Cancer 9% 10% 19%
2 Heart Attack 7% 9% 16%
3 Coronary Artery
Bypass Surgery/
Other Serious
Coronary Disease
7% 9% 15%
4 Stroke 6% 9% 15%
5 Kidney Failure 7% 8% 15%
Total Top 5 8% 9% 17%
Male Female
No Cause of Claim
1st
policy
year
2nd
policy
year
Total < 2
years
1 Cancer 7% 9% 17%
2 Stroke 7% 9% 16%
3 Benign Brain
Tumour
8% 18% 26%
4 Kidney Failure 6% 8% 14%
5 Heart Attack 2% 11% 13%
Total Top 5 7% 9% 16%
MY, SG, HK13
I want continuous and
uninterrupted medical
care
Medical
Medical Care Plus Riderno lifetime limit on the
total amount that you claim#
Medical Medical Care
AXA Life Proudly Present...
Plus
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Medical Care
What can Plus
do for you?
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What Can
Medical Care Plus Do For You?
No lifetime limit on the total amount that you claim #
# except for Special Benefits
so that you can have
continuous & uninterrupted access
to the medical care you need
1
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What Can
Medical Care Plus Do For You?
Medical care up to age 81
so that you can have
medical care well into your
retirement years, the time you need it most !
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What Can
Medical Care Plus Do For You?
Cashless admission to a nationwide panel of hospitals
so that you can have
cashless admission & quick access
to medical care in a wide selection of private hospitals
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What Can
Medical Care Plus Do For You?
No co-insurance
Note: as long as you stay in Room & Board within your eligible benefit
burdened with partial payment
of medical bills
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so that you don’t have to be
High protection of up to RM 500,000 every year
What Can
Medical Care Plus Do For You?
so that you can seek
best possible treatment option and not let finances to be
an obstacle
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Full Benefit Schedule ... Con’tPlans Platinum Gold Silver Bronze
Overall Annual Limit *
(for Section A and Section B only)RM500,000 RM200,000 RM100,000 RM50,000
Section A In-patient & Daycare Surgical Procedure (per Disability)
Room & Board, daily maximum RM500 RM300 RM150 RM80
Room Category Basic SuiteStandard
Single Room
Double
Bedded Room
Four Bedded
Room
Total number of days 150 days 120 days 120 days 120 days
Intensive Care Unit, daily maximum
Total number of days
Full Reimbursement
60 days
Ambulance Charges Full Reimbursement RM350 RM350
Insured Child’s Daily Guardian Benefit
(for child below 15 years old, up to 60 days)Full Reimbursement Not Applicable
Prescription Drugs Full Reimbursement
Nursing, Theatre Consumables & other
Ancillary Charges
Full Reimbursement
(up to RM50 for medical report)
Surgeons’ Fees
(up to 31 days for pre-surgical assessment
and up to 31 days for post-surgery care) Full Reimbursement subject to
Overall Annual Limit provided the charges
are within the recommendations of the Malaysian Medical
Association Guidelines and Reasonable
and Customary charges.
Anaesthetist’s Fees
Diagnostic Procedures & Physiotherapy
Physician Fees, one visit per day
Specialist Fees, one visit per day
Operating Theatre Full Reimbursement
* Not subject to lifetime limit.21
Full Benefit Schedule ... Con’t
Plans Platinum Gold Silver Bronze
Section B Out-patient Treatment (per disability)
Consultation & Diagnostic Procedures
within 31 days before hospital confinementRM5,000 RM3,000 RM2,000 RM1,000
Post-Hospitalisation Care and Physiotherapy
Treatment within 60 days from hospital
discharge
RM10,000 RM6,000 RM4,000 RM2,000
Accident & Emergency Treatment within 14
days from the date of the accidentFull Reimbursement
Section C Special Benefits (additional limit on top of the Overall Annual Limit)
Home Nursing Care, up to 180 days, lifetime
maximumRM6,000 RM5,000 RM4,000 RM3,000
Out-patient Kidney Dialysis, lifetime
maximumRM190,000 RM150,000 RM110,000 RM20,000
Out-patient Cancer Treatment, lifetime
maximumRM310,000 RM240,000 RM170,000 RM20,000
International Emergency Medical
Evacuation and Repatriation, per annual
maximum
RM500,000 Not Applicable
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Medicare Care vs. Medical Care Plus
All other features & benefits, terms & conditions remain unchanged.
Medicare Care Medicare Care Plus
Platinum Gold Silver Bronze Platinum Gold Silver Bronze
Outpatient Treatment (per disability)
Post-Hospitalisation Care and Physiotherapy Treatment
5,000 3,000 2,000 1,000 10,000 6,000 4,000 2,000
within 31 days from hospital discharge
within 60 days from hospital discharge
Special Benefits
Outpatient Kidney Dialysis, lifetime maximum
60,000 40,000 20,000 20,000 190,000 150,000 110,000 20,000
Outpatient Cancer Dialysis, lifetime maximum
60,000 40,000 20,000 20,000 310,000 240,000 170,000 20,000
Home Nursing Care, up to 180 days, lifetime maximum Not applicable 6,000 5,000 4,000 3,000
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New Benefit - Home Nursing Care
Reimbursement of the Reasonable and Customary Charges
of full time services of a registered Nurse for services
rendered to the insured person who is Medically Necessary
and prescribed by the attending Physician or Surgeon for
the continued treatment at the Insured’s home of the specific
medical condition. The benefit is only payable after a
minimum of 3 days hospitalisation beginning within 7 days
of hospital discharge.
Home Nursing Care cover under this policy includes:
(a)Physical, occupational or speech therapies;
(b)Therapy, treatments for wound, respiratory, diabetes care,
colostomy care, tube feeding, injections and other medication
administration to the insured person in home
Custodial care, meals, general house keeping services,
companions and personal comfort item, or any services for
activities of daily living that are not medically necessary will
not be payable.
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The lifetime limits for Special Benefits (Home Nursing Care, Out-patient kidney dialysis, outpatient cancer treatment & International
Emergency Medical Evacuation and Repatration) are on top of the Overall Annual Limit.
Plans Platinum Gold Silver Bronze
Overall Annual Limit *
(Section A and Section B only) RM 500,000 RM 200,000 RM 100,000 RM 50,000
Home Nursing Care, up to
180 days, lifetime maximum RM 6,000 RM 5,000 RM 4,000 RM 3,000
Out-patient Kidney Dialysis,
lifetime maximum RM 190,000 RM 150,000 RM 110,000 RM 20,000
Out-patient Cancer
Treatment, lifetime maximum RM 310,000 RM 240,000 RM 170,000 RM 20,000
International Emergency
Medical Evacuation &
Repatriation,
per annual maximum
RM 500,000 Not Applicable
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Packaged Premium
Age 25 30 35 40 45 25 30 35 40 45
Death/TPD 5,000 5,000Medical Package Silver Gold
Overall Annual Limit
(Silver Plan) for In-
patient & Daycare
Surgical Procedure
and Outpatient
Treatment
100,000 200,000
Home Nursing Care
- lifetime maximum
4,000 5,000
Outpatient Kidney
Dialysis
- lifetime maximum
110,000 150,000
Outpatient Cancer
Treatment
- lifetime maximum.
170,000 240,000
Monthly Premium 61.58 66.65 71.28 84.97 109.72 84.24 91.85 98.67 115.86 145.42
Annual Premium 703.74 761.66 814.66 971.09 1,253.91 962.74 1,049.66 1,127.66 1,324.09 1,661.91
Male
A package of T80 + Medical Care Plus26
Packaged Premium
Age 25 30 35 40 45 25 30 35 40 45
Death/TPD 5,000 5,000Medical Package Silver Gold
Overall Annual Limit
(Silver Plan) for In-
patient & Daycare
Surgical Procedure
and Outpatient
Treatment
100,000 200,000
Home Nursing Care
- lifetime maximum
4,000 5,000
Outpatient Kidney
Dialysis
- lifetime maximum
110,000 150,000
Outpatient Cancer
Treatment
- lifetime maximum.
170,000 240,000
Monthly Premium 59.49 74.86 89.46 107.33 131.53 83.38 104.61 125.33 146.61 182.72
Annual Premium 679.86 855.57 1,022.37 1,226.57 1,503.17 952.86 1,195.57 1,432.37 1,675.57 2,088.17
Female
A package of T80 + Medical Care Plus27
Where Do You Typically
Spent Your Money?
Fast food for you and
your kids once a week
RM 200/mth
A relaxing massage
once a weekRM 230/mthFamily treat at restaurant
twice a month
RM 300/mth
Afternoon tea with
friends twice a month
RM 50/mth
A golf game per week
RM 400/mth
Gym membership
RM 150/mth
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Choices that you’ve made
Shape your life.
One of them is...
The choice to take care of
your health29
Let AXA takes care of your medical bills
while you focus on
recovering
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I want continuous and
uninterrupted medical
care
Medical
Medical Care Plus Riderno lifetime limit on the
total amount that you claim#
Medical Medical Care Plus1. No lifetime limit on the total
amount that you claim#
2. Medical care up to age 81
3. Cashless admission
4. No co-insurance
5. High protection of up to
RM500,000 every year
# except for Special Benefits
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Thank You
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