Guidelines to choose a Medical and Health Insurance

Choosing a health and medical insurance policies is not easy. It requires detailed knowledge about this.
Medical and health insurance policy is basically designed to cover the cost of medical treatment if you are diagnosed or accident insurance provided by the company.

Most medical and health insurance policies will cover: –

1. Hospital and surgical insurance due to illnesses that covered under the policy.
2. Insurance when you are diagnosed with any of the 36 critical illnesses that provides a lump sum benefit.
3. Income insurance due to disability that provides a continuous source of income when you are unable to work due to illness or injury.
4. Hospital income insurance where you are paid a certain sum of money on a daily, weekly or monthly subject to the insurance limit.

Before purchasing an insurance policy you must:

1. Compare the coverage, benefits, premiums and services available in the market.
2. Looking for a comprehensive policy for such better protection and worthable policy.
3. Knowing that either the insurance company, agent or broker has a valid license.
4. Knowing the information agent and the insurance company to allow you if there are questions, renew or claim policy.
5. Review the details and conditions of coverage and content policy contract.
6. Understand the terms used in the medical and health insurance policies.
7. Request notification of results of the application within 30 days from the date of application.

You should know that your policy is a valid contract in law. If you have questions about it call your insurance company and resolved during the 15 day period to decide.

If you would like to renew your policy, the insurance company reserves the right to renew the policy by: –
1. Equal Premium rate
2. Renew the policy with an increased premium
3. Refuse to renew a policy.
However, the insurer must give the reason why the option is taken

Cancel the policy

You may cancel your medical insurance policy and your health by giving notice in writing to the insurance company. For some types of medical insurance policies and certain health, you may be eligible for a refund of the premium, as long as you do not make a claim on the policy.
Terperincin information about the cancellation policy is available from the policy or contract of insurance company.


Like other insurance policies, medical and health policy also contains certain exceptions, such as: –
1. Conditions of pre-existing
2. Qualifying / waiting period are eligible to make a claim arising from any medical or physical conditions within 30 days of the cover except for accidental injuries.

– HMetro from Kuala Lumpur Consumer Safety Association (PKPL)

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