IS A MEDICAL CARD THE ONLY CARD WE NEED?

We can be admitted to a hospital due to a serious road accident besides a critical illness.

In the insurance market, there is no one medical card that guarantees policyholders an admission to all hospitals in Malaysia without a deposit. Hospital A is a panel hospital for insurance company X but it may not be a panel hospital for another insurance company Y. In other words, there is no one insurance company which has all the hospitals in Malaysia as its panel hospitals.

So, what are the possible solutions to encounter this situation?

We can buy more than one medical card from different insurance companies like AIA Berhad, ING Insurance Berhad, Prudential Assurance Malaysia Berhad and so on. All insurance companies have their own list of panel hospitals.

Besides that, we should bring alone several credit cards with a high card limit. Why? If all of our medical cards are not accepted by a hospital, we can still use our credit cards to settle our medical bills. After discharging from the hospital, we can claim our money from the insurance companies.

If we don't have medical card and credit card, what we can do is bring along a lot of cash. I personally think that this way is not a good solution as it is no longer safe in certain places in Malaysia if the world economy doesn't recover fast.