December 27, 2011

AXA Affin Medical Care Plus Schedule of Benefits & Premium Table

Medical Care Plus from AXA Affin Life Insurance is a comprehensive medical rider that is designed to cover the cost of hospitalisation and surgical up to age 81 years old. AXA Affin Medical Care Plus medical rider can be purchased either attached to a level term insurance that last until 80 years old (T80) or as a non par medical rider attachable to investment-linked Life plan.

The unique features and advantages of AXA Affin Medical Care Plus medical plan is listed as below:
  1. Guaranteed renewal
  2. No co-insurance.
  3. No lifetime limit, except for those coverage listed in the Section C of Schedule of Benefits below.
  4. High annual limit, up to RM500,000.
  5. A good list of panel hospitals, at least comparable to those from leading insurance companies.
The disadvantages of AXA Affin Medical Care Plus medical plan is listed as below:
  1. Limited coverage for out-patient cancer treatment and kidney dialysis. For higher coverage of cancer and kidney dialysis treatment, check out this medical plan.
  2. Relatively higher annual premium as compared to competitors.
  3. Pre-existing illness are excluded. Some competitor medical cards include pre-existing illness with a loading (typically 60 - 150%).
In the sections below, you will find the schedule of benefits, and premium table for stand alone medical card. You will need to refer to your AXA Affin Life Insurance agent to get the proper quotation for Medical Care Plus rider (attached to investment-linked life policy). There are four medical plans to choose from, depending on the overall annual limit.

AXA Affin Medical Care Plus Schedule of Benefits

AXA Affin Medical Care Plus Schedule of Benefits


AXA Affin Medical Care Plus Premium Table

AXA Affin Medical Care Plus Premium Table

 

To view the comparison of this medical plan with other leading medical cards in the market, please visit this article.

Disclaimer: The information published is for your reference only. Please refer to your insurance agent for the most up to date information.

6 comments:

axa.wksoo said...

A very good analysis.....

jutamind said...

thanks for reading the article. hope you can share more info for the good of the consumers out there looking for medical plan.

Anonymous said...

What do you think about the:
1) Physician fees, one visit per day.
2) Specialist fees, one visit per day.
Normally there will be two visit per day, once in the morning and once in the evening. Do u think there will be any problem with this? (means that we will have to bear the cost for the additional visit)? tq.

jutamind said...

It is quite normal practice for the specialist to visit the patient twice a day. So, if you take up this policy, it is quite likely that you have to fork out your own money for the 2nd visit per day.

Anonymous said...

Hi,

I hv no idea on medical card before until i read your blog. Very informative!

Which medical card that you will recommend out of all the medical cards mentioned in your blog. My preference will be higher R&B, medical & surgical, no co-insurance. Basically, the medical card will take care of the hospital bills in the event unforeseen happened.

Thanks....Shah

jutamind said...

Hi Shah,

As I've always mentioned, there is no best medical card, but the most suitable for you within your budget.

You might want to read on my other article on medical card comparisons and draw your own conclusion:

http://senseofmoney.blogspot.com/2011/04/comparison-of-medical-cards-from.html

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