April 16, 2012

Comparison of Medical Card Panel Hospital

Out of so many medical cards available in the market today, how do you select the most suitable medical plan for yourself? Apart from analyzing the coverage of the medical plans as listed in my Medical Card Comparison article, there are also many other aspects have to be checked carefully before you sign on the dot.

Based on excellent comment from Wi1s0n in my article mentioned above, one of the points that we have to consider is the list of panel hospitals that is covered by the medical plans. It is worth to note that even though a hospital is covered by a particular medical plan, it does not mean that the specialist that you are seeking medical advice from are approved by the insurance company. Therefore, it is advisable for you to get hold of the panel hospital list as well as the approved specialist list from your insurance agent.

Below is the list of panel hospitals in Kuala Lumpur and Selangor that is covered by each insurance company. One observation from the list below is that medical plans from general insurance companies typically has a larger network of panel hospitals. However, upon observations, some of the panel hospitals are considered minor/community hospitals.

Among the life insurance companies, medical plan from Allianz Life Insurance stands out for having a much larger hospital network as compared to its peers. If you compare the premium you paid for the medical coverage from this article, and combine with its larger hospital network, I would say the medical plan from Allianz Life Insurance is logically one of the medical plans/cards that you should put into your shortlist.

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

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