Life is full of uncertainty whereby anyone can be diagnosed with any disease/critical illness at any age. It sounds scary but it has become a norm in our society today. Although better medical facilities and treatments are available, they come with a heavy price and you wouldn’t want to be worry about the expensive medical bill when you are recovering. If you think you’re prepared, think again.
Lets look at the facts.
#1 Fact: Nearly half of all Malaysian cancer patients experience financial struggles a year after being diagnosed with cancer.
Source: The Asean Costs in Oncology (Action) study by Sydney-based George Institute for Global Health.
#2 Fact: The medical inflation rate, which is the increase of medical costs, is between 10% - 15% every year.
|Medical Treatment||Current Cost (RM)||Cost in 20 Years (RM)|
|Cataract||3,500 to 5,000||24,000 to 34,000|
|Heart Attack||10,000 to 30,000||67,000 to 202,000|
|Knee Replacement||15,000 to 40,000||101,000 to 270,000|
|Hip Replacement||18,000 to 50,000||121,000 to 336,000|
|Cancer||18,000 to 300,000||121,000 to 2,018,000|
|Stroke||35,000 to 75,000||235,000 to 505,000|
|Kidney Failure||150,000 and above||1,009,000 and above|
|(It serves only as a guide for healthcare costs from government as well as private hospitals. Conservative assumption: Healthcare inflation of 10% a year).
Source : Planning for healthcare costs in retirement, 2015, The Star
When we are sick, the last thing that we want to worry is the affordability of the special care that we need or becoming financially drained due to any medical treatment we might require. Life takes unexpected turns, always be prepared for the worst!
Consider Zurich MegaMed with High Annual Limit
Zurich MegaMed is a unit deducting rider that you can add on to your basic regular premium investment-linked plan for higher medical protection and total peace of mind. With Zurich MegaMed, you not only enjoy high Annual Limit – you also benefit from invaluable additional feature, including protection against dengue fever, and overseas hospitalisation coverage.
4 Available Options Catered for You
|PLANS||PLAN 1||PLAN 2||PLAN 3||PLAN 4|
|OVERALL LIMIT*||LIMIT (RM)|
|Overall Annual Limit||375,000||1,000,000||1,750,000||2,250,000|
|Overall Lifetime Limit||750,000||No limit|
|Daily Hospital Room & Board
(max. 200 days per annum)
*Out-Patient Dengue Fever Treatment and Emergency Assistance Programme are not included in the overall limit.
Protect yourself and your loved ones now and enjoy savings at FSM Insurance!