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Medical Care Plus

Version 1.0 Oct 2011

Critical Illness is getting

COMMON !

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In Malaysia...

Source: National Cancer Society Malaysia

1 out of 4can be expected to get

cancer in their lifetime

More than 40,000 new cancer

cases are reported annually !

Source: NST, 7 April 20063

Top 5 Cancers Affecting Malaysian

Source: National Cancer Society Malaysia

• Breast

• Colorectal (bowel)

• Lung

• Cervical

• Nasopharyngeal

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Source: National Cancer Registry, Ministry of Health Malaysia. Study period: 2003-2005

1 in 20A woman in Malaysia has

chance of getting

breast cancer

Chinese : 1 in 16 lifetime risk

Indian : 1 in 16 lifetime risk

Malay : 1 in 28 lifetime risk

Breast Cancer

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Source: Bernama, 6 April 2009

Colorectal Cancer,

also known as bowel cancer,

is the most common

malignancy affecting

Malaysian men.

Chinese had the highest incidence

followed by Malay and Indian.

Colorectal Cancer

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Kidney Disease A Silent Killer

The no. of kidney patient

was increasing by 2,500

new patients each year.

Source: Bernama, March 9, 2006 & Department of Nefrology

Source: National Renal Registry

Number of kidney patients

undergoing dialysis triples!The total no. of patients on dialysis had grown from 6,689 in 2000 to 21,159 in 2009.

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Diabetes

More young people, some as young as 7, are suffering from

Type 2 diabetes (T2D), a disease that generally hits those in their 50s.

Malaysia had the 4th highest no. of diabetes cases in Asia.

Source: The Stars, July 24, 20108

Diabetes Threat Bigger Than H1N1

Source: The Star, 15 Nov 2009, Malaysian Diabetes Association president Prof Dr Ikram Shah Ismail

Source: NST, 12 June 2006

A disease that lead to stroke and heart attack

where some 40% of those suffering

heart attacks were diabetic.

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Better technology,

new equipment and

techniques and new

drugs give chance to

higher survival rates if these illnesses were to

detect early.

However, the same also translates into higher costs. Drug companies, seeking to recoup their high research and investment costs as well as

make some profit for their shareholders, price their drugs accordingly.

Medical Enhancements Lead to Higher Costs

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Breast Cancer Mastectomy 20,000 – 30,000

Rectum Cancer Colon Operation 30,000 – 40,000

Cervix Cancer Hysterectomy 20,000 – 30,000

Colon Cancer Colon Operation 30,000 – 40,000

Cancer Radiotherapy 30,000 – 50,000 per cycle

Cancer Chemo 50,000 – 75,000 per cycle

Estimated Treatment Costs

Kidney Dialysis 2,500 – 4,000 per month

Angioplasty 20,000 (1 day stay. Cardiologist, procedure & equipment costs)

Heart Bypass 35,00011

Can You Afford to Fall Ill?Malaysia’s medical inflation rates for the past few years range

from 10% to 15% annually!

Medical Fee Today 20,000 20,000 20,000 20,000

Inflation Rate p.a. 10% 15% 10% 15%

After Year 10 10 20 20

Medical Fee Later 51,875 80,911 134,550 327,331

The already expensive yet

keep rising medical costs

will cause those who do not

prepare financially suffer

with the hospitalization fees.

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CI Claims hardly happen in Early pol.year?

Source : GenRe Dread Disease Survey 2000 - 2004

No Cause of Claim

1st

policy

year

2nd

policy

year

Total < 2

years

1 Cancer 9% 10% 19%

2 Heart Attack 7% 9% 16%

3 Coronary Artery

Bypass Surgery/

Other Serious

Coronary Disease

7% 9% 15%

4 Stroke 6% 9% 15%

5 Kidney Failure 7% 8% 15%

Total Top 5 8% 9% 17%

Male Female

No Cause of Claim

1st

policy

year

2nd

policy

year

Total < 2

years

1 Cancer 7% 9% 17%

2 Stroke 7% 9% 16%

3 Benign Brain

Tumour

8% 18% 26%

4 Kidney Failure 6% 8% 14%

5 Heart Attack 2% 11% 13%

Total Top 5 7% 9% 16%

MY, SG, HK13

I want continuous and

uninterrupted medical

care

Medical

Medical Care Plus Riderno lifetime limit on the

total amount that you claim#

Medical Medical Care

AXA Life Proudly Present...

Plus

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Medical Care

What can Plus

do for you?

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What Can

Medical Care Plus Do For You?

No lifetime limit on the total amount that you claim #

# except for Special Benefits

so that you can have

continuous & uninterrupted access

to the medical care you need

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What Can

Medical Care Plus Do For You?

Medical care up to age 81

so that you can have

medical care well into your

retirement years, the time you need it most !

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What Can

Medical Care Plus Do For You?

Cashless admission to a nationwide panel of hospitals

so that you can have

cashless admission & quick access

to medical care in a wide selection of private hospitals

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What Can

Medical Care Plus Do For You?

No co-insurance

Note: as long as you stay in Room & Board within your eligible benefit

burdened with partial payment

of medical bills

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so that you don’t have to be

High protection of up to RM 500,000 every year

What Can

Medical Care Plus Do For You?

so that you can seek

best possible treatment option and not let finances to be

an obstacle

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Full Benefit Schedule ... Con’tPlans Platinum Gold Silver Bronze

Overall Annual Limit *

(for Section A and Section B only)RM500,000 RM200,000 RM100,000 RM50,000

Section A In-patient & Daycare Surgical Procedure (per Disability)

Room & Board, daily maximum RM500 RM300 RM150 RM80

Room Category Basic SuiteStandard

Single Room

Double

Bedded Room

Four Bedded

Room

Total number of days 150 days 120 days 120 days 120 days

Intensive Care Unit, daily maximum

Total number of days

Full Reimbursement

60 days

Ambulance Charges Full Reimbursement RM350 RM350

Insured Child’s Daily Guardian Benefit

(for child below 15 years old, up to 60 days)Full Reimbursement Not Applicable

Prescription Drugs Full Reimbursement

Nursing, Theatre Consumables & other

Ancillary Charges

Full Reimbursement

(up to RM50 for medical report)

Surgeons’ Fees

(up to 31 days for pre-surgical assessment

and up to 31 days for post-surgery care) Full Reimbursement subject to

Overall Annual Limit provided the charges

are within the recommendations of the Malaysian Medical

Association Guidelines and Reasonable

and Customary charges.

Anaesthetist’s Fees

Diagnostic Procedures & Physiotherapy

Physician Fees, one visit per day

Specialist Fees, one visit per day

Operating Theatre Full Reimbursement

* Not subject to lifetime limit.21

Full Benefit Schedule ... Con’t

Plans Platinum Gold Silver Bronze

Section B Out-patient Treatment (per disability)

Consultation & Diagnostic Procedures

within 31 days before hospital confinementRM5,000 RM3,000 RM2,000 RM1,000

Post-Hospitalisation Care and Physiotherapy

Treatment within 60 days from hospital

discharge

RM10,000 RM6,000 RM4,000 RM2,000

Accident & Emergency Treatment within 14

days from the date of the accidentFull Reimbursement

Section C Special Benefits (additional limit on top of the Overall Annual Limit)

Home Nursing Care, up to 180 days, lifetime

maximumRM6,000 RM5,000 RM4,000 RM3,000

Out-patient Kidney Dialysis, lifetime

maximumRM190,000 RM150,000 RM110,000 RM20,000

Out-patient Cancer Treatment, lifetime

maximumRM310,000 RM240,000 RM170,000 RM20,000

International Emergency Medical

Evacuation and Repatriation, per annual

maximum

RM500,000 Not Applicable

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Medicare Care vs. Medical Care Plus

All other features & benefits, terms & conditions remain unchanged.

Medicare Care Medicare Care Plus

Platinum Gold Silver Bronze Platinum Gold Silver Bronze

Outpatient Treatment (per disability)

Post-Hospitalisation Care and Physiotherapy Treatment

5,000 3,000 2,000 1,000 10,000 6,000 4,000 2,000

within 31 days from hospital discharge

within 60 days from hospital discharge

Special Benefits

Outpatient Kidney Dialysis, lifetime maximum

60,000 40,000 20,000 20,000 190,000 150,000 110,000 20,000

Outpatient Cancer Dialysis, lifetime maximum

60,000 40,000 20,000 20,000 310,000 240,000 170,000 20,000

Home Nursing Care, up to 180 days, lifetime maximum Not applicable 6,000 5,000 4,000 3,000

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New Benefit - Home Nursing Care

Reimbursement of the Reasonable and Customary Charges

of full time services of a registered Nurse for services

rendered to the insured person who is Medically Necessary

and prescribed by the attending Physician or Surgeon for

the continued treatment at the Insured’s home of the specific

medical condition. The benefit is only payable after a

minimum of 3 days hospitalisation beginning within 7 days

of hospital discharge.

Home Nursing Care cover under this policy includes:

(a)Physical, occupational or speech therapies;

(b)Therapy, treatments for wound, respiratory, diabetes care,

colostomy care, tube feeding, injections and other medication

administration to the insured person in home

Custodial care, meals, general house keeping services,

companions and personal comfort item, or any services for

activities of daily living that are not medically necessary will

not be payable.

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The lifetime limits for Special Benefits (Home Nursing Care, Out-patient kidney dialysis, outpatient cancer treatment & International

Emergency Medical Evacuation and Repatration) are on top of the Overall Annual Limit.

Plans Platinum Gold Silver Bronze

Overall Annual Limit *

(Section A and Section B only) RM 500,000 RM 200,000 RM 100,000 RM 50,000

Home Nursing Care, up to

180 days, lifetime maximum RM 6,000 RM 5,000 RM 4,000 RM 3,000

Out-patient Kidney Dialysis,

lifetime maximum RM 190,000 RM 150,000 RM 110,000 RM 20,000

Out-patient Cancer

Treatment, lifetime maximum RM 310,000 RM 240,000 RM 170,000 RM 20,000

International Emergency

Medical Evacuation &

Repatriation,

per annual maximum

RM 500,000 Not Applicable

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Packaged Premium

Age 25 30 35 40 45 25 30 35 40 45

Death/TPD 5,000 5,000Medical Package Silver Gold

Overall Annual Limit

(Silver Plan) for In-

patient & Daycare

Surgical Procedure

and Outpatient

Treatment

100,000 200,000

Home Nursing Care

- lifetime maximum

4,000 5,000

Outpatient Kidney

Dialysis

- lifetime maximum

110,000 150,000

Outpatient Cancer

Treatment

- lifetime maximum.

170,000 240,000

Monthly Premium 61.58 66.65 71.28 84.97 109.72 84.24 91.85 98.67 115.86 145.42

Annual Premium 703.74 761.66 814.66 971.09 1,253.91 962.74 1,049.66 1,127.66 1,324.09 1,661.91

Male

A package of T80 + Medical Care Plus26

Packaged Premium

Age 25 30 35 40 45 25 30 35 40 45

Death/TPD 5,000 5,000Medical Package Silver Gold

Overall Annual Limit

(Silver Plan) for In-

patient & Daycare

Surgical Procedure

and Outpatient

Treatment

100,000 200,000

Home Nursing Care

- lifetime maximum

4,000 5,000

Outpatient Kidney

Dialysis

- lifetime maximum

110,000 150,000

Outpatient Cancer

Treatment

- lifetime maximum.

170,000 240,000

Monthly Premium 59.49 74.86 89.46 107.33 131.53 83.38 104.61 125.33 146.61 182.72

Annual Premium 679.86 855.57 1,022.37 1,226.57 1,503.17 952.86 1,195.57 1,432.37 1,675.57 2,088.17

Female

A package of T80 + Medical Care Plus27

Where Do You Typically

Spent Your Money?

Fast food for you and

your kids once a week

RM 200/mth

A relaxing massage

once a weekRM 230/mthFamily treat at restaurant

twice a month

RM 300/mth

Afternoon tea with

friends twice a month

RM 50/mth

A golf game per week

RM 400/mth

Gym membership

RM 150/mth

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Choices that you’ve made

Shape your life.

One of them is...

The choice to take care of

your health29

Let AXA takes care of your medical bills

while you focus on

recovering

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I want continuous and

uninterrupted medical

care

Medical

Medical Care Plus Riderno lifetime limit on the

total amount that you claim#

Medical Medical Care Plus1. No lifetime limit on the total

amount that you claim#

2. Medical care up to age 81

3. Cashless admission

4. No co-insurance

5. High protection of up to

RM500,000 every year

# except for Special Benefits

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Thank You

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