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1. Medical Care Plus
1 Version 1.0 Oct 2011

2. Critical Illness is getting
COMMON !
2

3. In Malaysia...
1 out of 4
can be expected to get
cancer in their lifetime
More than 40,000 new cancer
cases are reported annually !
Source: National Cancer Society Malaysia
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Source: NST, 7 April 2006

4. Top 5 Cancers Affecting Malaysian
• Breast
• Colorectal (bowel)
• Lung
• Cervical
• Nasopharyngeal
Source: National Cancer Society Malaysia
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5. Breast Cancer
A woman in Malaysia has
1 in 20
chance of getting
breast cancer
Chinese : 1 in 16 lifetime risk
Indian : 1 in 16 lifetime risk
Malay : 1 in 28 lifetime risk
Source: National Cancer Registry, Ministry of
Health Malaysia. Study period: 2003-2005
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6. Colorectal Cancer
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.
Source: Bernama, 6 April 2009
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7. Kidney Disease A Silent Killer
The no. of kidney patient
was increasing by 2,500
new patients each year.
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.
Source: Bernama, March 9, 2006 & Department of Nefrology
Source: National Renal Registry
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8. 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, 2010
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9. Diabetes Threat Bigger Than H1N1
A disease that lead to stroke and heart attack
where some 40% of those suffering
heart attacks were diabetic.
Source: The Star, 15 Nov 2009, Malaysian Diabetes Association president Prof Dr Ikram Shah Ismail
Source: NST, 12 June 2006
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10. Medical Enhancements Lead to Higher Costs
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.
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11. Estimated Treatment Costs
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
Kidney Dialysis 2,500 – 4,000 per month
Angioplasty 20,000 (1 day stay. Cardiologist, procedure & equipment costs)
Heart Bypass 35,000
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12. 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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13. CI Claims hardly happen in Early pol.year?
Male Female
1st 2nd 1st 2nd
policy policy Total < 2 policy policy Total < 2
No Cause of Claim year year years No Cause of Claim year year years
1 Cancer 9% 10% 19% 1 Cancer 7% 9% 17%
2 Heart Attack 7% 9% 16% 2 Stroke 7% 9% 16%
3 Coronary Artery 7% 9% 15% 3 Benign Brain 8% 18% 26%
Bypass Surgery/ Tumour
Other Serious
4 Kidney Failure 6% 8% 14%
Coronary Disease
5 Heart Attack 2% 11% 13%
4 Stroke 6% 9% 15%
5 Kidney Failure 7% 8% 15%
Total Top 5 7% 9% 16%
Total Top 5 8% 9% 17%
Source : GenRe Dread Disease Survey 2000 - 2004 MY, SG, HK
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14. AXA Life Proudly Present...
Medical
Medical Medical Care Plus
I want continuous and
uninterrupted medical
care
Medical Care Plus Rider
no lifetime limit on the
total amount that you claim#
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15. What can
Medical Care Plus
do for you?
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16. What Can
Medical Care Plus Do For You?
1 No lifetime limit on the total amount that you claim #
so that you can have
continuous &
uninterrupted access
to the medical care you need
# except for Special Benefits
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17. What Can
Medical Care Plus Do For You?
2 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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18. What Can
Medical Care Plus Do For You?
3 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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19. What Can
Medical Care Plus Do For You?
4 No co-insurance
so that you don’t have to be
burdened with
partial payment
of medical bills
Note: as long as you stay in Room & Board within your eligible benefit
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20. What Can
Medical Care Plus Do For You?
5 High protection of up to RM 500,000 every year
so that you can seek
best possible treatment option
and not let finances to be
an obstacle
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21. Full Benefit Schedule ... Con’t
Plans Platinum Gold Silver Bronze
Overall Annual Limit *
RM500,000 RM200,000 RM100,000 RM50,000
(for Section A and Section B only)
Section A In-patient & Daycare Surgical Procedure (per Disability)
Room & Board, daily maximum RM500 RM300 RM150 RM80
Standard Double Four Bedded
Room Category Basic Suite
Single Room Bedded Room Room
Total number of days 150 days 120 days 120 days 120 days
Intensive Care Unit, daily maximum Full Reimbursement
Total number of days 60 days
Ambulance Charges Full Reimbursement RM350 RM350
Insured Child’s Daily Guardian Benefit
Full Reimbursement Not Applicable
(for child below 15 years old, up to 60 days)
Prescription Drugs Full Reimbursement
Nursing, Theatre Consumables & other Full Reimbursement
Ancillary Charges (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
Anaesthetist’s Fees Overall Annual Limit provided the charges
are within the recommendations of the Malaysian Medical
Diagnostic Procedures & Physiotherapy
Association Guidelines and Reasonable
Physician Fees, one visit per day and Customary charges.
Specialist Fees, one visit per day
Operating Theatre Full Reimbursement
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* Not subject to lifetime limit.

22. Full Benefit Schedule ... Con’t
Plans Platinum Gold Silver Bronze
Section B Out-patient Treatment (per disability)
Consultation & Diagnostic Procedures
RM5,000 RM3,000 RM2,000 RM1,000
within 31 days before hospital confinement
Post-Hospitalisation Care and Physiotherapy
Treatment within 60 days from hospital RM10,000 RM6,000 RM4,000 RM2,000
discharge
Accident & Emergency Treatment within 14
Full Reimbursement
days from the date of the accident
Section C Special Benefits (additional limit on top of the Overall Annual Limit)
Home Nursing Care, up to 180 days, lifetime
RM6,000 RM5,000 RM4,000 RM3,000
maximum
Out-patient Kidney Dialysis, lifetime
RM190,000 RM150,000 RM110,000 RM20,000
maximum
Out-patient Cancer Treatment, lifetime
RM310,000 RM240,000 RM170,000 RM20,000
maximum
International Emergency Medical
Evacuation and Repatriation, per annual RM500,000 Not Applicable
maximum
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23. Medicare Care vs. Medical Care Plus
Medicare Care Medicare Care Plus
Platinum Gold Silver Bronze Platinum Gold Silver Bronze
Outpatient Treatment (per disability)
Post-Hospitalisation Care
and Physiotherapy
5,000 3,000 2,000 1,000 10,000 6,000 4,000 2,000
Treatment
within 31 days from within 60 days from
hospital discharge 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
 All other features & benefits, terms & conditions remain unchanged.
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24. 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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25. 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 &
RM 500,000 Not Applicable
Repatriation,
per annual maximum
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26. Packaged Premium
Male
Age 25 30 35 40 45 25 30 35 40 45
Death/TPD 5,000 5,000
Medical Package Silver Gold
Overall Annual Limit
(Silver Plan) for In-
patient & Daycare 100,000 200,000
Surgical Procedure
and Outpatient
Treatment
Home Nursing Care 4,000 5,000
- lifetime maximum
Outpatient Kidney 110,000 150,000
Dialysis
- lifetime maximum
Outpatient Cancer 170,000 240,000
Treatment
- lifetime maximum.
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
A package of T80 + Medical Care Plus
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27. Packaged Premium
Female
Age 25 30 35 40 45 25 30 35 40 45
Death/TPD 5,000 5,000
Medical Package Silver Gold
Overall Annual Limit
(Silver Plan) for In-
patient & Daycare 100,000 200,000
Surgical Procedure
and Outpatient
Treatment
Home Nursing Care 4,000 5,000
- lifetime maximum
Outpatient Kidney 110,000 150,000
Dialysis
- lifetime maximum
Outpatient Cancer 170,000 240,000
Treatment
- lifetime maximum.
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
A package of T80 + Medical Care Plus
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28. RM 200/mth RM 300/mth
Fast food for you and A relaxing massage Family treat at restaurant
your kids once a week RM 230/mth once a week twice a month
Where Do You Typically
Spent Your Money?
Afternoon tea with
friends twice a month A golf game per week Gym membership
RM 50/mth RM 150/mth
RM 400/mth
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29. Choices that you’ve made
Shape your life.
One of them is...
The choice to take care of
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your health

30. Let AXA takes care of
your medical bills
while you focus on
recovering
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31. Medical
Medical Medical Care Plus
I want continuous and 1. No lifetime limit on the total
uninterrupted medical amount that you claim#
care
2. Medical care up to age 81
3. Cashless admission
4. No co-insurance
Medical Care Plus Rider
5. High protection of up to
no lifetime limit on the RM500,000 every year
total amount that you claim#
# except for Special Benefits
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32. Thank You
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