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Medical care plus slides

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Medical care plus slides

  1. 1. Medical Care Plus1 Version 1.0 Oct 2011
  2. 2. Critical Illness is getting COMMON !2
  3. 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 Malaysia3 Source: NST, 7 April 2006
  4. 4. Top 5 Cancers Affecting Malaysian • Breast • Colorectal (bowel) • Lung • Cervical • Nasopharyngeal Source: National Cancer Society Malaysia4
  5. 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: 2003-20055
  6. 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 20096
  7. 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 Registry7
  8. 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, 20108
  9. 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 20069
  10. 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.10
  11. 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 35,00011
  12. 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.12
  13. 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, HK13
  14. 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#14
  15. 15. What can Medical Care Plus do for you?15
  16. 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 Benefits16
  17. 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 !17
  18. 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 hospitals18
  19. 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 benefit19
  20. 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 obstacle20
  21. 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 Reimbursement21 * Not subject to lifetime limit.
  22. 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 maximum22
  23. 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.23
  24. 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.24
  25. 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 maximum25
  26. 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 Plus26
  27. 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 Plus27
  28. 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/mth28
  29. 29. Choices that you’ve made Shape your life. One of them is... The choice to take care of29 your health
  30. 30. Let AXA takes care of your medical bills while you focus on recovering30
  31. 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 Benefits31
  32. 32. Thank You32

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