ING Medical Insurance Premium

ING Medical Insurance Premium

Fulfilling Your Total Healthcare Needs
Imagine having a medical plan that guarantees hospital admission and takes care of your medical bills upon discharge at our panel hospitals. This is what the ING MediPlus¹ (IMPlus) Insurance can do for you. With absolute convenience and hassle free hospitalization, you now have the comfort and peace of mind to focus on what is more important-your health.

With ING MediPlus Insurance, you are covered worldwide 24 hours a day. You need not worry about funding for healthcare costs or it being a burden on yourself and your loved ones. It is designed to give you maximum protection, flexibility and convenience at minimum cost. All you have to do is select from a choice of three IMPlus plans that suit your needs and let it work for you.

· Comprehensive Hospitalizations & Surgical Coverage

Schedule of Benefit	IMPlus 1 (RM)	IMPlus 2 (RM)	IMPlus 3 (RM)
Hospitalisation & Surgical Expenses
a) Room & Board (daily limit)	120	180	260
b) Intensive Care Unit(Total period for Hospital Room & Board and intensive Care Unit up to a maximum of 60 days per disability)	300	300	300
c) Surgical Expenses(Surgical fees, Anaesthetist fee and Operating theatre charges) including post surgical care up to sixty (60) days from date of discharge)	As charged subject to self-insured deductible RM50**
d) Hospital Expenses
e) Pre-Surgery/Medical Specialist ConsultationIncludes fees incurred for consultation within 31 days prior to hospital admission or Day Surgery
f) Pre-Surgery/Medical Diagnosis Test
g) Daily Cash Allowance at a Malaysian Government Hospital (per disability)	50	50	50
Out of Hospital Benefits
a) Day Surgery Benefits	As charged subject to self-insured deductible RM50**
b) Emergency Accidental Outpatient Treatment - up to 31 days from the date of accident	As charged
c) Post-Hospitalisation or Day Surgery Follow up - up to sixty (60) days from date of discharge or Day Surgery
d) Out- Patient Cancer Treatment
e) Out-Patient Kidney Dialysis Treatment
f) Home Nursing Care Limit per disability. Valid within 7 days from the date of hospital discharge, subject to a minimum of 3 days hospitalisation	500	1,000	2,000
Overall Annual Limit	50,000	100,000	150,000
Lifetime Limit	150,000	300,000	450,000

**A deductible amount of RM50 is payable by the policyholder. This deduction is applicable per hospital admission/Day Surgery.

What are the benefits of ING MediPlus Insurance?
ING Medical Card (For Cashless Option Only)

With ING Medical Card it guarantees you hospital admission at all panel hospital.

All authorized hospital bills will be settled automatically upon discharge.
If you have to be admitted to a non-panel hospital, please call our 24 hours service hotline for hassle-free admission with no deposit required.
You may either opt for the cashless option, which comes with the ING Medical Card, or the non-cashless option, where you pay first and submit your claim to ING Insurance for reimbursement later.

If you are hospitalized during the first three (3) months of your policy, you will be required to pay first and then submit your claim to ING Insurance for reimbursement later, subject to the terms & conditions of the policy.
You are required to pay a Self-Insured Deductible amounting to RM50 for the hospitalization and surgical expenses which you have incurred.

Referral Emergency Assistance Program
You get to enjoy extensive domestic and international assistance programs with your ING MediPlus. Just call our 24 hour service hotline: 603-7665 2550 or 603-7954 4717 from any part of the world and reverse the call charges.

Choice of Plan
ING MediPlus offers you a choice of three attractive plans designed to suit your budget and healthcare needs.
Policy Renewability
Your ING MediPlus insurance policy is renewable up to age 70 whilst the Company continues to transact hospitalization and surgical business. This policy renewability is subject to the aggregate lifetime claim limit of 3 times the Overall Annual Limit and insurability of the occupation class.

Questions & Answers
Q: Who is eligible?
A: Anyone between the ages of 30 days to 59 years old can apply for ING MediPlus. Acceptance however is subject to underwriting.
Q: Is this policy eligible for tax relief?
A: Yes. When you purchase this Plan, you are entitled to tax relief subject to the provisions of the Income Tax Act 1967. Your premiums are eligible for tax deduction up to a maximum of RM3,000 per year (inclusive of insurance premium for Education Plans). The amount of tax relief may vary as declared by the Malaysian Inland Revenue Board.
Q: When I receive the Plan and I do not agree with any of the terms and conditions, can I still reconsider?
A: Yes, you can. Within fifteen (15) days from the date the policy is delivered to you, you are free to review the policy and cancel the policy without assigning any reason. ING will refund all the premiums already paid less any expenses incurred for medical examination (if any). We want you to understand the full benefits of this Plan for you and your family to ensure that the Plan fulfils your needs.
Q: How do I make a claim?
A: Should you need to make a claim, please contact your ING Agent or Business Manager

Please note:
Premium payment shall be made on a yearly basis until the policy anniversary nearest to 70th birthday of life insured.
Immediate written notice must be given to ING of any change to your occupation. The Company shall be entitled to determine if any additional premium is payable or to terminate the policy if your occupation has changed to one which is not insurable under this plan.
Upon renewal, premium may increase based on your Attained Age. The Attained Age of a Life Insured at a particular Policy Anniversary Date is computed by adding the Age of Entry of the Life Insured to the number of completed Policy Years from the Policy Date.
If you have received the compensation or reimbursement of the medical expenses incurred from any other medical insurance, any employee benefit or any Government law and program, the benefit payable shall be limited to those medical expense which are not fully reimbursed under such scheme.
No benefit whatsoever shall be payable for any medical treatment outside Malaysia apart from Singapore and Brunei if the Life Insured resides or travels outside Malaysia for more than ninety (90) consecutive days.