I医药卡A型流感可以CLIAM吗?

Topscorer

Prudential Boleh,可以claim医药卡

anthonyyap

虽然H1N1是在不受保条例里面，
但ING介于关心社会，服务大众，
所以已经公布ING的医药卡可以Claim H1N1。
但有些公司的医药卡是不可以claim的，
要好好地向你们的Agent询问，
ING Boleh

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Anthony Yap, ING Agent, 010-2983457, anthony.yap@gmail.com
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GeMan

原帖由 饼干及面包 于 16-8-2009 05:06 PM 发表
如果当作是住院治疗的话，保险公司该有得claim hospitalization吧。influenza H1N1是属于viral fever，这个很普遍的。



不过看到G公司的回复，觉得再找“jalan”来表现公司的大方。

不是 GE 要找 ＇JALAN＇来显大方，而是GE医药卡原本不保＇法律规定须隔离的传染病＇，请看brochure里第6条文：
'... ，and any communicable diseases required quarantine by law.'

饼干及面包

谢谢你的资料。
那么以后有新的病毒，保险公司会不会用这样的条文来不作出claim呢？因为病毒的变种很快，香港已经出现tamiflu resistant的病人了。

canibbean_blue

AIA 医药卡可以 claim 吗？

charleswong28

Allianz medical 可以 claim
是真的

鬼泣

那么到底有没有人claim过了呢？

kwklee

（吉隆坡、马六甲17日讯）若您不幸患上A(H1N1)型流感，并入住国内私人医院诊治，而您所拥有的医药保险（俗称医药卡）是在2006年过后才买下，您的医药卡将不会承担住院及医药费，只有少数保险公司的医药卡例外！

只要是证实为全国性传染，并被官方规定须隔离治疗的疾病，国内绝大部分的医药保险（医药卡）都不会赔偿，这包括目前已成为大流行传染疾病，而且必须强制隔离的A型流感在内！

须自掏腰包付医药费

在国内A流感死亡病例不断增加，疫情有日益严重的趋势，而且没有疫苗可以防范之下，很多民众都想了解如果万一被感染，所购买的医药保险到底赔不赔，是否有保障?

针对这点，《南洋商报》探悉，随着我国A流感的疫情日益严重，而且官方已规定所有A流感病患都必须隔离治疗，感染或怀疑感染而住院的国人，所购买的医药保险，绝大部分保险公司都不会赔偿，必须自掏腰包支付住院和医药费！

据本报了解，自2003年席卷亚洲的非典型肺炎（SARS）肆虐之后，国内许多保险公司纷纷在过后推出的医药保单中，加入一个“只要是可传染的疾病，并且法律规定患者染上这类疾病必须隔离，就不会受保（Any communicable diseases required quarantine by law）”的条款，凡是落在这个条款内的疾病，投报人在住院时都无法向保险公司索赔。

而在2006年，马来西亚人寿保险公司公会为了划一国内保险公司医药保单的条款，自该年起推行医药与健康保险指南（Medical & Health Guidelines），划一所有医药保单的不受保病症与条例的用词，而该会所有公司都跟进遵守这项指南，在保单中阐明上述不受保的条款。

ING及保诚保险例外

故此，国内绝大部分保险公司的保客，若感染类似A流感这类已被我国政府宣布为大流行病的传染病而住院，将必须自付所有住院相关费用！

国内大部分主要人寿及普通保险公司接受本报询问时，都一一证实这项讯息。

只有少数的公司例外，这包括两家主要保险公司ING及保诚保险在内。

保诚保险就指出，该公司的所有医药保单，都承保因患上A流感而住院的保障。

http://beta.nanyang.com/Newscent ... mp;sID=7&cID=10

just4kate

AIA的可以。。。

GeMan

GEL 在怡保有因AH１N１入院案例而做出医药卡赔偿。

xxx2xxx

是否是说如果在2006年前买的话就受保？

isme

原帖由 kwklee 于 18-8-2009 10:51 AM 发表
（吉隆坡、马六甲17日讯）若您不幸患上A(H1N1)型流感，并入住国内私人医院诊治，而您所拥有的医药保险（俗称医药卡）是在2006年过后才买下，您的医药卡将不会承担住院及医药费，只有少数保险公司的医药卡例外！

只 ...

这个报道可信度不高

极终战士

TM ASIA LIFE
亚洲的医药卡，只有第一代（AHP）和第二代（AHP PLUS）在目前的阶段有的CLAIM，AHP EXCEL（最新的）以目前的阶段还没有办法CLAIM。

jiahui916

问了AGENT，现在G公司已近可以CLAIM了。。

balia17

原帖由 极终战士 于 20-8-2009 11:50 AM 发表
TM ASIA LIFE
亚洲的医药卡，只有第一代（AHP）和第二代（AHP PLUS）在目前的阶段有的CLAIM，AHP EXCEL（最新的）以目前的阶段还没有办法CLAIM。

TOKIO MARINE的就可以CLAIM

GeMan

大东方的杂保险公司 OAC 的医药卡也对 AH１N１ 做出保障。

skinmaker

PRudential 的可以claim。。。
连最新的pruhealth都可以claim～

honest_ing

ING can claim untill 31/12/2009

stevensnet

PRESS RELEASE
For immediate release
Great Eastern Covers H1N1 Hospitalization Claims
Kuala Lumpur, 19 August 2009 – Great Eastern Life Assurance (Malaysia) Berhad’s
Director and Chief Executive Officer Mr Koh Yaw Hui informed that as a good corporate
citizen with a hundred and one years’ presence in Malaysia, Great Eastern will cover
hospitalization claims made by its policyholders, who have been hospitalized due to
influenza A (H1N1).
“This pandemic disease is distressing for our community. We would like to dispel all
uncertainties on hospitalization claims by affirming that Great Eastern will compensate
our policyholders who have been hospitalized for treatment of influenza A (H1N1),”
assured Mr Koh.
Similarly, Mr. Koh in his capacity as a Director of Overseas Assurance Corporation
(Malaysia) Berhad (“OACM”), would also like to take the opportunity to assure the
policyholders of OACM who have been hospitalized due to influenza A (H1N1), that they
will be accorded similar treatment.
Mr Koh urged the public to adhere to the authorities’ request to take precautionary
measures to prevent further spread of this disease by practising isolation should one feel
ill or show symptoms of influenza A (H1N1), to curb further spread of this deadly
disease.
-moreMr.
Koh added, “Great Eastern and OACM have constantly briefed our employees on
influenza A (H1N1) in relation to insurance claims. We have also taken the initiative to
communicate regularly with our employees and our agency force on this pandemic so
that we are able to serve our policyholders on a timely basis."
-end-
About Great Eastern
Great Eastern began its operations in 1908 as a branch office of The Great Eastern Life
Assurance Company Limited. The Malaysian operations were subsequently transferred
to a locally incorporated public company, Great Eastern Life Assurance (Malaysia)
Berhad under the Scheme of Transfer of Business. The Company was certified by The
Malaysia Book of Records in 1998 as “The Oldest and Largest Life Insurer” in Malaysia.
With more than a century of experience and solid financial foundation, Great Eastern
has assets in excess of RM37 billion, over 2.8 million policies in force, 24 Branch offices
and a network of 17,000 agents nationwide as at 31 December 2008. Its products
include life insurance plans, investment-linked plans, mortgage protection, business
protection, employee benefits, medical insurance and group health benefits schemes.
Great Eastern Life Assurance (Malaysia) Berhad is a wholly owned subsidiary of Great
Eastern Holdings Limited (GEH) and its ultimate holding company is Oversea-Chinese
Banking Corporation Limited (OCBC).