Introduction
Does MediAsas cover cancer and dialysis? The MediAsas cancer and dialysis coverage depends on the plan’s annual limit, waiting period, exclusions, and co-payment requirements. This guide explains what policyholders should check before claiming chemotherapy, radiotherapy, or kidney dialysis expenses.
Many policyholders therefore ask whether the MediAsas plan covers cancer treatment and kidney dialysis. Coverage depends on four factors: the annual limit, waiting period, exclusions and co-payment requirements.
This guide explains the key terms to check before making a claim.
MediAsas Cancer and Dialysis Coverage
Medically, chemotherapy, radiotherapy, and kidney dialysis are outpatient treatments. Although you do not stay in a hospital ward, the MediAsas plan may provide financial support for eligible outpatient treatments.
This may reduce the amount you need to pay for treatment. The insurance company pays for these treatments directly at recognized panel hospitals and centers, allowing you to focus completely on your recovery.
MediAsas Cancer and Dialysis Limits
Cancer and kidney treatments require massive, long-term financial commitments. Under the basic MediAsas Teras plan, you receive an annual limit of RM100,000, which is reasonably sufficient to cover standard treatment cycles.
However, if you desire stronger peace of mind, the MediAsas Fleksi plan is an option with a higher annual limit. Its high annual limit of RM300,000 ensures your treatment may continue until the annual limit is reached due to depleted protection funds.
120-Day Waiting Period
One critical detail you must know is the strict waiting period rule. For specific illnesses such as cancer and kidney failure, you must wait precisely 120 days from your policy’s activation date before making any claims.
Furthermore, this scheme is extremely strict regarding pre-existing conditions. If you were diagnosed with cancer or kidney problems before registering, all treatment costs related to those specific diseases are absolutely excluded from coverage.
Deductible and Co-Insurance
To ensure the premium rate remains highly affordable at around RM65 a month, the MediAsas plan utilizes a co-payment system. This essentially means that while your chemotherapy or dialysis is covered, you must still pay part of the treatment cost.
Generally, you pay a fixed RM500 deductible alongside a 20% co-insurance charge for your treatment cycles. Thus, keeping an emergency fund of at least RM1,500 is highly crucial to cover this upfront co-payment at panel treatment centers.
Quick Comparison: MediAsas Plans for Critical Illnesses
| Coverage Feature | MediAsas Teras | MediAsas Fleksi |
| Annual Protection Limit | RM100,000 per year | RM300,000 per year |
| Cancer / Dialysis Coverage | Fully covered | Fully covered |
| Waiting Period | 120 days for specific illnesses | 120 days for specific illnesses |
| Pre-Existing Conditions | Strictly excluded from coverage | Strictly excluded from coverage |
| Upfront Cost (Panel) | RM500 Deductible + 20% Co-insurance | RM500 Deductible + 20% Co-insurance |
Frequently Asked Questions (FAQ)
- Are targeted therapies covered under MediAsas cancer treatment?Approval heavily depends on the specific plan type and the insurer’s guidelines. Usually, standard chemotherapy and radiotherapy the plan covers them, while experimental treatments or unlisted drugs might be excluded.
- Can I claim treatment costs if cancer is detected in the first month?No, you cannot. Cancer is a specific illness subject to a strict 120-day waiting period. Any diagnosis made within this period the insurer may treat it as a pre-existing condition, and the claim will be rejected.
- Do I have to pay RM500 every single time I visit the dialysis center?Usually, deductible and co-insurance charges for continuous outpatient treatments (like dialysis) the insurer calculates them by policy year, not per individual visit. Always refer to your policy contract for precise billing terms.
Related Bjak Guides
To ensure you never face the nightmare of claim rejections, transparently review the 35 major exclusions under the MediAsas plan. You are also highly advised to mathematically understand how the hospital co-payment system works. Additionally, confidently make the right choice by evaluating the differences between the MediAsas Teras vs Fleksi plans.
How Bjak Helps You
Navigating complex medical terms and insurance structures should never add more stress to your life. The Bjak digital platform helping all Malaysians transparently, safely, and rapidly compare their health protection needs.
Through the Bjak.my platform, you are completely free to cross-check medical packages from the nation’s leading insurance companies. We clearly show all protection terms, exact deductible rates, and strict exclusion limits so you get a true picture of your coverage before spending a single cent.
Conclusion
Critical illnesses never discriminate based on age or financial status. Thorough medical insurance preparation before any diagnosis is made can actively reduce the risk of significant out-of-pocket costs. Protect yourself and your family’s financial sustainability by comparing the absolute best health policies on Bjak.my today!
Also Read:
MediAsas Kanser Dialisis: Had, Tempoh Menunggu & Ko-Bayaran
How a Dashcam Can Strengthen Your Car Insurance Claim
MediAsas for Parents and Children: Eligibility Guide
