{"id":416,"date":"2021-08-17T14:12:17","date_gmt":"2021-08-17T06:12:17","guid":{"rendered":"https:\/\/bjakmy.wordpress.com\/?p=416"},"modified":"2026-02-19T15:06:24","modified_gmt":"2026-02-19T07:06:24","slug":"key-terms-you-must-understand-before-buying-medical-insurance","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/key-terms-you-must-understand-before-buying-medical-insurance","title":{"rendered":"Key Terms You Must Understand Before Buying Medical Insurance"},"content":{"rendered":"\n<p>Since you\u2019re here&#8230;our best bet is you\u2019re thinking of getting yourself medical insurance. Congratulations, you\u2019re just one step away from getting protected.<\/p>\n\n\n\n<p>But some, <em>if not most<\/em>, insurance terms sound so alien that you can hardly understand what they mean. You can\u2019t risk entering into an agreement that you don\u2019t understand!<\/p>\n\n\n\n<p>Stop furrowing your eyebrows as we\u2019re going to explain five key terms you must understand before buying medical insurance. Let\u2019s jump right in!<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_50 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\">Contents =<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\" role=\"button\"><label for=\"item-69d73a58389f6\" aria-hidden=\"true\"><span style=\"display: flex;align-items: center;width: 35px;height: 30px;justify-content: center;direction:ltr;\"><svg style=\"fill: #999999;color:#999999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999999;color:#999999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/label><input  type=\"checkbox\" id=\"item-69d73a58389f6\"><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/key-terms-you-must-understand-before-buying-medical-insurance\/#1_Premium\" title=\"1. Premium\">1. Premium<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/key-terms-you-must-understand-before-buying-medical-insurance\/#2_Waiting_Period\" title=\"2. Waiting Period\">2. Waiting Period<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/key-terms-you-must-understand-before-buying-medical-insurance\/#3_Annual_Limit\" title=\"3. Annual Limit\">3. Annual Limit<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/key-terms-you-must-understand-before-buying-medical-insurance\/#4_Outpatient_Treatment\" title=\"4. Outpatient Treatment\">4. Outpatient Treatment<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/key-terms-you-must-understand-before-buying-medical-insurance\/#5_Zero_deductible\" title=\"5. Zero deductible\">5. Zero deductible<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/key-terms-you-must-understand-before-buying-medical-insurance\/#Don%E2%80%99t_buy_insurance_before_understanding_its_full_terms_and_conditions\" title=\"Don\u2019t buy insurance before understanding its full terms and conditions\">Don\u2019t buy insurance before understanding its full terms and conditions<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"1_Premium\"><\/span>1. Premium<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Guess what \u201cpremium\u201d means in the insurance universe? It doesn&#8217;t mean &#8220;high quality&#8221;.<\/p>\n\n\n\n<p>&#8220;Premium\u201d means <strong>the amount that you have to pay for your insurance plan<\/strong>. Depending on your insurance agreement, you can pay for your premium monthly, quarterly or annually, so ensure that you check your premium payment structure.<\/p>\n\n\n\n<p>Example: Your monthly premium is RM150 a month. This means you&#8217;ll have to pay RM150 to your insurer every month.<\/p>\n\n\n\n<p><em>Tip: Get medical insurance early to enjoy a lower premium!<\/em><\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"2_Waiting_Period\"><\/span>2. Waiting Period<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><strong>Before you can enjoy some or all of the coverage stipulated in your policy, you must pass a specific period of time<\/strong> called the \u201cwaiting period\u201d. <em>Generally<\/em>, the waiting period is 30 days from your policy issuance date. <\/p>\n\n\n\n<p>Example: You buy your medical insurance on August 1, 2021. You can only start to enjoy some or all of the coverage per your policy on September 1, 2021.<\/p>\n\n\n\n<p><em>Tip: Get medical insurance as early as you can. You\u2019ll never know when you\u2019ll need it.<\/em><\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"3_Annual_Limit\"><\/span>3. Annual Limit<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u201cAnnual limit\u201d is <strong>the maximum amount your insurance provider will pay in a year for your medical plan<\/strong>. This means that your medical expenses in a year are covered only up to a specific amount stipulated in your policy. <\/p>\n\n\n\n<p>Example: Your insurance policy stipulates that your \u201cannual limit\u201d is RM100,000. Your hospital and surgical claims in a year will only be covered up until they reach the maximum amount of RM100,000.&nbsp;<\/p>\n\n\n\n<p><em>Tip: Customise your annual limit to best fit your budget and needs!<\/em><\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"4_Outpatient_Treatment\"><\/span>4. Outpatient Treatment<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u201cOutpatient treatment\u201d is a <strong>treatment that you get at a hospital, clinic or medical facility that DOES NOT require you to be admitted for an overnight stay<\/strong>. \u201cInpatient treatment\u201d on the other hand requires an overnight stay.<\/p>\n\n\n\n<p>Example: Your medical plan only covers \u201coutpatient treatment\u201d. Since you\u2019re required to stay overnight after your surgery, you have to bear the cost of the \u201cinpatient treatment\u201d.<\/p>\n\n\n\n<p>Most medical insurance plans cover both inpatient and outpatient treatment but do check with your preferred insurer before signing your agreement.&nbsp;<\/p>\n\n\n\n<p><em>Tip: Check also your hospital ward coverage for a comfortable overnight stay!<\/em><\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"5_Zero_deductible\"><\/span>5. Zero deductible<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>If your policy stipulates \u201czero deductible\u201d, this means <strong>you will not have to pay ANY portion of your medical charges. Your insurer will pay 100% of your medical expenses covered under your medical plan.<\/strong> <\/p>\n\n\n\n<p>Example: You are charged RM5,000 for minor surgery. But you don\u2019t have to pay a dime for it, thanks to your \u201czero deductible\u201d medical insurance policy!<\/p>\n\n\n\n<p>However, say that your policy includes an RM1,000 \u201cdeductible\u201d as opposed to \u201czero deductible\u201d, you\u2019ll have to pay RM1,000 while your insurer will settle the remaining RM4,000.<\/p>\n\n\n\n<p><em>Tip: Tailor your \u201cdeductible\u201d to best fit your budget<\/em> or better yet, get yourself a zero-deductible policy!<\/p>\n\n\n\n<p>So those are five key terms you must understand before buying medical insurance.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Don%E2%80%99t_buy_insurance_before_understanding_its_full_terms_and_conditions\"><\/span>Don\u2019t buy insurance before understanding its full terms and conditions<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>We can\u2019t stress this enough. Please don\u2019t simply buy insurance before understanding its full terms and conditions. It\u2019s only right that you know what you\u2019ll be getting from your insurance.<\/p>\n\n\n\n<p>Give <a href=\"https:\/\/bjak.com\/life\/en\/\">Bjak<\/a> a ring so our insurance specialists can clear any confusion you may have (<em>absolutely free, and no strings attached<\/em>!)<\/p>\n\n\n\n<p>(Sources: Investopedia, Reliance General Insurance, RinggitPlus (on annual limit), RinggitPlus (on zero deductible), St. George&#8217;s University)<\/p>\n\n\n\n<div class=\"wp-container-1 wp-block-buttons\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-neve-link-color-background-color has-background\" href=\"https:\/\/bjak.my\/ms\/life?utm_source=blog&amp;utm_medium=&amp;utm_campaign=key-terms-you-must-understand-before-buying-medical-insurance\">Get Your Free Quotation<\/a><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Some insurance terms sound so alien that you can hardly understand what they mean. These are 5 key terms that you must understand before buying medical insurance<\/p>\n","protected":false},"author":5,"featured_media":1918,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"neve_meta_sidebar":"","neve_meta_container":"","neve_meta_enable_content_width":"","neve_meta_content_width":0,"neve_meta_title_alignment":"","neve_meta_author_avatar":"","neve_post_elements_order":"","neve_meta_disable_header":"","neve_meta_disable_footer":"","neve_meta_disable_title":"","spay_email":""},"categories":[359],"tags":[59,92,127,141,143],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Medical Insurance Key Terms That You Must Understand<\/title>\n<meta name=\"description\" content=\"Medical insurance terms can be difficult to understand for most of us. Here are key terms you must understand before buying medical insurance\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/key-terms-you-must-understand-before-buying-medical-insurance\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Medical Insurance Key Terms That You Must Understand\" \/>\n<meta property=\"og:description\" content=\"Medical insurance terms can be difficult to understand for most of us. Here are key terms you must understand before buying medical insurance\" \/>\n<meta property=\"og:url\" content=\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/key-terms-you-must-understand-before-buying-medical-insurance\" \/>\n<meta property=\"og:site_name\" content=\"BJAK\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/bjak.my\" \/>\n<meta property=\"article:published_time\" content=\"2021-08-17T06:12:17+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-02-19T07:06:24+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/bjak.my\/blog\/wp-content\/uploads\/2021\/08\/en5.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"800\" \/>\n\t<meta property=\"og:image:height\" content=\"400\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@bjakmy\" \/>\n<meta name=\"twitter:site\" content=\"@bjakmy\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Nur Adilah\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Organization\",\"@id\":\"https:\/\/bjak.my\/blog\/#organization\",\"name\":\"Bjak\",\"url\":\"https:\/\/bjak.my\/blog\/\",\"sameAs\":[\"https:\/\/www.facebook.com\/bjak.my\",\"https:\/\/www.instagram.com\/bjak.my\",\"https:\/\/www.linkedin.com\/company\/14607755\/admin\/\",\"https:\/\/twitter.com\/bjakmy\"],\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/bjak.my\/blog\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/logo.png?fit=756%2C756&ssl=1\",\"contentUrl\":\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/logo.png?fit=756%2C756&ssl=1\",\"width\":756,\"height\":756,\"caption\":\"Bjak\"},\"image\":{\"@id\":\"https:\/\/bjak.my\/blog\/#\/schema\/logo\/image\/\"}},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/bjak.my\/blog\/#website\",\"url\":\"https:\/\/bjak.my\/blog\/\",\"name\":\"BJAK\",\"description\":\"Renew your car and motor insurance at the lowest price! Fastest way to renew in Malaysia!\",\"publisher\":{\"@id\":\"https:\/\/bjak.my\/blog\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/bjak.my\/blog\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/key-terms-you-must-understand-before-buying-medical-insurance#primaryimage\",\"url\":\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/08\/en5.jpg?fit=800%2C400&ssl=1\",\"contentUrl\":\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/08\/en5.jpg?fit=800%2C400&ssl=1\",\"width\":800,\"height\":400},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/key-terms-you-must-understand-before-buying-medical-insurance#webpage\",\"url\":\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/key-terms-you-must-understand-before-buying-medical-insurance\",\"name\":\"Medical Insurance Key Terms That You Must Understand\",\"isPartOf\":{\"@id\":\"https:\/\/bjak.my\/blog\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/key-terms-you-must-understand-before-buying-medical-insurance#primaryimage\"},\"datePublished\":\"2021-08-17T06:12:17+00:00\",\"dateModified\":\"2026-02-19T07:06:24+00:00\",\"description\":\"Medical insurance terms can be difficult to understand for most of us. Here are key terms you must understand before buying medical insurance\",\"breadcrumb\":{\"@id\":\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/key-terms-you-must-understand-before-buying-medical-insurance#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/key-terms-you-must-understand-before-buying-medical-insurance\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/key-terms-you-must-understand-before-buying-medical-insurance#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/bjak.my\/blog\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Key Terms You Must Understand Before Buying Medical Insurance\"}]},{\"@type\":\"Article\",\"@id\":\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/key-terms-you-must-understand-before-buying-medical-insurance#article\",\"isPartOf\":{\"@id\":\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/key-terms-you-must-understand-before-buying-medical-insurance#webpage\"},\"author\":{\"@id\":\"https:\/\/bjak.my\/blog\/#\/schema\/person\/2148b0932ef951cefa0239779b028af4\"},\"headline\":\"Key Terms You Must Understand Before Buying Medical Insurance\",\"datePublished\":\"2021-08-17T06:12:17+00:00\",\"dateModified\":\"2026-02-19T07:06:24+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/key-terms-you-must-understand-before-buying-medical-insurance#webpage\"},\"wordCount\":647,\"publisher\":{\"@id\":\"https:\/\/bjak.my\/blog\/#organization\"},\"image\":{\"@id\":\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/key-terms-you-must-understand-before-buying-medical-insurance#primaryimage\"},\"thumbnailUrl\":\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/08\/en5.jpg?fit=800%2C400&ssl=1\",\"keywords\":[\"EN\",\"Insurance Premium\",\"Life Insurance\",\"Medical Bills\",\"Medical Insurance\"],\"articleSection\":[\"Life and Medical Insurance\"],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/bjak.my\/blog\/#\/schema\/person\/2148b0932ef951cefa0239779b028af4\",\"name\":\"Nur Adilah\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/bjak.my\/blog\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/b7485180c4d29781404386d368bd692f?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/b7485180c4d29781404386d368bd692f?s=96&d=mm&r=g\",\"caption\":\"Nur Adilah\"},\"description\":\"Nur Adilah enjoys writing as a hobby and profession.\",\"url\":\"https:\/\/bjak.my\/blog\/author\/nuradilahramli123\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Medical Insurance Key Terms That You Must Understand","description":"Medical insurance terms can be difficult to understand for most of us. Here are key terms you must understand before buying medical insurance","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/key-terms-you-must-understand-before-buying-medical-insurance","og_locale":"en_US","og_type":"article","og_title":"Medical Insurance Key Terms That You Must Understand","og_description":"Medical insurance terms can be difficult to understand for most of us. Here are key terms you must understand before buying medical insurance","og_url":"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/key-terms-you-must-understand-before-buying-medical-insurance","og_site_name":"BJAK","article_publisher":"https:\/\/www.facebook.com\/bjak.my","article_published_time":"2021-08-17T06:12:17+00:00","article_modified_time":"2026-02-19T07:06:24+00:00","og_image":[{"width":800,"height":400,"url":"https:\/\/bjak.my\/blog\/wp-content\/uploads\/2021\/08\/en5.jpg","type":"image\/jpeg"}],"twitter_card":"summary_large_image","twitter_creator":"@bjakmy","twitter_site":"@bjakmy","twitter_misc":{"Written by":"Nur Adilah","Est. reading time":"3 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Organization","@id":"https:\/\/bjak.my\/blog\/#organization","name":"Bjak","url":"https:\/\/bjak.my\/blog\/","sameAs":["https:\/\/www.facebook.com\/bjak.my","https:\/\/www.instagram.com\/bjak.my","https:\/\/www.linkedin.com\/company\/14607755\/admin\/","https:\/\/twitter.com\/bjakmy"],"logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/bjak.my\/blog\/#\/schema\/logo\/image\/","url":"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/logo.png?fit=756%2C756&ssl=1","contentUrl":"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/logo.png?fit=756%2C756&ssl=1","width":756,"height":756,"caption":"Bjak"},"image":{"@id":"https:\/\/bjak.my\/blog\/#\/schema\/logo\/image\/"}},{"@type":"WebSite","@id":"https:\/\/bjak.my\/blog\/#website","url":"https:\/\/bjak.my\/blog\/","name":"BJAK","description":"Renew your car and motor insurance at the lowest price! Fastest way to renew in Malaysia!","publisher":{"@id":"https:\/\/bjak.my\/blog\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/bjak.my\/blog\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"en-US"},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/key-terms-you-must-understand-before-buying-medical-insurance#primaryimage","url":"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/08\/en5.jpg?fit=800%2C400&ssl=1","contentUrl":"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/08\/en5.jpg?fit=800%2C400&ssl=1","width":800,"height":400},{"@type":"WebPage","@id":"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/key-terms-you-must-understand-before-buying-medical-insurance#webpage","url":"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/key-terms-you-must-understand-before-buying-medical-insurance","name":"Medical Insurance Key Terms That You Must Understand","isPartOf":{"@id":"https:\/\/bjak.my\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/key-terms-you-must-understand-before-buying-medical-insurance#primaryimage"},"datePublished":"2021-08-17T06:12:17+00:00","dateModified":"2026-02-19T07:06:24+00:00","description":"Medical insurance terms can be difficult to understand for most of us. Here are key terms you must understand before buying medical insurance","breadcrumb":{"@id":"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/key-terms-you-must-understand-before-buying-medical-insurance#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/bjak.my\/blog\/life-and-medical-insurance\/key-terms-you-must-understand-before-buying-medical-insurance"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/key-terms-you-must-understand-before-buying-medical-insurance#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/bjak.my\/blog\/"},{"@type":"ListItem","position":2,"name":"Key Terms You Must Understand Before Buying Medical Insurance"}]},{"@type":"Article","@id":"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/key-terms-you-must-understand-before-buying-medical-insurance#article","isPartOf":{"@id":"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/key-terms-you-must-understand-before-buying-medical-insurance#webpage"},"author":{"@id":"https:\/\/bjak.my\/blog\/#\/schema\/person\/2148b0932ef951cefa0239779b028af4"},"headline":"Key Terms You Must Understand Before Buying Medical Insurance","datePublished":"2021-08-17T06:12:17+00:00","dateModified":"2026-02-19T07:06:24+00:00","mainEntityOfPage":{"@id":"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/key-terms-you-must-understand-before-buying-medical-insurance#webpage"},"wordCount":647,"publisher":{"@id":"https:\/\/bjak.my\/blog\/#organization"},"image":{"@id":"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/key-terms-you-must-understand-before-buying-medical-insurance#primaryimage"},"thumbnailUrl":"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/08\/en5.jpg?fit=800%2C400&ssl=1","keywords":["EN","Insurance Premium","Life Insurance","Medical Bills","Medical Insurance"],"articleSection":["Life and Medical Insurance"],"inLanguage":"en-US"},{"@type":"Person","@id":"https:\/\/bjak.my\/blog\/#\/schema\/person\/2148b0932ef951cefa0239779b028af4","name":"Nur Adilah","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/bjak.my\/blog\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/b7485180c4d29781404386d368bd692f?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/b7485180c4d29781404386d368bd692f?s=96&d=mm&r=g","caption":"Nur Adilah"},"description":"Nur Adilah enjoys writing as a hobby and profession.","url":"https:\/\/bjak.my\/blog\/author\/nuradilahramli123"}]}},"jetpack_featured_media_url":"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/08\/en5.jpg?fit=800%2C400&ssl=1","_links":{"self":[{"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/posts\/416"}],"collection":[{"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/users\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/comments?post=416"}],"version-history":[{"count":13,"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/posts\/416\/revisions"}],"predecessor-version":[{"id":59187,"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/posts\/416\/revisions\/59187"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/media\/1918"}],"wp:attachment":[{"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/media?parent=416"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/categories?post=416"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/tags?post=416"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}