{"id":4314,"date":"2021-09-27T19:46:21","date_gmt":"2021-09-27T11:46:21","guid":{"rendered":"https:\/\/bjak.com\/blog\/?p=4314"},"modified":"2026-02-07T13:11:05","modified_gmt":"2026-02-07T05:11:05","slug":"tips-before-buying-a-medical-insurance-plan","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/tips-before-buying-a-medical-insurance-plan","title":{"rendered":"Tips before buying a medical insurance plan"},"content":{"rendered":"\n<p>Medical insurance is one of the most important financial protections you can secure for yourself and your family. Healthcare costs continue to rise in Malaysia and around the world, so choosing the right plan can save you from expensive bills down the road. Here\u2019s a refreshed set of practical tips to help you make a smart decision when buying medical insurance.<\/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-69d750a7cd77e\" 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-69d750a7cd77e\"><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><ul class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/tips-before-buying-a-medical-insurance-plan\/#What_is_medical_insurance\" title=\"What is medical insurance?\">What is medical insurance?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/tips-before-buying-a-medical-insurance-plan\/#Useful_Tips_Before_Buying_Medical_Insurance\" title=\"Useful Tips Before Buying Medical Insurance\">Useful Tips Before Buying Medical Insurance<\/a><ul class='ez-toc-list-level-4'><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/tips-before-buying-a-medical-insurance-plan\/#1_Know_the_Waiting_Periods\" title=\"1. Know the Waiting Periods\">1. Know the Waiting Periods<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/tips-before-buying-a-medical-insurance-plan\/#2_Understand_Policy_Exclusions\" title=\"2. Understand Policy Exclusions\">2. Understand Policy Exclusions<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/tips-before-buying-a-medical-insurance-plan\/#3_Check_the_List_of_Network_Hospitals\" title=\"3. Check the List of Network Hospitals\">3. Check the List of Network Hospitals<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/tips-before-buying-a-medical-insurance-plan\/#4_Compare_Annual_and_Lifetime_Limits\" title=\"4. Compare Annual and Lifetime Limits\">4. Compare Annual and Lifetime Limits<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/tips-before-buying-a-medical-insurance-plan\/#5_Look_at_Deductibles_and_Co%E2%80%91Insurance\" title=\"5. Look at Deductibles and Co\u2011Insurance\">5. Look at Deductibles and Co\u2011Insurance<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/tips-before-buying-a-medical-insurance-plan\/#Co-insurance\" title=\"Co-insurance\">Co-insurance<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/tips-before-buying-a-medical-insurance-plan\/#6_Choose_Coverage_That_Fits_Your_Budget_and_Needs\" title=\"6. Choose Coverage That Fits Your Budget and Needs\">6. Choose Coverage That Fits Your Budget and Needs<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/tips-before-buying-a-medical-insurance-plan\/#Bonus_Tip_Get_Professional_Guidance\" title=\"Bonus Tip: Get Professional Guidance\">Bonus Tip: Get Professional Guidance<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/tips-before-buying-a-medical-insurance-plan\/#Conclusion\" title=\"Conclusion\">Conclusion<\/a><\/li><\/ul><\/nav><\/div>\n<h3><span class=\"ez-toc-section\" id=\"What_is_medical_insurance\"><\/span><strong>What is medical insurance?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<figure class=\"wp-block-image size-large\"><img src=\"https:\/\/i2.wp.com\/josephmuciraexclusives.com\/wp-content\/uploads\/2018\/08\/Health-Medical-Insurance-Cover.jpg?w=1200&#038;ssl=1\" alt=\"\" data-recalc-dims=\"1\"\/><\/figure>\n\n\n\n<p>Medical insurance helps cover most or all medical expenses you may incur from hospital stays, surgeries, consultations, and related treatment costs \u2014 depending on your plan\u2019s limits and benefits. The total coverage you can claim generally depends on your <strong>annual limit<\/strong> and <strong>lifetime limit<\/strong>.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Useful_Tips_Before_Buying_Medical_Insurance\"><\/span><strong><strong>Useful Tips Before Buying Medical Insurance<\/strong><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<h4><span class=\"ez-toc-section\" id=\"1_Know_the_Waiting_Periods\"><\/span><strong><strong>1. Know the Waiting Periods<\/strong><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<figure class=\"wp-block-image size-large\"><img src=\"https:\/\/i2.wp.com\/static.imoney.my\/articles\/wp-content\/uploads\/2017\/09\/20170908-infographicMalaysia-Client-GE-Takaful-Myths-for-Denied-Takaful-Claims4-03-1.png?w=1200&#038;ssl=1\" alt=\"\" data-recalc-dims=\"1\"\/><figcaption><a href=\"https:\/\/www.imoney.my\/articles\/denied-takaful-claims\">Source<\/a><\/figcaption><\/figure>\n\n\n\n<p>A <strong>waiting period<\/strong> is the time from when your policy starts until you can begin making claims. Most medical plans in Malaysia have waiting periods before full coverage begins \u2014 often between about <strong>30\u201390 days<\/strong> for general coverage, and longer (up to a year or more) for certain conditions. Always check this before you buy.<\/p>\n\n\n\n<p>Shorter waiting periods mean you can claim sooner \u2014 especially important if you expect to use your plan quickly.<\/p>\n\n\n\n<h4><span class=\"ez-toc-section\" id=\"2_Understand_Policy_Exclusions\"><\/span><strong><strong>2. Understand Policy Exclusions<\/strong><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<figure class=\"wp-block-image size-large is-resized\"><img loading=\"lazy\" src=\"https:\/\/lh3.googleusercontent.com\/proxy\/muSN7nJjZaSx47B3Vs65zl6hiYlyh4Y2w2H3kqJOl_NCwY0wDJrbAcx1BjJiY22Twt4GTHurqAGaiDAlzdq3Bs6Ai_RQ3tKjM0_x1OQW584cK-XfnNExN1_AOZ_IV9sMxff7xEQ\" alt=\"\" width=\"627\" height=\"420\"\/><\/figure>\n\n\n\n<p>Every medical insurance plan has <strong>exclusions<\/strong> \u2014 conditions or scenarios the plan will not cover. Typical exclusions include:<\/p>\n\n\n\n<ul><li>Pre\u2011existing conditions for a defined period<br><\/li><li>Injuries from self\u2011harm or attempted suicide<br><\/li><li>Elective cosmetic procedures<br><\/li><\/ul>\n\n\n\n<p>Make sure you read the <em>exclusions<\/em> section of the policy carefully and understand what is and isn\u2019t covered.<\/p>\n\n\n\n<h4><span class=\"ez-toc-section\" id=\"3_Check_the_List_of_Network_Hospitals\"><\/span><strong><strong>3. Check the List of Network Hospitals<\/strong><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<figure class=\"wp-block-image size-large\"><img src=\"https:\/\/i1.wp.com\/www.insurancegraphy.com\/wp-content\/uploads\/2020\/08\/Network-and-Non-Network-Hospitals.png?w=1200&#038;ssl=1\" alt=\"\" data-recalc-dims=\"1\"\/><\/figure>\n\n\n\n<p>Many medical plans offer <strong>cashless treatment<\/strong> at <em>network hospitals<\/em>, meaning you don\u2019t have to pay the hospital bill upfront. If your preferred hospital is not on the insurer\u2019s panel, you may have to pay first and claim later. Check the network list carefully to make sure you can access cashless benefits where you are likely to seek treatment.<\/p>\n\n\n\n<h4><span class=\"ez-toc-section\" id=\"4_Compare_Annual_and_Lifetime_Limits\"><\/span><strong><strong>4. Compare Annual and Lifetime Limits<\/strong><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<ul><li><strong>Annual limit<\/strong> \u2014 the maximum amount you can claim in a year.<br><\/li><li><strong>Lifetime limit<\/strong> \u2014 the maximum total amount you can claim over the entire policy term.<br><\/li><\/ul>\n\n\n\n<p>Higher limits generally mean better protection but higher premiums, so choose based on your financial capacity and risk tolerance.<\/p>\n\n\n\n<h4><span class=\"ez-toc-section\" id=\"5_Look_at_Deductibles_and_Co%E2%80%91Insurance\"><\/span><strong><strong>5. Look at Deductibles and Co\u2011Insurance<\/strong><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<figure class=\"wp-block-image size-large is-resized\"><img loading=\"lazy\" src=\"https:\/\/i1.wp.com\/marketbusinessnews.com\/wp-content\/uploads\/2018\/10\/Deductible.png?resize=490%2C289&amp;ssl=1\" alt=\"\" width=\"621\" height=\"366\"\/><\/figure>\n\n\n\n<p>\u2714 <strong>Deductible<\/strong> \u2014 a fixed amount you pay before the insurer begins paying.<br>\u2714 <strong>Co\u2011insurance<\/strong> \u2014 a percentage you pay of each claim, with the rest covered by the insurer.<\/p>\n\n\n\n<p>A higher deductible or co\u2011insurance percentage usually results in a lower premium, but you must be prepared to pay more out\u2011of\u2011pocket when claiming.<\/p>\n\n\n\n<h4><span class=\"ez-toc-section\" id=\"Co-insurance\"><\/span><strong>Co-insurance<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<figure class=\"wp-block-image size-large is-resized\"><img loading=\"lazy\" src=\"https:\/\/i2.wp.com\/cdn.ramseysolutions.net\/media\/b2b\/elp\/blog\/what-is-coinsurance-infographic.jpg?resize=629%2C315&#038;ssl=1\" alt=\"\" width=\"629\" height=\"315\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"6_Choose_Coverage_That_Fits_Your_Budget_and_Needs\"><\/span><strong>6. Choose Coverage That Fits Your Budget and Needs<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Don\u2019t just buy the cheapest plan \u2014 understand what it covers and whether it meets your needs. Look at benefits like specialist consultations, outpatient treatment, and additional features like emergency evacuation or hospital cash benefits, if available.<\/p>\n\n\n\n<p>A balanced approach is often best: solid coverage for major costs with premiums that don\u2019t strain your budget.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Bonus_Tip_Get_Professional_Guidance\"><\/span><strong>Bonus Tip: Get Professional Guidance<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Insurance contracts can be complex, so don\u2019t hesitate to ask questions to a qualified agent, financial adviser, or healthcare insurance expert. Clarify any terms you don\u2019t understand before signing.<\/p>\n\n\n\n<p>Being informed is the best way to avoid surprises later when you need to use your plan.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span><strong>Conclusion<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Buying medical insurance is a major decision that requires careful thought. By checking waiting periods, understanding exclusions, verifying network hospitals, comparing limits, and balancing deductible and co\u2011insurance terms, you can find a plan that gives you peace of mind <em>without unnecessary expense<\/em>. If you\u2019re unsure where to start, BJAK\u2019s advisors can help you compare options and select a plan tailored to your needs and budget.<\/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=tips-before-buying-a-medical-insurance-plan\">Get Your Free Quotation<\/a><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Medical insurance is one of the most important financial protections you can secure for yourself and your family. Healthcare costs continue to rise in Malaysia and around the world, so choosing the right plan can save you from expensive bills down the road. Here\u2019s a refreshed set of practical tips to help you make a&hellip;&nbsp;<a href=\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/tips-before-buying-a-medical-insurance-plan\" class=\"\" rel=\"bookmark\">Read More &raquo;<span class=\"screen-reader-text\">Tips before buying a medical insurance plan<\/span><\/a><\/p>\n","protected":false},"author":7,"featured_media":4336,"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":[59,73,137,143],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Tips before buying a medical insurance plan | BJAK<\/title>\n<meta name=\"description\" content=\"Buying insurance is one of the major investments in your life and perhaps you would want to consider investing it wisely.\" \/>\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\/tips-before-buying-a-medical-insurance-plan\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Tips before buying a medical insurance plan | BJAK\" \/>\n<meta property=\"og:description\" content=\"Buying insurance is one of the major investments in your life and perhaps you would want to consider investing it wisely.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/tips-before-buying-a-medical-insurance-plan\" \/>\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=\"2021-09-27T11:46:21+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-02-07T05:11:05+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/2016-04-28-2.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=\"Nurul\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 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! 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