{"id":4686,"date":"2021-09-28T13:09:43","date_gmt":"2021-09-28T05:09:43","guid":{"rendered":"https:\/\/bjak.com\/blog\/?p=4686"},"modified":"2026-02-07T13:00:37","modified_gmt":"2026-02-07T05:00:37","slug":"things-you-need-to-know-about-medical-card","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/things-you-need-to-know-about-medical-card","title":{"rendered":"Things you need to know about medical card"},"content":{"rendered":"\n<p>Planning to get a medical card for yourself or your family? Before committing to any plan, it\u2019s important to understand the key features, benefits, limitations and requirements of medical cards so you can make the <strong>right choice for your health and finances<\/strong>.<\/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-69d77e42c0ed0\" 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-69d77e42c0ed0\"><\/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\/things-you-need-to-know-about-medical-card\/#What_is_a_medical_card\" title=\"What is a medical card?\">What is a medical card?<\/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\/things-you-need-to-know-about-medical-card\/#What_are_the_differences_between_a_standalone_medical_card_and_a_medical_rider\" title=\"What are the differences between a standalone medical card and a medical rider?\">What are the differences between a standalone medical card and a medical rider?<\/a><ul class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/things-you-need-to-know-about-medical-card\/#1_Premium\" title=\"1. Premium\">1. Premium<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/things-you-need-to-know-about-medical-card\/#2_Coverage\" title=\"2. Coverage\">2. Coverage<\/a><\/li><\/ul><\/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\/things-you-need-to-know-about-medical-card\/#Important_Things_to_Know_About_Medical_Cards\" title=\"Important Things to Know About Medical Cards\">Important Things to Know About Medical Cards<\/a><ul class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/things-you-need-to-know-about-medical-card\/#1_Annual_and_Lifetime_Limits\" title=\"1. Annual and Lifetime Limits\">1. Annual and Lifetime Limits<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/things-you-need-to-know-about-medical-card\/#2_Age_Limit\" title=\"2. Age Limit\">2. Age Limit<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/things-you-need-to-know-about-medical-card\/#3_Panel_Hospitals\" title=\"3. Panel Hospitals\">3. Panel Hospitals<\/a><\/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\/things-you-need-to-know-about-medical-card\/#4_Family_Coverage_Options\" title=\"4. Family Coverage Options\">4. Family Coverage Options<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/things-you-need-to-know-about-medical-card\/#5_Waiting_Period\" title=\"5. Waiting Period\">5. Waiting Period<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/things-you-need-to-know-about-medical-card\/#6_Premium\" title=\"6. Premium\">6. Premium<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/things-you-need-to-know-about-medical-card\/#7_Exclusions\" title=\"7. Exclusions\">7. Exclusions<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/things-you-need-to-know-about-medical-card\/#8_Hospital_Room_Board_Limits\" title=\"8. Hospital Room &amp; Board Limits\">8. Hospital Room &amp; Board Limits<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/things-you-need-to-know-about-medical-card\/#9_Deductibles\" title=\"9. Deductibles\">9. Deductibles<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/things-you-need-to-know-about-medical-card\/#10_Guaranteed_Renewal\" title=\"10. Guaranteed Renewal\">10. Guaranteed Renewal<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/things-you-need-to-know-about-medical-card\/#Modern_Considerations\" title=\"Modern Considerations \">Modern Considerations <\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/things-you-need-to-know-about-medical-card\/#Conclusion\" title=\"Conclusion\">Conclusion<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/things-you-need-to-know-about-medical-card\/#Conclusion-2\" title=\"Conclusion\">Conclusion<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"What_is_a_medical_card\"><\/span>What is a medical card?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"4757\" data-permalink=\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/things-you-need-to-know-about-medical-card\/attachment\/medicalinsurance-1\" data-orig-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/medicalinsurance-1.webp?fit=1368%2C912&amp;ssl=1\" data-orig-size=\"1368,912\" data-comments-opened=\"0\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"medicalinsurance-1\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/medicalinsurance-1.webp?fit=300%2C200&amp;ssl=1\" data-large-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/medicalinsurance-1.webp?fit=1024%2C683&amp;ssl=1\" loading=\"lazy\" width=\"1024\" height=\"683\" src=\"https:\/\/i0.wp.com\/bjak.com\/blog\/wp-content\/uploads\/2021\/09\/medicalinsurance-1-1024x683.webp?resize=1024%2C683&#038;ssl=1\" alt=\"\" class=\"wp-image-4757\" srcset=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/medicalinsurance-1.webp?resize=1024%2C683&amp;ssl=1 1024w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/medicalinsurance-1.webp?resize=300%2C200&amp;ssl=1 300w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/medicalinsurance-1.webp?resize=768%2C512&amp;ssl=1 768w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/medicalinsurance-1.webp?w=1368&amp;ssl=1 1368w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<p>A <em>medical card<\/em> is a type of health insurance that helps cover your <strong>hospitalisation and medical expenses<\/strong> as specified in your policy. You pay regular premiums, and in return the insurer pays eligible medical costs up to your policy limits.<\/p>\n\n\n\n<p>There are <strong>two main types of medical card arrangements<\/strong>:<\/p>\n\n\n\n<ul><li><strong>Standalone Medical Card<\/strong> \u2013 A dedicated medical insurance policy that provides health coverage as long as you pay premiums.<br><\/li><\/ul>\n\n\n\n<p><strong>Medical Rider<\/strong> \u2013 An add-on to another policy (usually life or investment linked), which may offer additional benefits like cash value or premium stability.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"What_are_the_differences_between_a_standalone_medical_card_and_a_medical_rider\"><\/span>What are the differences between a standalone medical card and a medical rider?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>These are the primary differences between a standalone medical card and a medical rider:<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"1_Premium\"><\/span>1. Premium<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Premium is the amount that the policyholder periodically pays to the insurance company in order to enjoy the insurance coverage.<\/p>\n\n\n\n<p>For a<strong> standalone medical card<\/strong>, <strong>the premium is lower but increases<\/strong> based on the policyholder\u2019s age and Malaysia\u2019s medical inflation rate. Higher medical costs may result in higher premiums.&nbsp;<\/p>\n\n\n\n<p>For a<strong> medical rider<\/strong>, <strong>the premium is higher especially during the first few years<\/strong>, to cover the higher premium for the coverage in the future. <strong>The upside is the premium for this policy does not increase every year as it is not affected by medical inflation<\/strong>. The amount of the extra premium paid during the first few years will cover the higher medical costs in the future. For a medical rider attached to an investment policy, at least 46% of the premium left after deducting the insurance charges will be injected into the insurance company\u2019s fund for investment.&nbsp;<\/p>\n\n\n\n<p>For example, at age 50, your yearly premium for your medical card (as a rider) is RM3,000. Instead of having to pay RM3,000, you only have to pay RM2,500 as RM500 of the premium has been covered by the extra premiums that you have paid in the first few years.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"2_Coverage\"><\/span>2. Coverage<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p><a href=\"https:\/\/www.investopedia.com\/terms\/i\/insurance-coverage.asp\">Insurance coverage<\/a> is the amount of risk or liability that is covered for an individual by the insurance provider.&nbsp;<\/p>\n\n\n\n<p>For a standalone medical card, your insurance will stop covering you once you stop paying the premium.<\/p>\n\n\n\n<p>For an investment-linked policy, riders such as medical card, life insurance and critical illness insurance are usually bundled together. Unlike a standalone medical card, a comprehensive and investment-linked policy may gain cash value over time. Because of the cash value, a comprehensive and investment-linked policy will not be easily terminated. The medical card will continue to insure the policyholder as the extra premium paid still covers the medical insurance cost.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Important_Things_to_Know_About_Medical_Cards\"><\/span><strong>Important Things to Know About Medical Cards<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-full\"><img data-attachment-id=\"4760\" data-permalink=\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/things-you-need-to-know-about-medical-card\/attachment\/befunky-collage-31-2\" data-orig-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/BeFunky-collage-31-2.jpg?fit=800%2C400&amp;ssl=1\" data-orig-size=\"800,400\" data-comments-opened=\"0\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;1&quot;}\" data-image-title=\"BeFunky-collage-31-2\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/BeFunky-collage-31-2.jpg?fit=300%2C150&amp;ssl=1\" data-large-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/BeFunky-collage-31-2.jpg?fit=800%2C400&amp;ssl=1\" loading=\"lazy\" width=\"800\" height=\"400\" src=\"https:\/\/i1.wp.com\/bjak.com\/blog\/wp-content\/uploads\/2021\/09\/BeFunky-collage-31-2.jpg?resize=800%2C400&#038;ssl=1\" alt=\"\" class=\"wp-image-4760\" srcset=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/BeFunky-collage-31-2.jpg?w=800&amp;ssl=1 800w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/BeFunky-collage-31-2.jpg?resize=300%2C150&amp;ssl=1 300w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/BeFunky-collage-31-2.jpg?resize=768%2C384&amp;ssl=1 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<p>Based on the broad differences between a standalone medical card and a medical rider, you can see that a medical rider that is attached to a comprehensive policy offers better coverage. However, do note that insurance companies offer a variety of plans. These are a few important things you need to know about medical card before committing to any plan.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"1_Annual_and_Lifetime_Limits\"><\/span><strong>1. Annual and Lifetime Limits<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>The <strong>annual limit<\/strong> is the maximum amount the insurer will pay in one policy year, while the <strong>lifetime limit<\/strong> is the total amount payable across the entire policy term. Higher limits offer stronger protection but may come with higher premiums. Unlimited limits are also available on some plans.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"2_Age_Limit\"><\/span><strong>2. Age Limit<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Insurers may set age bands for entry and renewal. Some policies stop accepting new applicants after a certain age, and may renew coverage only up to a maximum age (e.g., 70 or 80). Always check these limits before buying a policy.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"3_Panel_Hospitals\"><\/span><strong>3. Panel Hospitals<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Panel hospitals are medical facilities that have direct billing arrangements with the insurer for cashless claims. A broader panel network gives you more flexibility in choosing where to seek treatment.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"4_Family_Coverage_Options\"><\/span><strong>4. Family Coverage Options<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Many plans allow you to cover your spouse and children under one policy. Some insurers even allow coverage for children born after the policy starts (up to specific limits). Make sure you understand the family terms before committing.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"5_Waiting_Period\"><\/span><strong>5. Waiting Period<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>A waiting period is the time you must wait before making claims for certain benefits after the policy starts. Policies commonly have waiting periods between <strong>30\u201390 days<\/strong>, and some offer <em>no waiting period<\/em> for certain benefits.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"6_Premium\"><\/span><strong>6. Premium<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Your premium is the amount you pay for insurance coverage \u2014 usually monthly or annually. Consistent premium payments are essential; missed payments can cause your policy to lapse and you may lose benefits.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"7_Exclusions\"><\/span><strong>7. Exclusions<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Every medical card has <strong>exclusions<\/strong> \u2014 situations the policy won\u2019t cover. Common exclusions include pre-existing conditions (unless otherwise stated), cosmetic procedures, or treatments outside the panel hospital network. Always read the fine print.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"8_Hospital_Room_Board_Limits\"><\/span><strong>8. Hospital Room &amp; Board Limits<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>This refers to how much your plan will pay per day for your hospital stay based on room type (standard, private, deluxe). Higher room limits generally cost more in premium but give better comfort and choice.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"9_Deductibles\"><\/span><strong>9. Deductibles<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>A <strong>deductible<\/strong> is the amount you must pay out-of-pocket before your insurer begins paying. Plans with higher deductibles usually have lower premiums, while <em>zero deductible<\/em> plans cost more but reduce your upfront expenses at claim time.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"10_Guaranteed_Renewal\"><\/span><strong>10. Guaranteed Renewal<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Most medical cards come with <strong>guaranteed renewable terms<\/strong> \u2014 meaning the insurer must renew your policy as long as premiums are paid on time, subject to age and lifetime limit conditions. This protects you even as you get older, though premium rates may still change.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Modern_Considerations\"><\/span><strong>Modern Considerations <\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Here are a few additional factors worth knowing in today\u2019s context:<\/p>\n\n\n\n<ul><li><strong>Medical Inflation Impacts Premiums<\/strong> \u2013 Rapid increases in healthcare costs mean premiums may rise over time, especially for standalone plans.<\/li><li><strong>Outpatient &amp; Specialist Benefits<\/strong> \u2013 Some plans now cover specialist consultations and outpatient procedures, not just hospital admissions.<\/li><li><strong>Emergency Evacuation &amp; Daily Cash<\/strong> \u2013 Certain medical cards include emergency evacuation or daily hospital cash benefits for non-medical expenses like transport or caregiver costs.<\/li><\/ul>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span>Conclusion<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-full\"><img data-attachment-id=\"4758\" data-permalink=\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/things-you-need-to-know-about-medical-card\/attachment\/pexels-michelle-leman-6798907\" data-orig-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/pexels-michelle-leman-6798907.jpg?fit=800%2C400&amp;ssl=1\" data-orig-size=\"800,400\" data-comments-opened=\"0\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"pexels-michelle-leman-6798907\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/pexels-michelle-leman-6798907.jpg?fit=300%2C150&amp;ssl=1\" data-large-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/pexels-michelle-leman-6798907.jpg?fit=800%2C400&amp;ssl=1\" loading=\"lazy\" width=\"800\" height=\"400\" src=\"https:\/\/i2.wp.com\/bjak.com\/blog\/wp-content\/uploads\/2021\/09\/pexels-michelle-leman-6798907.jpg?resize=800%2C400&#038;ssl=1\" alt=\"\" class=\"wp-image-4758\" srcset=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/pexels-michelle-leman-6798907.jpg?w=800&amp;ssl=1 800w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/pexels-michelle-leman-6798907.jpg?resize=300%2C150&amp;ssl=1 300w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/pexels-michelle-leman-6798907.jpg?resize=768%2C384&amp;ssl=1 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Conclusion-2\"><\/span><strong>Conclusion<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>A medical card can be a powerful tool for protecting both your <strong>health and financial wellbeing<\/strong> from expensive medical bills. Before choosing a plan, take the time to understand limits, waiting periods, panel networks, deductibles, exclusions and your own needs \u2014 so you pick the coverage that truly fits your life in <em>2026 and beyond<\/em>.<\/p>\n\n\n\n<p>If you need help comparing medical cards or want unbiased personalised advice, BJAK\u2019s insurance experts are ready to assist you.<\/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=things-you-need-to-know-about-medical-card\">Get Your Free Quotation<\/a><\/div>\n<\/div>\n\n\n\n<p>(Source: <a href=\"https:\/\/www.investopedia.com\/terms\/i\/insurance-coverage.asp\">Investopedia<\/a>)<\/p>\n","protected":false},"excerpt":{"rendered":"<p>A medical card is in place to protect your health and finance.<\/p>\n<p>Learn in this article the different types of medical cards and other important things you need to know about medical card. <\/p>\n","protected":false},"author":5,"featured_media":4692,"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":[42,59,74,322,143],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Things you need to know about medical card | BJAK<\/title>\n<meta name=\"description\" content=\"A medical card protects your health and finance. Learn in this article the two types of medical cards and other things you need to know about medical card.\" \/>\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\/things-you-need-to-know-about-medical-card\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Things you need to know about medical card | BJAK\" \/>\n<meta property=\"og:description\" content=\"A medical card protects your health and finance. Learn in this article the two types of medical cards and other things you need to know about medical card.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/things-you-need-to-know-about-medical-card\" \/>\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=\"2021-09-28T05:09:43+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-02-07T05:00:37+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/online-marketing-hIgeoQjS_iE-unsplash.jpg?fit=640%2C360&#038;ssl=1\" \/>\n\t<meta property=\"og:image:width\" content=\"640\" \/>\n\t<meta property=\"og:image:height\" content=\"360\" \/>\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=\"6 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\/things-you-need-to-know-about-medical-card#primaryimage\",\"url\":\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/online-marketing-hIgeoQjS_iE-unsplash.jpg?fit=640%2C360&ssl=1\",\"contentUrl\":\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/online-marketing-hIgeoQjS_iE-unsplash.jpg?fit=640%2C360&ssl=1\",\"width\":640,\"height\":360,\"caption\":\"A medical card covers your hospitalization and medical bills.\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/things-you-need-to-know-about-medical-card#webpage\",\"url\":\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/things-you-need-to-know-about-medical-card\",\"name\":\"Things you need to know about medical card | BJAK\",\"isPartOf\":{\"@id\":\"https:\/\/bjak.my\/blog\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/things-you-need-to-know-about-medical-card#primaryimage\"},\"datePublished\":\"2021-09-28T05:09:43+00:00\",\"dateModified\":\"2026-02-07T05:00:37+00:00\",\"description\":\"A medical card protects your health and finance. Learn in this article the two types of medical cards and other things you need to know about medical card.\",\"breadcrumb\":{\"@id\":\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/things-you-need-to-know-about-medical-card#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/things-you-need-to-know-about-medical-card\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/things-you-need-to-know-about-medical-card#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/bjak.my\/blog\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Things you need to know about medical card\"}]},{\"@type\":\"Article\",\"@id\":\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/things-you-need-to-know-about-medical-card#article\",\"isPartOf\":{\"@id\":\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/things-you-need-to-know-about-medical-card#webpage\"},\"author\":{\"@id\":\"https:\/\/bjak.my\/blog\/#\/schema\/person\/2148b0932ef951cefa0239779b028af4\"},\"headline\":\"Things you need to know about medical card\",\"datePublished\":\"2021-09-28T05:09:43+00:00\",\"dateModified\":\"2026-02-07T05:00:37+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/things-you-need-to-know-about-medical-card#webpage\"},\"wordCount\":1100,\"publisher\":{\"@id\":\"https:\/\/bjak.my\/blog\/#organization\"},\"image\":{\"@id\":\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/things-you-need-to-know-about-medical-card#primaryimage\"},\"thumbnailUrl\":\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/online-marketing-hIgeoQjS_iE-unsplash.jpg?fit=640%2C360&ssl=1\",\"keywords\":[\"Coverage\",\"EN\",\"Health Insurance\",\"Medical Card\",\"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":"Things you need to know about medical card | BJAK","description":"A medical card protects your health and finance. Learn in this article the two types of medical cards and other things you need to know about medical card.","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\/things-you-need-to-know-about-medical-card","og_locale":"en_US","og_type":"article","og_title":"Things you need to know about medical card | BJAK","og_description":"A medical card protects your health and finance. Learn in this article the two types of medical cards and other things you need to know about medical card.","og_url":"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/things-you-need-to-know-about-medical-card","og_site_name":"BJAK","article_publisher":"https:\/\/www.facebook.com\/bjak.my","article_published_time":"2021-09-28T05:09:43+00:00","article_modified_time":"2026-02-07T05:00:37+00:00","og_image":[{"width":640,"height":360,"url":"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/online-marketing-hIgeoQjS_iE-unsplash.jpg?fit=640%2C360&ssl=1","type":"image\/jpeg"}],"twitter_card":"summary_large_image","twitter_creator":"@bjakmy","twitter_site":"@bjakmy","twitter_misc":{"Written by":"Nur Adilah","Est. reading time":"6 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\/things-you-need-to-know-about-medical-card#primaryimage","url":"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/online-marketing-hIgeoQjS_iE-unsplash.jpg?fit=640%2C360&ssl=1","contentUrl":"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/online-marketing-hIgeoQjS_iE-unsplash.jpg?fit=640%2C360&ssl=1","width":640,"height":360,"caption":"A medical card covers your hospitalization and medical bills."},{"@type":"WebPage","@id":"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/things-you-need-to-know-about-medical-card#webpage","url":"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/things-you-need-to-know-about-medical-card","name":"Things you need to know about medical card | BJAK","isPartOf":{"@id":"https:\/\/bjak.my\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/things-you-need-to-know-about-medical-card#primaryimage"},"datePublished":"2021-09-28T05:09:43+00:00","dateModified":"2026-02-07T05:00:37+00:00","description":"A medical card protects your health and finance. Learn in this article the two types of medical cards and other things you need to know about medical card.","breadcrumb":{"@id":"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/things-you-need-to-know-about-medical-card#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/bjak.my\/blog\/life-and-medical-insurance\/things-you-need-to-know-about-medical-card"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/things-you-need-to-know-about-medical-card#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/bjak.my\/blog\/"},{"@type":"ListItem","position":2,"name":"Things you need to know about medical card"}]},{"@type":"Article","@id":"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/things-you-need-to-know-about-medical-card#article","isPartOf":{"@id":"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/things-you-need-to-know-about-medical-card#webpage"},"author":{"@id":"https:\/\/bjak.my\/blog\/#\/schema\/person\/2148b0932ef951cefa0239779b028af4"},"headline":"Things you need to know about medical card","datePublished":"2021-09-28T05:09:43+00:00","dateModified":"2026-02-07T05:00:37+00:00","mainEntityOfPage":{"@id":"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/things-you-need-to-know-about-medical-card#webpage"},"wordCount":1100,"publisher":{"@id":"https:\/\/bjak.my\/blog\/#organization"},"image":{"@id":"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/things-you-need-to-know-about-medical-card#primaryimage"},"thumbnailUrl":"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/online-marketing-hIgeoQjS_iE-unsplash.jpg?fit=640%2C360&ssl=1","keywords":["Coverage","EN","Health Insurance","Medical Card","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\/09\/online-marketing-hIgeoQjS_iE-unsplash.jpg?fit=640%2C360&ssl=1","_links":{"self":[{"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/posts\/4686"}],"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=4686"}],"version-history":[{"count":22,"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/posts\/4686\/revisions"}],"predecessor-version":[{"id":59123,"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/posts\/4686\/revisions\/59123"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/media\/4692"}],"wp:attachment":[{"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/media?parent=4686"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/categories?post=4686"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/tags?post=4686"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}