{"id":5004,"date":"2021-09-30T14:06:54","date_gmt":"2021-09-30T06:06:54","guid":{"rendered":"https:\/\/bjak.com\/blog\/?p=5004"},"modified":"2026-02-05T17:40:18","modified_gmt":"2026-02-05T09:40:18","slug":"tips-to-choose-the-best-medical-card","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/tips-to-choose-the-best-medical-card","title":{"rendered":"Tips to choose the best medical card"},"content":{"rendered":"\n<p>Choosing the best medical card is a big deal as you would want to get the most out of your insurance. When it comes to medical cards, you are spoiled for choice as there are many plans available in the market. To help you decide, we\u2019ll be sharing a few important tips to choose the best medical card.<br><br>With rising medical costs and evolving insurance structures, these <strong>tips to choose the best medical card<\/strong> remain especially important in 2026 for long-term financial protection.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img data-attachment-id=\"5012\" data-permalink=\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/tips-to-choose-the-best-medical-card\/attachment\/usman-yousaf-atn5xaztrye-unsplash\" data-orig-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/usman-yousaf-atn5XAZtRYE-unsplash.jpg?fit=640%2C427&amp;ssl=1\" data-orig-size=\"640,427\" 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=\"usman-yousaf-atn5XAZtRYE-unsplash\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/usman-yousaf-atn5XAZtRYE-unsplash.jpg?fit=300%2C200&amp;ssl=1\" data-large-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/usman-yousaf-atn5XAZtRYE-unsplash.jpg?fit=640%2C427&amp;ssl=1\" loading=\"lazy\" width=\"640\" height=\"427\" src=\"https:\/\/i1.wp.com\/bjak.com\/blog\/wp-content\/uploads\/2021\/09\/usman-yousaf-atn5XAZtRYE-unsplash.jpg?resize=640%2C427&#038;ssl=1\" alt=\"Choosing the best medical card is a big deal. These are a few important tips to choose the best medical card in Malaysia.\" class=\"wp-image-5012\" srcset=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/usman-yousaf-atn5XAZtRYE-unsplash.jpg?w=640&amp;ssl=1 640w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/usman-yousaf-atn5XAZtRYE-unsplash.jpg?resize=300%2C200&amp;ssl=1 300w\" sizes=\"(max-width: 640px) 100vw, 640px\" data-recalc-dims=\"1\" \/><\/figure>\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-69d76d9765cb4\" 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-69d76d9765cb4\"><\/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\/tips-to-choose-the-best-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\/tips-to-choose-the-best-medical-card\/#Tips_to_choose_the_best_medical_card\" title=\"Tips to choose the best medical card\">Tips to choose the best medical card<\/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\/tips-to-choose-the-best-medical-card\/#1_Look_for_the_highest_annual_and_lifetime_limits\" title=\"1. Look for the highest annual and lifetime limits\">1. Look for the highest 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-4\" href=\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/tips-to-choose-the-best-medical-card\/#2_Choose_a_medical_card_that_covers_pre-hospitalization_consultations_and_tests\" title=\"2. Choose a medical card that covers pre-hospitalization consultations and tests\">2. Choose a medical card that covers pre-hospitalization consultations and tests<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/tips-to-choose-the-best-medical-card\/#3_Choose_a_medical_card_that_covers_post-hospitalization_treatments\" title=\"3. Choose a medical card that covers post-hospitalization treatments\">3. Choose a medical card that covers post-hospitalization treatments<\/a><ul class='ez-toc-list-level-4'><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/tips-to-choose-the-best-medical-card\/#How_long_will_your_medical_card_cover_your_post-hospitalization_treatment\" title=\"How long will your medical card cover your post-hospitalization treatment?\">How long will your medical card cover your post-hospitalization treatment?<\/a><\/li><\/ul><\/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\/tips-to-choose-the-best-medical-card\/#4_Consider_a_medical_card_that_covers_home_nursing_care\" title=\"4. Consider a medical card that covers home nursing care\">4. Consider a medical card that covers home nursing care<\/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\/tips-to-choose-the-best-medical-card\/#5_Consider_the_hospital_room_and_board_cost\" title=\"5. Consider the hospital room and board cost\">5. Consider the hospital room and board cost<\/a><ul class='ez-toc-list-level-4'><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/tips-to-choose-the-best-medical-card\/#How_much_do_different_hospital_rooms_and_boards_cost\" title=\"How much do different hospital rooms and boards cost?\">How much do different hospital rooms and boards cost?<\/a><\/li><\/ul><\/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\/tips-to-choose-the-best-medical-card\/#6_Consider_the_room_and_board_cost_for_the_Intensive_Care_Unit_ICU_and_High_Dependency_Unit_HDU\" title=\"6. Consider the room and board cost for the Intensive Care Unit (ICU) and High Dependency Unit (HDU)\">6. Consider the room and board cost for the Intensive Care Unit (ICU) and High Dependency Unit (HDU)<\/a><ul class='ez-toc-list-level-4'><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/tips-to-choose-the-best-medical-card\/#How_much_do_ICU_and_HDU_rooms_and_boards_cost\" title=\"How much do ICU and HDU rooms and boards cost?\">How much do ICU and HDU rooms and boards cost?<\/a><\/li><\/ul><\/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\/tips-to-choose-the-best-medical-card\/#7_Opt_for_a_medical_card_that_provides_daily_guardian_benefits\" title=\"7. Opt for a medical card that provides daily guardian benefits\">7. Opt for a medical card that provides daily guardian benefits<\/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\/tips-to-choose-the-best-medical-card\/#8_Choose_a_medical_card_that_best_meets_your_needs_and_budget\" title=\"8. Choose a medical card that best meets your needs and budget\">8. Choose a medical card that best meets your needs and budget<\/a><ul class='ez-toc-list-level-4'><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/tips-to-choose-the-best-medical-card\/#How_much_should_you_spend_on_your_medical_card\" title=\"How much should you spend on your medical card?\">How much should you spend on your medical card?<\/a><\/li><\/ul><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/tips-to-choose-the-best-medical-card\/#Conclusion\" 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<p>Before you purchase a medical card, it only makes sense if you first understand what a medical card is.<\/p>\n\n\n\n<p>A medical card is an insurance plan that pays for your hospital admission, surgeries or medical treatments according to your policy. In order to enjoy the coverage, you have to pay an amount (called premium) to your insurance provider either monthly, quarterly, half-yearly or yearly depending on your payment mode.&nbsp;<\/p>\n\n\n\n<p>Depending on your selected policy, these are two plans that will give you different types of compensation:<\/p>\n\n\n\n<p><strong>1. Hospitalization and surgical plan<\/strong>. This insurance pays for your hospital admission, surgeries and medical treatment bills.<\/p>\n\n\n\n<p><strong>2. Hospital income plan<\/strong>. Instead of paying for your hospital admission, surgeries and medical treatment bills, this insurance pays you a fixed amount on a regular basis for every day that you are treated in a hospital up to a certain number of days.&nbsp;<\/p>\n\n\n\n<p>It\u2019s also important to note that a <strong>medical card<\/strong> can be either <strong>a standalone policy<\/strong> or <strong>a rider<\/strong> (add-on or extra benefit) attached to a comprehensive or investment policy.&nbsp;<\/p>\n\n\n\n<p>Read <a href=\"https:\/\/bjak.com\/blog\/things-you-need-to-know-about-medical-card\/\">this article<\/a> for the differences between a standalone medical card and a medical rider as well as other important things you need to know about medical cards.<br><\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Tips_to_choose_the_best_medical_card\"><\/span>Tips to choose the best medical card<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>As mentioned, there are just so many medical cards available for you to choose from. So how do you choose one for yourself? Here are eight useful tips to choose the best medical card.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"1_Look_for_the_highest_annual_and_lifetime_limits\"><\/span>1. Look for the highest annual and lifetime limits<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>An annual limit is the maximum amount you can claim from your insurer in a year. Meanwhile, a lifetime limit is the maximum amount you can claim from your insurer in a lifetime provided your premiums are paid and your policy is still in force.&nbsp;<\/p>\n\n\n\n<p>It\u2019s important that you pay attention to these limits as they determine the amount of coverage you are entitled to claim in a year or a lifetime. Your insurance will no longer cover your medical expenses after you\u2019ve reached your annual or lifetime limit.&nbsp;<\/p>\n\n\n\n<p>Some insurers offer as high as RM2.1 million for annual coverage. Some even offer unlimited annual or lifetime limit. While it\u2019s better that you choose a medical card with unlimited annual and lifetime limits, these benefits usually come with higher premiums. So don\u2019t burden yourself. Choose a medical card that best fits your budget.<br><br>As medical treatment costs continue to increase, having a higher annual limit helps prevent your coverage from being exhausted by a single major illness or surgery. Some newer medical cards also prioritise higher annual limits over lifetime limits, making it important to understand how your plan is structured.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"2_Choose_a_medical_card_that_covers_pre-hospitalization_consultations_and_tests\"><\/span>2. Choose a medical card that covers pre-hospitalization consultations and tests<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<figure class=\"wp-block-image size-full\"><img data-attachment-id=\"5051\" data-permalink=\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/tips-to-choose-the-best-medical-card\/attachment\/online-marketing-higeoqjs_ie-unsplash-1\" data-orig-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/online-marketing-hIgeoQjS_iE-unsplash-1.jpg?fit=640%2C360&amp;ssl=1\" data-orig-size=\"640,360\" 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=\"online-marketing-hIgeoQjS_iE-unsplash-1\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/online-marketing-hIgeoQjS_iE-unsplash-1.jpg?fit=300%2C169&amp;ssl=1\" data-large-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/online-marketing-hIgeoQjS_iE-unsplash-1.jpg?fit=640%2C360&amp;ssl=1\" loading=\"lazy\" width=\"640\" height=\"360\" src=\"https:\/\/i1.wp.com\/bjak.com\/blog\/wp-content\/uploads\/2021\/09\/online-marketing-hIgeoQjS_iE-unsplash-1.jpg?resize=640%2C360&#038;ssl=1\" alt=\"\" class=\"wp-image-5051\" srcset=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/online-marketing-hIgeoQjS_iE-unsplash-1.jpg?w=640&amp;ssl=1 640w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/online-marketing-hIgeoQjS_iE-unsplash-1.jpg?resize=300%2C169&amp;ssl=1 300w\" sizes=\"(max-width: 640px) 100vw, 640px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<p>Need a second or third opinion before committing to any doctor\u2019s recommendations? This benefit allows you to get consultations and tests by multiple doctors.<\/p>\n\n\n\n<p>Your medical card will cover the different consultations and tests provided they are related to the same illness to be treated. Another condition is you have to obtain the consultations and tests within a duration stipulated by your insurance, for example, 60 or 90 days.&nbsp;<\/p>\n\n\n\n<p>Say that you experience terrible back pain. You then consult a doctor who, after examining your back pain condition, recommends laminectomy, a surgery to remove parts of your ligaments in your back. While your medical card will cover the surgery, you would like to get a second opinion from another doctor. In that case, your insurance provides a fixed amount of time for you to get a second or third opinion on the options to treat your back pain. Your medical card will cover all the different consultations and tests, provided you get admitted to a hospital before your consultation time is up. So do inquire whether your preferred insurer offers this benefit.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"3_Choose_a_medical_card_that_covers_post-hospitalization_treatments\"><\/span>3. Choose a medical card that covers post-hospitalization treatments<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>After a medical treatment or surgery, you may need to go back to the hospital for follow-ups or any subsequent treatments. The good thing is some medical cards also cover post-hospitalization treatments. You can claim for the expenses provided your post-hospitalization treatments are related to the medical condition that requires you to be admitted to the hospital in the first place.&nbsp;<\/p>\n\n\n\n<h4><span class=\"ez-toc-section\" id=\"How_long_will_your_medical_card_cover_your_post-hospitalization_treatment\"><\/span>How long will your medical card cover your post-hospitalization treatment?<span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p>Depending on insurance providers, some cover up to 180 days of post-hospitalization treatments. Keep in mind that your annual or lifetime limit will apply to this.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"4_Consider_a_medical_card_that_covers_home_nursing_care\"><\/span>4. Consider a medical card that covers home nursing care<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<figure class=\"wp-block-image size-full\"><img data-attachment-id=\"5047\" data-permalink=\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/tips-to-choose-the-best-medical-card\/attachment\/pexels-alex-green-5693061\" data-orig-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/pexels-alex-green-5693061.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-alex-green-5693061\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/pexels-alex-green-5693061.jpg?fit=300%2C150&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/pexels-alex-green-5693061.jpg?fit=800%2C400&amp;ssl=1\" loading=\"lazy\" width=\"800\" height=\"400\" src=\"https:\/\/i0.wp.com\/bjak.com\/blog\/wp-content\/uploads\/2021\/09\/pexels-alex-green-5693061.jpg?resize=800%2C400&#038;ssl=1\" alt=\"\" class=\"wp-image-5047\" srcset=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/pexels-alex-green-5693061.jpg?w=800&amp;ssl=1 800w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/pexels-alex-green-5693061.jpg?resize=300%2C150&amp;ssl=1 300w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/pexels-alex-green-5693061.jpg?resize=768%2C384&amp;ssl=1 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<p>There are also medical cards that go a step further by covering home nursing care. Say that one day you suffer from a disability or medical condition that requires you to be attended to 24\/7 (god forbid!), you may need home nursing care.&nbsp;<\/p>\n\n\n\n<p>Insurers will cover home nursing care up to a certain number of days and coverage amount. Some insurers cover as much as it costs up to six months or 180 days.&nbsp;<\/p>\n\n\n\n<p>The purpose of this home nursing care benefit is mainly to give you or your family time to arrange for longer-term options such as having a caretaker to look after you until you get back on your feet.&nbsp;<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"5_Consider_the_hospital_room_and_board_cost\"><\/span>5. Consider the hospital room and board cost<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<figure class=\"wp-block-image size-full\"><img data-attachment-id=\"5013\" data-permalink=\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/tips-to-choose-the-best-medical-card\/attachment\/adhy-savala-zbpgmge27p8-unsplash\" data-orig-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/adhy-savala-zbpgmGe27p8-unsplash.jpg?fit=640%2C400&amp;ssl=1\" data-orig-size=\"640,400\" 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=\"adhy-savala-zbpgmGe27p8-unsplash\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/adhy-savala-zbpgmGe27p8-unsplash.jpg?fit=300%2C188&amp;ssl=1\" data-large-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/adhy-savala-zbpgmGe27p8-unsplash.jpg?fit=640%2C400&amp;ssl=1\" loading=\"lazy\" width=\"640\" height=\"400\" src=\"https:\/\/i2.wp.com\/bjak.com\/blog\/wp-content\/uploads\/2021\/09\/adhy-savala-zbpgmGe27p8-unsplash.jpg?resize=640%2C400&#038;ssl=1\" alt=\"\" class=\"wp-image-5013\" srcset=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/adhy-savala-zbpgmGe27p8-unsplash.jpg?w=640&amp;ssl=1 640w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/adhy-savala-zbpgmGe27p8-unsplash.jpg?resize=300%2C188&amp;ssl=1 300w\" sizes=\"(max-width: 640px) 100vw, 640px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<p>Generally, room and board refer to the cost of staying in a hospital room which includes the room, essential supplies and meals provided. When looking for a medical card, this is one of the criteria that you have to consider. Pay attention to these two things:<\/p>\n\n\n\n<ul><li>The coverage amount for hospital room and board<\/li><li>The number of days that insurers cover for hospital room and board<\/li><\/ul>\n\n\n\n<h4><span class=\"ez-toc-section\" id=\"How_much_do_different_hospital_rooms_and_boards_cost\"><\/span>How much do different hospital rooms and boards cost?<span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p>Quite like staying in a hotel, you can choose a single standard room, a single deluxe room or even a suite for your hospital stay. More affordable medical cards offer either four-bedded or double-bedded rooms. Whether it\u2019s a shared or private room, what matters most is that the medical plan you choose fits your budget. To give you an idea of how much each room costs, here\u2019s a price list for rooms in a selected private hospital in Selangor (you may refer to <a href=\"https:\/\/mypf.my\/risk\/life\/malaysian-hospital-room-rates\/\">this source<\/a> for more room price lists according to states.)<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td>Room type<\/td><td>Single deluxe<\/td><td>Single suite<\/td><td>Single standard<\/td><td>Double-bedded<\/td><td>Four-bedded<\/td><\/tr><tr><td>Room rate per day (RM)<\/td><td>280<\/td><td>850<\/td><td>230<\/td><td>160<\/td><td>95<\/td><\/tr><\/tbody><\/table><figcaption><a href=\"https:\/\/mypf.my\/risk\/life\/malaysian-hospital-room-rates\/\">Source<\/a><\/figcaption><\/figure>\n\n\n\n<p>Insurers offer different coverage amounts for hospital room and board. Some insurers offer RM250 a day for up to 150 days. Some others can offer even a higher coverage amount. So depending on your budget, do choose a plan that can offer you the highest coverage. Post-hospitalisation benefits usually cover follow-up treatments for a specified period after discharge, depending on the policy.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"6_Consider_the_room_and_board_cost_for_the_Intensive_Care_Unit_ICU_and_High_Dependency_Unit_HDU\"><\/span>6. Consider the room and board cost for the Intensive Care Unit (ICU) and High Dependency Unit (HDU)<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<figure class=\"wp-block-image size-full\"><img data-attachment-id=\"5015\" data-permalink=\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/tips-to-choose-the-best-medical-card\/attachment\/national-cancer-institute-w7pby5bdkw4-unsplash-1\" data-orig-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/national-cancer-institute-w7Pby5bDKW4-unsplash-1.jpg?fit=640%2C963&amp;ssl=1\" data-orig-size=\"640,963\" 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=\"national-cancer-institute-w7Pby5bDKW4-unsplash-1\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/national-cancer-institute-w7Pby5bDKW4-unsplash-1.jpg?fit=199%2C300&amp;ssl=1\" data-large-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/national-cancer-institute-w7Pby5bDKW4-unsplash-1.jpg?fit=640%2C963&amp;ssl=1\" loading=\"lazy\" width=\"640\" height=\"963\" src=\"https:\/\/i0.wp.com\/bjak.com\/blog\/wp-content\/uploads\/2021\/09\/national-cancer-institute-w7Pby5bDKW4-unsplash-1.jpg?resize=640%2C963&#038;ssl=1\" alt=\"\" class=\"wp-image-5015\" srcset=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/national-cancer-institute-w7Pby5bDKW4-unsplash-1.jpg?w=640&amp;ssl=1 640w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/national-cancer-institute-w7Pby5bDKW4-unsplash-1.jpg?resize=199%2C300&amp;ssl=1 199w\" sizes=\"(max-width: 640px) 100vw, 640px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<p>You may be more familiar with the term ICU than the term HDU. What is the difference between the ICU and HDU? The <a href=\"https:\/\/icuunwrapped.co.uk\/2018\/07\/29\/icu-vs-hdu\/\">main difference<\/a> between the two is <a href=\"https:\/\/www.moh.gov.my\/moh\/resources\/Polisi\/dalam.pdf\">the nurse to patient ratio<\/a>.<\/p>\n\n\n\n<p><strong>Intensive Care Unit (ICU). <\/strong>The nurse to patient ratio shall be 1:1 or more in complex cases.&nbsp;<\/p>\n\n\n\n<p>For ventilated patients and non-ventilated patients, the nurse to patient ratio shall be 1:1 and 1:2 respectively.<\/p>\n\n\n\n<p><strong>High Dependency Unit (HDU). <\/strong>The nurse to patient ratio shall be 1:2-3 patients. The HDUs are for patients who need more intensive observation, treatment and nursing care than is possible in a general ward but slightly less than that given to patients in the ICUs.&nbsp;<\/p>\n\n\n\n<p>In comparison to the ICU and HDU, <a href=\"https:\/\/icuunwrapped.co.uk\/2018\/07\/29\/icu-vs-hdu\/\">the nurse to patient ratio in a general ward<\/a> is two nurses to up to 30 patients.\u00a0<\/p>\n\n\n\n<p>In 2026, access to panel hospitals and cashless admission has become an important consideration. A wider panel hospital network allows policyholders to receive treatment without paying large upfront costs, especially during emergencies.<br><\/p>\n\n\n\n<h4><span class=\"ez-toc-section\" id=\"How_much_do_ICU_and_HDU_rooms_and_boards_cost\"><\/span>How much do ICU and HDU rooms and boards cost?<span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p>The rates vary across private hospitals. Here are the rates for the ICU and HDU rooms and boards in a selected private hospital in Selangor (you may refer to <a href=\"https:\/\/mypf.my\/risk\/life\/malaysian-hospital-room-rates\/\">this source<\/a> for more room price lists according to states.)<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td>Room type<\/td><td>ICU<\/td><td>HDU<\/td><\/tr><tr><td>Room rate per day (RM)<\/td><td>450<\/td><td>280<\/td><\/tr><\/tbody><\/table><figcaption><a href=\"https:\/\/mypf.my\/risk\/life\/malaysian-hospital-room-rates\/\">Source<\/a><\/figcaption><\/figure>\n\n\n\n<p>Some insurers will cover your whole ICU or HDU room and board for up to five months or 150 days within a policy year. Some will even cover the cost for up to six months or 180 days. So do compare the amount and duration that insurers will cover for the ICU or HDU, before committing to any medical card.\u00a0<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"7_Opt_for_a_medical_card_that_provides_daily_guardian_benefits\"><\/span>7. Opt for a medical card that provides daily guardian benefits<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<figure class=\"wp-block-image size-full\"><img data-attachment-id=\"5052\" data-permalink=\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/tips-to-choose-the-best-medical-card\/attachment\/sharon-mccutcheon-djrtjx-obce-unsplash\" data-orig-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/sharon-mccutcheon-DjrtjX-obcE-unsplash.jpg?fit=640%2C427&amp;ssl=1\" data-orig-size=\"640,427\" 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=\"sharon-mccutcheon-DjrtjX-obcE-unsplash\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/sharon-mccutcheon-DjrtjX-obcE-unsplash.jpg?fit=300%2C200&amp;ssl=1\" data-large-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/sharon-mccutcheon-DjrtjX-obcE-unsplash.jpg?fit=640%2C427&amp;ssl=1\" loading=\"lazy\" width=\"640\" height=\"427\" src=\"https:\/\/i0.wp.com\/bjak.com\/blog\/wp-content\/uploads\/2021\/09\/sharon-mccutcheon-DjrtjX-obcE-unsplash.jpg?resize=640%2C427&#038;ssl=1\" alt=\"\" class=\"wp-image-5052\" srcset=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/sharon-mccutcheon-DjrtjX-obcE-unsplash.jpg?w=640&amp;ssl=1 640w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/sharon-mccutcheon-DjrtjX-obcE-unsplash.jpg?resize=300%2C200&amp;ssl=1 300w\" sizes=\"(max-width: 640px) 100vw, 640px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<p>If you\u2019re admitted to a hospital, you may want or need a family member or friend to accompany you at the hospital. If you choose a medical card that provides daily guardian benefits, your family member or friend can get reimbursement for a certain amount spent on food and accommodation when accompanying you. This can relieve their financial burden.<\/p>\n\n\n\n<p>Some insurers offer up to RM250 a day for up to five months or 150 days within a policy year for daily guardian benefits. So do get your insurance agents to clarify the coverage for daily guardian benefits before settling with any insurance provider.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"8_Choose_a_medical_card_that_best_meets_your_needs_and_budget\"><\/span>8. Choose a medical card that best meets your needs and budget<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Now that you\u2019re aware of the best features of a medical card, you need to factor in your budget. This is so that you can meet both your needs and budget.\u00a0<\/p>\n\n\n\n<p>It is also important to consider whether the premium remains affordable in the long term, as medical card costs may increase over time.<\/p>\n\n\n\n<h4><span class=\"ez-toc-section\" id=\"How_much_should_you_spend_on_your_medical_card\"><\/span>How much should you spend on your medical card?<span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p>This is one of the most frequent questions that we get. Some suggest spending between 3-10% of your monthly take-home income on your medical card.<\/p>\n\n\n\n<p>The truth is it depends on your financial capacity. If you can afford RM200 a month for your medical card, then that is the amount that you should spend.<\/p>\n\n\n\n<p>Before deciding the amount to spend on your medical card, write down your take-home income and deduct your monthly expenses from the income. The balance is the amount you can ideally spend on your medical card. If you get a medical card attached to a term life insurance, for example, also consider that your premium may increase depending on medical inflation.&nbsp;<\/p>\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<p>Ultimately, these <strong>tips to choose the best medical card<\/strong> help you look beyond price and focus on long-term protection. As healthcare needs and insurance structures continue to evolve, reviewing your medical card regularly ensures you remain well covered in 2026 and beyond.<\/p>\n\n\n\n<p>(Sources: <a href=\"https:\/\/icuunwrapped.co.uk\/2018\/07\/29\/icu-vs-hdu\/\">ICUunwrapped<\/a>, <a href=\"https:\/\/www.moh.gov.my\/moh\/resources\/Polisi\/dalam.pdf\">Malaysia&#8217;s Ministry of Health<\/a>, <a href=\"https:\/\/moremoney.my\/best\/the-best-medical-cards-in-malaysia\/\">moremoney.my<\/a>, <a href=\"https:\/\/mypf.my\/risk\/life\/malaysian-hospital-room-rates\/\">MyPF<\/a>)<\/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-to-choose-the-best-medical-card\">Get Your Free Quotation<\/a><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>When it comes to medical cards, you are spoiled for choice as there are many plans available in the market. To help you decide, we\u2019ll be sharing a few important tips to choose the best medical card.<\/p>\n","protected":false},"author":5,"featured_media":5011,"comment_status":"closed","ping_status":"open","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":[339,322,143,214],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Tips to choose the best medical card | BJAK<\/title>\n<meta name=\"description\" content=\"Choosing the best medical card is a big deal. 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