{"id":52,"date":"2021-08-17T15:16:05","date_gmt":"2021-08-17T07:16:05","guid":{"rendered":"https:\/\/bjakmy.wordpress.com\/?p=52"},"modified":"2026-02-19T15:03:15","modified_gmt":"2026-02-19T07:03:15","slug":"pro-tips-you-should-know-before-buying-insurance","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/pro-tips-you-should-know-before-buying-insurance","title":{"rendered":"Pro tips you should know before buying insurance"},"content":{"rendered":"\n<p>Healthcare, especially the good ones, will cost you an arm and a leg, even for the simplest of procedures. Being a healthcare professional in the past, serving at a private hospital, we know that in health, every time you pop a pill, it is money into the hospital&#8217;s coffers. <\/p>\n\n\n\n<p>So unless you have a hefty amount of dinero lying around, getting a health insurance may be your best bet. But, hold on to your horses! Before you pick up the phone and dial up an insurance agent, here are some useful, &#8216;top secret&#8217; hints you SHOULD know before dreaming of slashing your hospital bills soon. <\/p>\n\n\n\t<div class=\"wp-block-jetpack-gif\">\n\t\t<figure>\n\t\t\t\t\t\t\t<div class=\"wp-block-jetpack-gif-wrapper\" style=\"padding-top:75%\">\n\t\t\t\t\t<iframe src=\"https:\/\/giphy.com\/embed\/xT1Ra159XCvq33VvqM\" title=\"https:\/\/media.giphy.com\/media\/xT1Ra159XCvq33VvqM\/giphy.gif\"><\/iframe>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/figure>\n\t<\/div>\n\t\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-69d7437556085\" 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-69d7437556085\"><\/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\/pro-tips-you-should-know-before-buying-insurance\/#1_Figure_out_how_much_you_can_afford_to_pay\" title=\"#1 Figure out how much you can afford to pay\">#1 Figure out how much you can afford to pay<\/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\/pro-tips-you-should-know-before-buying-insurance\/#2_Make_sure_your_doctor_hospital_of_choice_is_covered_under_the_plan_you_choose\" title=\"#2 Make sure your doctor, hospital of choice is covered under the plan you choose\">#2 Make sure your doctor, hospital of choice is covered under the plan you choose<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/pro-tips-you-should-know-before-buying-insurance\/#3_%E2%80%98Out_of_network%E2%80%99_doctorshospitals_may_incur_more_cost\" title=\"#3 &#8216;Out of network&#8217; doctors\/hospitals may incur more cost\">#3 &#8216;Out of network&#8217; doctors\/hospitals may incur more cost<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"1_Figure_out_how_much_you_can_afford_to_pay\"><\/span><strong>#1 Figure out how much you can afford to pay<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>If you &#8216;re thinking of starting by looking at the &#8216;metal&#8217; tiers &#8211; bronze, silver, gold or platinum packages some companies offer, you are actually looking at the percentage you will pay and not the quality of care. <\/p>\n\n\n\n<p>A lower tiered plan may be cheaper than say a platinum plan, but the care it provides is essentially the same. <\/p>\n\n\n\n<p><em><strong>Pro tip: <\/strong>If you foresee needing more care, opt for higher tiered plans, but if you want to be healthier, than the lower tier makes more sense. <\/em><\/p>\n\n\n\t<div class=\"wp-block-jetpack-gif\">\n\t\t<figure>\n\t\t\t\t\t\t\t<div class=\"wp-block-jetpack-gif-wrapper\" style=\"padding-top:83%\">\n\t\t\t\t\t<iframe src=\"https:\/\/giphy.com\/embed\/9Ai5dIk8xvBm0\" title=\"https:\/\/media.giphy.com\/media\/9Ai5dIk8xvBm0\/giphy.gif\"><\/iframe>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/figure>\n\t<\/div>\n\t\n\n\n<h2><span class=\"ez-toc-section\" id=\"2_Make_sure_your_doctor_hospital_of_choice_is_covered_under_the_plan_you_choose\"><\/span><strong>#2 Make sure your doctor, hospital of choice is covered under the plan you choose<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>If there is a medical centre or doctor that you prefer, do some reading and make sure they accept your insurance, preferably listed as an &#8220;in-network&#8221; with your would-be insurance.<\/p>\n\n\n\n<p>THIS is the same with any medications you need. Some would go to the extent of ensuring that your in-patient room of choice is well within the coverage of your insurance. Say that your insurance covers RM230 for a night&#8217;s stay in a particular hospital, but the room in your hospital charges RM250. You can opt to pay the difference, or upgrade. <\/p>\n\n\n\n<p><em><strong>Pro tip: <\/strong> Find out more about your covered benefits, copays and what your insurance will pay against escalating medical costs<\/em> <em><strong>before <\/strong>considering your would-be insurance.<\/em><\/p>\n\n\n\t<div class=\"wp-block-jetpack-gif\">\n\t\t<figure>\n\t\t\t\t\t\t\t<div class=\"wp-block-jetpack-gif-wrapper\" style=\"padding-top:56%\">\n\t\t\t\t\t<iframe src=\"https:\/\/giphy.com\/embed\/dYf7LKfCtVmIDXBTER\" title=\"https:\/\/media.giphy.com\/media\/dYf7LKfCtVmIDXBTER\/giphy.gif\"><\/iframe>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/figure>\n\t<\/div>\n\t\n\n\n<h2><span class=\"ez-toc-section\" id=\"3_%E2%80%98Out_of_network%E2%80%99_doctorshospitals_may_incur_more_cost\"><\/span><strong>#3 &#8216;Out of network&#8217; doctors\/hospitals may incur more cost<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>For cases where a specific doctor you want to consult or a hospital you want to seek treatment at is &#8216;out of the network&#8217;, it may cost more! What does this mean? You may risk losing out on potential savings compared to those that are part of the in-network. <\/p>\n\n\n\n<p><strong><em>Pro tip: <\/em><\/strong><em>Find out which doctor and hospitals are working closely with your insurance service provider to get<strong> MAD<\/strong> savings or a chance to get better expertise for treatment. <\/em><\/p>\n\n\n\n<p><\/p>\n\n\n\n<p>Pro tips work best when you get help with what you&#8217;re doing. Get expert help, and customise your own insurance package to save on massive insurance payments by connecting to <a href=\"https:\/\/bjak.my\/en\" target=\"_blank\" rel=\"noreferrer noopener\">www.bjak.my<\/a>, for comprehensive insurance coverage that&#8217;s a bang for your buck. <\/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=pro-tips-you-should-know-before-buying-insurance\">Get Your Free Quotation<\/a><\/div>\n<\/div>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Healthcare, especially the good ones, will cost you an arm and a leg, even for the simplest of procedures. Being a healthcare professional in the past, serving at a private hospital, we know that in health, every time you pop a pill, it is money into the hospital&#8217;s coffers. So unless you have a hefty&hellip;&nbsp;<a href=\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/pro-tips-you-should-know-before-buying-insurance\" class=\"\" rel=\"bookmark\">Read More &raquo;<span class=\"screen-reader-text\">Pro tips you should know before buying insurance<\/span><\/a><\/p>\n","protected":false},"author":4,"featured_media":1713,"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":[42,59,74,88,214],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Pro tips you should know before buying insurance | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Life and Medical Insurance | Read about: Pro tips you should know before buying insurance\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/pro-tips-you-should-know-before-buying-insurance\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Pro tips you should know before buying insurance | BJAK\" \/>\n<meta property=\"og:description\" content=\"BJAK | Life and Medical Insurance | Read about: Pro tips you should know before buying insurance\" \/>\n<meta property=\"og:url\" content=\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/pro-tips-you-should-know-before-buying-insurance\" \/>\n<meta property=\"og:site_name\" content=\"BJAK\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/bjak.my\" \/>\n<meta property=\"article:published_time\" content=\"2021-08-17T07:16:05+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-02-19T07:03:15+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/bjak.my\/blog\/wp-content\/uploads\/2021\/08\/photo1629885291-2.jpeg\" \/>\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=\"Athirah Hanapiah\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Organization\",\"@id\":\"https:\/\/bjak.my\/blog\/#organization\",\"name\":\"Bjak\",\"url\":\"https:\/\/bjak.my\/blog\/\",\"sameAs\":[\"https:\/\/www.facebook.com\/bjak.my\",\"https:\/\/www.instagram.com\/bjak.my\",\"https:\/\/www.linkedin.com\/company\/14607755\/admin\/\",\"https:\/\/twitter.com\/bjakmy\"],\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/bjak.my\/blog\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/logo.png?fit=756%2C756&ssl=1\",\"contentUrl\":\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/logo.png?fit=756%2C756&ssl=1\",\"width\":756,\"height\":756,\"caption\":\"Bjak\"},\"image\":{\"@id\":\"https:\/\/bjak.my\/blog\/#\/schema\/logo\/image\/\"}},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/bjak.my\/blog\/#website\",\"url\":\"https:\/\/bjak.my\/blog\/\",\"name\":\"BJAK\",\"description\":\"Renew your car and motor insurance at the lowest price! 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