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Are you covered?
Posted by Trevor Keidan on October 20, 2008We’re one of the leading financial services companies in Asia, and provide a unique brand of personalised financial solutions to clients across the region.
Many expatriates are provided with medical insurance as part of their employment benefits package but worrying very few actually review the level of cover to ensure it is sufficient for their needs. Such a review of benefits limits and geographical exclusion is particularly important where the employer provide a local (domestic) health insurance plan. If you have not reviewed your medical insurance plan or believe the plan provided is from a local insurer then the next few minutes spent reading this article may save you a fortune and will certainly provide peace of mind.
Globalisation and the spread of multi-national companies mean the number of people working outside of their home country is growing rapidly. Furthermore many expatriates nowadays do not enjoy just one offshore posting – the majority will find themselves working in several different countries during their overseas career. With an increasingly mobile lifestyle it is essential that these expatriates ensure they are protected with internationally mobile and transferable helath insurance as medical costs vary greatly from country to country.
Review Your Cover Limits and Policy Sub-Limits
Whilst a local policy in Malaysian Ringgit is possibly adequate to cover most eventualities within Malaysia, have you considered whether your plan would provide adequate when traveling in Europe, the United States or even China? The medical costs in these countries are many times higher than within Malaysia and will most likely exceed the benefit limits set in most local insurance products. So even with a valid insurance in place you could still be presented with a very large hospital bill.
Below is a recent list of medical costs for fairly minor procedures one of our insurance partners has paid out in the past six months. But to really make sure you are paying attention, consider a US$400,000+ bill one of our insurance partners recently paid out to treat a brain tumor for a young child dependent here in Malaysia.
Trevor Keidan wrote this post.
Trevor is Infinity's Managing Director and Chief Executive and resides in Hong Kong.
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