- The wait
When doctor decides to admit you for further hospitalisation treatments, nurse will check whether you have a medical card or not. Once nurse proceeds with sending the report to insurance company, generally it’ll take about an hour depending on the queue, for the insurance company to issue a Letter of Guarantee.
Hospitals will usually take an amount of deposits which is equivalent to your co-payment. In case one chooses to not pay after receiving the treatment. If you’re unsure of the co-payment in your plan, it is advisable to check with your insurance agents/provider regarding the amount.
- Everything is covered by the medical card
NO! Your admission to hospital is not free despite having a medical card. There are certain charges that you must still bear upon discharge from the hospital.
Charges to expect:
- Registration charges/ Admission Charges
- Generally, fees are around RM 5 ~ RM15.
- Telephone charges
- Depending on the amount of usage & hospital.
- Excess Room and Board charges
- the difference between your plan and the wad admitted in to.
- There are a few types of co-payment, depending on the plan you’re holding; co-insurance, co-payment and deductible.
- Co-insurance is a percentage on your bill, usually 10%
- Co-payment is a fixed amount that you must bear as a part of the bill.
- Deductible is a fixed amount that you must bear before the medical card kicks in.
(Pls refer to “Co-Payment, Co-insurance and deductible” article for further description)
There you go, these are the common scenarios to expect when admitting to hospital using medical card.