FREE, No-Risk And No-Obligation Medical Insurance Analysis

Through the Medical Insurance Analysis, within 33 minutes, you’ll find out what kind of medical insurance will give your family the most protection, and at the best price.

Also, if you presently have a medical insurance policy, then you’ll discover whether it’s giving you the right protection for your family.

To get your FREE, No-Risk And No-Obligation Medical Insurance Analysis, call me at +6019 222 4545 (Malaysia). Or, if you prefer, just fill out the E-mail Review Request, located right at the end, copy the format onto your email, complete the details, and email it to me. And, after I’ve received your request, I’ll get back to you within 48 hours. If you are satisfied with the explanation via email, we can leave it at that. If you feel that meeting up would allow us to discuss better, then I will give you a call to set up a meeting.

Let me assure you, during our meeting, you won’t be asked to buy anything. It isn’t important for us to do business now, or even in the future.

The purpose of the FREE, No-Risk And No-Obligation Medical Insurance Analysis is for me to share some important ideas and information with you. This way, you’ll be able to have enough facts to make the best choices for your medical. And, if it works out that we can help you… great. We’d love to.

But, if we find you have a better buy, are adequately covered, or can improve your coverage by making a few changes with your current insurance company, we’ll let you know. There’s absolutely no obligation on your part, whatsoever.

Email Subject: Medical Insurance Review

r YES! I want to find out more to make sure I have the right medical insurance protection for my family. I understand that the information I receive through email may be limited and a meeting would provide better information.

I understand, during our meeting, I won’t be asked to buy anything, and there will be no high pressure whatsoever. The purpose of our meeting is simply for you to share some important ideas and information with me.

Email me at aljazzurakhan@gmail.com

Name:

Address:

Mobile:

Office Phone:

Fax:

Email:

The best day and time to reach me is: Day: Time:

Do you have a medical insurance policy right now?

Yes ______ No _______ Group ________ Individual _______

If Yes, what is your monthly or yearly premium?

RM _____ a month RM _____ a year

Your First Few Pages of Your Policy Contract Will Have the Following Information.

Room & Board Limit:

Annual Limit:

Lifetime Limit:

Coverage Until Age:

Waiver of Premium: Yes____ No____

Co-Insurance: _____%

I will get back to you within the next 48 hours with feedback on your medical insurance policy. Please note that the feedback will be dependent on the information that is received.

Thank you and best regards.

al jazzura khan

“In an instant, an accident can change your life forever.”

These powerful words came from Christopher Reeve, whose life was drastically changed forever because of an accident.

As you may be aware, Christopher Reeve, the actor who played the man of steel in the movie Superman, became paralyzed from the neck down after a freak horseback-riding accident in 1995.

Right after his tragic accident, his life was drastically changed in so many ways – physically, mentally, emotionally, spiritually, as well as financially.

For example, while you can probably guess Reeve’s medical and other related expenses were horrendous after the accident, did you know his health-care costs alone were (and still may be) about $400,000 a year?

That’s right... FOUR HUNDRED THOUSAND DOLLARS A YEAR!!!

That’s a lot of money, considering an average working person makes only about $1,000,000 in gross income in his or her lifetime.

Imagine what would happen if you got into the same or similar situation as Christopher Reeve.

If you had to pay $400,000 of medical expenses a year for yourself (or a loved one), would you be able to do so?

Like most people, you probably would have to sell all of your assets – your house, your cars, your investments, and so on – to pay for just one year of medical expenses, wouldn’t you?

If so, then what’s going to happen in the second year, fifth year, or tenth year?

Now, even if you could get $1,000,000 net after selling all of your assets, with a medical bill of $400,000 a year, you would run out of money after only two and a half years.

Besides, after selling your home and your other assets, where are you and your family members going to live… and how are you going to support them?

Let’s face it, even if you or a loved one got into an accident (or an illness) only a fraction as serious as Christopher Reeve’s, you probably agree having to pay just $20,000 to $50,000 a year in medical expenses… can cause huge financial hardships on your family, right?

Sadly, for many people, when a sudden disaster, such as an accident or illness happens to just one member of their family, the horrendous medical expenses could bankrupt them.

Imagine being forced to sell everything you now own to pay for the necessary medical care that you or a loved one needs… and to start all over from scratch.

You’ve probably hoped or even prayed this situation would never happen to you, haven’t you?

Sure, we all have.

Listen closely, the two main reasons Christopher Reeve and his family members didn’t have to suffer financial hardships after his tragic accident were…

1. He had excellent health insurance.

2. He was in an excellent financial position (and still is today).

Did you know it cost him about $300,000 a year to hire a special nurse to take care of him 24 hours a day?

Also, did you know the special exercise equipment he uses cost more than $100,000?

As you can imagine, if Reeve didn’t have excellent health insurance, then the massive medical and other related expenses would have slashed away his life savings and investments in no time.

Well, like most people who are in a less fortunate financial position than Reeve, if you suddenly have to pay medical expenses of just $5,000 to $10,000 a month, then your life savings and investments would be used up very quickly, wouldn’t they?

Worse, if you or a loved one is hospitalized or disabled for the long term, then the medical expenses may even bankrupt your family, right?

I certainly hope not.

And, the good news for you is...

An Accident Or Illness – No Matter How Serious –

Doesn’t Have To Mean Financial Disaster For Your Family!

That’s right, thanks to the miracle of medical insurance, if you or a loved one should get into a serious accident or a major illness that requires expensive medical care, then your family won’t have to suffer financial hardships.

When you’re protected with the RIGHT medical insurance, you’ll have the money to pay for the medical expenses and also the dental, therapeutic, drug, ambulance, optical, and physical aid expenses like crutches, wheelchair, and so on.

As you can imagine, without any medical insurance, if they or their loved ones should get into a serious accident or illness, then the medical bills could bankrupt their families. Worse, they won’t get the necessary medical treatment they need.

How come so many people aren’t protecting themselves with medical insurance?

There are two main reasons.

First, they think disasters like a serious accident or illness could only happen to somebody else.

How many times have you heard someone say…

“I Never Thought That Would Ever Happen To Us!”

Probably at least dozens of times, right? Perhaps you’ve even said it yourself many times.

Let’s face it, no one wants to think disasters like being paralyzed or losing a home would ever happen to them… until it’s too late!

Sadly, it’s this kind of incorrect thinking that has prevented many people from preparing themselves properly to handle unexpected negative events. So, when disasters strike, they usually have to suffer financially, as well as mentally and emotionally.

If You Fail To Plan… You’re Planning To Fail!

It’s fine to expect things to turn out the best for you… as long as you’ve planned for the worst.

This is because, in life, things don’t always turn out the way you wanted them to. And disasters usually strike at the worst time, when you least expected them.

Just check out these statistics….

· More people lose their homes through disability than through death and fire!

· For people who are under the age of thirty-five, 1 out of 3 will be disabled for about 6 months, and 1 out of 4 will be disabled for one year or longer… before they turn 65!

· A 42-year old is four times more likely to become seriously disabled than to die before age 65!

· The average length of all disabilities lasting longer than three months is 2 years!

The bad news is, you can become disabled from an accident that happens in your home, at work, in a public place, or in a vehicle.

Well, even if you don’t get into a serious accident in your lifetime, you still could become disabled from a serious illness or contract a deadly disease.

Medical and Health Care Costs Are Skyrocketing!

While medical and health-care costs have skyrocketed in the last few years, for many people, if they just reorganize their priorities a little, then they’ll be able to get medical insurance for their family.

Let me explain.

Although some people say they can’t afford to buy any medical insurance for their family… they can afford to drink several cups of Starbucks’ coffee a day, eat at McDonald’s several times a week, drink the famous Coca Cola or have a beer every night, smoke several packs of cigarette a day, and so on.

As you can see, all of us will have our own habits, indulgences and priorities.

Listen, even if you’re in a tight financial position right now, if you reorganize your finances a little, you’ll likely be able to find the money to buy medical insurance protection for your family.

Even though medical and health-care costs are high, for as little as several ringgit a day, you can start getting some medical insurance protection for your family. And, as your financial position improves, you can then get more and better protection later on.

The question you need to seriously ask yourself is…

“Who will pay the medical bills if a loved one or I have a serious accident or a major illness?”

If you don’t have a good answer for this question right now, then you need to protect your family with medical insurance.

Now, while hospitals are legally required to give emergency treatment to you (and everyone who needs it)… it’s naive to think you would get the same quality of care as a patient who can pay the medical bills (either through their insurance company or out of their own pocket).

Anyhow, like most responsible people, you’re probably protecting your valuable assets, such as your home, your car, your business, and your life, with insurance products, aren’t you?

Well, since having medical insurance is just as important as having the other types of insurance, aren’t you going to give your family the necessary medical insurance protection right away, if you haven’t done so already?

Great!

Okay. When you buy a medical insurance policy, you pay money, known as the premium, to an insurance company. The insurance company then invests your money, together with those of thousands of other insurance buyers, known as the policyholders, to earn a great rate of return.

By doing so, the insurance company will have the money to pay your health benefits, known as the proceeds, if you should need medical care due to an injury or illness.

When you buy a medical insurance policy, you believe the risk of you getting injured, disabled, or ill… is greater than the premiums paid on the policy. And so you want to shift or transfer this risk to the insurance company.

On the other hand, by selling you the policy, the insurance company believes the premiums they’re receiving from you over the policy period are greater than the proceeds they must pay out in claims (requests to recover losses covered by an insurance policy).

Insurance Creates A Win-Win Situation!

Why do I say win-win!

This is because, after having the right kind of medical insurance protection, you’ll gain security and peace of mind, knowing if you should need to pay for expensive medical care one day, then you’ll have the money to do so… without having to sell your assets or suffer financial hardships.

Sure, you may be paying the premiums on a medical policy for ten or twenty years and, if you don’t need any expensive medical care, then you don’t get paid anything from the insurance company. But, the good news is, the security and peace of mind you and your family members get to enjoy during this period… is worth many times the premiums paid, wouldn’t you agree?

Besides, like most people who’ve bought medical (and other kinds of) insurance, you probably hope you won’t ever have to make a claim from the insurance company anyway, right? You bet!

The insurance company also wins by adding the premium dollars you pay to those of thousands of other policyholders, and then using that large amount of money to make profitable investments. And they use their financial muscle to fuel the economy, building skyscrapers and providing countless jobs, and so on.

Although some policyholders think their insurance companies are making too much money from them, others think powerful and wealthy insurance companies enable them sleep better at night, knowing the money will be available to pay their claims should they need to file them.

It doesn’t matter whether you think positively or negatively about insurance companies, you probably agree our society is better off with medical insurance than without, right?

Let’s face it, without medical insurance, millions of people in our country would suffer huge financial hardships if they get into a serious accident or illness.

On the other hand, with medical insurance, for as little as a few ringgit a day, you can protect your family’s future against financial catastrophes. And to make sure you’ll get the necessary medical treatment you need if you (or a loved one) should get into a serious accident or illness.

Listen to what Winston Churchill, the late British Prime Minister, once said about insurance…

“If I had my way, I would write the word insurance over the door of every house, because I’m convinced, for sacrifices that are inconceivably small, families can be secured against catastrophes which otherwise would smash them up forever.”

Through the miracle of health insurance, you have the opportunity to use only a small percentage of your assets, like 2%, to protect the other 98%!

This is wonderful, isn’t it? It sure is!

Understanding Co-Insurance and Co-Payment

Co-insurance is the amount you’re required to pay for medical care in an indemnity plan after you have met your deductible. The coinsurance rate is usually expressed as a percentage, such as 20%. This means, you pay 20% of the eligible medical costs and your insurance company pays the other 80%.

A co-payment is another way of sharing medical costs, in which you pay a flat fee every time you receive a medical service, such as RM50 for every visit to the doctor. The insurance company pays the rest of your bill.

While we’re on definitions, let’s look at several other important medical insurance terms.

It doesn’t matter whether you buy an indemnity or a managed-care plan, only certain medical services are covered under the plan. These covered expenses, which are listed in the policy, are the medical procedures or services that your insurance company agrees to pay for.

And, as with almost any type of insurance, your health insurance policy also has exclusions. These simply are the specific conditions for which the policy will not provide benefits. To put it another way, exclusions are the non-covered expenses.

Before buying a health insurance policy, you may have a medical condition diagnosed or treated. Insurance companies call this a pre-existing condition. The longest you’ll have to wait before you’re covered for a pre-existing condition is 12 months.

All indemnity plans and some managed-care plans have out-of-pocket maximums to limit the amount you have to pay in a given year. When your deductible and coinsurance have reached a certain amount, then your insurance company will pay 100% of the cost (instead of just 80%, for example)… up to the lifetime maximum benefit amount.

And, when the lifetime maximum benefit has been reached, then your insurance company won’t pay for any more of your medical costs. This is why it’s important for you to choose a plan that has a lifetime maximum benefit of at least RM1,000,000.

If you presently have a medical insurance policy, then check to see what is the lifetime maximum benefit. And, if it’s less than RM1,000,000, then you may consider raising it or buying additional coverage to give you $1,000,000 of lifetime maximum benefit.

Since few people ever reach the maximum lifetime benefit payment, it may cost you little additional premium to increase your present amount to $1,000,000. While you may never reach the $1,000,000 limit, the security and peace of mind you’ll gain from having the extra coverage… will be worth the small premiums paid.

As we’ve discussed, you just never know when you or a loved one may get into a serious accident or illness that requires expensive medical care.

For instance, in Christopher Reeve’s case, even though his health insurance policy has a maximum lifetime benefit of $1.2 million, with a medical bill of about $400,000 a year, he would reach his limit in only 3 years. In fact, as of this writing, he has already reached his limit. So now he has to pay for all his medical bills out of his own pocket.

Fortunately, Reeve has the financial resources to pay his medical bills. So his family doesn’t have to suffer financial hardships… while he gets the proper medical care he needs.

Unlike Christopher Reeve, you, like most people, probably don’t have such a privilege. So you need to protect your family with the right medical insurance policy.

Anyhow, whether you buy an indemnity-type or a managed-care-type plan, you should buy one that’s non-cancelable (or guaranteed renewable). This is a policy that guarantees you coverage as long as you pay the premium, regardless of your health condition.

The Two Main Ways To Get Medical Insurance Protection

The two main ways we typically get medical insurance protection here in Malaysia are:-

1. Through your employer’s group medical insurance plan.

2. Through an individual medical insurance plan.

Like some people, you presently may have a medical insurance policy through your employer (or your spouse’s employer).

If so, that’s great. You’re very lucky. Many people simply don’t have this privilege.

Your employer may offer you only one medical insurance plan or a choice of several plans, such as on a claim basis, through a health maintenance organization (HMO), or a direct insurance provider.

While the employers that have less than 25 workers aren’t required by federal law to offer their employees any health insurance plans, many of them do so as an added-value for their staff. And, if you’re really lucky, then your employer may even pay 100% of your premiums.

Group plans are not only cheaper than individual plans, but many of them also let you choose from a range of services. You don’t have to pay for coverage you don’t need or want. Also, you’re automatically eligible for coverage and can’t be dropped or charged more because you have more claims than other members.

If your employer has a group medical insurance plan and you haven’t joined, then I suggest you do so right away, especially now that you understand the importance of having medical insurance protection for your family.

Let me now explain to you…

Why You Still Need More Medical Insurance Protection Even If…

You Already Have Medical Insurance Through The Company!

The major drawback with your employer’s group medical insurance plan, like most group plans, is that the amount of medical insurance protection may not be enough to cover your family adequately.

Your employer’s medical insurance plan may cover you only for certain medical procedures or expenses. So, the services you need the most may not be covered.

Perhaps you’re going through a major life change, such as getting married (or divorce), having or adopting a child, changing job, retiring from work, and so on.

After you find out which medical services your group plan doesn’t cover you and your loved ones, consider getting an individual medical policy to cover the shortage.

Well, like many people, perhaps you aren’t fortunate enough to join a group medical insurance plan or if your present group plan doesn’t cover your family adequately, then you can buy an individual policy.

Unfortunately, unlike buying a piece of furniture or an appliance, buying the right medical insurance plan for your family can be quite challenging.

Without examining your situation in detail, it’s difficult for me to tell you which type of health insurance is the best for you. So, that is one of the main reasons I offer a FREE, No-Risk And No-Obligation Medical Insurance Analysis, which will let you know which type of medical insurance is best for your family.