Updated: May 5, 2020 Home » Financial Plan » Insurance
一般上,医药卡 (Medical Card) 是根据病房的价钱而分类，比方说某保险公司(Insurance Company)分成 6 类医药卡，即: 100, 150, 200, 250, 300 及 350。如果我们签购 100 配套的医药卡可享有价值 RM 100 的医院病房及膳食费 （120 天）。
常年保费表 (Annual Premium Rates)
之前跟大家分享了《Medical Card 保险医药卡 benefits》后，大家大概知道医药卡提供的惠益 (benefits)。那么签购 100 配套的医药卡需要付多少钱的保费 (premium) 呢?
根据研究，保险公司包括: Great Eastern, AIA, Prudential 等等都把保费分成主要两个类别，男性 (male) 或女性 (female)。接下来，他们会根据年龄再次分类，我在以下准备了男性投保人保费表 (male medical card premium rate)。
6 岁以下的投保人是年纪越小，保费越贵，或许年纪越小，住医院 (hospital) 治疗的机会比较大。16岁 – 35 岁的投保人则享有最便宜的保费，这个年龄层的投保人已经健康成长，不会有太大的健康问题。
56岁以上的投保人给予的医药卡保费是非常贵，因为年龄大了，患上疾病住院的机会越来越大。
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what is premium rate means?
The figure in the table the payment for 1 month or 1 year?
If i buy ECP 200, age range 16 -35. The table shows RM534. Means i need to pay RM534 every month?
Btw, the table you show above is from which company?
The medical card fee is once a year, means you have to pay about RM 534 only for one year.
Hmm, most of the Insurance Company have their own price table, but not much different.
Hi, wow, you have very informative blog!
Thanks, Hayley. Welcome to my blog.