How important of medical card and life insurance?Below is billing medical cost example.
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Client A_PRUvalue med-RM150 (1 yrs policy inforce) due to URTI and Viral Fever
1) Pre-hospitalisation Treament benefit(within 60 days before hospitalisation) - As Charged
2) Post-hospitalisation Treament benefit(within 90 days after hospital discharge) - As Charged
3) Outpatient Cancer Treatment Benefit and Outpatient Kidney Dialysis Benefit (RM1.5 million per lifetime)
4) Room & Board Benefit (150 days per year). Room & Board Entitlement RM200/day, this can upgrade in policy depend on client necessary.
This patient was sick and keeping into fever. Refer to billing summary as below
Room & Board (2days): RM140
Hospital Charges: RM2547.05
Grand Total Actual Incurred: RM2687.05
Paid by Prudential: RM2387.05
Paid by Policy holder: RM300 (deductible)
Image Credit To Prudential Image
Client B_PRUvalue med (2 months policy inforce) due to accident cause
1) Pre-hospitalisation Treament benefit(within 60 days before hospitalisation) - As Charged
2) Post-hospitalisation Treament benefit(within 90 days after hospital discharge) - AS Charged
3) Outpatient Cancer Treatment Benefit and Outpatient Kidney Dialysis Benefit (RM1.5 million per lifetime)
4) ICU-Intensive Care unit Benefit (90 days per life) - As Charged
5) Room & Board Benefit (150 days per year)
Refer to billing summary as below
Room & Board (55.5 days): RM9,490.50
ICU Benefit (4.0 days): RM648
Hospital Charges: RM299,694.72
Surgical Benefit: RM41,318
Non Coverable Expense: RM1,396.26
Grand Total Actual Incurred: RM351,151.22
Paid by Prudential: RM349,754.96
Paid by Policy holder: RM1396.26 (Non Coverable Expense). Refer below breakdown table of excluded amount
Image Credit To Prudential Image
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