Young, Fit and Female? Here are the best insurance plans for you

Looking for a good a health insurance policy can seem like such a hassle, but as a woman it’s important to find one while you’re still young and healthy. Choosing the right individual health insurance policy early on will save you a lot of hassle in the future.

After all, according to a February 2013 report for The Kaiser Family Foundation, over their lifetimes women tend to utilize more medical services than men due in part to “longer life expectancies, the need for reproductive care, and a greater likelihood of chronic disease and disability”.

Medical and health insurance have been available in Malaysia since the 1970, and over the years it has become more and more of a necessity as many locals are choosing to get private healthcare to take advantage of the quicker service and better options compared to the government’s general hospitals. If you haven’t bought health insurance for yourself already, now may be a good time to do so!

Prudential PRUlady

A personalized insurance plan for women from all walks of life, PRUlady is a regular premium non-participating life insurance plan that provides you with protection against female illnesses, death or Total and Permanent Disability up to expiry age of 70 years old. In addition, it also pays Life Change Benefit for various life events and covers female-only issues such as pregnancy complications and congenital illnesses.

Aside from critical illnesses, PRUlady also provides cover for certain ‘life changing’ events up to a maximum of 9% of the sum assured. These events include things such as buying a property, marriage, childbirth, and retirement. In addition to this, this policy allows you to get all your money back on the premiums you’ve paid when it reaches maturity. The sum assured or face amount will vary depending on the plan you choose, but typically ranges between RM25, 000 and RM100, 000.

PRUlady is designed specifically for females – no boys allowed! As long as you’re a female aged between 17 and 45 years old, you should be eligible to sign up for this plan.

A-Life Lady360

A-Life Lady360 is a comprehensive female plan that meets your protection needs. This plan provides you with life insurance benefits along with a number of first-in-market features specially designed for women.

When you purchase A-Life Lady360 and sign up as an AIA Vitality member, you’ll get an additional bonus every year, called the Yearly Cash Bonus. You will receive this bonus as a reward for your healthy choices, and may get a cash bonus of up to 50% of your basic premium paid every year.

A-Life Lady360 also provides a number of other benefits including Bundle of Joy and Gift of Joy rewards for new mothers, Comprehensive Female Cancer Protection, and Female Care and Pregnancy Benefits. This plan also offers financial rewards such as a Cash Reward for important milestones (marriage, childbirth, and golden age), Maturity Benefits, and a Yearly Cash Bonus.

Kurnia MediGUARD Lady

The modern-day woman is a superhuman with plenty to worry about every single day. Yet the majority of women must also deal with certain gender roles that only women can perform – the main one being child-bearing. Aside from that, due to their highly demanding and stressful lifestyles many women are also at risk of developing female related cancers.

Kurnia MediGUARD Lady is a medical insurance made specifically for women. Using this policy, you can have the flexibility to choose the ideal medical plan that best suits your needs as a woman. Kurnia MediGUARD offers protection against female illnesses, including almost all types of female cancers, facial or dental reconstructive surgeries for injuries sustained in accidents, pregnancy complications, and maternity death.

The policy also provides Second Surgical Opinions, meaning you can get a second opinion from another doctor at another hospital if you’re unsure about whether or not you really should go through a surgical procedure. The extended benefits of this policy also includes procedures such as organ transplants based on the lifetime limit of your plan. You can also receive a daily cash allowance for choosing to get admitted in a government hospital, and you’ll get an RM50 reimbursement when you do a medical report.

Sign up for Kurnia MediGUARD Lady today to enjoy 24 hours medical coverage worldwide.

MSIG Ladies Lifestyle

An insurance policy made especially for women, MSIG Ladies Lifestyle is a critical illness plan designed to deal with the many illnesses that women are particularly vulnerable to. Like most health insurance plans, MSIG Ladies Lifestyle covers many types of critical illnesses ranging from cancer to heart disease to liver failure. Aside from that, this policy also has optional coverage for certain illnesses such as Maternity Risks and Congenital Abnormalities of Born Babies so that you are covered if your pregnancy has any complications.

Apart from that, MSIG Ladies Lifestyle also offers you 24 hours personal accident coverage anywhere in the world as well as snatch theft losses protection. You can also claim a reimbursement from MSIG for non-critical medical expenses such as facial reconstruction surgery or dental surgery due to an accident.

 

Tokio Marine Premier MedicPartner

Tokio Marine Premier MedicPartner is a specially designed medical coverage plan that ensures that you’ll have protection in any situation. With four different plan options to pick from, you’ll be spoiled for choice when it comes to selecting the protection you want at the prices you need.

Tokio Marine Premier MedicPartner helps to take care of most medical and hospital expenses. You will also be covered for any required surgeries or emergency medical assistance. The policy also offers helps for outpatient care such as dialysis or physiotherapy. There are also special benefits such as Ambulance Fee, Lodger Benefits (daily, up to 60 days), Traditional Medical Treatment, Medical Report Fee, Organ Transplant (once per lifetime), Funeral Benefits, and more.

This plan is open to anyone from the age of 18 year old and above. However, parents who would like to purchase the policy for their children should note that their child must be over 30 days of age to be eligible. Also, your child can remain under the umbrella of the policy until they’re either 18 or 23 and still studying.