Insurance
PRODUCTS / HOSPITAL INCOME
Hospital Income
Secure your finances during hospital stays with our dependable hospital income insurance plans. Designed to provide financial relief when you need it the most, our coverages ensure that you can focus on your recovery without worrying about the financial strain. Through insureKU, you’re investing in peace of mind and the ability to manage unexpected medical expenses.
We protect you against risk
At insureKU, we’re committed to offering the right coverage at the right price and value. Our hospital income insurance plans are tailored to provide you with financial support during hospitalization. By choosing us, you’re taking a proactive step to safeguard your financial stability while you focus on your health.
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The Right Coverage. The Right Price. The Right Value
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Financial Assistance
Hospital income insurance gives you financial help while you're in the hospital. It covers some of the costs so you don't worry about money.
Flexible Use of Funds
You can use the money from your insurance for different needs, like medical bills or everyday expenses, giving you flexibility during recovery.
Supplement to Lost Income
If you can't work because of hospitalization, this insurance helps replace your lost income, keeping your finances stable.
No Restrictions on Provider or Treatment
You're free to choose any hospital or treatment. The insurance supports your decisions without limitations.
Peace of Mind
With hospital income insurance, you have peace of mind knowing you're covered financially, allowing you to focus on getting better.
Additional Benefits
These are extra perks that come with your medical card. They could include services like dental care, wellness check-ups, or coverage for certain treatments.
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Deductible Amount
This is the initial amount you agree to pay before your insurance coverage kicks in. For instance, if your deductible is RM500 and your bill is RM1,000 , you will pay RM500, and the insurance covers the remaining RM500.
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Why choose us
Fast, dedicated, professional
Experience the difference of a fast, dedicated, and professional insurance aggregation partner. Our streamlined process ensures you get the coverage you need quickly and efficiently. Our team is dedicated to guiding you through the process, from selecting the right hospital income plan to addressing any concerns you may have. With our expertise, you can have peace of mind knowing that your finances are protected during hospital stays.
Tips: Protect the Things that Matter to You
Your health and financial well-being are paramount. With our hospital income insurance plans, you’re not just purchasing coverage; you’re ensuring that you have the support you need during a challenging time. By alleviating financial stress, you can focus on your recovery and be there for your loved ones.
* It’s important to review the specific terms and conditions of hospital income insurance policies as coverage may vary. Consider factors such as the daily or weekly benefit amount, the maximum duration of coverage, and any waiting periods before benefits become payable. Understanding the policy details and exclusions is crucial when selecting a hospital income insurance plan that suits individual needs and circumstances.
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Insurance partners
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SUPPORT
1. What is Term Life Insurance / Term Life Takaful?
Term Life insurance or Term Life Takaful is one the simplest and most reliable financial solutions that will protect your loved ones when you are no longer able to. The benefit will allow your family to cope with loss without the additional stress of worrying how to make ends meet. The money can help them to:
- Pay off the remaining mortgage.
- Cover personal debts and loans.
- Maintain their quality of life and pay day-to-day expenses.
- Cover your childrens’ school tuition.
- Cover funeral expenses and provide an inheritance plan.
We realize there is no “one size fits all” life insurance plan, thereby, we provide a full range of solutions to suite every stage of life. By partnering with insurers in Malaysia, we are able to provide products for individuals looking to protect their families, their business, mortgage or themselves.
2. Do I Need Term Life Insurance or Term Life Takaful?
If you are married, have children, or parents who depend on you, it’s wise to have a term life insurance policy or term life takaful certificate that provides a safety net should something happen to you for a specific period. A policy or certificate will protect yourself, your assets and your loved ones when you no longer can. The payout from a policy could mean that it helps with medical bills, mortgage payments, outstanding debt, or monthly income for your family.
3. What does life insurance cover?
Life insurance pays out a lump sum to your beneficiaries if you die. Often the funds are used to pay off a mortgage, to help raise children, or to cover rent and day-to-day expenses. Funds can also be used to settle medical bills or co-signed debts that would otherwise be transferred to your partner.
There is no income or capital gains tax on life insurance payouts, however you could be subject to inheritance tax if your estate (the sum of your anything you own) is over a threshold. This can be sidestepped by placing the policy in trust, so that you beneficiaries become the trustees, and the policy is no longer part of your estate.
4. When is the best time to get covered?
The younger you are, the cheaper your life insurance policy is likely to be. This means it’s more efficient and cheaper in the long run to get covered as soon as you’re considering it, or soon as you have dependents.
5. Can I get covered if I've had health issues?
Everyone is unique, and every policy is underwritten individually. While health history is one of many price factors (often also including current health, age and use of tobacco), it doesn’t in any way prevent you from receiving quotes. Our experts have helped many happy applicants with pre-existing conditions and health challenges.
6. What does medical card cover?
Medical card covers all hospitalization bills. All bills related to admission of illness, whether it is illness or accidental will be covered according to the Annual Limit of the card.
7. Whom should I contact if I have an issue?
Please send in our queries to info@insureku.com and our helpdesk will revert to you the soonest possible. Alternatively, you may click on the contact us icon on the website to send us your queries and we will email you on the related matter.
8. Will I receive a policy or certificate contract after my application?
Yes, you will receive the policy contract from the insurer or takaful operator that you have purchased it from. The specific insurer will email the contract to you directly once the purchase of the policy/certificate is successful.
9. What do I do when there is a claim?
You would have to contact the specific insurer when there is a need for claim. The details of the number will be given in the policy contract. You may click on the claim tabs of the specific insurer/takaful operator on insureku.com and it will redirect you to the specific claims department.
10. What should I do if my payment is not successful?
You may email to info@insureku.com or click on the contact us tab and submit your details there and our customer service team will get back to you the soonest.