ING Medical Card Premiums

Fulfilling Your Total Healthcare Needs

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With ING MediPlus Insurance, you are covered worldwide 24 hours a day. You need not worry about funding for healthcare costs or it being a burden on yourself and your loved ones. It is designed to give you maximum protection, flexibility and convenience at minimum cost. All you have to do is select from a choice of three IMPlus plans that suit your needs and let it work for you.

The table below illustrate the annual premium for all 3 plans under the ING MediPlus
(For both genders and on assumption that the applicant’s occupation is standard within ING’s  classification)

Comprehensive Hospitalizations & Surgical Coverage

Schedule of Benefit	IMPlus 1 (RM)	IMPlus 2 (RM)	IMPlus 3 (RM)
Hospitalisation & Surgical Expenses
a) Room & Board (daily limit)	120	180	260
b) Intensive Care Unit(Total period for Hospital Room & Board and intensive Care Unit up to a maximum of 60 days per disability)	300	300	300
c) Surgical Expenses(Surgical fees, Anaesthetist fee and Operating theatre charges) including post surgical care up to sixty (60) days from date of discharge)	As charged subject to self-insured deductible RM50**
d) Hospital Expenses
e) Pre-Surgery/Medical Specialist ConsultationIncludes fees incurred for consultation within 31 days prior to hospital admission or Day Surgery
f) Pre-Surgery/Medical Diagnosis Test
g) Daily Cash Allowance at a Malaysian Government Hospital (per disability)	50	50	50
Out of Hospital Benefits
a) Day Surgery Benefits	As charged subject to self-insured deductible RM50**
b) Emergency Accidental Outpatient Treatment – up to 31 days from the date of accident	As charged
c) Post-Hospitalisation or Day Surgery Follow up – up to sixty (60) days from date of discharge or Day Surgery
d) Out- Patient Cancer Treatment
e) Out-Patient Kidney Dialysis Treatment
f) Home Nursing Care Limit per disability. Valid within 7 days from the date of hospital discharge, subject to a minimum of 3 days hospitalisation	500	1,000	2,000
Overall Annual Limit	50,000	100,000	150,000
Lifetime Limit	150,000	300,000	450,000

**A deductible amount of RM50 is payable by the policyholder. This deduction is applicable per hospital admission/Day Surgery.

ING Medical Card (IMPlus) cashless

Medical cards and medical insurances are necessary because all services cannot be offered by a government hospital. Government hospitals can offer emergency and essential medical care but usually there is a long waiting list.

Possession of a medical card will be able to give you more choices. A medical card can help you prepare for these costly expenses and ensures comprehensive coverage in medical, surgical and hospital costs, ambulance fees and other related medical charges.

Imagine having a medical plan that guarantees hospital admission and takes care of your medical bills upon discharge at our panel hospitals. This is what the ING MediPlus (IMPlus) can do for you. With absolute convenience and hassle free hospitalization, you now have the comfort and peace of mind to focus on what is more important ?your health.

With IMPlus, you need not worry about funding for healthcare costs or it being a burden on yourself and your loved ones. It is designed to give you maximum protection, flexibility and convenience at minimum cost. All you have to do is select from a choice of three IMPlus plans that suit your needs and let it work for you.

With cashless facility (using ING Medical Card at our panel hospitals), we will pay the medical bills according to the plan you have purchased, without you having to make payment first.

What Is Cashless Medical Card ???

As a policyholder of this kind of cashless medical cards, just present the card at any participating hospital to facilitate your hospital admission. You do not need to worry about preparing and submitting claims as all expenses under the medical card will be paid directly to the hospitals.

However, this kind of medical cards are becoming less available due to misuse and very high claim rate.

Benefit of ING Medical Card:

Referral Emergency Assistance Programme

Comprehensive Hospitalization and Surgical Coverage

Out-of-hospital coverage

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About ING Group

ING is a global financial services company providing banking, investments, life insurance and retirement services and operates in more than 40 countries.

Today, ING has become a truly global brand. We have rebranded over fifty labels to ING and worldwide brand awareness continues to grow. In 2004, ING first entered the Interbrand top-100 global brands list. Since then, has it climbed to 81st position indicating a growing brand awareness. Across the world, more and more people see that ING is delivering on its promise: a commitment to providing the financial services solutions our customers value.

About ING Malaysia

In Malaysia, ING Insurance provides all classes of insurance ranging from life insurance, general insurance and employee benefits. ING Insurance has the financial strength, experience, service centre network, as well as a team of well-trained staff and agents to serve its over 1.5 million customers nationwide. As at the end of 2008, its total asset worth was RM10.5 billion, with a paid-up capital of RM140 million.

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