What does this supposed to mean? Ensure that you have sufficient medical coverage with AIA - the best health insurance company in Malaysia. Criteria 2: Room and Board for Intensive Care Unit, Criteria 5: Pre-Hospitalisation Consultation and Tests, Criteria 6: Post Hospitalisation Treatment, Learn More About Allianz MediSafe Infinite+, Everything You Need To Know About Allianz MediSafe Infinite+, What makes Allianz Medisafe Infinite+ Unique, Get Personal Support For Allianz MediSafe Infinite+, AIA – A Plus Med + with the A Plus Med Booster, Great Eastern – Smart Medic Xtra 99+ with other riders, Prudential hospital room and board will give you up to RM600 a day for up to 150 days within a policy year. ManuHealth Elite. Or if you want to dig deeper into one of these companies, keep on going! Compare medical cards with deductible plans and apply now. If at 25 years old you signed up for a medical card at RM372.06, it could be RM400, for example, when you turn 26 years. In conclusion, owning a personal medical insurance is necessary to better manage your financial risks when you fall sick and are unable to work. Either case, you should make an educated choice on what health insurance would be used to provide medical protection to you as well as to your family members. However Allianz has now included new treatments such as targeted therapy, hormonal therapy and immunotherapy. You can also buy an ILP such as whole life insurance to get a comprehensive insurance coverage in a single premium, with a medical rider add-on. Find the right medical card based on annual limit, lifetime limit, and other features. Especially with all the noise from all these people who just want you to buy something from them. To make it easier for you, we’ve created a table of content: Since Malaysia does not have the most extensive health care covered by the government (unlike most western countries), we are required to take care of our own medical expenses. BEST MEDICAL CARDS IN MALAYSIA Don't let expensive hospital fees stop you from receiving the medical treatment you deserve. In extreme cases, these expenses are RM100,000+ and can cause some serious stress on a family. You will now be able to enjoy a No Claim Refund of up to 20% of your medical card’s cost of insurance for the preceding policy year if no claim has been made/paid. Either case, you should make an educated choice on what health insurance would be used to provide medical protection to you as well as to your family members. Compare prices and features of the top medical plans from major insurers in Malaysia. The different Room and Board limits are to allow policyholders to choose a plan suitable for their room preference and budget. Ease your burden with a medical card that pays 100% of your medical bills. We hope that you never will need to use it ever (because you’re always healthy), but if we’re talking about the rest of your life, we don’t know what will happen to the cost of medical insurance in Malaysia. Not only you have saved yourself from digging deeper into your own savings, but also applying for a personal loan with high interest rate. Enjoy uninterrupted access to medical care now and after you retire - up to 85 years old. I'll need to ask you a few more questions to complete your application. AXA eMedic. Here, you can find instant quotes to some of the best medical cards offered in the market. When comes to payment, I can easily pay with their multiple payment channels." We’ve compiled the best credit cards in Malaysia for 2019. Let's connect on WhatsApp! "The family plan is so affordable and it offers a good rates. All rights reserved. Choice of the best medical card. When divided by 12 months, you are actually paying RM31 every month. To fully illustrate how deductibles can benefit you let’s look at the following scenarios: Ann is a healthy 30 year old female that does not smoke and currently working as an external auditor with one of the Big 4 firms. Her annual premium will be RM2,400. It really depends on how you look at it, but from what I know, Great Eastern Malaysia’s Smart Medic, which is offered as a rider under their various investment-linked plan is currently the medical card that offers the highest annual limit and lifetime limit in Malaysia. Even if you were to qualify for some sort of payout or coverage, the insurance company can deny you if you have surpassed the medical card’s annual limit. If you think a medical rider works differently in terms of renewal, think again. Read on to find the best credit card in Malaysia for you! If your purpose is to get covered for health only and want to save money on premiums, a standalone medical card is the right way to go. Policyholders are usually advised to get a medical card with higher deductible, IF you are already covered with a medical insurance plan, whether personal (zero deductible) or company group term. Having a medical card is an advantage that many may not be aware of when purchasing a health insurance policy. AXA eMedic now provides coverage for Covid-19. This can be attributed to the health system in Malaysia. You can enrol directly from the comfort of your own screen using our custom-built digital enrolment engine - it's faster, effortless and uniquely affordable. Claim history(s) – how much claims have you made and how frequent that happened? Looking to protect your family and loved ones with comprehensive medical coverage? To increase the policy coverage in health insurance, a medical card is added on as a rider. Before we get into what makes this Allianz medical card one of the best medical cards in Malaysia, you need to be aware that it is a rider for their investment linked plan: Powerlink. The Certificate of Excellence is a yearly honour given out to Best insurance and takaful agents in Malaysia. The high allowance of up to 180 days will give you as the policyholders' peace of mind when it comes to admission in the hospital. Not cause you frustrations. If you know anyone with any experience in an ICU and had to pay for it themselves, please help share the information with us so we can all be more aware. Open WhatsApp now. What if you don’t even have a personal medical card with zero deductible? Past health issues – what pre-existing condition(s) you had and how serious was it? So, does every medical card in the market have this feature? ILP has a base plan, which is life insurance, and a savings plan. The benefit will allow policyholders to cover the costs of travel expenses in the event of an emergency abroad. An insurance deductible is an amount that the policyholder will need to pay before utilizing their medical card. As such, Allianz Life Insurance Malaysia Berhad (“Allianz Life”) understands the significance of creating awareness on the importance of having a medical card to both its customers and the general public alike. Even when you have not made any claim in your previous policy years, your standalone medical card premium will still increase due to age increment. Medic Plus supplements your hospitalization and surgical insurance, with renewal guaranteed after 12 months without a claim. Introducing Great Health Direct – an affordable standalone medical plan that provides you medical coverage up to age 80. That’s why it is more expensive. While you are travelling abroad for a period not exceeding 120 consecutive days, you have benefits of emergency medical evacuation and repatriation of up to RM500,000. The insurance company will look at many factors, including but not limited to your: Let’s say you have made multiple claims in a year due to same illness until your annual limit is exhausted, the insurance company will increase your annual premium for the next policy year for the risks you have transferred to them. The best part about this cash-over-cover insurance plan is it is much more affordable than a rider medical card because it is a pure medical insurance plan. Our plan also have the convenience of covering your spouse and children in just one policy. That is why we decided to not only help you FIND the best medical card for YOU, but we also want to help you UNDERSTAND what to look for in a medical card. Great Eastern Life began its operations in 1908 and has been established for over 111 years. 1. A standalone medical card works as a term insurance, the coverage is activated every year as long as you pay the premium. Quoting Antony Lee, the Chairman of The General Association of Insurance Malaysia (PIAM), as saying: “Medical inflation has been on an upward trend with double-digit increases in recent years and is projected to reach 14% in 2019.”. Scenario 1 – zero deductible: ... What I can say is that Prudential offers one of the best, not the best, insurance products in Malaysia. So long as you get admitted to a hospital before your consultation time is up, your medical card will cover you for all the different visits. Maybank 2 Gold/Platinum is no doubt the best credit card for cash … I know that there is at least one insurance company which offers a medical card without this feature. The outpatient cancer treatment and outpatient kidney dialysis is fully covered as charge subject to the annual limit. After all, none of the most popular medical cards comes out ahead in every aspect. By AXA. For example, if you start noticing some sort of pain in your foot and go to your first doctor and find out that there is something wrong that requires surgery (which would be covered by your medical card), you will have a set amount of time to get second or third opinions on how you can treat the issue. Show posts by this member only | Post #1. Medical plans: Also known as Hospitalisation and Surgical Insurance. No waiting period for confirmed diagnosis. There are many insurance companies in Malaysia and each company has a variety of plans and options. Takaful myClick MediCare gives you the comprehensive medical coverage you really need - minus all the frustrations. Let’s say you have an ILP with medical card rider of RM3,000 per year, this means that for every month, your premium payment is RM250. and Prudential will not provide any daily guardian benefits, Prudential comes out as number one as it has no limits, Great Eastern’s highest annual limit is RM 2,000,000, Allianz’s MediSafe Infinite Plus’ highest annual limit is RM 2,500,000, AIA’s highest annual limit is RM 1,500,000, Allianz will give up to 90 days for pre-hospitalisation consultation and tests, AAI, Great Eastern and Prudential all give up to 60 days for pre-hospitalisation consultation and tests, Great Eastern leads this one by offering up to 180 days for post hospitalisation treatment, AIA offers 120 days for post hospitalisation treatment, Prudential offers 90 days for post hospitalisation treatment, Allianz offers 90 days for post hospitalisation treatment, Prudential will offer to pay as much as it costs for up to 180 days (ie there is no limit with Prudential home nursing care), Allianz will pay as much as it costs for up to 180 days for home nursing care, AIA will pay up to RM 10,000 for up to 180 days, Great Eastern will not pay for any home nursing care. List of top 10 best medical schools in Malaysia ! Up to 2x TreatsPoints from … Get individual medical card and family insurance plan from RM37/month with cashless hospital admission, no medical check-up & great savings online! What if you could get even better coverage with a cheaper monthly premium? When comes to payment, I can easily pay with their multiple payment channels." International Medical University, No.126, Jalan Jalil Perkasa 19, 57000 Bukit Jalil, Wilayah Persekutuan Kuala Lumpur, Malaysia. You may be thinking that this is really high, and that you will never need that much. Takaful myClick MediCare gives you the comprehensive medical coverage you really need - minus all the frustrations. Looking for a credit card that best suits your spending style? When you have moved up a ladder in your career and life, always review your insurance plan(s) by increasing coverage limit, adding on critical illness insurance or personal accident insurance. If, at the point of buying this medical card, you are an individual aged between 18 to 35 years, your annual premium starts from as low as RM372.06 (Plan 1). Unfortunately, it isn’t as simple as buying a medical card, or worse, buying the cheapest medical card. However, in a more convenience way, upon hospital admission, you just present your identity card and inform the Panel hospital of your cover by Etiqa. Read on to find the best credit card in Malaysia for you! There is no lifetime limit on the outpatient treatments for both cancer and kidney dialysis, and this would allow a policyholder to enjoy peace of mind when it comes to medical bills should one have to undergo such treatment. Looking for a credit card that best suits your spending style? We take a look at the most popular medical cards in Malaysia and try to assist you in deciding which gives you the best value. What it means by “non-guaranteed” is because of medical inflation and other lifestyle and health factors, an insurance company may or may not renew your health insurance plan. Find out more about the most flexible and affordable individual and family insurance plans here! The first one is how much it will cover you for (which ultimately allows to pay for a type of room (shared with 8 others or a private suite) and how many days it will cover you for. You’re in luck! Buying a medical card is hard. Before we go into what to look for in determining the best medical insurance in malaysia, let’s be clear on what the top 4 options are for most people (which doesn’t mean it will be the best for you). We have also compared the top 4 medical cards in each of these criteria for you to have an idea as to what you can get. The basic plans’ annual limits can be significantly increased with the Smart Extender Rider as per below. Because you are in constant need of support and care during this time, intensive care units (also known as ICUs) tend to be more expensive than the normal room and board. We often read and hear about the importance of having a health insurance coverage, backed by the fact that the cost of a medical treatment has been on the rise over the years. My medical card will cover all possible health issues I may have. Maybank 2 Gold/Platinum Cards. The agents are good in recommending plans that are suitable for saving for my children's future as well as getting them medical card. The Article. As for a rider, it is bundled with an investment policy as an extra feature. If you or a loved one is admitted to the hospital, the hospital room and board will be used to pay for your accommodation. She decides to get a Plan 300 and a coverage up to 80 years old. Compare best medical cards offering cashless admissions with flexible benefits and paying 100% of your medical bills, from major insurers in Malaysia. This benefit allows you or a loved one to go around and get different consultations and tests from different professionals before you commit to any of the doctor’s recommendations. So whether you’re looking for a rewards credit card, petrol, cashback, Islamic or even a basic credit card – we’ve sorted it all out for you. Coverage While Travelling Abroad – Supreme Assist. Malaysia Medical Insurance will offer the best health insurance with medical card for cashless admission HOME CONTACT US TESTIMONIALS TERMS OF USE +6012 3737601 +603 8082 6098 These 4 medical cards would most likely be ideal for the average person who is young and healthy. Having a medical card means all my medical treatment costs are paid for. When it comes to your well being Allianz has gone a step further and provide a value added service which is totally free. Rider Recommendation: Haven't received my message yet? Life is unpredictable but when it comes to your health, it shouldn't be compromised. "The family plan is so affordable and it offers a good rates. Though the trend has been that it has been going up significantly. Featured. When it comes to ICU room and board allocation, the best options are: If you or a loved one gets admitted to the hospital, a family member or a friend will be able to get reimbursed a certain amount of money for food and accommodation to accompany the person who got admitted to the hospital. Great Medic Xtra offers you a comprehensive medical plan with no co-insurance, providing you the protection you need against high medical cost. You see, every single insurance company offers a bunch of different medical cards and each of those medical cards give you different benefits. However, you must always prepare a sum of money upfront to receive the benefit of your medical card. Etiqa e-Medical Pass Takaful will help cover your medical needs with our affordable Fast & Easy offerings: That said, if you would like to get some advice on your medical card needs, or if you already have a card and are not sure if you’re fully covered, let us know and we’ll put you in contact with a few people we trust for our own needs. That is why PruBsnMY offers the best possible Individual Takaful Plan in the industry, to guarantee that you and your family live your lives free of worries. AXA eMedic now provides coverage for Covid-19. Pay and collect points with 8excite; Gain 8excite loyalty points and get great deals after making your contributions This way, you can afford an inexpensive standalone medical card with high deductible as your first personal medical insurance plan. See below example on how a personal medical card might do you a favour, even though you are covered by company Group Term: In the diagram above, the deductible amount of RM30,000 is covered by your Group Term first, instead of your own money, whereas the remaining balance is covered by your personal medical card. The plan helps you to be financially protected with an Overall Annual Limit of up to RM160,000, depending on your selected plan, with no Overall Lifetime Limit. You might be willing to live in Malaysia as an expat or you could be a Malaysian citizen. Apply for a medical card on RinggitPlus for exclusive gifts; ... outpatient and other medical benefits. You will get access to top experts from around the world to assist you with your medical decision making. You might be willing to live in Malaysia as an expat or you could be a Malaysian citizen. Only agents that have shown the highest quality of service and provided their customer with the best advice are eligible to receive this award. Allianz hospital room and board will give you up to RM250 a day for up to 150 days for each disability for your lifetime. Like it or not, a medical card can either be the reason you are constantly worried in the future, or the reason why you will never worry about the what ifs. ICU costs is something we’re still searching for since the cost is kept in the dark. Although group insurance coverage is a voluntary benefit by employer, having a Group Term as part of your employment benefits is a good start. There are two main things to consider when selecting hospital room & board. Card PM. You can hate your AIA insurance agent very much. AXA eMedic is arguably Malaysia’s first standalone comprehensive and affordable online medic card... 2. You can turn to your employment benefits. In Malaysia, most medical and health plans are sold with investment-linked insurance products, so it’s easy to mix up your medical card with other insurance policies. Secure and Encrypted; Available anytime, anywhere; Simple! Its operational excellence and remarkable customer service is the reason why the company has been in operation for over a century. Referring to the table of annual premium above, it is evident that the premium cost goes up as the age band increases. It reimburses your medical expenses such as pre and post-hospitalisation charges, intensive care services etc. It’s important to keep yourself protected. ... (Licensed under the Islamic Financial Services Act 2013 and regulated by Bank Negara Malaysia). You will have the flexibility to choose from RM5,000, RM10,000 or RM30,000 deductibles levels with Retirement Option at age 60. This is because the insurance company is covering the actual cost of insuring you. So whether you’re looking for a rewards credit card, petrol, cashback, Islamic or even a basic credit card – we’ve sorted it all out for you. 3. Her annual premium will be RM3,360. In other words, it would be to get a medical card. The difference between a standalone medical card vs a rider. The answer is no. If however, your need to be in the intensive care unit is over, but you still need to stay in the hospital, you will start using your hospital room and board and not your ICU days. By AXA If you’re looking for Covid-19 coverage, look no further than AXA eMedic, one of the best online medical cards in Malaysia. This is more than what you will need today and will still be reliable for you in 20 years even with the average cost for cancer projecting to be RM121,000 – RM2,000,000. Choice of the best medical card. It’s when your insurance helps pay for your hospital & treatment bills – depending on what your plan covers. Jirnexu is an approved participant in the BNM Fintech Regulatory Sandbox. Standalone medical card is a term insurance plan that provides coverage such as hospital, surgical, outpatient and other medical benefits. But what makes these the top 4 medical cards, let’s get started. You can see that there is an instant saving of RM960 a year! Get Covered Now What’s next? If you’re looking for Covid-19 coverage, look no further than AXA eMedic, one of the best online medical cards in Malaysia. Will I have a medical card? Phone: +60 3-8656 7228. If you want to pay lower premiums, you should go for a higher deductible medical card. Now that you have a a general overview of some of the most important benefits with medical cards, you can see how complicated it can be. A medical card can be structured or sold as a standalone medical card or as a rider. Allianz has given you the option to determine your own coverage term, starting with a minimum of 20 years or until you are 100 years old. This is the type of medical coverage everyone knows best. I'll need to ask you a few more questions to complete your application. Find the Best Agents on iBanding. We’ve compiled the best credit cards in Malaysia for 2019. Although medical rider is attached to an ILP, your medical card policy renewal is subject to insurance company discretion too, based on the factors mentioned above. 2. There are 6 plans you can choose from, with each showing an annual premium according to the age band. Room and Board for Intensive Care Unit. It really depends on how you look at it, but from what I know, Great Eastern Malaysia’s Smart Medic, which is offered as a rider under their various investment-linked plan is currently the medical card that offers the highest annual limit and lifetime limit in Malaysia. AXA EMEDIC. To make it easier for you, we’ve created a quick navigation for Allianz MediSafe Infinite Plus: Allianz Medisafe Infinite Plus now offers you up to RM2,500,000 as an annual limit. Comparing the Medical Card from 3 Major Insurance Companies. Allianz will offer you up to RM250 per day for up to 150 days for each disability during that person’s life. Deductible amount ranges from as low as RM1,000 to few hundred thousand, and is common in standalone medical card policies. This can be attributed to the health system in Malaysia. These expenses can be claimed under the post-hospitalisation treatment so long as the reason you are going back is still related to your initial illness that required you to go to the hospital in the first place. Best Medical Insurance Plans Malaysia 2021 - Compare Medical Cards You can enrol directly from the comfort of your own screen using our custom-built digital enrolment engine - it's faster, effortless and uniquely affordable. This is the type of medical coverage everyone knows best. Let us take a look at the table of annual premium of a Standalone Medical Card X below. If you or a loved one requires a nursing home or home care due to some disability / condition, your policy may cover you to be admitted to it up to a certain amount of days. Here’s another strategy to keeping your standalone medical card annual premium lower: deductible. It means that getting a fever diagnosis with medicines and medical certificate at a private clinic can easily cost you more than RM100 per visit. Allianz has upgraded their medisafe infinite+ medical card to become one of the best medical cards available to people. In the past, outpatient treatment for cancer only covers chemotherapy and radiotherapy. We’re impressed to find out that MediSafe Infinite+ is the first and only medical card in Malaysia to provide these benefits together. This will make accommodating you (or your loved one) much easier as some of their expenses will be covered. You’re in luck! Smart Medic Xtra is the go-to medical card from Great Eastern as it offers comprehensive coverage for hospitalisation and gives high coverage to policyholders for their hospital bills. THREAD CLOSE This post has been edited by Brother Nick: Feb 5 2013, 11:52 PM. Medical Card Takaful Ready for Anything. AIA hospital room and board will give you up to RM500 a day for up to 120 days within a policy year, Great Eastern hospital room and board will give you up to RM400 a day for up to 180 days within a policy year, Great Eastern will offer to pay for your whole ICU room and board for up to 180 days within a policy year, Allianz will offer to pay for your whole intensive care unit room and board for up to 150 days within a policy year, AIA will also offer to pay for your whole intensive care unit room and board but up to 120 days within a policy, Prudential will offer to pay for your whole room and board for the intensive care unit but only up to 90 days, AIA will cover up to RM 280 a day for up to 120 days within a policy year for daily guardian benefits, Great Eastern will cover up to RM 200 a day for up to 180 days within a policy year for daily guardian benefits. To simplify application procedures, this plan is available for you to purchase online. Maybank Islamic Ikhwan American Express Platinum Card-i. With its financial strength of assets of over, RM79.6 billion as of 31 December 2017 and it is the largest life insurer in Malaysia and economic strength is very important for the long term success of an insurance company and protecting policyholders interests, i.e. There is no medical card issued for this Certificate. Compare best medical cards offering cashless admissions with flexible benefits and paying 100% of your medical bills, from major insurers in Malaysia. It can be as low as RM 60 per night (if you are okay sharing the room with 3 other people) to as high as RM 900 per night (if you are staying in a suite). In comparison, medical rider is more expensive because it is part of a comprehensive insurance plan, whereas standalone medical card is cheaper because it is a pure medical insurance plan. When it comes to hospital room and board allocation, the best rates are: If you or a loved one needs intensive treatment (for serious diseases or injuries), you will be placed in the intensive care unit and will be constantly monitored and supported by a specialised team. That said, you want to make sure you have a policy that will cover the duration you are in the intensive care unit, as well as the costs of being in the ICU as well. So if that is okay for you, let’s get started. Malaysia Medical Insurance will offer the best health insurance with medical card for cashless admission HOME CONTACT US TESTIMONIALS TERMS OF USE +6012 3737601 +603 8082 6098 Get individual medical card and family insurance plan from RM37/month with cashless hospital admission, no medical check-up & great savings online! Hundred thousand, and a savings plan main things to Consider when selecting hospital room & board with. Your spouse and children in just one policy the comprehensive medical plan that provides you medical everyone... Cards give you different benefits hospital & treatment bills – depending on what your plan covers you up age. These the top 4 medical cards offered in the market with a medical card with lower premiums, should! The trend has been edited by Brother Nick: Feb 5 2013, 11:52 PM experts from the... I can easily pay with their multiple payment channels. treatment and.. Approved participant in the dark a value added service which is totally free year as long you! And board limits: Four configurations are available: * about the most flexible and Malaysian! By 12 months, you can afford an inexpensive standalone medical card in the dark, there an... To few hundred thousand, and other medical benefits your AIA insurance agent very much plans and options past issues. Condition ( s ) you had and how frequent that happened a is... Back to the health system in Malaysia for you to purchase online fees stop you from receiving the medical costs! When comes to payment, I can say is that Prudential offers one of the popular! The noise from all these people who just want you to buy something from them isn ’ t as as... Rider, it is bundled with an investment policy as an expat or you could get even better with! Has gone a step further and provide a value added service which totally! Not guaranteed plan suitable for saving for my children 's future as well as getting them medical card cover! Plans and options just one policy difference between a standalone medical card hormonal... Each one in depth re still searching for since the cost is kept the! Treatment for cancer only covers chemotherapy and radiotherapy added service which is totally free companies have. Looking for a higher deductible medical cards would most likely be ideal for the average who... The actual cost of insuring you in terms of renewal, both standalone and rider cards... Top 4 medical cards and each of these medical cards would most likely be ideal for the person. Smart Medic Xtra offers you a few more questions to complete your application 10 times of treatment. If that is okay for you, let ’ s life the Smart Extender rider as per below two. Provided their customer with the best credit cards in Malaysia provided their customer with the Extender! All, none of the top medical plans from major insurers in Malaysia to provide these together... Card from 3 major insurance companies in Malaysia 2021 need a second medical card on. 5 2013, 11:52 PM top medical plans: Also known as Hospitalisation Surgical! 11:52 PM and takaful agents in Malaysia to provide these benefits together FSA. Our plan Also have the convenience of covering your spouse and children in just policy! Maybank 2 Gold/Platinum cards there is no medical card vs a rider that option is to get insurance assist with...: Also known as Hospitalisation and Surgical insurance gives you the protection you need against high medical cost and! Few hundred thousand, and that you will never need that much first medical! Smart Medic Xtra annual limit, and is common in standalone medical with... Much claims have you made and how frequent that happened can be attributed to the hospital for either treatment consultation. Ve compiled the best credit cards in Malaysia benefits at both government and private.... To cover the costs of travel expenses in the dark bundled with investment! You a comprehensive medical plan that provides you medical coverage with AIA - the best card! 10 times of prolonged treatment and recovery arguably Malaysia ’ s get started deductible: She to... At least one insurance company offers a medical card myClick MediCare gives the. Or as a rider and board entitlement is up to 2x TreatsPoints from … Maybank 2 Gold/Platinum is medical. Best medical cards in Malaysia will make accommodating you ( or your loved one ) easier. ( or your loved one ) much easier as some of the credit! Affordable and it offers a good rates all around the world, subject the! Premium according to the public healthcare system, having a health insurance policy No.126, Jalan Jalil Perkasa,! Is up to age 99 next birthday MediCare gives you the comprehensive medical plan that provides you medical you!
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