When you or your loved one is sick or hurt, getting adequate and timely medical care is a must. More and more Malaysians are turning to private doctors and hospitals because of the greater number of qualified specialists on staff, newer facilities and a full suite of diagnostic and procedural equipment.
If you have taken your medical insurance/takaful as a unit deducting rider on an investment linked policy, the monthly cost for your coverage would gradually increase throughout the policy/certificate term. This pricing practice is in line with the fact that the older you get, the higher the chances that you’d make a claim.
Medical inflation is often higher than other goods and services due to improvements in technology and treatments, new drugs, people living longer and requiring more medical care, etc. Insurance companies/takaful operators might reasonably price an inflation rate of six to eight per cent to cover medical inflation.
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