[et_pb_section fb_built=”1″ admin_label=”Hero” _builder_version=”4.23.1″ use_background_color_gradient=”on” background_color_gradient_stops=”rgba(0,0,0,0.4) 0%|rgba(0,0,0,0.4) 100%” background_color_gradient_overlays_image=”on” background_color_gradient_start=”rgba(0,0,0,0.4)” background_color_gradient_end=”rgba(0,0,0,0.4)” background_image=”https:\/\/refugeemalaysia.org\/wp-content\/uploads\/2022\/11\/legal-protection.jpeg” custom_padding=”110px|0px|110px|0px|false|false” animation_style=”zoom” animation_intensity_zoom=”3%” global_colors_info=”{}”][et_pb_row use_custom_gutter=”on” gutter_width=”1″ make_equal=”on” _builder_version=”4.16″ _module_preset=”default” custom_padding=”0px||0px||true|false” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.27.0″ _module_preset=”default” header_font=”Poppins|600||on|||||” header_text_align=”center” header_text_color=”#FFFFFF” header_font_size=”50px” header_text_shadow_style=”preset3″ global_colors_info=”{}”]<\/p>\n
[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_row _builder_version=”4.24.0″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.24.0″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.27.2″ _module_preset=”default” text_font=”Poppins|700|||||||” hover_enabled=”0″ global_colors_info=”{}” locked=”off” sticky_enabled=”0″]<\/p>\n
Understanding Insurance Wordings<\/p>\n
[\/et_pb_text][dsm_faq dsm_accordion_gap=”20px” dsm_make_accordion_toggle=”on” dsm_open_faq_item=”on” dsm_enable_schema_markup=”on” dsm_open_toggle_margin=”||||false|false” dsm_open_toggle_padding=”||||false|false” dsm_close_bg_color=”#0072BC” dsm_open_font_icon=”K||divi||400″ dsm_close_font_icon=”C||divi||400″ dsm_close_icon_color=”#FFFFFF” dsm_animate_icon=”on” dsm_icon_placement=”right” dsm_content_margin=”||||false|false” dsm_content_padding=”30px||||false|false” _builder_version=”4.27.2″ _module_preset=”default” header_level=”h4″ header_font=”Poppins|700|||||||” closed_header_font=”Poppins|700|||||||” closed_header_text_color=”#FFFFFF” content_font=”Poppins||||||||” content_font_size=”16px” custom_margin=”||||false|false” custom_padding=”||||false|false” hover_enabled=”0″ border_radii_dsm_toggle_open_border=”on|10px|10px|10px|10px” border_width_all_dsm_toggle_open_border=”1px” border_color_all_dsm_toggle_open_border=”#0072BC” border_radii_dsm_toggle_closed_border=”on|10px|10px|10px|10px” global_colors_info=”{}” sticky_enabled=”0″][dsm_faq_child dsm_title=”What does \u2018pre-existing illnesses\u2019 mean?” dsm_content=”<\/p>\n
\u2018Pre-existing illness\u2019 means an illness you already had or been suffering from before you enrolled into REMEDI. You may be considered to have reasonable knowledge of a pre-existing illness if:<\/p>\n
\u2022 You have received or you are receiving treatment;
\u2022 Medical advice, diagnosis, care or treatment has been recommended;
\u2022 Clear symptoms are evident;
\u2022 Its existence would have been clear to a reasonable person in the circumstances.<\/p>\n
” _builder_version=”4.27.0″ _module_preset=”default” global_colors_info=”{}” parentOrderClass=”dsm_faq_6″][\/dsm_faq_child][dsm_faq_child dsm_title=”What does \u2018specified illnesses\u2019 mean? ” dsm_content=”\u2018Specified illnesses\u2019 means the following disabilities and its related complications, occurring within the first 120 days of the insurance:<\/p>\n
\u2022\tCardiovascular disease
\n\u2022\tAll cancers<\/p>\n
In other words, you cannot make a claim for the above two conditions within the first 120 days after you buy the insurance.” _builder_version=”4.27.0″ _module_preset=”default” global_colors_info=”{}” parentOrderClass=”dsm_faq_6″][\/dsm_faq_child][dsm_faq_child dsm_title=”On the leaflet, it says \u201csome conditions are excluded from this insurance.\u201d What does this mean? ” dsm_content=”Exclusions are medical conditions\/treatments that are not covered by insurance. Even if the patient has insurance, they need to pay for hospitalization due to these conditions on their own. Please refer to the \u2018What is not covered under REMEDI?\u2019 section for the full list.” _builder_version=”4.27.0″ _module_preset=”default” global_colors_info=”{}” parentOrderClass=”dsm_faq_6″][\/dsm_faq_child][dsm_faq_child dsm_title=”What does \u2018inpatient\u2019 and \u2018outpatient\u2019 treatment mean?” dsm_content=”\u2022 Inpatient Treatment<\/p>\n
Inpatient care is care provided in a hospital or other type of inpatient facility, where you are admitted, and spend at least one night\u2014sometimes more\u2014depending on your condition.<\/p>\n
\u2022 Outpatient Treatment
\nOutpatient treatment is any health care service provided to a patient who does not require staying overnight in a hospital. This includes patients who visit a hospital for treatment (which may take a few hours to perform) and return home the same day.
\n” _builder_version=”4.27.0″ _module_preset=”default” global_colors_info=”{}” parentOrderClass=”dsm_faq_6″][\/dsm_faq_child][dsm_faq_child dsm_title=”What is considered an \u2018admission\u2019?” dsm_content=”Admission to a government hospital as a registered inpatient for medical treatment upon recommendation of a medical practitioner.” _builder_version=”4.27.0″ _module_preset=”default” global_colors_info=”{}” parentOrderClass=”dsm_faq_6″][\/dsm_faq_child][dsm_faq_child dsm_title=”Does daycare count as a hospital admission? ” dsm_content=”No, daycare is not considered as a hospital admission and is not covered.” _builder_version=”4.27.0″ _module_preset=”default” global_colors_info=”{}” parentOrderClass=”dsm_faq_6″][\/dsm_faq_child][\/dsm_faq][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=”4.24.0″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.24.0″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.27.2″ _module_preset=”default” text_font=”Poppins|700|||||||” hover_enabled=”0″ global_colors_info=”{}” locked=”off” sticky_enabled=”0″]<\/p>\n
Insurance Coverage<\/p>\n
[\/et_pb_text][dsm_faq dsm_accordion_gap=”20px” dsm_make_accordion_toggle=”on” dsm_open_faq_item=”on” dsm_enable_schema_markup=”on” dsm_open_toggle_margin=”||||false|false” dsm_open_toggle_padding=”||||false|false” dsm_close_bg_color=”#0072BC” dsm_open_font_icon=”K||divi||400″ dsm_close_font_icon=”C||divi||400″ dsm_close_icon_color=”#FFFFFF” dsm_animate_icon=”on” dsm_icon_placement=”right” dsm_content_margin=”||||false|false” dsm_content_padding=”30px||||false|false” _builder_version=”4.27.2″ _module_preset=”default” header_level=”h4″ header_font=”Poppins|700|||||||” closed_header_font=”Poppins|700|||||||” closed_header_text_color=”#FFFFFF” content_font=”Poppins||||||||” content_font_size=”16px” custom_margin=”||||false|false” custom_padding=”||||false|false” hover_enabled=”0″ border_radii_dsm_toggle_open_border=”on|10px|10px|10px|10px” border_width_all_dsm_toggle_open_border=”1px” border_color_all_dsm_toggle_open_border=”#0072BC” border_radii_dsm_toggle_closed_border=”on|10px|10px|10px|10px” global_colors_info=”{}” sticky_enabled=”0″][dsm_faq_child dsm_title=”Why are children under 18 years not covered under REMEDI? ” dsm_content=”This is not a feature the insurance company can accommodate for now. We will update you if this changes in the future.” _builder_version=”4.27.0″ _module_preset=”default” global_colors_info=”{}” parentOrderClass=”dsm_faq_7″][\/dsm_faq_child][dsm_faq_child dsm_title=”Is there a family plan? ” dsm_content=”No, there is no family plan. This is not a feature the insurance company can accommodate for now. We will update you if this changes in the future.” _builder_version=”4.27.0″ _module_preset=”default” global_colors_info=”{}” parentOrderClass=”dsm_faq_7″][\/dsm_faq_child][dsm_faq_child dsm_title=”Why doesn\u2019t the insurance cover private hospitals?” dsm_content=”Refugees and asylum-seekers with UNHCR card are only charged 50% of the Foreigners\u2019 rate at government hospitals; and this ensures you can have more coverage in your annual limit. ” _builder_version=”4.27.0″ _module_preset=”default” global_colors_info=”{}” parentOrderClass=”dsm_faq_7″][\/dsm_faq_child][dsm_faq_child dsm_title=”Can I use the insurance at clinics or for outpatient services at hospitals?” dsm_content=”<\/p>\n
No, the insurance is only for hospital admission where you spend at least one night in the hospital.<\/p>\n
” _builder_version=”4.27.2″ _module_preset=”default” parentOrderClass=”dsm_faq_7″ hover_enabled=”0″ sticky_enabled=”0″][\/dsm_faq_child][dsm_faq_child dsm_title=”Why are pre-existing illnesses not covered?” dsm_content=”Insurance is a tool to protect yourself financially for the future in case of any unexpected events, like accidents, or illnesses. Insurance schemes operate by spreading risk across a large pool of people. If people only buy insurance when they are already sick (with a pre-existing condition), this will lead to higher claims, which mean higher costs for insurers and a higher premium for everyone holding the insurance policies.<\/p>\n
Insurance is a tool to protect yourself financially from unexpected events or future risks, like accidents, or illnesses. If pre-existing conditions were covered, people may wait to buy insurance only when they are already sick, which would lead to higher costs for insurers and higher premiums for everyone. Insurance providers operate by spreading risk across a large pool of people. If someone already has a medical condition before purchasing insurance, the risk is higher for the insurer because it is more likely that the person will need expensive treatment. Covering pre-existing illnesses would increase the cost of claims significantly.” _builder_version=”4.27.2″ _module_preset=”default” parentOrderClass=”dsm_faq_7″ hover_enabled=”0″ sticky_enabled=”0″][\/dsm_faq_child][dsm_faq_child dsm_title=”If I get into an accident but I do not have to be admitted into the hospital, will this still be covered under the insurance? ” dsm_content=”Yes, it will be covered under the optional Personal Accident Plan which provides reimbursement of up to RM2,000 for medical and surgical expenses related to the accident.” _builder_version=”4.27.0″ _module_preset=”default” global_colors_info=”{}” parentOrderClass=”dsm_faq_7″][\/dsm_faq_child][dsm_faq_child dsm_title=”I am a refugee, and my husband was just admitted to hospital because he was seriously injured \u2013 should I go and purchase this insurance to cover his hospital bill? ” dsm_content=”No, we don\u2019t pay if the commencement of coverage is after the Insured Person\u2019s event. In general, medical insurance is meant to provide protection for illnesses and injuries that occur in the future, not illnesses and injuries that have already occurred. There is a 30 days waiting period after the date of inception of the policy before you can enjoy the insurance coverage.<\/p>\n
Insurance works by collecting a modest contribution from everyone, so that when a person has to be hospitalized, this money is used to cover the high cost of hospitalization. As nobody knows in advance who will need to be hospitalized, all refugees and asylum-seekers should purchase insurance.” _builder_version=”4.27.0″ _module_preset=”default” global_colors_info=”{}” parentOrderClass=”dsm_faq_7″][\/dsm_faq_child][\/dsm_faq][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=”4.24.0″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.24.0″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.27.2″ _module_preset=”default” text_font=”Poppins|700|||||||” hover_enabled=”0″ global_colors_info=”{}” locked=”off” sticky_enabled=”0″]<\/p>\n
Buying Your Insurance<\/p>\n
[\/et_pb_text][dsm_faq dsm_accordion_gap=”20px” dsm_make_accordion_toggle=”on” dsm_open_faq_item=”on” dsm_enable_schema_markup=”on” dsm_open_toggle_margin=”||||false|false” dsm_open_toggle_padding=”||||false|false” dsm_close_bg_color=”#0072BC” dsm_open_font_icon=”K||divi||400″ dsm_close_font_icon=”C||divi||400″ dsm_close_icon_color=”#FFFFFF” dsm_animate_icon=”on” dsm_icon_placement=”right” dsm_content_margin=”||||false|false” dsm_content_padding=”30px||||false|false” _builder_version=”4.27.2″ _module_preset=”default” header_level=”h4″ header_font=”Poppins|700|||||||” closed_header_font=”Poppins|700|||||||” closed_header_text_color=”#FFFFFF” content_font=”Poppins||||||||” content_font_size=”16px” custom_margin=”||||false|false” custom_padding=”||||false|false” hover_enabled=”0″ border_radii_dsm_toggle_open_border=”on|10px|10px|10px|10px” border_width_all_dsm_toggle_open_border=”1px” border_color_all_dsm_toggle_open_border=”#0072BC” border_radii_dsm_toggle_closed_border=”on|10px|10px|10px|10px” global_colors_info=”{}” sticky_enabled=”0″][dsm_faq_child dsm_title=”Should all individuals registered with UNHCR buy medical insurance? ” dsm_content=”All individuals registered with UNHCR aged from 18 to 60 years old are strongly encouraged to buy the medical insurance.” _builder_version=”4.27.0″ _module_preset=”default” global_colors_info=”{}” parentOrderClass=”dsm_faq_8″][\/dsm_faq_child][dsm_faq_child dsm_title=”What are the documents needed to purchase the medical insurance? ” dsm_content=”You only need to have an unexpired UNHCR document and RM183.60. Refugees and asylum-seekers who have lost their UNHCR card and have been given a Certified True Copy of the card can also purchase the insurance.” _builder_version=”4.27.0″ _module_preset=”default” global_colors_info=”{}” parentOrderClass=”dsm_faq_8″][\/dsm_faq_child][dsm_faq_child dsm_title=”If I have lost my UNHCR card and now have a Certified True Copy (CTC) document, can I buy the insurance using the CTC?” dsm_content=”Yes, you can.” _builder_version=”4.27.2″ _module_preset=”default” parentOrderClass=”dsm_faq_8″ hover_enabled=”0″ sticky_enabled=”0″][\/dsm_faq_child][dsm_faq_child dsm_title=”Do I need a community card to buy insurance?” dsm_content=”No, you don\u2019t need a community card.” _builder_version=”4.27.2″ _module_preset=”default” parentOrderClass=”dsm_faq_8″ hover_enabled=”0″ sticky_enabled=”0″][\/dsm_faq_child][dsm_faq_child dsm_title=”Can I buy on behalf of someone else?” dsm_content=”Yes, it is possible to proceed, provided you have the consent of the individual to enroll. Additionally, you will need to furnish the insurance agent with a valid UNHCR document during the enrolment process to ensure the application complies with the necessary requirements.” _builder_version=”4.27.2″ _module_preset=”default” parentOrderClass=”dsm_faq_8″ hover_enabled=”0″ sticky_enabled=”0″][\/dsm_faq_child][\/dsm_faq][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=”4.24.0″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.24.0″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.27.2″ _module_preset=”default” text_font=”Poppins|700|||||||” hover_enabled=”0″ global_colors_info=”{}” locked=”off” sticky_enabled=”0″]<\/p>\n
Using Your Insurance<\/p>\n
[\/et_pb_text][dsm_faq dsm_accordion_gap=”20px” dsm_make_accordion_toggle=”on” dsm_open_faq_item=”on” dsm_enable_schema_markup=”on” dsm_open_toggle_margin=”||||false|false” dsm_open_toggle_padding=”||||false|false” dsm_close_bg_color=”#0072BC” dsm_open_font_icon=”K||divi||400″ dsm_close_font_icon=”C||divi||400″ dsm_close_icon_color=”#FFFFFF” dsm_animate_icon=”on” dsm_icon_placement=”right” dsm_content_margin=”||||false|false” dsm_content_padding=”30px||||false|false” _builder_version=”4.27.2″ _module_preset=”default” header_level=”h4″ header_font=”Poppins|700|||||||” closed_header_font=”Poppins|700|||||||” closed_header_text_color=”#FFFFFF” content_font=”Poppins||||||||” content_font_size=”16px” custom_margin=”||||false|false” custom_padding=”||||false|false” hover_enabled=”0″ border_radii_dsm_toggle_open_border=”on|10px|10px|10px|10px” border_width_all_dsm_toggle_open_border=”1px” border_color_all_dsm_toggle_open_border=”#0072BC” border_radii_dsm_toggle_closed_border=”on|10px|10px|10px|10px” global_colors_info=”{}” sticky_enabled=”0″][dsm_faq_child dsm_title=”Where can I use REMEDI?” dsm_content=”<\/p>\n