DATE TIME PLACE : : : 12 & 13 MARCH 2015 10.00 am – 12.30 pm Tun Mohamed Suffian Auditorium Faculty of Law 3/25/2015 WARMEST GREETINGS OMAR ABDUL RAHIM ASSISTANT REGISTRAR INTERNATIONAL STUDENT CENTRE LEVEL 1, BLOCK G, PERDANASISWA COMPLEX UNIVERSITY OF MALAYA 50603 KUALA LUMPUR Tel. : 603 79677714 Email : [email protected] OBJECTIVE To introduce the new policy of insurance for international students To make sure the international students understand the terms of their insurance plan and benefit of policyholders WHY YOU NEED INSURANCE? MALAYSIAN IMMIGRATION POLICIES Students are required to take up medical insurance to protect and insure their stay in Malaysia. To apply for a new or extension of student pass, students are required to submit a copy of their insurance certificate. WHY YOU NEED INSURANCE? MOE POLICIES A legal requirement under the MOE Code of Practice for the Pastoral Care of International Students. All full time international students are required to purchase insurance policy from the insurance provider nominated by the University. Eligibility for health services. WHY YOU NEED INSURANCE? MOE POLICIES Minimum insurance premium must be at least RM300 per year. Insurance policy must include: Personal Accident & Death; In-patient Services; Repartition; and Out-patient Services WHY UM INTRODUCE NEW INSURANCE POLICIES? Decision was made during a meeting with all public university in KL and Selangor (IIUM, UPM, UKM, UTM & UiTM) together with MOE on 18 June 2014. Choosing the best practice on managing the insurance matter follow the privatizing concept use by other universities. WHY INSURANCE IS COMPULSORY? Insurance offered are a GROUP insurance coverage which covered 3000 students per year. If student allowed to have their own insurance coverage, UM will not get the 3000 students for that GROUP insurance coverage and the policies cannot be implemented. Effective from 1st April 2015, MOE will establish Education Malaysia Global Services (EMGS) as the one-stop centre to process the student pass of all international students studying in public institutions in Malaysia. EMGS will use a new system known as Student Application Registration System (STARS) to process all visa matters. Under the system, only ONE insurance provider can be appointed. HISTORY NO. 1 2 3 4 5 DURATION DATE 01/12/2008 – 30/06/2009 01/07/2009 – 30/06/2010 01/07/2010 – 13/02/2013 14/02/2013 – 13/02.2015 14/02/2015 – 13/02/2016 INSURANCE PREMIUM FEES (RM) PG : 856.68 UG : 404.42 300.00 175.00 300.00 P1 : 350.00 P2 : 500.00 NOTES Cover all. Student pay insurance fees direct to IPS and ISC Without outpatient coverage. Student pay insurance fees direct to IPS and ISC Without outpatient coverage. Student pay insurance fees direct to IPS and ISC Cover all and Insurance fees was include inside tuition fees structure Cover all. Insurance fees was taken out from tuition fees structure PG=Postgraduate, UG=Undergraduate, P1=Plan 1, P2=Plan2 STUDENT HEALTH CLINIC FEES (RM) TOTAL STUDENT NEE TO PAY YEARLY (RM) 300 PG : 1156.68 UG : 704.42 300 600.00 600 775 - 300 - P1 : 350.00 P2 : 500.00 INSURANCE : NEW RULES 1) All full time international students are required to purchase insurance policy from the insurance provider nominated by UM. Students have to ensure that they are being covered by the insurance provider endorsed by the university. 2) Students who are sponsored by scholarship have to pay in advance and claim back from their scholarship providers. 3) The insurance fees for full time students will be removed from the tuition fees. 4) Students have to purchase and make the payment directly to the insurance provider. 5) Students have to directly deal with the insurance provider regarding all matters related to insurance, claims and others. The university will not handle and interfere in all these matters with regards to claims, payments, the issuance of confirmation and guarantee letters and all the related matters. 6) The insurance provider will open a permanent office in the university (GROUND LEVEL, BLOCK E, PERDANASISWA COMPLEX) where a full time staff will be on duty daily from Monday until Friday from 9.00am to 5.00pm. INSURANCE : NEW RULES 7) The insurance provider will provide direct cash payment method at the counter and also online payment (internet banking) through their official website (http://www.malaysiacreative.com/nznetwork OR www.myUMmedicalplan.com) which expected to be officially open on 10 February 2015. 8) The insurance provider will provide direct cash payment method at the counter and also online payment (internet banking) through their official website www.myUMtakafulplan.com 9) Students are required to keep the receipt of insurance payment as a proof of coverage and make a copy to apply for the new or renewal/extension student pass application purposes. 10) Students that fail to get the insurance coverage will not be allowed to renew their student pass as being set by the requirement. 11) The university will not, in all circumstances, be responsible for any issues regarding student pass validity, medical claims, medicals expenses, medical costs or any other expenses incurred for the failure of the students to subscribe to the insurance coverage. WHY UM INSURANCE PROVIDER IS THE BEST? Students can compare with all this insurance provider : EMGS (for all private university & colleges) : http://www.educationmalaysia.gov.my/skin/frontend/ emgsv4/default/documents/EMGS-InsurancePackages-for-Studentsv1.5.2.pdf UPM : http://studyingmalaysia.com.my/insurance_plan.asp INSURANCE PROVIDER THIRD PARTY ADMINISTRATOR FOR INPATIENT TREATMENT INSURANCE : 2 NEW PLAN The increase in premium fees for coverage is unavoidable as there is an increase in treatment costs, medicine prices and the implementation of new taxes. In order to mitigate this rise of insurance premium, students are given the avenue to choose either one of the two (2) packages involved: PACKAGE / PREMIUM FEES MAXIMUM COVERAGE FEES PERSONAL ACCIDENT DEATH 2 INPATIENT SERVICES 3 OUTPATIENT SERVICES 4 REPATRIATION 1 & PACKAGE A PACKAGE B RM350.00 RM500.00 20,000.00 30,000.00 15,000.00 20,000.00 200.00 500.00 10,000.00 15,000.00 PERSONAL ACCIDENT & DEATH TABLE OF BENEFITS / SCOPE OF COVERAGE CATEGORY 1 : PERSONAL ACCIDENT & DEATH GROUP TERM LIFE ("GTL") AND GROUP PERSONAL ACCIDENT ("GPA") 1 Death (Natural Cause/ Sickness) Death (Accidental Cause) 2 Total Permanent Disablement (Natural Cause/ Sickness) Total Permanent Disablement due to accidental cause inclusive of all types of physical injury- as per table of benefits 3 Partial Permanent Disablement due to accidental cause Max. inclusive of all types of physical injury cause by accident- as per table of benefit Plan 1 Plan 2 RM RM RM20,000.00 RM20,000.00 RM20,000.00 RM20,000.00 RM30,000.00 RM30,000.00 RM30,000.00 RM30,000.00 RM20,000.00 RM30,000.00 IN-PATIENT TABLE OF BENEFITS / SCOPE OF COVERAGE CATEGORY 2 : IN-PATIENT SERVICES (CASHLESS) GROUP HOSPITAL AND SURGICAL ("GHS") Third Party Adminstrator/Medical Card Provider : Mediexpress Sdn Bhd Hospital Benefit, Fees and Services 1 Room & Board per day Ordinary ( up to 120 days in Private Hospital / Government Hospital) 2 Insentive Care Unit (daily maximum up to 30 days) 3 Hospital Miscellaneous Services 4 Surgical Fees 5 Anaesthetic Fees 6 Operating Theatre Fees 7 In-Hospital Physician (daily maximum up to 120 days) Pre-Surgical / Medical Diagnostic Services (Follow-up within 60 days prior to 8 admission) Pre-Surgical/ Medical Specialist Consultation (Follow-up within 60 days prior to 9 admission) 10 Second Surgical Opinion 11 Post Hospitalisation Treatment (within 60 days of discharge) 12 Ambulance Services Fees (Private ambulance or Inhouse ambulance) 13 Claim/Reimbursement Medical Report Fee 14 Government Hospital Cash Benefit Allowance (up to a maximum of 120 days) 15 Reimbursement of Government Service Tax 16 Day Surgery Benefit / Day Care - > 6 hours Plan 1 Plan 2 RM RM RM120.00 RM350.00 as charged as charged as charged as charged as charged RM150.00 RM380.00 as charged as charged as charged as charged as charged as charged as charged as charged as charged as charged as charged RM250.00 RM50.00 RM30.00 6% as charged as charged as charged RM250.00 RM80.00 RM45.00 6% as charged OUT-PATIENT TABLE OF BENEFITS / SCOPE OF COVERAGE CATEGORY 3 : EMERGENCY OUT-PATIENT SERVICES Emergency Outpatient Accidental Treatment (maximum per case) (Follow-up within 14 days of first treatment) 2 Emergency Outpatient Dental Treatment Emergency Outpatient Sickness Treatment - (between 12.00 3 midnight to 6.00 am only) OVERALL ANNUAL LIMIT FOR CATEGORY 2 & 3 1 CATEGORY 4 - GP OUT-PATIENT SERVICES 1 Outpatient for Sickness Treatment i) Routine Consultation, Medication, Injection ii) Diagnostic Lab/X-Ray Procedure iii) Out-patient Surgical Procedures Cronic illness (including pre-existing illness) 2 Outpatient for Accidental Treatment - pay and claim basis i) Routine Consultation, Medication, Injection ii) Other related expenses Plan 1 Plan 2 RM RM RM2,000.00 RM2,500.00 as charged as charged as charged as charged RM15,000.00 RM20,000.00 RM RM - as charged - as charged subject to annual limit subject to annual limit of RM200.00 of RM500.00 Max : RM50.00 per Max : RM50.00 per claim claim Excess : Nil Excess : Nil Student Health Clinic- Student Health Cliniccashless cashless - as charged - as charged subject to annual limit subject to annual limit of RM1,000.00 of RM2,000.00 REPATRATION TABLE OF BENEFITS / SCOPE OF COVERAGE CATEGORY 5 : FUNERAL / REPATRIATON 1 Funeral Expenses / Repatriation Expenses Funeral Expenses is inclusive of other necessary cost incurred such as a) Repatriation Allowance b) Place of Interment c) Cremation or Funeral Ceremony in Malaysia d) Transportation Plan 1 Plan 2 RM RM RM10,000.00 RM15,000.00 THANK YOU
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