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