Cov­er­age for ad­vanced can­cer pa­tients

The Star Malaysia - Star2 - - Bms Wellness -

MED­I­CAL treat­ment over­seas can be a costly af­fair, par­tic­u­larly for ad­vanced stage can­cer pa­tients.

One needs to cope with the ris­ing costs of ad­vanced can­cer treat­ment, es­pe­cially if one has to bear the full cost of the treat­ment, on top of get­ting the best ex­perts in can­cer.

Fur­ther­more, those seek­ing ad­vanced can­cer treat­ment at lead­ing med­i­cal cen­tres would need an in­sur­ance plan that cov­ers them for med­i­cal, ac­com­mo­da­tion and trav­el­ling.

The re­cently launched HLA Premier Mil­lions by Hong Leong Assurance is a pro­tec­tion plan that en­ables in­di­vid­u­als to ac­cess sta­teof-the-art cov­er­age for ad­vanced can­cer treat­ment through its Ad­vanced Can­cer Care Rider.

This rider pro­vides an an­nual limit of up to US$1mil, or RM4mil in over­seas med­i­cal treat­ment for ad­vanced can­cer, with the abil­ity to make mul­ti­ple claims within the same year.

The Ad­vanced Can­cer Care Rider as­sures you the best med­i­cal ser­vices through a sim­ple and seam­less four-step process:

1) Upon ad­vanced can­cer di­ag­no­sis, call HLA’s ded­i­cated hot­line for a sec­ond opin­ion, and choose from one of three rec­om­mended lead­ing med­i­cal cen­tres.

2) Seam­less process: pre­pare for your over­seas treat­ment and bring a com­pan­ion with you.

A busi­ness class flight and ac­com­mo­da­tion will be pro­vided for you and your com­pan­ion.

In ad­di­tion, you will re­ceive RM12,000, based on the pre­vi­ous con­ver­sion rate as pocket money dur­ing your treat­ment over­seas.

3) Un­dergo treat­ment over­seas for your ad­vanced can­cer at a lead­ing med­i­cal cen­tre of your choice for a max­i­mum of 60 days.

4) Re­ceive ad­min­is­tra­tive ser­vice when you re­turn home for the fol­low-up treat­ment at lo­cal hos­pi­tals if re­quired.

The Ad­vanced Can­cer Care Rider also of­fers a life­time limit of US$2mil or RM8mil in over­seas med­i­cal treat­ment for ad­vanced can­cer, in the event of a re­lapse or oc­cur­rence of other types of can­cer.

With this rider, pol­i­cy­hold­ers can re­ceive a sec­ond med­i­cal opin­ion on their ad­vanced can­cer di­ag­no­sis and be able to choose a lead­ing med­i­cal cen­tre of their choice to seek treat­ment.

Ev­ery­thing from ini­tial di­ag­no­sis to plan­ning for ac­com­mo­da­tion and travel, in­clud­ing ad­min­is­tra­tive ser­vice for fol­low-up treat­ment, is han­dled by an ap­pointed rep­re­sen­ta­tive.

By hold­ing the pa­tient’s hand through ev­ery step of treat­ment and tak­ing care of the specifics along the way, the Ad­vanced Can­cer Care Rider lets pol­icy hold­ers fo­cus on their re­cov­ery, in­stead of wor­ry­ing about the nitty-gritty de­tails of their treat­ment.

HLA Premier Mil­lions does not com­pro­mise on ei­ther per­sonal or fam­ily cov­er­age.

It is de­signed for those who want pro­tec­tion in the present and a legacy to leave be­hind. It is a reg­u­lar premium in­vest­mentlinked plan that of­fers med­i­cal treat­ment for ad­vanced can­cer, along with pro­tec­tion for death, to­tal and per­ma­nent dis­abil­ity, old age dis­able­ment and ac­ci­den­tal death.

For those look­ing for en­hanced med­i­cal cov­er­age, the HLA MediShield II Rider of­fers all-round pro­tec­tion that cov­ers room and board, hos­pi­tal­i­sa­tion fees and out­pa­tient ex­penses.

Pay a lit­tle ex­tra in premium to en­joy an­nual med­i­cal cov­er­age that starts from RM2mil with no life­time limit.

With this rider, pol­i­cy­hold­ers can re­ceive a sec­ond med­i­cal opin­ion on their ad­vanced can­cer di­ag­no­sis and be able to choose a lead­ing med­i­cal cen­tre of their choice to seek treat­ment.

■ For more in­for­ma­tion, call HLA’s cus­tomer ser­vice hot­line at 03-7650 1288 to speak to one of its agents to­day. Or visit HLA’s Face­book at https://www.face­book. com/hon­gleon­gas­sur­ance/

HLA Premier Mil­lions is a state-of-the-art in­sur­ance plan with pro­tec­tion for ad­vanced can­cer.

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