WHAT IS AN MCO? "A Managed Care Organization (or MCO) is an organization that packages healthcare products & services for the benefit of its members at an affordable price, with the funding of that care." This MCO currently has more than 100,000 members. Its objectives are for its members :- TO ENJOY A HEALTHIER AND LONGER LIFE. TO IMPROVE HEALTHCARE QUALITY AND REDUCE HEALTHCARE COST. Medical insurance is an essential component to the members of this MCO. It is for the purpose of funding. This provides sufficient cash for the members in the event of hospital admission (through the benefits from Hospital & Surgical Insurance ) and protection of income loss or buffering future medical expenses (through the benefits from Critical Illness Insurance ). Therefore this MCO has arranged through its Corporate Agency to PURCHASE these two types of insurance coverage FOR THE MEMBERS from two prestigeous insurance companies locally. This mode of policy arrangement gives us the advantage of low premiums and this is the main reason why all Malaysians and residents can benefit from this. This is in additional to the core benefits offered by this MCO described in "1" and "2" above. This is contrary to the common believe that such "MCO"s or Medical Card company sells insurance to the public because members of the public have to be a member in this MCO BEFORE they can puchase any insurance plans that are arranged through it. MCOs have been described in the 1997 Bank Negara's Insurance Annual Report  as representing the members and not the insurance company. Therefore we are technically one of the largest buyers of medical insurance. A key ingredient to this MCO's growth is their ability to look after the interest of its valued members. In doing so this MCO strives to continue enhancing its healthcare programmes, to strengthen and expand its stable of providers and to develop facilities and amenities for the convenience of its members. Read more

WHY MEDICAL INSURANCE PREMIUMS ARRANGED THROUGH THIS MCO IS SO AFFORDABLE? There are 3 main reasons for this :- BULK PURCHASING...due to the size of the membership base (more than 100,000 members) this MCO is able to negotiate for the lowest premium rates. QUALITY ASSURANCE...due to the membership benefits offered by this MCO to its members (in order to fulfill its 2 objectives above), members of this MCO are able to help insurance companies reduce claims, i.e., wellness, prevention and early detection help members to avoid illnesses (or reduce its severity) in the mid to long term. Claim is the major factor in medical insurance premium rating. EXPERIENCE & EXPERTISE...proper selection of insurers with this two attributes help in the area of cost containment, thus providing low premiums. These insurers  each have more than 20 years underwriting and claim management experience. They are also leaders in their respective areas of insurance today. This mode of medical policy arrangement has also benefitted the insurers :- GOOD CHANNEL OF DISTRIBUTION...due to the MCO's huge membership base thus ensuring huge insurance premium base. LOW BUSINESS ACQUISITION COST...because this huge base are all ready buyers and low commission payout to intermediary due to bulk purchasing. HUGE MEMBERSHIP BASE...make claim management for the insurer much more predictable and controllable. Claim statistics on large groups are more realistic. QUALITY ASSURANCE (QUALITY BASE)...membership benefits is the best natural way towards cost containment for the insurers. THIS BENEFIT CAN ONLY BE AVAILABLE TO MEMBERS OF THIS MCO.

MEMBERSHIP BENEFITS. One of the benefits this MCO provide is a medical checkup so that members will be able to know the status of their health every year. As the saying goes... "Prevention is always better, cheaper and less painful than Cure!" THE COMPREHENSIVE MEDICAL CHECKUP INCLUDED IN THIS MEMBERSHIP IS NOT FOR INSURANCE UNDERWRITING PURPOSES, NOR WILL IT BE USED FOR THIS PURPOSE IN THE FUTURE. The medical checkup is effective AFTER 30 days of inception (within which medical insurance application would have been approved and policy issued) and is valid for a period of 11 months. Members can still choose NOT to do the medical checkup if he wishes eventhough it is encouraged for him to do so.

ENDAH PROGRAMME. This is the entry healthcare programme with basic healthcare benefits. This programme entitles you to the minimum policy coverage for the H&S and GMBIS. Individual, Single Parent and Family rates available. Read More

EXECUTIVE PROGRAMME. This is the entry healthcare programme with comprehensive healthcare benefits. This programme entitles you to the medium-range policy coverage for the H&S and GMBIS. Individual, Single Parent and Family rates available. Read More

MILLENNIUM PROGRAMME. This is the entry healthcare programme with comprehensive healthcare benefits. This programme entitles you to the  high-range policy coverage for the H&S and GMBIS. Individual, Single Parent and Family rates available. Read More

EXCELLENCE PROFILE. This programme has the most comprehensive screening tests offered to the public in additional to the normal membership benefits. It is very suitable for people who have sub-standard health status, the elderly and people who cannot qualify for Hospital & Surgical policies. Read More

eMEDICAL RECORD (special highlight) As a leader in healthcare management, this MCO is continuously improving its IT infrastructure to cater for its members' needs. Currently, this MCO has a chain of 9 fully owned clinics in its stable and plan to set up more clinics in the near future. These clinics are now on-line and equipped with the latest software programmes to store and retrieve medical records of patients. Creating electronic medical records for our members and instant retrieval of medical information by the treating doctor is vital for the following reasons :- In the event of any medical emergencies, the treating doctor can retrieve the member's medical record instantly anywhere in the world via the website. Past medical history, including annual medical examination, blood profile report, in-patient record, out-patient record, existing medical condition, prescription of drug and medication is vital for the treating doctor to diagnose the illness accurately and to administer the correct medication for the patient to avoid any adverse drug reaction and save lives. A member who has existing medical condition and on medication can retrieve their record instantly either from its clinics or through the website. This is useful for those who are travelling locally or overseas as they can obtain the same medication from the pharmacy or the treating doctor. Members may wish to seek second medical opinion from overseas medical centre and there is no hassle in collating hard copies of the medical records. ACCURATE DIAGNOSIS AND TREATMENT SAVES LIVES. REDUCE MEDICAL ERRORS! Medical checkup results (every year), clinical records, personal & family medical histories (including those that members can retrieve from their previous doctors) and hospital admission records, etc., can be stored in the eMedical Record system. The following articles are contextually relevant and are published by the Medical Tribune :- "Most Medical Errors Preventable with Due Care" (15 September 2004). "Medico-legal updates a must for Doctors" (15 September 2004). "Information sharing crucial to Telehealth" (15 August 2004).

24-HOUR ASSIST CALL CENTRE 24-Hour Assist Call Centre (Operated by International SOS, a world renowned emergency assistance company). Please read the detailed services, terms and conditions inside. Also see International SOS World HQ. Read more

OWN CHAIN OF CLINICS. UNIQUE BENEFITS Advantages of visiting this MCO's clinics for Medical checkups and outpatient treatment :- Keeping of medical records electronically. Nice and cosy environment light refreshment served after medical checkup no long waiting queues Free medical reviews on follow-up visits after medical checkups. Discount on outpatient treatment for members and immediate families. Reasonable charges for members requiring diagnostic services, i.e., stress test ECG, ultrasound, at the Taman SEA Clinic. Read more

OWN CONVALESCENT HOMES. ...a place you can call home... there is no home like this MCO's Sunshine Home...first of its kind in Malaysia. Home for elderly people filled with WARMTH and COMFORT. This MCO's Sunshine Home provides 24-hour quality service, pleasant surroundings, friendly and professional staff. Read more

PANEL HOSPITALS. There are altogether 75 private hospitals under this MCO's panel hospital list. These hospitals are located in major towns in all the states in Malaysia. Read More