Being hospitalised or undergoing surgery may be an unpleasant experience for many but being faced with a major injury or being stricken with terminal cancer or stroke can be traumatic, not only for the patient but also for family members.
When a loved one suffering a major stroke is discharged from hospital to recuperate at home, family members are faced with a number of questions. Who can take care of the loved one? How to take care of the loved one? What kind of special diet is needed? Where to get medical equipment necessary to support the patient? Should the equipment be purchased or can it be rented?
Hospitalisation and surgical insurance is designed to provide for in-hospital treatment and surgery. Post-hospitalisation follow-up treatment is limited to consultation at the hospital and is only available for a limited period of time. How then can a person be prepared for post-hospitalisation healthcare at home?
You can now be prepared for post-hospitalisation home healthcare in Malaysia by purchasing a home healthcare insurance policy. Currently, such a policy is only sold by our company.
Both the young and the old may need home healthcare. The young may be seriously injured in an accident which leaves them immobile for a few months. While recuperating at home, they may need medical care in cleaning the wounds as well as physiotherapy or speech therapy.
Older people may suffer a major stroke, be afflicted with terminal cancer or the sicknesses that require prolonged medical care, in which a specially trained caregiver is needed. Providing the necessary care may be financially strenuous on family members.
Other policies such as critical illnesses insurance pays a lump sum upon a person being diagnosed as having one of the 36 critical illnesses. However, there is usually a condition called "survival period" that requires the claimant to survive for a predetermined period (such as 60 days) following the diagnosis of illnesses if the claim is to be payable.
Home healthcare insurance is not limited to the 36 critical illnesses but insureres may require the patient to have been hospitalised for not less than 5 days before they are entitled to claim for home healthcare.
GOLD CROSS Home Healthcare sold by us is the only "stand-alone" home healthcare insurance in Malaysia.
We insure employees of many organizations in Malaysia. With mroe than thirty years' experience in health insurance, the company is a leader in health insurance in Malaysia. In September 2004, we ranked second in terms of health insurance sales among all general insurance companies. We also offer a wide range of other types of health and general insurance products.
