KUALA LUMPUR, March 1 ― Excluding Malaysians diagnosed with critical illnessesfrom coverage under the mySalam health insurance will marginalise existing poor patients, the medical fraternity said.
“What is required is a better health care financing system based on single-payer, not-for-profit government-run national health insurance that covers all the people,” he said. When asked if someone with a pre-existing condition like diabetes ― which often leads to kidney failure, one of the 36 critical illnesses ― would be covered under mySalam, a Great Eastern Takaful Berhad representative said: “As long as the kidney failure is first diagnosed during the coverage period and it meets the terms and conditions of the takaful certificate, the claim amount of RM8,000 will be payable.
“Unfortunately, this issue as well as the age prerequisite of 18-55 years, omission of key non-communicable diseases and illnesses which disproportionately affect the B40 such as diabetes and mental health, reinforces the perception that the arrangement protects the interests and limits the liabilities of Great Eastern Holdings, rather than prioritise the needs of the most vulnerable among the B40,” Galen CEO Azrul Mohd Khalib said in a statement.
“The principle is risk-sharing ― the healthy support the unhealthy, the very young support the very old. That's the basic principle of national insurance. It's different from commercial insurance,” he said.What about cancer patients currently undergoing treatment?
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