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    Healthcare Credit Cards

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    Healthcare credit cards help you in difficult times when you or your loved ones are in need of medical attention especially when you are travelling abroad. They can provide you with discounts or insurance plans that you would need the most in a medical emergency.

    Do you use your card to pay for medical bills? With healthcare cards, you will be able to pay for medical expenses and also get benefits like reward points, cashback, and more. Take a look at some of the credit cards for healthcare offered to customers in Malaysia.

    Compare Healthcare Credit Cards In Malaysia

     

    Name of the Card Reward Points/ Cashback Earned Reward Points/ Cashback Earned for Payment of Healthcare Expenses Annual Fees*
    Citi Cash Back Credit Card
    • Get 10% cash back on groceries, dining, petrol, and Grab rides.
    • Enjoy unlimited 0.2% cash rebate on other retail purchases.
    • Enjoy 20% off Executive Screening Packages at KPJ Healthcare Network.
    • Get a discount of 15% on walk-in hospital room rates.  
    • Principal card – RM120
    • Supplementary card – RM60
    UOB Visa Infinite Card
    • Earn 5x UNIRinggit points for every RM1 spent overseas.
    • Spend RM5,000 on your card and get 4x complimentary limo rides to KLIA.  
    • Pay medical bills for 0% instalment instalments with the Easi-Payment Plan.
    • Principal card – RM600
    • Supplementary card – RM300
    Shell-Citi Gold Credit Card
    • Get 8% cash back at any Shell station across Malaysia.
    • Enjoy discounts of up to 50% with participating partners.
    • Earn unlimited 0.2% cash back on other retail transactions.
    • Get 20% off Executive Screening Packages at over 25 hospitals of the KPJ Healthcare Network.
    • You will also get a discount of 15% on walk-in hospital room rates.
    Principal card – RM195 p.a. Supplementary card – RM100 p.a.
    OCBC Great Eastern Platinum Mastercard
    • Earn 5% cashback on weekend retail purchases.
    • Enjoy 0% Auto Instalment Payment Plan when you pay your Great Eastern Life and Great Eastern Health insurance premiums.
    • Get health and wellness discounts; and rewards from Live Great Privileges Programme.
    • Get complimentary insurance coverage of RM100,000 on death or total and permanent disability for the first year.
    • Annual fee waived for life for both principal and supplementary cards.

    *Sales and Services Tax (SST) of RM25 will be imposed on new cards or upon card renewal.

    Features And Benefits Of Choosing Healthcare Credit Cards

    • The insurance coverage includes accidental death and total and permanent disability that may occur overseas.
    • Get cover for medical expenses through these cards while you are travelling overseas.
    • Get cover in case of any emergency medical evacuation occurring overseas.
    • Get cover for travel inconveniences such as baggage delay or loss.
    • Get cover for missed flight connections while travelling.
    • Get extra benefits such as purchase and refund protection on some cards.

    How do Healthcare Cards Work?

    You get benefits like reward points and discounts when you use your healthcare card to pay for your medical expenses. Some cards allow you to pay off your medical bills in 0% instalments for your convenience. For instance, the UOB Visa Infinite Card offers 0% 12-month Easi-Payment Plan (EPP) for medical bills. Let’s now see how EPP works.

    Consider that your medical bills total up to RM10,500. Instead of paying off the entire amount in one go, you can convert it into 12 instalments without incurring any interest charges.

     

    Medical Expenses Interest Rate EPP Tenure Monthly Instalment
    RM10,500 0% p.a. 12 months RM875

     

    You will have to pay the instalment amount of RM875 on or before the due date. Failing to do so will incur an interest rate specified by the bank. Let’s assume that  you have paid off RM8,000, and the outstanding balance is RM2,500. If you are unable to pay the next instalment on time, you will have to pay interest on the outstanding amount. Consider that the interest rate is 15%.

    Outstanding Balance Interest Rate Interest Rate on Outstanding Amount Total Amount Owed to the Bank
    RM2,500 15% p.a. RM375 RM2,500 + RM375 = RM2875

     

    The amount RM2875 must be paid in full to avoid additional charges.  

    Reward Schemes/Cashback/Air Miles

    Your healthcare credit card can also offer other rewards and benefits like:

    • Get membership benefits from Visa or Mastercard.
    • Complimentary travel insurance when you charge your flight tickets to your card.
    • Discounts at participating merchants across Malaysia and throughout the world.
    • Exclusive promotions from your bank and partner merchants.

    Advantages of Healthcare Cards

    These cards make it easy for you to look after your health and well-being. From discounts on health screening tests to convenient month payment plans, you will be in better control of your medical expenses. In addition to rewards on medical bills, these cards also offer benefits on other purchases like retail, petrol, and more.

    How to Choose the Best Healthcare Card?

    To ensure that your card works best for you, you must note down what your medical expenses are. Look for a card that offers you maximum benefits for your requirements. It will also be useful to consider the offers on different spend categories like retail, shopping, and travel.  

    How to Make the Most of Your Healthcare Credit Card?

    In order to utilise the benefits offered by your card, make sure to use it for medical transactions. Keep in mind the terms and conditions of the offer as well. If your card gives you discounts on healthcare packages, make sure to remember the conditions of the offer. You can also use your card to make other transactions to earn more rewards.

    Lost Card and Overseas Assistance

    You must contact your bank immediately if your card has been stolen or misplaced. You can do so by either calling on your bank’s helpline desk or visiting the branch nearest to you. Once the loss of card is brought to your bank’s attention, you card will be blocked to prevent fraudulent purchases. Depending on the bank, you can get a new card for a nominal fee.

    If transactions were made using your card after it was stolen, your bank may not hold you liable. This condition is applicable only if you report the loss at the earliest.

    You must always inform your bank before you travel abroad. This will ensure that you don’t face any problems while using your card overseas. Most banks offer dedicated overseas assistance to help you with your queries.

    Eligibility Criteria

    Name of the Card Eligibility Criteria
    Citi Cash Back Credit Card
    • Minimum age for principal cardholder – 21 years.
    • Minimum income – RM36,000 p.a.
    UOB Visa Infinite Card
    • Minimum age for principal cardholder – 21 years.
    • Minimum income – RM120,000 p.a.
    Shell-Citi Gold Credit Card
    • Minimum age for principal cardholder – 21 years.
    • Minimum income – RM24,000 p.a.
    OCBC Great Eastern Platinum Mastercard
    • Minimum age for principal cardholder – 21 years.
    • Annual income – minimum RM24,000 p.a.
    • Must be a GE policy holder.

     

    Documents Required

    Source of Income Documents Required
    Private Employment The bank can ask you to submit any or all of the following:
    • Latest payslip for at least 6 months.
    • Copy of MyKAD, passport or NRIC.
    • Latest bank statement.
    • Latest EA form or EPF statement.
    Self-Employment The bank can ask you to submit any or all of the following:
    • Copy of MyKAD, NRIC, or Passport.
    • Copies of Business Registration Certificate or Form 9, Form 24, and Form 49 or Trading License.
    • Company or personal bank statement of the last 6 months.
    • Income tax returns (Form B or the latest EA Form).
    Other Income The bank can ask you to submit any or all of the following:
    • Pension statements or vouchers.
    • Tenancy agreements.
    • Annuities statements.

     

    Promotions

    Enjoy 15% food and beverages at 2PM Lounge - G Hotel, Kelawai when you pay for your meal with your Citi card. The promo is valid until 31 December 2018.

    Shop for Yves Rocher products worth RM180 with your UOB card and get a discount of 25% on your bill. The offer is valid until 31 December 2018 and is applicable only at Yves Rocher official store at Lazada Malaysia.

    Conclusion

    Use your healthcare card to pay for your medical expenses, and get cash rebates and reward points. To get the maximum benefits, use your card for purchases that give you the most rewards. You can also use your credit card to get rewards on travel, dining, and more.   

    FAQs

    Q. What are the fees covered by the healthcare packages?

    A. The offer on healthcare packages only includes test and regular consultation fees. For example, Citi Cash Back Card offer does not include specialists and medical officers’ fee.

    Q. Do healthcare cards also offer insurance?

    A. Only a few cards like OCBC Great Eastern Platinum Mastercard offer complimentary insurance cover on death or total and permanent disability. But the offer is subjected to a minimum retail spend of RM10,000.

    Q. Do any cards offer a discount on hospital room rates?

    A. A few cards offer discount on hospital room rates. The Citi Cash Back Card and Shell-Citi Gold Credit Card offer a 15% discount on walk-in hospital room rates at KPJ Hospitals. The offer is applicable only on rooms rates of RM120 and above per day.  

    Q. What should I look for before applying for a healthcare card?

    A. Some of the important points to keep in mind while applying for a card include the card’s annual fee, fees and charges, features and benefits of the card, and the healthcare rewards.

    Q. Can the annual fee be waived off on a healthcare card?

    A. Yes and no. A few banks offer a waiver on the annual fee, while some don’t. Of those who waive off the fee include:

    UOB Visa Infinite Card - The annual fee is waived on a minimum annual spend of RM50,000 and above.

    Shell-Citi Gold Credit Card - annual fee is waived off for the first year when you use your card at least 3 times within 60 days of approval.

    Q. Is it possible to get a Shariah-compliant healthcare credit card?

    A. Yes. You can apply for an Islamic healthcare credit card if you satisfy all the eligibility requirements. These cards come with takaful coverage.

    Q. What do the medical expenses benefit under these cards include?

    A. Medical expenses would include any customary and reasonable expenses for medical or surgical treatment by a physician occurring due to bodily injury.

    Q. Can these cards be used as a substitute for health or medical insurance?

    A. No. Though these cards do provide some insurance coverage they are not an alternative to health or medical insurance in Malaysia. It is recommended that you take up a comprehensive insurance to benefit thoroughly.

    Q. Are there any exclusions for insurance coverage on these cards?

    A. Yes. Each card has a specific list of exclusions imposed by the corresponding bank. You can check the full detailed information on the bank website.

    Q. Are these any limitations on the cover these cards offer?

    A. Yes. As insurance cover is attached as a benefit to these cards, there are limitations on the coverage with respect to the basic sum insured and other benefits.

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