By Keith Tew — 13+ years insurance experience, MDRT 7× | Butterworth · Butterworth · Bukit Mertajam · Seberang Jaya
Heart disease is Malaysia's No.1 killer Without a medical card, every ringgit comes from your family's savings.
In 13 years advising families across Butterworth, Butterworth, Bukit Mertajam and Seberang Jaya, I have seen this scenario more times than I can count — a hardworking family financially devastated by a medical crisis they never saw coming. This is a real story. Names are changed, but the costs and outcome are real.
Bypass surgery: RM 60,000–120,000 The family faced an immediate decision: seek the best private care, or join the government hospital queue. Because they held a comprehensive AIA medical card, that decision was easy.
The average Malaysian household holds less than RM 10,000 in liquid savings. A single major medical event — like this one — can cost 5 to 20 times that amount. A medical card converts a catastrophic risk into a manageable monthly premium.
At the hospital counter in Butterworth, the AIA card was presented. Pre-authorisation was obtained. The family was told: focus on the patient — we handle the billing. Over the course of treatment, the bill exceeded Bypass surgery: RM 60,000–120,000. AIA paid the hospital directly. The family paid only for excluded items — a fraction of the total.
Yes. A comprehensive as-charged medical card covers ICU, surgery, specialist fees and hospitalisation for heart surgery. Coverage applies up to your annual limit. Contact Keith Tew in Butterworth for a free coverage review.
Minor hospitalisation: RM 5,000–20,000. Major surgery or ICU: RM 50,000–200,000+. Cancer treatment annually: RM 100,000–300,000. Without a medical card these costs come entirely from your savings.
Cashless admission at panel hospitals: pre-authorisation in 30–60 minutes. Reimbursement claims: 14–30 working days after full document submission. Keith Tew guides all clients through the process at no charge.
Completed claim form, original bills and receipts, medical report, discharge summary, lab/diagnostic reports, prescription receipts, and policy details. For surgery: operation report and anaesthetist report.
Yes, as a reimbursement claim. Pay upfront, keep all originals, submit within 90 days. Emergency treatment at any hospital is claimable. Contact Keith Tew for step-by-step guidance.
Contact Keith Tew for a free consultation — serving Penang, Butterworth, Bukit Mertajam, Seberang Jaya and all of Malaysia.
WhatsApp Keith NowFill Enquiry FormKeith Tew Chong Wei is a Premier Presidential Life Planner with 13+ years of experience, MDRT 7×, COT 2×. He has personally facilitated over RM 4 million in insurance claims for clients across Penang, Butterworth, Bukit Mertajam and Seberang Jaya. Learn more →