How To Avoid Costly Medical Bills (By Staying Healthy)

We all know how easy it is to lose sight of your health as you pursue your career and take care of your family.

Sitting all day in an air-conditioned office, following a daily diet of fast food, and not allowing enough time to exercise, rest, and sleep is a routine that many of us find easy to fall into without. realize the long term risks of this lifestyle.

This deadly combination of lifestyle choices can easily lead to medical conditions that put you at high risk for noncommunicable diseases (NCDs) and serious illnesses. They are not only deadly, but also costly, both financially and emotionally.

The scary thing is that you might not notice the signs until it’s too late. NCDs and serious illnesses usually don’t happen overnight, but are often the result of years of poor eating habits and poor lifestyle choices.

Over 20 million Malaysians are at risk

According to the World Health Organization (WHO), NCDs are responsible for 74% of all deaths in Malaysia. In fact, two-thirds of Malaysians already have at least one of the three risk factors for NCDs and the number is increasing.

NCD risk factors2006 (%)2011 (%)2015 (%)
High cholesterol28.243.947.7

Note: Data refer to the population aged 15 and over.
Source: National Strategic Plan for Noncommunicable Diseases 2016-2025, Ministry of Health, Malaysia, p. 5

While we can’t avoid getting sick, we have the power to reduce risk by staying healthy and keeping an eye on our health. We can do this by doing regular health checks and preparing for it.

However, the reality is that many Malaysians don’t bother to take this simple step to reduce their health risks. The 2015 National Health and Morbidity Survey (NHMS) found that a high proportion of Malaysians had undiagnosed risk factors for NCDs that led to late diagnosis and treatment with more medical complications.

So it’s best to know your health risks early and take steps to prevent them.

The power to reduce your health risk is in your hands

The first step is prevention.

You can start with simple steps that you can accomplish in your daily life today. Making simple adjustments to the way you eat, taking the time to relax and get enough sleep, and staying physically active go a long way in increasing your chances of staying healthy.

Taking small steps to protect your health also means you’ll save money on over-the-counter and prescription drugs to treat various ailments down the road.

The human body goes through many changes as we age, and getting regular checkups is a good way to monitor your health regularly.

Now you can easily keep your health milestones on track with AIA Vitality which rewards you for your regular health checkups and you can earn an annual cash bonus if you improve your healthy activities to achieve Gold and Platinum status.

To bring Vitality in your daily life and earn more points!

  • Improve your fitness to earn rewards
  • Enjoy discounts on gym memberships, fitness equipment and groceries
  • RM 150 voucher to quit smoking
  • RM20 nutritional consultation

The next best thing to prevention is being prepared

Prevention and regular screening not only reduce your health risks, but allow for the early detection of any serious medical condition.

Studies show that early detection is still the best defense we can offer ourselves and our bodies to increasing the survival rate for many common serious illnesses.

Critical illnessSurvival rate
Breast cancerOver 90% if detected early
Liver disease90% are preventable if diagnosed at an early stage
Kidney diseaseMay reduce the chances of kidney problems progressing to disease by 50%
Stroke80% is treatable if caught early

Sources: AIA Malaysia, New Straits Times, The star, British Liver Trust, American Stroke Association

Getting help when you need it in the early stages of an illness really makes a big difference. For example, breast cancer survival rates in people diagnosed at an early stage when the cancer has not spread may be as high as 99%, while those detected in later stages when the disease has spread have not. that 28% chance of survival.

Treating a disease is expensive, and the average cost of treating breast cancer can reach RM65,000 per year. Imagine how much it will save you if you try to pay for these treatments yourself!

With AIA A-Life Beyond Critical Care, you can benefit from health screenings to keep yourself at as low a risk as possible.

Plus, you’ll get the broadest coverage available with protection for 180 conditions, from early to middle and late stages, as well as post-treatment support.

The best reward you can get for a healthy life is getting up to 150% of your premium at maturity, so there is nothing to lose!

Let A-Life Beyond Critical Care be part of your health journey

While there is no evidence that being in good health reduces the risk of terminal illness or chronic disease, it still makes financial sense to take care of your own health.

Getting the right coverage is the first step in helping you reach your goal of living healthier longer while remaining financially secure.

Findings presented to the World Economic Forum show that the cost of healthcare in Southeast Asian countries will increase by 70% over the next two decades. In fact, health care costs are expected to rise faster than economic growth, so it makes financial sense to be prepared and take preventative measures like lowering your risk by staying healthy.

Here’s how A-Life Beyond Critical Care rewards you for staying healthy *

  • Prevention thanks to the benefits of health screening and access to the AIA Vitality app to eat well, be active and stay healthy.
  • protection against 180 conditions of early stages, middle and advanced stages and get 100% of the amount of coverage in case of diagnosis of critical illness.
  • Support from AIA’s personal medical case management to diagnostic and treatment counseling and recovery support to cover medications, consultations, follow-up screenings and rehabilitation therapy.
  • Awards your efforts to stay healthy with the annual cash bonus and up to 150% premium at maturity for policies.

*Subject to terms and conditions

While you do prevention your top priority in staying healthy, the right insurance plan ensures you have the right protection and provides the support that you need when the unexpected happens.

Our sincere thanks to
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Jothi Venkat

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