Your medical card covers your hospital stay. But who pays when you still need care after you’re discharged?
A stroke or disability could lead to nursing care costs of RM4,500–RM7,000 per month.
Don’t wait until your family is forced to put their careers on hold to care for you—only to realise your medical card does not cover long-term care.
*Nursing care insurance is not something you can simply purchase whenever you want. Your age and health condition will affect your eligibility.
About Nursing Care Insurance
Many people have these four common misconceptions
Misconception 1:
“My medical card covers everything.”
Medical cards only cover hospital bills, not ongoing long-term care, rehabilitation or nursing home costs after discharge.
Misconception 2:
“My children will take care of me.”
Your children may care but lack time or experience. Long-term caregiving can affect their family life, careers and income.
Misconception 3:
“I can buy it when I need it.”
Nursing care insurance must be arranged while you are healthy. Age or illness may make you ineligible later.
Misconception 4:
“My retirement savings will be enough.”
Your retirement savings are meant to cover your daily living expenses. Additional long-term care costs could quickly drain them.
Medical Cards and Nursing Care Insurance
They are designed to protect you at two different stages
Benefit
Covers hospital & surgery bills
Covers long-term care
(caregiver / nursing home)
Lump sum payout when unable to care for self
Annual cash benefits
Nursing Care Insurance
Covers hospital & surgery bills
Covers long-term care
(caregiver / nursing home)
Lump sum payout when unable to care for self
Annual cash benefits
Medical Card
Covers hospital & surgery bills
Covers long-term care
(caregiver / nursing home)
Lump sum payout when unable to care for self
Annual cash benefits
How to Claim Your Nursing Care Insurance Benefits
After the age of 65, if an accident or illness limits your physical abilities and you are unable to independently perform at least three out of the six Activities of Daily Living, you may apply for a benefit payout, subject to the following conditions:
- Lasts for a minimum period of 6 consecutive months.
- Confirmed by two Physicians or Medical Practitioners appointed by the Company.
- Did not exist at the Issue Date, Alteration Effective Date or at any Reinstatement Date of the policy.
Six Activities of Daily Living (ADLs)
ACTIVITIES OF DAILY LIVING
01
Transfer
02
Mobility
03
Continence
04
Dressing
05
Bathing / Washing
06
Eating
The Most Frightening Part of Long-Term Care
It is not a one-time bill—it is an expense that continues every month, year after year.
计算您的潜在长照护理费用
Nursing Care Cost Calculator
Nursing Care Cost Calculator
Select a Level of Care
Select the Estimated Care Period
Estimated Total Nursing Care Cost
RM 133,711
*Assuming a conservative 6% annual inflation rate
*Nursing care insurance is not something you can simply purchase whenever you want. Your age and health condition will affect your eligibility.
Why You Need to Think About This Now
Loss of self-care ability
Needing help to bathe, dress, eat and walk means losing your freedom and independence.
Your Family May Be Forced to Put Their Careers on Hold
Your family may give up their careers, income and lifestyle just to care for you.
Financial and Relationship Pressure
Rising care costs can cause stress and arguments, slowly breaking even the closest relationships.
We started this work because too many families face these moments unprepared.
And we believe you deserve better.
How Can the Claim Amount Be Used?
The payout can be used to cover essential care-related expenses, including:
- Nursing Home : For round-the-clock medical and personal care
- Private Nurse : For home-based professional care and assistance
- Retirement Resort : Comfortable, assisted living facilities for long-term care
Benefit Payout Options
Once you meet the eligibility requirements, you may choose from the following payout options according to your needs:
- Lump-Sum Payout: Receive the full benefit amount in one payment to cover immediate major expenses.
- Instalment Payout: Arrange to receive the benefit in installments, providing stable and ongoing financial support.
-
Incapacitated Benefit Management: Allows policy owners to designate a trusted individual to manage their living benefits when they become medically incapacitated and unable to handle banking transactions.
*Engaging a lawyer to make this arrangement would normally incur additional legal fees. With our nursing care insurance, this arrangement is included as a complimentary benefit, at no additional cost to you.
Common Health Conditions That Qualify
Claims are typically triggered by conditions that cause long-term dependency or disability, such as:
- Stroke
- Alzheimer's disease (AD)
- Parkinson's disease (PD)
- Dementia
- Kidney Failure
- Cancer
- Fall
*Don’t let your future self become a burden to your children
Trusted Advisors in Malaysia
We help you understand the gaps in your current coverage.
Since 2012, TWC Advisory has been helping Malaysian families plan for better financial protection.
We want every client to clearly understand what coverage they already have, what may still be missing and the potential risks they could face in the future.
Trusted by More Than 10,000 Clients
We serve clients throughout Malaysia, with both face-to-face and online consultations available.
Experienced Advisory Team
Our team has years of experience in protection planning and client servicing.
Simple and Hassle-Free Claims Assistance
We assist you throughout the claims process, making it as smooth and stress-free as possible.
We Serve Clients Across Malaysia
Company Core Values
Compassion
Authenticity
Responsibility
Excellence
Testimonial
Sometimes life takes unexpected turns...
When it does, having the right nursing care insurance can make all the difference.
Hear from families who trusted us to be there when it mattered most.
TWC Advisory
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TWC Advisory
Registration Number:
201803284658 (PG0455855-M)
Address
Penang Office (HQ):
No. 1-04-21 , Egate , Lebuh Tengku Kudin 2, 11700, Gelugor, Pulau Pinang, Malaysia.
KL Office: Level 3, Tower B, PJ City Development, No, 15A Jalan 219, Seksyen 51A, 46100 Petaling Jaya, Selangor, Malaysia.
KL Office: Level 3, Tower B, PJ City Development, No, 15A Jalan 219, Seksyen 51A, 46100 Petaling Jaya, Selangor, Malaysia.
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