马来西亚-我的第二家园计划 (MM2H) 医疗和健康保险 Malaysia My Second Home (MM2H) Medical Insurance Program shared by Malaysia Medical Insurance Organization (MMI)

马来西亚-我的第二家园计划 (MM2H)

LAST UPDATED ON 08 AUGUST 2014

分享来自

马来西亚医疗保险机构 (MMI)

马来西亚值得信赖，经验丰富及规模最大的医疗和健康保险业务方案服务提供组织

Malaysia Medical Insurance Organization (MMI)

Your Trusted Malaysia Medical Insurance Risk Management Advisory Provider.

Malaysia Medical Insurance Organization (MMI)

Head Office,

158-3-7, BLOK 158, KOMPLEKS MALURI,

JALAN JEJAKA, TAMAN MALURI,CHERAS,

55100 KUALA LUMPUR, MALAYSIA.

MMI careline +603-92863323

mmicare@medicalinsurance.com.my

www.medicalinsurance.com.my

Malaysia My Second Home (MM2H)

Ministry of Tourism and Culture

Level 1, No. 2, Tower 1, Jalan P5/6, Presint 5, 62200 W.P. Putrajaya, MALAYSIA

+603 8891 7424/27/34/39

+603 8891 7415

mm2h@motac.gov.my

马来西亚-我的第二家园计划 MM2H

马来西亚- 我的第二家园计划是由马来西亚政府推动的一项计划，让符合特定条件的外籍人士获得多次入境社交签证，以便长期居留在马来西亚。

多次入境社交签证有效期限为10年并可以更新。

申请资格

这项计划公开给马来西亚所承认的国家的公民申请，并无分种族、宗教、性别或年龄。这项计划允许申请者携带配偶，父母及孩子。马来西亚公民的外籍配偶和外籍人士在其工作签证期满后，可以申请此计划以在马来西亚退休生活。

申请者可携带配偶，年龄21岁以下的未婚孩子及60岁以上的父母。

为什么选择 马来西亚？

政府的支持

这项计划由马来西亚政府所提倡，策划和推行。因此，政府将会持续发展这项计划，确保计划取得成功。

文化和语言

马来语是官方语言而英语则是第二语言。不过其他语言还是可以自由使用。由于马来人占绝大多数，因此，马来人文化自然成为我国的主要文化，不过其他族群的文化仍然可以并存。各族文化更出现自由融合的情况。

休闲和娱乐

马来西亚拥有许多适合一家大小的休闲点，例如主题公园、森林步道，休闲运动及水上运动，同时是个拥有最多高尔夫球场的国家。

财务需求

申请者必须拥有足够的财务能力来维持在马来西亚期间的生活。

申请时：

年龄低于50岁的申请者必须证明拥有至少RM500,000的流动资产，同时证明拥有海外收入每月RM10,000。

年龄50岁和以上的申请者必须证明拥有至少RM350,000的流动资产，同时证明拥有海外收入每月RM10,000。对于退休人士，则必须出示获得政府认可退休金的证明，数额为每月RM10,000。

购买价值至少RM1,000,000房地产的全新申请者，在申请时将获准存入数额较低的定期存款。

申请获批时

当收到马来西亚移民局发出的“附带条件批准函”后，成功申请者必须符合下列财务条件。

申请获批：年龄低于50岁

必须开设RM300, 000的定期存款户口。

一年期限之后，可以提领高达RM150,000作为购买房屋及汽车，还有子女在马来西亚教育及医药费相关开销。

从第二年开始至终止参与此项计划为止，必须保存至少RM150,000。

成功申请者，一旦购买价值RM1,000,000或以上的房地产，只需符合存入RM150,000定期存款的基本需求，惟条件是有关的房地产必须已经缴清，同时已经取得地契和土地拥有权文件。除非有意终止参与“马来西亚-我的第二家园”计划，否则申请者不能擅自提领有关定存数额。

申请获批：年龄50岁和以上

可以选择：

开设一个RM150,000的定期存款户口；或

出示获得政府认可退休金的证明，数额为每月RM10,000。

一年期限之后，可以提领高达RM50,000作为购买房屋及汽车，还有子女在马来西亚教育费及医药费相关开销。

从第二年开始至终止参与此项计划为止，必须保存至少RM100,000。

成功申请者，一旦购买价值RM1,000,000或以上的房地产，只需符合存入RM100,000定期存款的基本需求，惟条件是有关的房地产必须已经缴清，同时已经取得地契和土地拥有权文件。除非有意终止参与“马来西亚-我的第二家园”计划，否则申请者不能擅自提领有关定存数额。

体检报告

所有的申请者和他的家属（配偶和孩子），必须呈交由马来西亚任何一所私人医院，或注册诊疗的体检报告。

医疗保险

成功申请者及家属（配偶和孩子），必须拥有受马来西亚认可的任何保险公司所提供医药保险。不过，因年龄或健康状况而无法签购保单的申请者，则可豁免遵守是项条例。

保证金 (直接申请)

个人直接申请者需要支付保证金。请参阅马来西亚移民局按照国籍规定的保证金列表，数额从RM200至RM2,000。

个人保证金 (通过代理申请)

合法代理需要为他们的顾客（成功申请者及家属）支付个人保证金。

联系我们

欲知最新条规和详情，奖掖以及申请程序可以联系我们或游览我们的网站：

马来西亚- 我的第二家园计划中心（MM2H中心）

马来西亚旅游部

马来西亚布特拉再也第五区, P5/6路，

第1办公楼，10楼2号。

邮编：62200

Malaysia My Second Home Centre

Ministry of Tourism Malaysia

Level 1, No. 2, Tower 1,

Jalan P5/6, Precinct 5,

62200 Putrajaya，

Malaysia.

营业时间:

星期一至星期四

MM2H中心及移民局柜台: 上午8时至下午5时

移民局付款柜台: 上午8时至下午5时

休息时间：中午1时至2时

星期五

MM2H中心及移民局柜台: 上午8时至下午5时

移民局付款柜台: 上午8时至下午4时

休息时间：中午12时15分至2时45分

电话号:

+603 8891 7424 / +603 8891 7428 / +603 8891 7444 / +603 8891 7416 / +603 8891 7442

传真号:

+603 8891 7415

电邮: mm2h@motac.gov.my 网站：http://www.mm2h.gov.my

分享来自

马来西亚医疗保险机构 (MMI)

马来西亚值得信赖，经验丰富及规模最大的医疗和健康保险业务方案服务提供组织

Malaysia Medical Insurance Organization (MMI)

Your Trusted Malaysia Medical Insurance Risk Management Advisory Provider.

Malaysia Medical Insurance Organization (MMI)

Head Office,

158-3-7, BLOK 158, KOMPLEKS MALURI,

JALAN JEJAKA, TAMAN MALURI,CHERAS,

55100 KUALA LUMPUR, MALAYSIA.

MMI careline +603-92863323

mmicare@medicalinsurance.com.my

www.medicalinsurance.com.my

ABOUT MM2H PROGRAMME

LAST UPDATED ON 09 JANUARY 2014

Malaysia My Second Home (MM2H) Programme is promoted by the Government of Malaysia to allow foreigners who fulfill certain criteria, to stay in Malaysia for as long as possible on a multiple-entry social visit pass.

The Social Visit Pass is initially for a period of ten (10) years, and is renewable.

Eligibility

It is open to citizens of all countries recognised by Malaysia regardless of race, religion, gender or age. Applicants are allowed to bring their spouses and unmarried children below the age of 21 as dependants.

WHY CHOOSE MALAYSIA

GOVERNMENT SUPPORT

This programme is initiated, organised and launched by the Malaysian Government and is thus one that the Government will continuously seek to improve, to ensure its success.

MM2H PROGRAMME TERMS & CONDITIONS

FINANCIAL REQUIREMENTS

Applicants are expected to be financially capable of supporting themselves on this programme in Malaysia.

Upon application:

Applicants aged below 50 years are required to show proof of liquid assets worth a minimum of RM500,000 and offshore income of RM10,000 per month. For certified copy(s) of Current Account submitted as financial proof, applicants must provide the latest 3 months’ statement with each month’s credit balance of RM 500,000.

Applicants aged 50 and above may comply with the financial proof of RM350,000 in liquid assets and off shore income of RM10,000 per month. For certified copy(s) of Current Account submitted as financial proof, applicants must provide the latest 3 months’ statement with each month’s credit balance of RM 350,000. For those who have retired, they are required to show proof of receiving pension from government RM 10,000 per month.

Approved participant who has purchased and own property which was bought at RM1 million and above in Malaysia may state his/her intention in letter of application during submission to lower down basic fixed deposit requirement.

UPON APPROVAL

(A) Aged Below 50 years old

Open a fixed deposit account of RM300,000.00

After a period of one year, the participant can withdraw up to RM150,000.00 for approved expenses relating to house purchase, education for children in Malaysia and medical purposes.

Must maintain a minimum balance of RM150,000.00 from second year onwards and throughout stay in Malaysia under this programme.

Approved participant who has purchased and own property which was bought at RM1 million and above in Malaysia may state his/her intention in letter of application during submission to lower down basic fixed deposit requirement of RM300,000 to RM150,000 on condition that the property has been fully paid and ownership documents such as grant and land title have already been issued. This amount may not be withdrawn until the participant decides to terminate his participation in MM2H programme.

MEDICAL REPORT

All applicants and their dependants are required to submit a medical report from any private hospital or registered clinic in Malaysia.

MEDICAL INSURANCE

Approved participants and their dependants must possess valid medical insurance coverage that is applicable in Malaysia from any insurance company.

However, exemptions may be given for participants who face difficulty in obtaining a medical insurance due to their age or medical condition.

SECURITY BOND (DIRECT APPLICATION ONLY)

Applicants applying directly are required to fulfill the security bond condition. Please refer to Security Bond for rate per person by nationality, ranging from RM200 to RM2000.00.

PERSONAL BOND (APPLICATION THROUGH AGENT)

Licensed companies are required to provide the personal bond for their clients who have been approved under the MM2H Program.

CONTACT US

Malaysia My Second Home

Ministry of Tourism and Culture

Level 1, No. 2, Tower 1, Jalan P5/6, Presint 5, 62200 W.P. Putrajaya, MALAYSIA

+603 8891 7424/27/34/39

+603 8891 7415

mm2h@motac.gov.my

Shared By Malaysia Medical Insurance Organisation.

Malaysia Medical Insurance Organization (MMI)

Your Trusted Malaysia Medical Insurance Risk Management Advisory Provider.

Malaysia Medical Insurance Organization (MMI)

Head Office,

158-3-7, BLOK 158, KOMPLEKS MALURI,

JALAN JEJAKA, TAMAN MALURI,CHERAS,

55100 KUALA LUMPUR, MALAYSIA.

MMI careline +603-92863323

mmicare@medicalinsurance.com.my

www.medicalinsurance.com.my

https://www.facebook.com/medical.insurance.my

Your Trusted and Experience Malaysia Medical Insurance Corporate Agency

ACPG Management Sdn Bhd

Head Office,

158-3-7, BLOK 158, KOMPLEKS MALURI,

JALAN JEJAKA, TAMAN MALURI,CHERAS,

55100 KUALA LUMPUR, MALAYSIA.

ACPG careline +603-92863323

enquiry@acpgconsultant.com

www.acpgconsultant.com

https://www.facebook.com/acpg.management

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Head Office

158-3-7, Blok 158, Kompleks Maluri,

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55100 Kuala Lumpur, Malaysia.

http://www.acpgconsultant.com

+603-92863323

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What Your Car Insurance Will Not Normally Cover

If you have read the terms and conditions for all three policies carefully, provided that you actually understood everything, you will realise that some incidents are not covered, even though they occur fairly frequently, for example - you would expect your car insurance to cover your death in the event of a serious accident...but does it really?

To be clear, that's what a motor personal accident insurance is for, something you should also sign-up for when taking up a car insurance plan.

1. Your own death or bodily injury because of a motor accident

You would expect that your own death or at least physical injury to be coverage for a modest amount of money; well, stranger things have happened. Your personal accident insurance or medical insurance might have you covered, but not a car insurance plan. Nope, not even the comprehensive cover - that means no hospitalisation allowance or coverage for funeral expenses.

2. Your liability against claims from your passengers

A passenger who gets hurt because of a car accident will usually have an easier case compared to the person behind the wheel - if the accident involves two vehicles, one of the drivers will most likely be found negligent and liable for the physical injury to the passenger.

However, you will be able to pay additional premium on your motor insurance to include Passenger Liability Extension Cover, in the event that your passengers choose to sue you.

3. Stolen non-factory fitted vehicle accessories such as car stereos, leather seats, sports rims etc.

Pimping out your brand new Honda City with custom spinning rims, genuine leather seats, and an expensive (but totally unnecessary) sound system might earn you brownie points with your friends and colleagues, but you may also be drawing a lot of unwanted attention from less agreeable people i.e. car thieves. Make sure in addition to your lavish upgrades, you install additional car security features, such as a powerful GPS tracking system!

4. Consequential loss, depreciation, wear and tear, mechanical, technical breakdown failures, or breakages

Like everything else - cars aren't built to last. As vehicle parts wear out with time (excluding parts made out of glass e.g. windshield), the value of your car depreciates along with them - and honestly, a car's value drops the moment it leaves the showroom.

You'll probably lose up to 40% of its initial value 5 years down the road - literally! If you're planning to insure a car that is pushing 15 years of age, good luck finding an insurer that'll take you on.

5. Vehicle damage due to acts of nature e.g. flood, landslide, typhoon

These unfortunate events, along with earthquakes and hurricanes are commonly referred to as natural disasters or acts of God, and are not covered in standard car insurance policies. On the other hand, you may pay higher premiums to extend your policy to cover flood, landslide, landslip including adequate cover for your passengers.

As you've read, insurance companies will allow you to add-on optional benefits to your car insurance policy to be insured for all five exclusions that we've mentioned above, including coverage for windscreen repairs and replacement - but of course, you will have to pay a higher premium. So you'd now probably want to know what goes into calculating your premiums?

Your Motor Premium Calculation

Motor insurance premium is calculated according to the Motor tariff set out by Persatuan Insurans Am Malaysia ( PIAM). All insurance companies are required to use the same pricing schedule.

This prices are determined by a few factors such as coverage type, use of vehicle, car engine size i.e. cubic capacity, age of vehicle, maximum sum insured, extended coverage and number of registered drivers.

However, this is all set to change in 2016, when the current tiered system will be replaced with a new risk based price structure, an effort by Bank Negara Malaysia to deregulate the car insurance industry.

Avoid Under-Insurance

Lastly, it is very important that you insure your vehicle appropriately according to its current value, whether its at the purchase price for a new car, or the current market value for one that is used.

This is to avoid under-insurance that will result in only partial compensations on claims, or worse still over-insurance, where you simply waste money to insure a car above its market value, when the maximum you can claim is at the market value - so why would you want to do that?

Drive your life better with exclusive ACPG car insurance tips and deals!

ACPG MANAGEMENT SDN BHD

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Malaysia Risk Management Insurance Solution Services Provider since year 1989.

We (ACPG), provided all classes of insurance services more than 27 years in Malaysia (since year 1989).

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Any enquiry, email to enquiry@acpgconsultant.com or Call our Careline : +603-9286 3323.