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It is suffice to say that many of us participate in Takaful medical plans for its benefits of protection in the form of medical coverage. This helps to assure us we are able to have access to necessary healthcare without having to eat into our personal savings. Once you have participated in a medical plan, you would be made aware of the panel hospitals, and even preferred hospitals covered by your Takaful operator. You will have noticed that the list does not cover every single hospital you know. Why not? Well, let’s have a look at what panel hospitals are first.
Panel hospitals refer to hospitals which your Takaful operator have partnered with to service individuals under their medical plans. What are the benefits of panel hospitals?
Having this form of partnership between Takaful operators and hospitals enables participants to have a smoother and far efficient admission and claiming process, than if participants were to visit non-panel hospitals. Being hospitalised under a non-panel hospital means you would have to pay your bill first, before having your fee reimbursed by your Takaful operator upon claim request. In essence, seeking treatment at panel hospitals creates a more seamless experience for participants.
As mentioned in the beginning, there also are preferred hospitals. They are panel hospitals that have established exclusive partnerships with a Takaful operator to offer additional benefits to participants regarding their hospital admissions. These hospitals are also selected for their delivery of quality and cost effective healthcare as well as services. That means participants get to enjoy additional services on top of the experience they get with panel hospitals.
Additional services provided by such preferred hospitals could include the following.
Ultimately, preferred hospitals would be committed to offering the best professional healthcare and services, at reasonable rates. This enables participants like yourself added value in seeking treatment at a hospital.
In this day and age, rising medical costs are a worry; but with recognising benefits of panel and preferred hospitals, you will be able to enjoy savings in the long-run. If you happen to be learning about this for the first time, now’s the best time to take note of the panel and preferred hospitals under your Takaful plan, especially the ones located around you. This would ensure you get a seamless experience at the hospital, from admission to discharge, for you to focus on the road of recovery ahead!
Though panel hospitals are common, not all Takaful operators work with preferred hospitals. However, you would be able to enjoy the abovementioned exclusive perks when participating in GETB’s medical plans.