买保险前看看Medical cost

2013年尾了，开始规划自己的insurance cover.目前CI cover还是很低。在买入CI Cover 前，参考目前马来西亚的medical cost很重要。而且必须加入inflation 5-10% in next 10-20 years.那么cover 的数目比较实在。

看看一些websites的报价：

Procedure	UK Hospitals	Malaysia	Average Savings
Face Lift (Rhytidectomy)	$11,000 – $12,000	$2,500 – $3,500	70% – 77%
Breast Augmentation (Mammoplasty)	$7,000 – $8,000	$3,000 – $4,000	50% – 57%
Breast Reduction	$8,000 – $9,000	$3,000 – $4,000	55% – 63%
Breast Lift	$2,000 – $3,000	$900 – $1,000	55% – 67%
Tummy Tuck	$6,000 – $7,000	$2,000 – $2,500	64% – 67%
Liposuction (Lipoplasty)	$5,000 – $6,000	$2,000 – $3.000	50% – 60%
Nose Surgery (Rhinoplasty)	$5,500 – $6,500	$2,000 – $2,500	61% – 64%
Plastic and Reconstructive Surgery
Procedure	UK Hospitals	Malaysia	Average Savings
Porcelain Bonded Crowns	$950 – $1,000	$150 – $200	80% – 84%
Root Canal (per canal)	$300 – $400	$200 – $250	33% – 38%

Cost comparison with the USA [source]Medical Procedures
Procedure	US Hospitals	Malaysia	Average Savings
Angioplasty	$55,000 – $57,000	$7,500 – $8,500	80% – 86%
Heart Bypass	$120,000 – $130,000	$11,500 – $12,500	90% – 91%
Heart-valve Replacement	$150,000 – $160,000	$14,500 – $15,500	90% – 91%
Hip Replacement	$41,000 – $43,000	$9,500 – $10,500	75% – 77%
Hysterectomy	$18,000 – $20,000	$3,500 – $4,500	77% – 81%
Knee Replacement	$38,000 – $40,000	$7,500 – $8,500	78% – 80%
Plastic and Reconstructive Surgery
Procedure	US Hospitals	Malaysia	Average Savings
Face Lift (Rhytidectomy)	$7,000 – $9,000	$2,500 – $3,500	61% – 64%
Breast Augmentation (Mammoplasty)	$5,000 – $8,000	$3,000 – $4,000	40% – 50%
Breast Reduction	$4,000 – $6,000	$3,000 – $4,000	25% – 33%
Complete Liposuction (Lipoplasty)	$4,000 – $6,500	$2,000 – $3.000	50% – 53%
Nose Surgery (Rhinoplasty)	$5,500 – $6,500	$2,000 – $2,500	61% – 63%
General and Cosmetic Dentistry
Procedure	US Hospitals	Malaysia	Average Savings
Root Canal	$600 – $1,000	$200 – $250	67% – 75%
Porcelain Crown	$600 – $1,000	$150 – $200	75% – 80%