MPT Myanmar | Moving Myanmar Forwardziwaka Health Insurance faqs - MPT Myanmar | Moving Myanmar Forward
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Frequently asked questions of Health Insurance

1. What is Health Insurance?

Health Insurance is the type of the insurance which reduces the expenses of hospitalization to some extent.

2. What are the benefits of health insurance?

If you are hospitalized due to an accident or illnesses, health insurance will get the benefit of hospitalization based on the coverage amount of health insurance which you purchased by calculating the quantity of the inpatient days.

3. Who is eligible to buy Health Insurance?

Eligible to anyone who is under the age of 75 from the age of 6 and for those under the age of 18, the guardian will be policy holder and can purchase the policy.

4. Can I buy health insurance for my family?

Yes, family members must be between the age of 6 and 75, and for those under the age of 18, the guardian will be policy holder and can purchase the policy.

5. My father/mother has hypertension or other illnesses and is it ok to buy health insurance?

Health insurance can only be purchased for those who do not have the disease and intend to get coverage when they hospitalize.

6. Is it eligible for me to buy health insurance as I have a previous history of the disease?

While submitting a proposal of ZIWAKA, please honestly fill the declaration form with the righteous information of your condition and our company will inform whether it is eligible to buy or not.

7. How is the health insurance coverage duration determined?

The health insurance coverage period is one year and for policyholders who make semi-annually payment, the policy will be terminated if the second instalment is not paid within 15 days after 6 months.

8. Is there a refund if you no longer want health insurance after purchase?

There is no refund after the purchase of health insurance.

9. Will there be a discount if you buy next year with the fact that you do not make a claim compensation throughout the health insurance period?

There is no discount for the next year purchase even if you do not make a claim compensation throughout the health insurance period.

10. How much does it cost to buy Health Insurance?

Health insurance premium depends on the age of the insured person. For example, a person under the age of 30 will have to pay 11,000 kyats for a one-year subscription. For 6 months, it will only cost 5,600 kyats.

11.How is the payment of the health insurance purchase? Do I have to pay in cash?

You can buy health insurance premium with MPT money or MPT phone bill.

12. What if I have no cash left in my MPT money account to buy health insurance?

If you have no cash left in your MPT money account to buy health insurance, you can top up your phone bill.

13. Can I buy health insurance in instalments?

Health insurance premiums can be paid for 1 year or 6 months.

14. Do we need to do medical check-up for purchasing health insurance?

You do not need medical check-up for purchasing health insurance. You have to fill out the declaration and proposal with honesty / good faith. If it is required, you need to send the copy of your medical record history and your previous check-up to us.

15. Is it eligible only for local hospital or does foreign hospital and clinics include coverage for health insurance?

Health insurance is eligible to cover the local as well as foreign hospitals and clinics.

16.When will the health insurance cover start?

After the payment of the health insurance premium, the coverage will start. For the claim relating to hospitalization due to Covid19 is valid only after the 21 days of policy start date.

17. Which evidence will we get after the purchase of health insurance?

After the purchase of the health insurance, GGI Nippon Life will send the policy contract (E-policy) via Viber or email.

18. Will we claim for hospitalization on the purpose of childbirth?

If you are hospitalized for childbirth, you are not entitled to get claim.

19. What about going to clinic for curing illnesses?

For going to clinics due to illnesses as an outpatient, it will be covered if you buy additional option coverage in the health insurance.

20. What will we get claim compensation if we are hospitalized? What are the maximum claim compensations?

You must be admitted to the hospital for a maximum of 60 days continuously or discontinuously. However, those who are hospitalized for less than 4 days are not entitled to claim compensations and are entitled to benefits starting from 4 days to 60 days.

21.How do we get claim for the hospitalization while admitting to the hospital or after the discharge from the hospital?

You have to inform the insurance company while admitting to the hospital and you can ask for claim compensation after the discharge from the hospital by calculating the days of your hospitalization.

22. How long will the claim process take?

If there is complete document while asking for the claim, we will process within 3 days to 7 days.

23. How can claim compensation be issued? Is it ok to draw the claim compensation out on behalf of the insured person?

You can draw out the claim with proxy (General Power/ Special Power) letter.

24. How long does it take to make a payment for the premium fee after submitting the proposal through ZIWAKA?

It takes only 10 minutes to make a payment for the premium fee after submitting the proposal from the ZIWAKA.

25. Which evidence will we need to send while purchasing insurance from ZIWAKA?

You have to send the NRC photo and the passport photo which recently taken within 3 months or selfie while purchasing insurance from ZIWAKA. For the purchasing of under 18 (minor), you have to send the birth certificate photo of the child (if not child’s NRC is unavailable) also need to send the NRC of the guardian who will purchase.

26. If you die in the hospital, will you still receive the benefit of hospitalization day or only get the death benefit?

If you die in the hospital, you can get not only death benefits but also the benefit of the hospitalization days.

27. Is it eligible for government employees to buy it?

Yes, government servant / employees can also buy it.

28. Is it eligible for military personnel to buy it?

Military personnel can also buy it, but the claim relating with wars or war alike situations cannot get the claim benefit.

29. While admitting to hospital, when will claim process start to cover?

For those who are hospitalized for less than 4 days, claim compensation will not be covered and it will start from the day 4 to 60days.

30.How can I do if it takes too long to get reply after submitting the proposal through application?

If it takes too long to get reply message after submitting the proposal through ZIWAKA, please contact us (09400083003 and 09400083004).

31. How can I do if it takes too long to get reply after submitting the proposal and also making a payment through ZIWAKA?

If it takes too long to get reply after submitting the proposal and also making a payment through ZIWAKA, please contact us (09400083003 and 09400083004).

32. How can I do if I have a question relating to the declaration form?

If you have a question relating to the declaration form, please contact us (09400083003 and 09400083004).

33. How can I do if there is an error while filling in the ZIWAKA?

If there is an error while filling in the ZIWAKA, please contact us (09400083003 and 09400083004).

34. How long does it take to get a policy after transferring a payment for the premium fee through ZIWAKA?

After transferring premium fee from the app, the policy contract will be sent by Viber or Email within 5 working days.

35.For those who only pay for 6 months, will you be notified when the time comes to make another payment?

For those who only pay for 6 months, we will send you an SMS when the time comes to make another payment.

36. Will foreigners be valid to buy health insurance?

Yes, foreigners can also buy health insurance with MPT money or MPT phone bill.

37. Is it covered even if the COVID-19 s positive?

It is covered even if COVID-19 is positive. Please also note that there will be a 14-day waiting period for any COVID 19 related claims for all policies issued from the policy effective date.

38. If I can join SSB at my company, do I need to purchase?

SSB is generally an in-kind benefit and is limited to treatment at a designated medical institution, but in the case of Health Insurance, the insurance payment is paid in cash. Therefore, it is possible to receive treatment at the desired hospital using that money.