Disclaimer

General Disclaimer

This Disclaimer applies to the use of HealthGuard Malaysia and its content. We provide information for general educational and awareness purposes only. The content on our website covers topics including healthcare cost planning in Malaysia, MySalam scheme details, PeKa B40 health scheme information, private medical insurance comparisons, hospitalisation cost preparation, and outpatient expense budgeting.

We make every effort to ensure that the information provided is accurate, up-to-date, and reliable. However, we do not guarantee the completeness, accuracy, or timeliness of any information. Healthcare costs, insurance schemes, and medical procedures are subject to change. We recommend verifying all information with official sources, healthcare providers, and relevant government agencies before making decisions based on our content.

The healthcare landscape in Malaysia, including scheme benefits and coverage details, is constantly evolving. We strive to keep our information current but cannot be held responsible for any inaccuracies or omissions that may occur between updates.

No Professional Advice

Our content is provided for informational purposes and should not be construed as professional medical, financial, or legal advice. We are not licensed healthcare providers, financial advisors, or legal professionals. Nothing on our website constitutes a recommendation for any specific insurance plan, medical treatment, or financial strategy.

Your healthcare decisions, insurance selections, and financial planning should always be made in consultation with qualified professionals. Please speak with licensed doctors, certified financial advisors, and insurance agents who understand your individual circumstances. They can provide personalised guidance tailored to your specific needs, medical history, and financial situation.

We strongly encourage you to conduct thorough research and seek professional consultation before making any significant healthcare or insurance-related decisions. The information we provide is a starting point for your own due diligence, not a substitute for professional expertise.

Limitation of Liability

To the fullest extent permitted by law, we shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our website or reliance on our content. This includes but is not limited to loss of profits, data, or opportunities.

We are not responsible for any errors, omissions, or inaccuracies in the information provided. Users access our website and content at their own risk. We do not warrant that our website will be uninterrupted, secure, or error-free, or that defects will be corrected.

By using our website, you assume full responsibility for any decisions made based on the information provided. We strongly advise consulting with appropriate professionals before taking any action related to healthcare planning, insurance selection, or medical decisions. Your health and financial well-being are too important to rely solely on general information.

Changes to This Disclaimer

We may update this Disclaimer from time to time to reflect changes in our practices, applicable laws, or other factors. When we make significant changes, we will notify users by updating the “Last updated” date at the top of this page. Your continued use of our website following any changes constitutes your acceptance of the revised Disclaimer.

We encourage you to review this Disclaimer periodically to stay informed about how we protect you and what limitations apply to your use of our services and content.