KUALA LUMPUR, Feb. 15 -- Are you feeling unsure about whether your medical insurance will cover your private hospital bill, or wondering how to make medical insurance claims?

Here is a quick list of seven basic steps that you need to know, based on the government-backed Financial Education Network's (FEN) MHIT Made Simple guide and online resources by Malaysia's insurance and takaful industry:

1. But first, what to confirm before you undergo medical treatment?

Ask your doctor, insurance company or insurance agent if your insurance covers this treatment, especially if it is a newer or uncommon treatment.

Ask your doctor:

* If this treatment is medically necessary;

* If you need to stay at the hospital, or if there is an outpatient or...