MSO - Medical Second Opinion

MSO is a service provided by Insmart via its principal MediGuide (USA), whereby Insured/Member who has been diagnosed with certain illness can seek a medical second opinion from World Medical Centre (WMC)

Within 10 business days after receipt of the medical records by MediGuide, the Member and his physician shall receive a comprehensive, written MSO from the chosen Medical Center which reviews both the original diagnosis and, most importantly, the recommended treatment.

Insmart is exclusive partner of Mediguide USA in Vietnam.

MSO is a service whereby Insured/Member who has been diagnosed with certain illness or disease, can seek a medical second opinion from World Leading Medical Centre (WLMC). Why MSO is crucial in our healthcare and insurance?

  • In Asia, statistics revealed that 3-24% errors are found on first diagnosis and 93% of the time, scientists changed or enhanced treatment the patient was originally told to follow
  • A policyholder (member/patient) that has been diagnosed with a disease generally would like to seek an MSO but to go through another medical provider would typically involves another screening, a dreadful procedure not to mention incurring additional medical cost which ultimately be borne by the insurers
  • Ensure correct diagnosis and proper treatment are carried out, reduces medical errors and associated cost, resulting in lower claims losses of insurers
  • This independent review provides comprehensive information/advice to facilitate Insured/Members in making the right decision, potentially saving lives

Benefit:

  • Connects patients with world-leading medical centers actively involved in ground-breaking research and recent clinical developments
  • Requests medical records from the primary care physician and then care coordinators identify specialists through world-leading medical centers to review and provide recommendations
  • Within 10 working days after receipt of the medical records, the patient and his local physician receive a comprehensive and written Medical Second Opinion (MSO) from the chosen Medical Centre which reviews both the original diagnosis and most importantly the recommended treatment – all done without getting on a plane or waiting weeks to get an appointment
  • Adds no out-of-pocket expense to the employee or dependents for this service
  • Provides employees peace of mind knowing that an independent review of their diagnosis and treatment plan is available

Special Features

  • Low Cost
  • Unlimited number of MSO for different disease per year
  • No Pre-Existing Exclusions or Limitations
  • No Waiting Periods
  • No Age, Gender or Occupation Restrictions
  • No Co-Insurance Requirements
  • Guaranteed Acceptance/Issued Programs
  • Covers Individual, Family and Extended Family Members

Qualifying Medical Conditions (QMC)

  • Able to review ANY medical diagnosis with a MSO with the exception of the following circumstances:
    • No diagnosis
    • No evaluation by a treating physician for >1 years
    • Condition is acute or life-threatening (requires immediate medical intervention)
    • An in person evaluation is required (e.g. mental illness)


MSO Hotline: 1800 6803

Email:     mediguide-mso@insmart.com.vn

Tags: MSO

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