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This post has been edited by Brother Nick: Feb 5 2013, 11:52 PM
The Best Medical Card In Malaysia, "No Lifetime Limit "
The Best Medical Card In Malaysia, "No Lifetime Limit "
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Mar 20 2010, 04:41 PM, updated 13y ago
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#1
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Junior Member
18 posts Joined: Dec 2009 |
THREAD CLOSE
This post has been edited by Brother Nick: Feb 5 2013, 11:52 PM |
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Apr 7 2010, 10:46 PM
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#2
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Junior Member
7 posts Joined: Mar 2010 |
when someone buys medical card, must also buy life insurance as well?
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Apr 8 2010, 10:17 AM
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18 posts Joined: Dec 2009 |
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Apr 9 2010, 07:23 AM
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270 posts Joined: Jul 2006 From: Johor Bahru |
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Apr 9 2010, 08:56 AM
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18 posts Joined: Dec 2009 |
QUOTE(joetiew @ Apr 9 2010, 07:23 AM) It is from AXA AFFIN LIFE INSURANCE BERHAD. Our medical card dont have lifetime limit. So let say your annual limit is RM100k. Meaning you can claim every year 100k until your age is 81. Our medical card is accepted in more than 88 panel hospital in Malaysia. For quotation please pm me your :- Date Of Birth : Smoker : Yes/No Occupation : |
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May 1 2010, 02:04 PM
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All Stars
14,990 posts Joined: Jan 2003 |
QUOTE(Brother Nick @ Apr 9 2010, 08:56 AM) It is from AXA AFFIN LIFE INSURANCE BERHAD. Our medical card dont have lifetime limit. Do you have a list of panel hospitals?So let say your annual limit is RM100k. Meaning you can claim every year 100k until your age is 81. Our medical card is accepted in more than 88 panel hospital in Malaysia. For quotation please pm me your :- Date Of Birth : Smoker : Yes/No Occupation : |
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May 1 2010, 02:42 PM
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Senior Member
965 posts Joined: Mar 2008 |
pm me ur quotation, details as below
Date Of Birth : Nov 1985 Smoker : No Occupation : Banking/Finance |
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May 1 2010, 08:13 PM
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#8
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Junior Member
18 posts Joined: Dec 2009 |
QUOTE(wodenus @ May 1 2010, 02:04 PM) Hi wodenus,Yes we have. give me your email address and I'll send it to you. QUOTE(jeff_v2 @ May 1 2010, 02:42 PM) Hi jeff_v2, |
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May 2 2010, 06:31 PM
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#9
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Junior Member
28 posts Joined: Jan 2007 From: subang jaya |
can pm me more abt the details..
11-09-1988 non smoker |
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May 3 2010, 03:23 AM
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Junior Member
56 posts Joined: Aug 2009 |
panel list request pm pls
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May 3 2010, 10:28 AM
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Senior Member
767 posts Joined: Sep 2009 From: Puchong |
Do you have a group insurance for 3 employee?
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May 3 2010, 10:38 AM
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Junior Member
18 posts Joined: Dec 2009 |
QUOTE(baby_jap_wawa @ May 2 2010, 06:31 PM) PM sent . Quotation sent for your kind consideration QUOTE(hurtnet @ May 3 2010, 03:23 AM) PM sent. Please check your inboxQUOTE(kent_lau7 @ May 3 2010, 10:28 AM) PM sent . Please check your inbox. |
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May 3 2010, 02:04 PM
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Junior Member
209 posts Joined: Sep 2007 |
Hi. Can you please pm the insurance details - price, benefits etc for six month old bb girl. Thanks
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May 4 2010, 01:10 AM
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Junior Member
18 posts Joined: Dec 2009 |
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May 5 2010, 09:30 AM
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Staff
1,368 posts Joined: Nov 2004 From: A' Ghàidhealtachd |
More information or thread will be closed. Put all the details in the 1st post.
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May 5 2010, 09:47 AM
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Senior Member
768 posts Joined: Nov 2004 |
what will happen after claim? if i got heart attack will i be covered again? my aunt's medical card just got terminated as the company don't want to cover my aunt after her operation.
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May 5 2010, 11:19 AM
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Junior Member
18 posts Joined: Dec 2009 |
QUOTE(ocphangaz @ May 5 2010, 09:47 AM) what will happen after claim? if i got heart attack will i be covered again? my aunt's medical card just got terminated as the company don't want to cover my aunt after her operation. For our medical card, we will cover. We don't exclude the illness which be claim on previous year. There's a clause which stated clearly in our contract. For new entry, we don't cover pre-existing illness. |
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May 5 2010, 05:07 PM
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Junior Member
18 posts Joined: Aug 2009 |
Date Of Birth : 25/1/1984
Smoker : No Occupation : Lawyer Added on May 5, 2010, 5:07 pmDate Of Birth : 25/1/1984 Smoker : No Occupation : Lawyer Pm me the quotation plz This post has been edited by kienu: May 5 2010, 05:07 PM |
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May 5 2010, 11:37 PM
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18 posts Joined: Dec 2009 |
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May 7 2010, 06:39 PM
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Newbie
1 posts Joined: Mar 2009 From: KUALA LUMPUR |
pls pm me detail
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May 8 2010, 11:14 AM
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18 posts Joined: Dec 2009 |
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May 23 2010, 02:15 PM
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4 posts Joined: Sep 2009 |
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May 23 2010, 06:23 PM
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18 posts Joined: Dec 2009 |
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Jun 9 2010, 12:22 PM
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Newbie
0 posts Joined: Jan 2009 |
Hi,
pls quote me for bronze and silver plans. can we pay in monthly basis? 1- dob: february 1986 gender: female smoker- yes occupation: retail 2- dob: december 1978 gender: female smoker- no occupation: admin thank you... |
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Jun 9 2010, 03:41 PM
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Senior Member
3,725 posts Joined: Jul 2005 From: In /hardware/ |
Please pm me the quotation
Date Of Birth : 17 Jan 1987 Smoker : No Occupation : General clerk |
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Jun 9 2010, 05:56 PM
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Junior Member
18 posts Joined: Dec 2009 |
QUOTE(oCim @ Jun 9 2010, 12:22 PM) Hi, quotation sent . please check your mailboxpls quote me for bronze and silver plans. can we pay in monthly basis? 1- dob: february 1986 gender: female smoker- yes occupation: retail 2- dob: december 1978 gender: female smoker- no occupation: admin thank you... QUOTE(soundsyst64 @ Jun 9 2010, 03:41 PM) pm sent too |
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Jun 11 2010, 11:53 AM
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Junior Member
6 posts Joined: Apr 2005 |
dob:7/1978
smoker:no occupation:account clerk dob:4/1976 smoker:no occupation:teaching dob:6/2005 girl dob:1/2008 boy thanx |
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Jun 12 2010, 08:59 AM
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Junior Member
18 posts Joined: Dec 2009 |
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Jun 15 2010, 03:14 PM
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Junior Member
6 posts Joined: Apr 2005 |
bro..kindly pm again..didnt receive any..
thanx |
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Jun 15 2010, 04:51 PM
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Junior Member
18 posts Joined: Dec 2009 |
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Jun 16 2010, 10:32 AM
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Senior Member
3,651 posts Joined: Jan 2009 From: Fort Canning Garden Status: Dog Fighting |
Could you furnish the necessary information regarding the medical card? Thank you.
Date Of Birth : 06 February 1982 Smoker : Yes Occupation : Human Resource Generalist/Corporate Legal Advisor Regards, Joey |
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Jun 16 2010, 03:12 PM
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Junior Member
18 posts Joined: Dec 2009 |
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Jun 24 2010, 10:03 AM
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Newbie
0 posts Joined: Mar 2008 |
hi,
can u send me the quotation and the panel hospital list to me. coz i wan to apply a medical card for my baby. she is just 7 months old.. do PM more details.. thanks |
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Jun 26 2010, 02:07 PM
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18 posts Joined: Dec 2009 |
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Jul 5 2010, 11:27 PM
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31 posts Joined: Nov 2008 |
Brother Nick,
Is this the SmartCare Optimum medical card? Is a medical check-up required when signing up? Thanks. This post has been edited by resident: Jul 5 2010, 11:34 PM |
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Jul 6 2010, 05:22 PM
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Junior Member
18 posts Joined: Dec 2009 |
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Jul 7 2010, 11:41 AM
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Junior Member
121 posts Joined: Oct 2008 |
ING
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Jul 7 2010, 07:25 PM
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Junior Member
18 posts Joined: Dec 2009 |
It's not ING my friend. It's from AXA
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Jul 16 2010, 12:40 AM
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Junior Member
473 posts Joined: Dec 2009 From: Timbuktoo |
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Jul 16 2010, 09:42 AM
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18 posts Joined: Dec 2009 |
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Jul 20 2010, 09:46 AM
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Junior Member
85 posts Joined: Jun 2005 |
Hi please quote me as per detail
Date Of Birth : Sept 1985 Smoker : No Occupation : Project Engineer Thanks |
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Jul 20 2010, 11:22 AM
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Junior Member
18 posts Joined: Dec 2009 |
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Jul 28 2010, 01:58 PM
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190 posts Joined: Oct 2004 |
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Jul 29 2010, 12:01 PM
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18 posts Joined: Dec 2009 |
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Jul 30 2010, 03:03 PM
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Senior Member
7,247 posts Joined: Nov 2008 From: SINGAPORE💃 |
Date Of Birth : January 1979
Smoker : Yes Occupation : CEO / Lecturer / IT Engineer Also the list of medical consultant / panels. Thanks ! |
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Jul 30 2010, 03:56 PM
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Senior Member
952 posts Joined: Nov 2006 From: ~Cote D'Ivoire~ |
PM me more details.
28/2/1984 Engineer Smoker This post has been edited by stupidbump: Jul 30 2010, 03:56 PM |
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Jul 31 2010, 12:05 AM
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Junior Member
31 posts Joined: Jun 2010 From: USJ Subang |
bro,
dunno about medical card. just simply show the card to hospital? or pay total bill first n claim? pm detail plan 31, m, smoker, admin tq |
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Aug 2 2010, 02:31 PM
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Junior Member
18 posts Joined: Dec 2009 |
All request replied. :-)
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Aug 6 2010, 01:24 PM
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Senior Member
2,656 posts Joined: Nov 2004 |
Date Of Birth : Oct 1986
Smoker : No Occupation : Auditor ATM: Using Prudential (Pru med) Also the list of medical consultant / panels. Thanks ! Please kindly advise whether AXA has co-insurance/co-payment? This post has been edited by keith_hjinhoh: Aug 6 2010, 01:26 PM |
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Aug 8 2010, 11:07 AM
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Junior Member
18 posts Joined: Dec 2009 |
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Aug 10 2010, 08:26 PM
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Junior Member
41 posts Joined: Dec 2007 |
Dear Brother Nick, I am interested in the Gold Plan. However, I am kind of worried that coverage for outpatient cancer/kidney treatment is limited to RM40k. Is there any way to increase coverage for these two ailments, particularly cancer? Or any cheap cancer protection plan, whether from Axa Life or elsewhere? |
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Aug 11 2010, 02:59 PM
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Junior Member
18 posts Joined: Dec 2009 |
QUOTE(abbey @ Aug 10 2010, 08:26 PM) Dear Brother Nick, PM sent.I am interested in the Gold Plan. However, I am kind of worried that coverage for outpatient cancer/kidney treatment is limited to RM40k. Is there any way to increase coverage for these two ailments, particularly cancer? Or any cheap cancer protection plan, whether from Axa Life or elsewhere? |
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Aug 16 2010, 01:01 PM
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Senior Member
824 posts Joined: Jan 2007 From: Office / Home |
Date Of Birth : Dec/1981
Smoker : Yes Occupation : IT Support This post has been edited by pkiensing: Aug 16 2010, 01:02 PM |
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Aug 17 2010, 04:54 PM
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Junior Member
18 posts Joined: Dec 2009 |
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Aug 17 2010, 05:04 PM
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Senior Member
962 posts Joined: Jan 2006 From: شه عالم |
-deleted-
This post has been edited by azmihamzah: Aug 28 2010, 05:39 AM |
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Aug 17 2010, 06:33 PM
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Junior Member
18 posts Joined: Dec 2009 |
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Aug 26 2010, 03:44 PM
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Junior Member
31 posts Joined: Nov 2008 |
Bro Nick, Did you receive my PM? Hope to get your reply soon. |
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Aug 27 2010, 12:59 PM
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Junior Member
18 posts Joined: Dec 2009 |
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Sep 8 2010, 01:36 AM
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Junior Member
70 posts Joined: Jun 2009 |
31051984
Male IT Engineer Non Smoker |
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Sep 8 2010, 01:10 PM
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Junior Member
18 posts Joined: Dec 2009 |
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Sep 29 2010, 03:31 PM
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Junior Member
5 posts Joined: Dec 2007 From: klang, Selangor |
pm me ur quotation, details as below
Date Of Birth : Sept 1982 Smoker : yes Occupation : Business |
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Dec 3 2010, 12:06 AM
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Newbie
1 posts Joined: Mar 2009 |
pm me ur quotation, details as below
Date Of Birth : 03 1982 Smoker : no Occupation : Lecturer |
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Feb 15 2011, 03:30 PM
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Newbie
1 posts Joined: Feb 2011 |
Please quote me :
DOB : 22-3-1977 Smoker : No HR & Admin Exec |
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Mar 17 2011, 07:41 PM
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Junior Member
6 posts Joined: Jul 2006 |
pm me ur quotation, details as below
Date Of Birth : 04 1960 Smoker : yes Occupation : Teacher |
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Apr 30 2011, 12:05 PM
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Newbie
0 posts Joined: Apr 2011 |
Hi,
my name mohd gadaffi. IHM is the best medical card that i had use was very good. I said so because it provides free fully medical checkup once a year.prevent better thanr cure.for info please visit www.medicalcardmalaysia.com thanks. |
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May 16 2011, 12:43 AM
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Junior Member
20 posts Joined: Jan 2009 |
pm me ur quote
year: 1984 month: Jan Occupation: Engineer Smoker : yes I want the medical card + PA + Life |
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Jun 18 2011, 06:33 AM
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Newbie
0 posts Joined: Jan 2010 |
pm me ur quote
year: 1975 month: Jun Occupation: Engineer (no handling machine) Smoker : no |
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Jul 16 2011, 03:49 PM
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Newbie
3 posts Joined: Jul 2011 |
Please PM your quote to me
DOB: May/1980 Occupation: IT Support Smoker: No And also for my wife & 3 kids (1 boy & 2 girls) Thanks |
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Jul 22 2011, 09:52 AM
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Junior Member
121 posts Joined: Nov 2006 |
pm me your quote
year: 1983 month: Apr Occupation: Programmer Smoker : no |
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Jul 24 2011, 09:41 PM
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Junior Member
29 posts Joined: Jul 2011 |
Hi bro nick,
Could you please pm me the available package of medical card to cover inpatient treatment? I need to know what are the coverage, how much would be the monthly commitment. My details: D.O.B: June 1973 Coverage: Me, wife & 3 kids (below 12) Please pm me Thanks & Regards |
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Jul 30 2011, 12:21 PM
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Junior Member
8 posts Joined: May 2006 |
Hi, i need details and quotation as well^^thank you
DOB: 19/10/1985 |
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Aug 24 2011, 08:29 PM
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Junior Member
187 posts Joined: Jan 2008 |
Hi i need quotation
DOB: 1988 job: Engineer Smoker: No Pls pm me... TQ |
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Sep 13 2011, 11:44 AM
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Newbie
0 posts Joined: Sep 2010 |
hi Nick,
i interested to know more about AXA AFFIN LIFE INSURANCE. did u have any plan or package than can cover for whole family (me,mum,dad,youngest bro & youngest sister).. can u PM me more about this including benefits,premium per year and so on and send me a copy to my email also (dzul_z8lea62@yahoo.com) thanks This post has been edited by vaneesa: Sep 13 2011, 11:46 AM |
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Oct 15 2011, 02:46 PM
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Junior Member
206 posts Joined: Jan 2003 |
Pls pm me the Quotation for the details below:
DOB: May/1953(Female) Non smoker & housewife. No pre existing illness |
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Oct 26 2011, 09:21 PM
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Junior Member
5 posts Joined: May 2010 |
hi, pls send me quotation for ;
* 5-8-1977, male smoker, business * 31-01-2010, baby boy |
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Nov 17 2011, 02:20 AM
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Junior Member
17 posts Joined: Jun 2010 From: Kuala Lumpur |
[quote=Brother Nick,May 5 2010, 11:19 AM]For our medical card, we will cover. We don't exclude the illness which be claim on previous year. There's a clause which stated clearly in our contract.
For new entry, we don't cover pre-existing illness. [/quote How many times can claim for the same illness, eg: heart attack in year 2010 & claimed, but in year 2011 happen again, still can claim? Will AXA terminate the policy? This post has been edited by khhong88: Nov 17 2011, 02:23 AM |
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Nov 18 2011, 09:55 AM
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Newbie
0 posts Joined: Nov 2011 |
Hi, Send me a Quotation Pls
Not Smoking male 41 year female 32 year 2 kids below 12 and let me know the list of panel pls thank you^^ This post has been edited by ivylaw: Nov 18 2011, 10:09 AM |
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Nov 19 2011, 06:39 PM
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Junior Member
15 posts Joined: Jul 2006 |
april 1985
social smoker assistance producer (post production) |
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Jan 10 2012, 03:58 PM
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Senior Member
892 posts Joined: Oct 2007 From: Penang |
Bro Nick, PM me the details.
6 September 1988 Non-smoker Design engineer |
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Jan 19 2012, 10:39 PM
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Junior Member
198 posts Joined: Nov 2011 |
i wonder if he still selling, no reply
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Jan 29 2012, 06:10 PM
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Newbie
1 posts Joined: Jan 2012 |
Those who are interested to know about Medical Card, you can also compare plan by Great Eastern Takaful
![]() ![]() Further Info on this product, you can log-in to Medical Card web page at http://rahsiakewangan.com/medical-card/ thank you. |
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Mar 3 2012, 05:27 AM
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Newbie
0 posts Joined: Mar 2012 |
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Mar 20 2012, 02:25 PM
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13 posts Joined: Dec 2006 |
GE
Added on March 20, 2012, 2:40 pm Hi , my name is Joey and I'm from Great Eastern Life Assurance . Im providing consultancy service on individual life insurance , savings & retirement & wealth management and also company's employees' insurance package . Please do not hesitate to PM me should you are looking for a satisfying answer on insurance queries This post has been edited by joeee85: Mar 20 2012, 02:40 PM |
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Mar 28 2012, 02:37 PM
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Newbie
0 posts Joined: Apr 2011 |
QUOTE(joeee85 @ Mar 20 2012, 02:25 PM) GE PM me please with quotation.Added on March 20, 2012, 2:40 pm Hi , my name is Joey and I'm from Great Eastern Life Assurance . Im providing consultancy service on individual life insurance , savings & retirement & wealth management and also company's employees' insurance package . Please do not hesitate to PM me should you are looking for a satisfying answer on insurance queries 07 Novermber 1988 Non-smoking Male Worker. |
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Mar 28 2012, 03:20 PM
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Junior Member
246 posts Joined: Jan 2003 From: Labuan |
PM me please with quotation
26 April 1980 Non smoker Male, Assistant Manager - Finance |
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Mar 29 2012, 02:11 PM
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Junior Member
24 posts Joined: Feb 2009 |
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Apr 13 2012, 12:35 PM
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Junior Member
142 posts Joined: Jul 2005 From: Bangi, Cyberjaya, Damansara, Singapore |
Greetings,
Any agents here? i just wanna ask.. which company offers a cashless mcard? thank you |
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Jul 16 2012, 04:06 PM
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Junior Member
4 posts Joined: Apr 2012 |
PM me please with quotation
27 Oct 1985 Non smoker Officer |
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Jul 18 2012, 04:19 PM
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Newbie
0 posts Joined: Jul 2012 |
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Jul 26 2012, 09:12 PM
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Senior Member
2,173 posts Joined: Jan 2012 From: Butterworth, Penang |
Do PM me if you need quotes too :-)
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Sep 14 2012, 03:37 PM
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Junior Member
13 posts Joined: Aug 2006 |
Hi bro, can you pls send me a quote as well....for medical card only@
reiayanami580@gmail.com 3/10/1988 Non-Smoker Engineer Tq. * |
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Sep 16 2012, 11:32 PM
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Junior Member
327 posts Joined: Jun 2010 |
Pm me full detail too bro...mthly payment, panel hosp, all detail is needed.. 1986 / non-smoker / banking sector Thx bro.
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Oct 10 2012, 01:03 PM
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Junior Member
187 posts Joined: Jan 2008 |
Hi there, can i ask, if i have one medical card, and i buy this medical card from you. One day i got heart card and admited, can i claim this illness from both medical card??? what is the highlights that i need to concern if i got two medical card. For female, do this card cover other special illness like cervical cancer? PM me for quotation, 1987, male, non smoker...
thank you |
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Oct 10 2012, 01:28 PM
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Senior Member
2,173 posts Joined: Jan 2012 From: Butterworth, Penang |
QUOTE(winfai @ Oct 10 2012, 01:03 PM) Hi there, can i ask, if i have one medical card, and i buy this medical card from you. One day i got heart card and admited, can i claim this illness from both medical card??? what is the highlights that i need to concern if i got two medical card. For female, do this card cover other special illness like cervical cancer? PM me for quotation, 1987, male, non smoker... Its beeen ages since anyone asked questions on insurance and I am mighty glad you did! thank you In terms of medical claims you can only claim up to the maximum amount of the bill no matter how many medical card you may have. For example if the bill was RM 100k and the maximum annual limit from card A that you can claim is RM 60K, you can claim another RM40K from the second card. However, if the bill was RM100K, you cant claim RM200K (even if you have 2 cards with Rm100k limit each). Its like your credit card, more may give you higher purchase in case one is maxed but then again comes the issue of maintening it. Female care benefit are mostly separate plan or rider that covers early staging etc. Most of them pays certain percentage upon diagnosis eg 30% of the sum insured. Mind pm me your email address and occupation for me to sent to you the quotes and brochures. We cant sent quotes in LYN. This post has been edited by roystevenung: Oct 10 2012, 01:29 PM |
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Nov 1 2012, 12:54 PM
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Newbie
0 posts Joined: Nov 2012 |
hi is there any agent here? i would like to buy medical card but i m not sure if the person with the age of 70 can get a medical card?
i heard that ing offer prime mediplus rider that the maximum entry age is 70. is it true? thanks |
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Nov 7 2012, 03:17 PM
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Newbie
0 posts Joined: Nov 2012 |
not necessarily people who smoke will die quickly. those who like to eat a lot will die faster.
Kord Gitar Kapok |
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Nov 24 2012, 02:52 PM
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Senior Member
2,173 posts Joined: Jan 2012 From: Butterworth, Penang |
QUOTE(kierinz @ Nov 7 2012, 03:17 PM) not necessarily people who smoke will die quickly. those who like to eat a lot will die faster. Life is so fragile not necessary die from over consumption of foods.... thats why need to plan for the unfortunate happens...Kord Gitar Kapok |
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Dec 19 2012, 08:51 AM
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Junior Member
154 posts Joined: Apr 2010 |
QUOTE(crowgoat @ Nov 1 2012, 12:54 PM) hi is there any agent here? i would like to buy medical card but i m not sure if the person with the age of 70 can get a medical card? Hello there, have you got the answer for this? Hope you can share as I'm checking for my father as well.i heard that ing offer prime mediplus rider that the maximum entry age is 70. is it true? thanks |
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Dec 26 2012, 01:14 PM
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Newbie
0 posts Joined: Dec 2012 From: USJ Taipan |
FOR FREE QUOTATION FEEL FREE TO LOG HERE www.bestmedicalcard.org AND FILL IN THE FORM.
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Dec 30 2012, 01:13 AM
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Junior Member
149 posts Joined: May 2009 From: KL, PJ |
QUOTE(crowgoat @ Nov 1 2012, 12:54 PM) hi is there any agent here? i would like to buy medical card but i m not sure if the person with the age of 70 can get a medical card? ING agent here. Max entry age is 69, renewable up to age 85.i heard that ing offer prime mediplus rider that the maximum entry age is 70. is it true? thanks For more info, you can send your enquiry to CheahYang_0@hotmail.com |
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Jan 22 2013, 12:37 AM
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Senior Member
1,275 posts Joined: Jan 2009 |
Hi. Can you please pm the insurance details - price, benefits etc for six month old bb boy. Thanks
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Jan 29 2013, 02:35 PM
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Junior Member
147 posts Joined: Oct 2012 From: KL/Klang Valley |
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Jan 31 2013, 01:12 PM
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Junior Member
9 posts Joined: Aug 2010 |
QUOTE(joseph8 @ Jan 29 2013, 02:35 PM) I supposed you mean cashless admission? Creating Awareness & Warnings not to be Ignored when purchasing a Medical Card Insurance Plan!Most companies nowadays offer cashless medical card for hassle free admission. Do you know that nearly 90% of Malaysians are clueless on the types of policies they have bought over the years. They have been paying for the policies with assumption that it will pay them in full no matter what their claims are without understanding the underlying limitations! And most of them not even know what are they paying for. Common reason of Malaysian buying policies is mainly because the agent is their friends, family etc. and some even bought the policy based on the branding and marketing "claims" that it's the No.1 insurance company in Malaysia. Please be noted that branding of the insurance company won't help you at all! What matters the most is in your policy documents! Most people won't even bother to read the term and condition clearly but just blindly listen to the agent! Different medical plans in Malaysia have different limitation! There's no such thing as all medical insurance are the same!! If you already have policies, please get them reviewed and I promise you will get the shock of your life!!! Make a choice to understand the limitations of your policies before its too late! Don't just sit and get quotation thru email for comparison in premium cost and investment return but sit down with financial advisor who can help you and assist you in choosing the best medical plan based on your needs, budget and how to avoid costly mistakes. The most crucial aspect of claiming is what documented in your policy document, you need to understand the fine prints, black and white! You need to know how to avoid and save yourself from burning ship before its too late! Because health changes overnight!!! An experienced agent would have done many hospitalisation claims for his/her clients over the years. Through the experience, one can tell what it gonna work for you & what can be the biggest financial cost of your life!! If you have a choice to choose: 1. Which one is the smarter choice? A) Company A pays 90% of your Medical Bills- 10% Co Insurance borne by policy holder B) Company B pays 100% of your Medical Bills fully 2) Are you aware of the difference between Inpatient Hospitalization & Outpatient Treatment in your policy? Why is it separated in your Medical Schedule of Benefits? 3) What are the limitations in your policy Vs the Actual Cost of Hospital Bills in Malaysia Actuaries are highly trained individuals with such intelligence to determine the risk factor before getting a plan approved by Bank Negara. Do not just take the word of an agent verbally, but always look at the fine prints black&white, and the Cost of Insurance chart in the policy documents- understand the pros and cons clearly before you make any Costly Mistakes especially during Hospital Claim! **Please take note- this is mainly to create awareness for malaysians to Make A Smart decision before its too late!! Do contact me if u need in depth understanding in helping you make that WISE decision before purchasing a medical policy. No obligation at all! You don't wanna miss this opportunity! You'll be amazed,Yes! Thanking you. Jas James Senior Insurance Consultant 12 years of Professional Experience in Insurance Industry 012-2231841 |
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Feb 1 2013, 11:12 PM
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Junior Member
13 posts Joined: Feb 2013 |
Apart than 10% co-insurance and limit of inpatient, outpatient treatment (cancer/kidney dialysis),
Perhaps shall look into the co-payment/exceed room & board, cost of insurance and total lifetime limit? In fact some may even put into account of blacklisted doctor of the particular insurer, home nursing care and emergency accident outpatient treatment Kindly correct me if I'm wrong Pai seh :-) QUOTE(jazzzy @ Jan 31 2013, 01:12 PM) Creating Awareness & Warnings not to be Ignored when purchasing a Medical Card Insurance Plan! This post has been edited by this_is_it: Feb 1 2013, 11:20 PMDo you know that nearly 90% of Malaysians are clueless on the types of policies they have bought over the years. They have been paying for the policies with assumption that it will pay them in full no matter what their claims are without understanding the underlying limitations! And most of them not even know what are they paying for. Common reason of Malaysian buying policies is mainly because the agent is their friends, family etc. and some even bought the policy based on the branding and marketing "claims" that it's the No.1 insurance company in Malaysia. Please be noted that branding of the insurance company won't help you at all! What matters the most is in your policy documents! Most people won't even bother to read the term and condition clearly but just blindly listen to the agent! Different medical plans in Malaysia have different limitation! There's no such thing as all medical insurance are the same!! If you already have policies, please get them reviewed and I promise you will get the shock of your life!!! Make a choice to understand the limitations of your policies before its too late! Don't just sit and get quotation thru email for comparison in premium cost and investment return but sit down with financial advisor who can help you and assist you in choosing the best medical plan based on your needs, budget and how to avoid costly mistakes. The most crucial aspect of claiming is what documented in your policy document, you need to understand the fine prints, black and white! You need to know how to avoid and save yourself from burning ship before its too late! Because health changes overnight!!! An experienced agent would have done many hospitalisation claims for his/her clients over the years. Through the experience, one can tell what it gonna work for you & what can be the biggest financial cost of your life!! If you have a choice to choose: 1. Which one is the smarter choice? A) Company A pays 90% of your Medical Bills- 10% Co Insurance borne by policy holder B) Company B pays 100% of your Medical Bills fully 2) Are you aware of the difference between Inpatient Hospitalization & Outpatient Treatment in your policy? Why is it separated in your Medical Schedule of Benefits? 3) What are the limitations in your policy Vs the Actual Cost of Hospital Bills in Malaysia Actuaries are highly trained individuals with such intelligence to determine the risk factor before getting a plan approved by Bank Negara. Do not just take the word of an agent verbally, but always look at the fine prints black&white, and the Cost of Insurance chart in the policy documents- understand the pros and cons clearly before you make any Costly Mistakes especially during Hospital Claim! **Please take note- this is mainly to create awareness for malaysians to Make A Smart decision before its too late!! Do contact me if u need in depth understanding in helping you make that WISE decision before purchasing a medical policy. No obligation at all! You don't wanna miss this opportunity! You'll be amazed,Yes! Thanking you. Jas James Senior Insurance Consultant 12 years of Professional Experience in Insurance Industry 012-2231841 |
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Feb 7 2013, 02:58 PM
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Junior Member
147 posts Joined: Oct 2012 From: KL/Klang Valley |
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Feb 21 2013, 05:51 PM
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Senior Member
670 posts Joined: Aug 2005 |
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Mar 5 2013, 06:23 PM
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Newbie
0 posts Joined: Mar 2013 |
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Mar 9 2013, 04:14 PM
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Junior Member
165 posts Joined: Jun 2007 From: Penang |
hi,
send me quotation Not Smoking not drinking alcohol male 24 years old ( march 1989) budget =RM200 |
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Mar 10 2013, 11:03 PM
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Newbie
0 posts Joined: Mar 2013 |
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Mar 11 2013, 04:34 PM
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Senior Member
2,173 posts Joined: Jan 2012 From: Butterworth, Penang |
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Mar 13 2013, 09:25 PM
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Newbie
1 posts Joined: Mar 2013 |
I am interested in AXA SCO R&B 180.
Any agent there please pm me =) |
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Apr 8 2013, 04:53 PM
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Senior Member
670 posts Joined: Aug 2005 |
QUOTE(kcleekk @ Mar 30 2013, 06:07 PM) To all insurance agent master, you got mail . . . but to clarify againGood day to you first of all:) Could u pls send your most competitive quotation/low premium - MEDICAL CARD, plus any medical card that have investment link on behalf of my father, DOB: 23/07/1947 He had blood hypertension and mild diabetes. Thank you very much. I can be reach at kcleekk@yahoo.com Rgds, Jeff Lee 0165553860 from my experience, diabetes patient cant buy medical coverage |
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Apr 23 2013, 04:06 PM
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Newbie
0 posts Joined: Oct 2011 |
Hi all,
I am looking for medical insurances for Hospitalization & Surgical as well as 36 critical illnesses. Preferably, guaranteed yearly renewal and no co-insurance. DOB: December 1986 Sex: Female Non-smoking Occupation: Engineer Please send me quotation at sheera86@gmail.com Thank you. |
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Mar 6 2014, 08:20 PM
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Junior Member
77 posts Joined: May 2006 |
QUOTE(winfai @ Oct 10 2012, 01:03 PM) Hi there, can i ask, if i have one medical card, and i buy this medical card from you. One day i got heart card and admited, can i claim this illness from both medical card??? what is the highlights that i need to concern if i got two medical card. For female, do this card cover other special illness like cervical cancer? PM me for quotation, 1987, male, non smoker... If you have 2 medical cars, you cannot claim illness from both cards. You got to choose 1 card only for 1 type of sickness/claim. Advantage of having more than 1 MC is in case claim exceed annual limit of 1st card, you may prompt to use the 2nd card to cover the remaining claim.thank you As for life insurance, you can get benefit from both of cards. TPD and illness claim, only from 1 card. |
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Jun 19 2014, 05:16 PM
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Newbie
0 posts Joined: Jun 2014 |
I would like to seek opinion.
I have 2 medical cards now. 1 is from Prudential and the other 1 is from Great Eastern. I would like to cancel 1 of the cards but not sure which one to cancel as both cards have the advantages and disadvantages as followings: [ 1. Pay 100% of the bills Prudential - Disadvantage1. There are exclusion clauses on my previous illnesses Great Eastern - Advantage 1. No exclusion clause Great Eastern - Disadvantage 1. It is co-takaful, hence I need to pay some small portion (max RM1000) everytime I use the card. The coverage is about the same for both cards. I have used Prudential Medical Card many years ago and had no problem in making claims. Although there is no exclusion clause in Great Eastern Medical Card, I am worry if I would encounter any problem in making claims in future. I would appreciate if very much if someone knowledgeable out there could give me a good advice on which card to keep. Thank you so much in advance. |
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Aug 18 2014, 11:23 PM
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Newbie
0 posts Joined: Aug 2014 |
am 44 years old
tpd illness claim non smoker focus into medical coverage instead of investment link. appreciate can pm any agent from AIA, GE, Prudential etc thanks This post has been edited by cruising88: Aug 18 2014, 11:24 PM |
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Jan 26 2015, 05:18 PM
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Junior Member
9 posts Joined: Aug 2010 |
HOW TO AVOID MAKING MAJOR FINANCIAL MISTAKES WHEN BUYING AN INSURANCE & MEDICAL POLICY!!!!
HOW TO INCREASE YOUR LIFE INSURANCE & MEDICAL COVERAGE WITHOUT INCREASING YOUR BUDGET/PREMIUM? Many Malaysians go to work daily with many concerns in their mind. The most crucial fear is "what if an accident or critical illness strikes..... What if I loose my income?" 1) Housing Loans / Car Loans / Debts ??? Do I have enough insurance coverage to settle off my outstanding housing loans if I am diagnosed with critical illness? Does my MRTA policy which only covers Death/TPD settles off my housing loans if I am diagnosed with critical illness? 2) Do I have enough money for my kids's education fund if I loose my income due to illness? 3) How is my spouse going to pay off all my outstanding mortgage loans, car loans, debts and monthly living expenses ? 2) INCREASING MEDICAL COST? How Much Is Enough?? Currently, Malaysians will need a minimum of RM300,000 annually for medical cost if diagnosed with critical illness. Medical cost in private hospitals will keep increasing in an alarmingly rate for the next few years!!! Critical time bomb issues to look out for...... How much is my Annual Limit with my Company's & personal medical insurance? Do I have to pay with my own money if it exceeds the Annual Limit? Do I have to pay any Co-insurance? Will my medical bills be paid in full by my company's medical insurance? Will my insurance company pay for all my Take Home Drugs for Out-patient Cancer Treatment? How can I find solutions to all the concerns above without increasing my budget? Call me at 012-223 1841 or email at jazzz_jj@yahoo.co.uk to set an appointment. I'll do a review of all your existing policies and to improve on it without increasing your budget. Jazz James 012-223 1841 Senior Insurance Advisor ( 14 years experience in the insurance industry ) JZ WEALTH SERVICES |
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Mar 13 2015, 03:02 PM
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Newbie
0 posts Joined: Mar 2015 |
QUOTE(MM72 @ Jun 19 2014, 05:16 PM) I would like to seek opinion. Canceling a policy is not encourage at all, what you can do is combine they all in one policy, this is much more safe and save for you.I have 2 medical cards now. 1 is from Prudential and the other 1 is from Great Eastern. I would like to cancel 1 of the cards but not sure which one to cancel as both cards have the advantages and disadvantages as followings: [ 1. Pay 100% of the bills Prudential - Disadvantage1. There are exclusion clauses on my previous illnesses Great Eastern - Advantage 1. No exclusion clause Great Eastern - Disadvantage 1. It is co-takaful, hence I need to pay some small portion (max RM1000) everytime I use the card. The coverage is about the same for both cards. I have used Prudential Medical Card many years ago and had no problem in making claims. Although there is no exclusion clause in Great Eastern Medical Card, I am worry if I would encounter any problem in making claims in future. I would appreciate if very much if someone knowledgeable out there could give me a good advice on which card to keep. Thank you so much in advance. |
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Mar 13 2015, 03:23 PM
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Newbie
0 posts Joined: Mar 2015 |
ZERO Co-Insurance Medical Card That Pays Your Medical Charges In FULL with only RM150.00 per Month Only!
Why Sign-Up With A-Plus Med Medical Card? Reason 1 - High annual limit of AT LEAST RM 1.1 MILLION Reason 2 - NO LIFETIME CLAIM LIMIT Reason 3 - ZERO CO-INSURANCE Reason 4 - LIFETIME COVERAGE up to age of 100 Reason 5 - Hassle Free Admission with just a SWIPE Reason 6 - HOSPITALIZATION DAILY INCOME OF RM 200.00 UP TO 1,000 DAYS FOR ANY ONE DISABILITY Reason 7 - Covers Dental Treatment Causes By Accident Start to get PROTECTED From As Low As RM150.00 per Month. Sign-Up below and our friendly financial advisers will keep in touch with you soon for an appointment for further action to get you started! |
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Jun 18 2015, 01:00 AM
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Junior Member
9 posts Joined: Aug 2010 |
How to make a wise choice when buying a Medical Insurance Plan in Malaysia & Singapore.....
As of recent years, we have been hearing insurance agents promote extensively about the "No Life Time Limit " Medical Plan. Many get excited with this buzz without understanding the main financial headache that policy holders are gonna face when they are diagnosed with major critical illness. Now, question....... 1) Does the No Lifetime Limit medical plan has an Annual Limit? --- If the medical plan has an Annual Limit of RM50k p.a, what happens if policy holder is diagnosed with a major medical condition and the medical bill cost him about RM150k within that year? -----Will his insurance company pay RM150k or just RM50k according to his Annual Limit? ------Can the policy holder claim from his No Lifetime Limit Medical Fund to pay the balance outstanding bill of RM100k within that year? 2) What is not covered in your Outpatient Cancer Treatment? Are you aware that there is a crucial clause in most of the policy contract that states that chemotherapy and radiotherapy is covered BUT ........ "EXCLUDED" TAKE HOME DRUGS, DIAGNOSTIC TEST and CONSULTATION?? Medication for cancer treatment as of 2014, can cost nearly RM5k per month! If this medications which is the "Take Home Drugs" excluded meaning not claimable, this can cause a major financial burden for the entire family as most cancer patients are dependable on this life long medications! Therefore, before deciding to buy a medical insurance plan, I will highly suggest that you make an effort to sit down and understand the crucial wordings on the proposal policy contract. And For those who have already purchased medical policies for you and family which you have taken many years ago, its high time that you make time to review those policy contract and the clauses before any changes to your medical condition. Many policy holders have been caught off guard when they make major medical claims and discover that they have to end up paying much more!!!! Another important point to take note, do make sure that your medical plan covers your coverage for medical treatment in Singapore through out the year according the reasonable medical rate in Singapore!!!!! Make sure there is no 90 days limit because majority of medical plans in Malaysia only covers Singapore within 90days and reimburse according to the standard Medical rate in Malaysia. My intention is to create awareness to our fellow Malaysians as they deserve to know their rights as policy holders in understanding their policy contract better so that none get caught in financial shock due to major unforeseen medical claims! I've been in the Insurance industry for 14 years now and have been helping my clients to handle major claims successfully thus also warning other policy holders of the crucial clauses before it's too late. Feel free to contact me if you need more details pertaining to this matters. I am more than glad to help you understand your policies better and avoid major financial mistake before it's too late. Thanking you. Cheers, Jazz James Senior Financial & Insurance Advisor with 14 years of experience Mobile 012.223 1841 Email: jazzz_jj@yahoo.co.uk |
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Nov 13 2015, 03:06 PM
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Junior Member
685 posts Joined: Jul 2012 From: Kuala Lumpur |
I'm Leewah from Great Eastern. Do call me if you need any Insurance coverage or join me @ agent
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Nov 19 2015, 10:24 AM
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Senior Member
6,933 posts Joined: Jun 2010 From: Today, 00:00 AM |
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Apr 30 2017, 06:01 PM
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Junior Member
362 posts Joined: Oct 2007 From: Penang |
Any aganet from.penang? Recently look for medical card
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Apr 30 2017, 06:02 PM
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Junior Member
362 posts Joined: Oct 2007 From: Penang |
Any aganet from.penang? Recently look for medical card
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