I plan to change my medic card aia to hong leong msig
Hlmsig the benefit is premium is fixed..also coverage higher per year...only cover until age 70 compare aia till 100
As i know the challenge for medic card when to get GL.

So far review aia very good.
Anybody experienced using hlmsig?

I plan to change my medic card aia to hong leong msig
Hlmsig the benefit is premium is fixed..also coverage higher per year...only cover until age 70 compare aia till 100
As i know the challenge for medic card when to get GL.

So far review aia very good.
Anybody experienced using hlmsig?

Medical Card policies premium are never really "fixed" as there are bound to be repricing in between the years.

During this pandemic period really had me looking back into my current medical card policy. The coverage is only valid up to the age of 70 years old. Is it worth it to raise the age coverage beyond 70 as it is quite costly?

During this pandemic period really had me looking back into my current medical card policy. The coverage is only valid up to the age of 70 years old. Is it worth it to raise the age coverage beyond 70 as it is quite costly?

The rate of a person to get diseases are much higher >age 70 thus the reason why insurance company price it higher because you'll likely to make claims. It's recommended to have it somewhere up to age 80 as the current Malaysian age averages out around age 73 - 78.

During this pandemic period really had me looking back into my current medical card policy. The coverage is only valid up to the age of 70 years old. Is it worth it to raise the age coverage beyond 70 as it is quite costly?

During this pandemic period really had me looking back into my current medical card policy. The coverage is only valid up to the age of 70 years old. Is it worth it to raise the age coverage beyond 70 as it is quite costly?

It is a decision between steady payments and a potential giant shock.

Which would you prefer?

You have a valid point there...

I just wish to help people get out of the conundrum of "is it worth it?"

From a risk management perspective, the real questions are:
"what is the potential impact of this risk if left unplugged?"
"can we afford to risk it?"

If we can afford to risk it, then sure, roll that dice.

If we can't afford to risk it, then how can we manage it?
- how can we minimize the risk?
- how can we prevent it?
- if all else fails, how can we transfer it?

In its essence, insurance is a risk transfer tool.

Guys, im having a problem whereby i don't who to be blame rite now?

on the 26 Oct, im having a health problem, which  is chest pain n cold sweating during sleep, so the next morning my wife suggest go to hospital to get a treatment/checkup.

so i went to ampang puteri hospital emergency, first the brought me to ECG (to check heart rate), after that i met the cardiology specialist, n during checking the doctor still dont know the cause

of chest pain, and mention to me to go through all test. so i say ok n give my medical card which is under MCIS Zurich n according to the doctor i need to stay in hospital (warded) upon checking)

n i have run all test including blood test, glucose test, CTA scanner, treadmils, xray etc.

so all went normally n i stay for 3 days 2 night at the hospital. and the result was ormal, nothing wrong with my chech.

during my discharge, total charge is around 4.5k++,  n what was shocked is the insurance did not cover all the expenses, the reason is i was normal.nothing wrong with my bodies and asked me to pay all.

and im saying why i gonna pay? thats why i take medical card, to cover all the expenses. n according to the hospital, the insurance did not cover because im ok after the test!

what im not satisfied here?during the first procedure/registration normally, the hospital must call the insurance company for the checking whter can claim or not. but why after run all the test, the told me not cover

and still now, i just run back still not paid anything.im gonna report this to tribunal.

i need a solution/pendapt from u guys, what can i do now. 4.5k??i can pay , but not easily just give the money.

A lot of time doctors and hospital just want to rip you off. I once had a stochmache discomfort. Went to this Hospital KPJ. The doctor there got title "Datuk". Wants to admit me and do all sort of test. I said hold on and he said "You have Medical Insurance right?". Just because I have insurance doesnt mean I will let you rip me off. In the end, I refuse to be admitted and just take the medicine for acid reflux. One tablet kaw Tim. Jilaka penipu Datuk.