Hai Guys,

AXA-Affin Medical card looks good compare to other medical cards in town. Care to share the advantages and disadvantages of the card?

Thanks

since you said 'looks good compare to other....', why not sharing with us what goods do they have?

Sure no problem. Below are the advantages:

No Lifetime Limit
It means that the card doesn’t impose any limit on how much or how many claims can be made in your lifetime. Not like other medical card, which has a lifetime limit of 3 to 5 times of your annual limit.

No Co – Insurance

There is No Co-Insurance/Takaful impose on this medical card. Meaning you don’t have to share up to 10% of the total medical bill with your insurance provider.

Guaranteed Renewal
This medical card is guaranteed renewal until aged 80 years old regardless of how many claims been made in previous year. Hence, provide peace of mind to the client. On top of that, no loading or increase in premium due to your health conditions and claim record.

Wide Coverage
The card is widely accepted in more than 88 panel hospital nationwide. Therefore, you don’t need to worry as the card is highly recognize and acceptable in major private hospital.

Affordable Premium

Surprisingly, with the highest coverage and the best deal that this medical card has to offer, we found that this plan is relatively affordable or cheaper than others. More value to our ringgit isn’t it?

Please comment.

Thanks

great, then I can then share you what points that I found which you may not aware abt them:
- 20% co-insurance if you upgrade a room type that exceeds your plan
- extremely low out-patient claims, both pre-and-post;
- very low lifetime limit on Cancer and Kidney Dialysis;
- per-disability claim method. Meaning, for the same type of illness you will not be entitled to claim the second consecutive time within 90 days period.
- Renewable up to 80, provided you are already holding this policy since 59th birthday...

But the policy has high package with low installments like Gold and Platinum scheme. Why we need to upgrade a room?

For both this package, cancer claim is RM40K and RM60K per annum.

Please advice.

Thanks

is it enuff for only 40, 60k for cancer?

sorry, i am not updated abt their Gold/Plat scheme, what is it actually?

Upgrade Room : Imagine you are hospitalized in an emergency situation, you have purchased a room/board plan RM180.. Somehow the only room available cost you 250 a day... This is consider 'Room upgrade''

Cancer, dialysis in Axa is a Lifetime limit, not Annual. Unless they have upgraded their offer lately!

So you guys are saying this medical plan is not good since the cancer coverage is low? How many percent are there for us to get cancer? Very hogh or low? In terms of other option besides cancer, i think AXA Affine is good enough. Moreover you can always opt to get admitted in other hospitals if the daily room charges are more right?

its good if you take an additional policy to cover the shortcomings.

the key here is 'emergency' -- and when you are not in a condition to even move around...

As to the chances of cancer/kidney failure, it is all down to your individual priority. No one can tell you whether this suits you or not.

PJUsa has previously suggested to take this AXA(becoz of no lifetime limit), and to top it up with Tokio Marine's (with Cancer 'As Charge) as a top-up-plan.

So what are you saying is to take additional medical plan with another insurance company to cover for Cancer right? What about ING? You can use the whole coverage to cover cancer i believe.

again...give yourself a clear requirements ie. do you need to worry about cancer/kidney sicknesses based on your lifestyle, family background etc.. There is really no fast and hard rule in finding the right one i think...

ING - if you are talking abt I.Maxcare - watch out for their non-guaranteed renewal clause.

this one you better check again.

taken off their website:

"There is no selective Renewal Loading or Exclusion on individual if claim is made during previous year."

essentially guaranteed renewal is also useless if they can impose loading, and you will get loaded if you make a claim for your current year and try to renew for next year. only previous year claims are excluded that has already been loaded when you renew on the previous year.

a little confusing, i'll provide an example.

ex: if your policy runs from March 2011 to March 2012, if you make a claim during this period then it is considered a claim made in the current year. so when it's close to time of renewal, say Feb 2012, they will say you made a claim in your current year and has the right to impose loading upon you.

so that clause there means they can load you when you make a claim.

This post has been edited by rockets: Mar 22 2011, 04:05 PM

This clause is made on AXA Affin medical card plan? ING Imax Care is not guaranteed renewal ah?

now..that is very picky.. lol , but a good one for TS to find out. But as a general clause, I have never seen any clauses that says current year claims will be taken into consideration when it comes to renewal... Policy expires is always one year after the effective date. Renewal shall be paid within 30 days thereafter... hence, the claim made in between 03/2011 - 03/2012 is always considered to be previous year IMO.

yes, for their Smartcare Optimum standalone medical insurance. is this the one you're looking at?

Taking AXA Affin medical card is a good choice or a bad one? The premium looks affordable.

Please advice.

So far i've only seen something like that from AXA, most newer plans never mention anything about loading anymore. Having loading defeats the entire purpose of having an insurance. They can make policy wide premium changes but never based on individual claims.

If it's really like what you said it is, why did they put that clause there at all? Something like "No loading will be imposed based on claims." would be so much more convincing.

Anyone has any proof to claim that AXA Affin indicated that portion in their policy?

http://www.axa.com.my/132/en/Health-Insura...artCare-Optimum

click on the FAQ.