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.

I do not think the insurer would want to play such a trick to be honest. But you may write them to get clarification.

Anyhow, from AXA policy wording this is what I understood and hence I stand on the fact that this policy has no loading based on previous claim experience , no matter current policy year or previous policy year.

Extracts :
6. Period of Cover and Renewal
This Policy shall become effective as of the date stated in the
Schedule. The Policy Anniversary shall be one (1) year after the
effective date and annually thereafter. On each such anniversary,
this Policy is renewable at the premium rates in effect at that time
and any change in the renewal premium shall be notified by writing
at least thirty (30) days before change is effected. It shall not be
incumbent on the Company to give notice that any premium for
renewal is due and such premium shall be deemed to be due date
on which the Policy expires and must be paid within thirty (30) days
thereafter. However, during such thirty (30) days the Company shall
remain liable thereunder if by the last of such days the premium is
actually paid unless the Company or the Insured Person shall have
given notice that the Insurance would not be renewed.

This Policy will be renewable at the option of Policyholder subject to
the terms, conditions and termination at each of the anniversary of
the Policy date. The renewal premiums payable will increase with
age and is not guaranteed. The Company reserves the right to revise
the premium rate applicable at the time of renewal. Such changes, if
any shall be applicable to all Policyholders irrespective of their claim
experience according to the Company’s risk assessment.

That is applicable for Smartcare policy? What about Medical Care Rider? it is totally different right?

that bolded part they are refering to the policy wide premium changes. it never said anything about individual loading.

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Added on March 22, 2011, 4:44 pmit should be different, thought i'm not 100% positive. you'll have to buy their life insurance to qualify for that rider medical.

This post has been edited by rockets: Mar 22 2011, 04:44 PM

when they decide to load you, that means it is a change in premium. And I could always argue that your premium rate changes shall not refer back to my claim experience.. Anyway best is to get a B&W from Axa, not down to me to make assumption i suppose.

i agree, we're just pretty much guessing here. i'm just very careful about insurance companies because i've seen many cases of claims and renewal gone bad because of some little words in the B&W which they can use against you.

compare with GE medical card, which is better ? i know GE medical card is expensive, but AXA Affin is still new in the market

you guys are overinterpreting. the FAQ is just a FAQ and not legally binding. the policy wording is.
AXA SCO has no individual loading. no matter if you claim 500k last year or 0 RM.

renewal is guaranteed once they accept you. i.e. while you choose to renew they cant refuse you. also they cant charge extra. a lot of other companies actually reserve the right to to either load or refuse renewal (for example MSIG). so one has to be carefull. you can probably get a statement from AXA underwriting if you so wish which states the above. call CS and ask for it but there really is little need for it since the policy wording is pretty clear on this.

of course each and everyone should always read every little word and make sure they understand all the conditions and the fine print. sadly many agents are of little help with those things (many have very little understanding of them themself at least the ones i had the pleasure talking too...)

you need to be clear about the problems of the policy you take and see if there are options to overcome them.

personally the AXA & TM combo (both max plans) gives you the most extensive coverage in the market while charging very competive premiums.

if money is of little relevance i suggest you explore either lighthouse asia or allianz worldwide care. those are far more extensive plans which will pay no questions asked. i have been with allianz worldwide care for almost 10 years with some significant claims for pregnancy (post & antenatal) and ceasarian for my wife and never had any issues. they actually tried to pay the caesarian twice
for those among you with foreign links there are options to get european insurance plans from germany and france that will cover you head-to-toe (including specs, teeth, health checks, pychotherapy, home nursing and whatnot) with limits and truely limitless (no annual, per sickness or lifetime limit) but you will have to prepared to bleed badly. a truely limitless head-to-toe inpatient & outpatient policy will set you back around 800 RM per month (!) when your around 25 and it wil easily be around 3000 RM ++ monthly when you are 65 [i cant afford that!].

So can we conclude that even though AXA Affin is new in the market but the privileges are different from other medical card in town. I believe it is a proper medical card as well as there is no limitation to the annual coverage (except for cancer and dialysis).

AXA is a huge general insurance player with a european background. SCO is sold across SEA (singapore, hongkong and some other places) and i would very assume they did their homework. from all the insurances in the market their 500k p.a. cover in combination with a touch up plan to cover possible spikes, OP cancer and dialysis it is (in my book) the best option in the market considering long run costs of insurance (i.e. from 25 to age 80). H&S is afterall not a one shot thing but a longterm affair.

Taking a AXA Affin 500K plan wand for cancer and dialysis treatment what other option should i look for? What other insurance package?

Please advice.

Thanks

umapathy,

i like the axa plan because it has very few restrictions (i.e. very wide coverage of cancers etc.). all you need is to have a burstable cover in case AXA is not sufficient. there are some top-up plans around in the market (i.e. plans with a high deductable i.e. 10 or 20k) that way you can insure the shortcomings of the plan. i liked Tokio Marine's plan best (despite the fact that I am not content with their CS). You can venture around the available plans and single out the one that suits you best. you can look into RHB Medisure (with deductable up to 20k = save up to 60% premiums), TM Medic Plus, Pacific medi-major, Berjaya B.Health Major, Allianz EB MediShield Plus, you could even use AXA SCO with deductable option as burstable insurance and choose another one as the primary H&S plan. mix and match gives multiple options otherwise not available.

But one thing makes me wonder the same package if i compare with ING or Prudential or any other insurance companies, the price is higher. May I know why there are variance in prices whereas the coverage is the same. The only thing is the name.

Please advice.

Thanks

many reasons come to mind: different risk structure = different expected loss rate different costs for management, advertisement, higher internal profit rate, less strict claims handling, etc etc.

also bear in mind: covering 500k max is cheaper to cover per $-coverage than 50k since lower claims are simply more likely to occur than high claims.

AXAs policy is different from ING and PRU - look carefully. most policies are - among other reasons to prevent buyers from having an easy comparison (which would mean all buy from the cheapest provider cause cover the same). you need to figure out the differences and what they personally are worth to you - only then can you find the cheapest cover for yourself.

once again: my personal opinion is that AXA with a top-up is currently one of the best options for higher-end H&S plans.

i think part of the reason why PRU and ING are expensive is because their outpatient treatment for cancer/kidneys are As Charged.

Thanks PJUsa for the fine explanation.

What makes you think that there are high risks a lot of people would be diagnozed with cancer/kidney problem?

Is the ratio very high compare to other sickness like BP or diabetes?

no two plans are identical if their premium is far from similar... Surely there is an area where they distinguish themselves and hence demand a higher premium...

but it's better to have good cover for those, no? no matter the odds. cause if you do strike any of these it could bankrupt you and you'd just wait to die.

diabetes is actually one of the top causes for kidney failures in case you didn't know.

as for cancer, "In 2007 cancer caused about 13% of all human deaths worldwide (7.9 million)". that's from wiki.

trust me, if you want a good insurance you'd want one that has good cover these two. or you could get a top up like what PJusa did.

Agreed with your fact. Regardless of cancer and dialysis treatment, I still say that AXA Affin medical card is the best with its unique feature. Other medical cards have annual claim plus lifetime max claim but AXA Affin's medical card you can claim yearly. That is a great portion. For cancer treatment, we just have to add up from other insurance company like what PJusa said.

I believe with this combination it is the best in town.

I sincereley believe other insurance companies will follow this scheme in the future.

Moreover other insurance company medical card is expensive compare to AXA Afiin's card.

and don't forget, if you are already covered by a decent company medical plan, you may opt for deductable plan in SCO which is cheaper by a large percentage compares to a full plan.

happy shopping.

How much cheaper it gets when i apply for SCO plan?

a straight copy from their premium table sent by their CS :

Deductible Discount / Diskaun Deduktibel
Deductible Amount / Amaun Deduktibel Discount / Diskaun
RM 7,500 25%
RM10,000 30%
RM15,000 40%
RM20,000 50%

Extracts:
Deductible Option
You may choose our Deductible Option where you pay the first RM7,500, RM10,000, RM15,000 or RM20,000
of your hospitalisation bills. SmartCare Optimum will reimburse the remaining amount, up to the overall annual
limit of your plan. This option comes with a premium discount but is without the cashless admission benefit.
This option is suitable if your employer already provides you with some healthcare benefits. Please refer to our
website or your policy contract for full details of this Option.

Hello guys,

Sorry for interrupting your discussion. Just got a few question to ask:

13) Daily In-Hospital Physician’s Visit:
Reimbursement of the Reasonable and Customary Charges by a Physician for Medically Necessary visiting a in-paying patient while confined for surgical and non-surgical disability subject to a maximum of one (1) visit per day not exceeding the maximum number of days as set forth in the Schedule of Benefit.

- Is it inclusive for ICU? If not how many visit for ICU, i cant find it in policy wording.
- Is it enough for only 1 max visit per day?

14) Daily In-Hospital Specialist’s Visit:
Reimburses of fees charged by the attending Specialist for daily bedside visits to the Insured Person during non-surgical confinement in a Hospital. The Company shall pay to the Insured Person an amount equal to the Reasonable and Customary Charges made by the Specialist for visits limited to one (1) visit per day of Hospital confinement, but in no event shall the benefit exceed the maximum number of days for a Disability as set forth in the Schedule of Benefits.

- This one catch my attention but is it really necessary for visit during non-surgical when we have a surgical/surgeon benefits?
- I so far never experienced about this one, but can you guys name one of the case that we need this benefit?
- Is this cover for ICU?

Sorry if i ask to many question, just want to improve my knowledge in term of policy wording.

Thanks

To PJusa, rockets, numbertwo and other sifus,

I'm a policy holder of AXA SCO (Plan2 RM200,000)
http://www.axa.com.my/132/en/Health-Insura...artCare-Optimum

Can you please recommend a good top up plan to cover the short comings of AXA SCO ? Thank you.

This post has been edited by aeiou228: Mar 25 2011, 04:30 PM

hi aeiou228 , i think PJ has already recommended one combi ... SCO+Tokio Marine's topup plan..

yes, page 2 :

"there are some top-up plans around in the market (i.e. plans with a high deductable i.e. 10 or 20k) that way you can insure the shortcomings of the plan. i liked Tokio Marine's plan best (despite the fact that I am not content with their CS). You can venture around the available plans and single out the one that suits you best. you can look into RHB Medisure (with deductable up to 20k = save up to 60% premiums), TM Medic Plus, Pacific medi-major, Berjaya B.Health Major, Allianz EB MediShield Plus, you could even use AXA SCO with deductable option as burstable insurance and choose another one as the primary H&S plan. mix and match gives multiple options otherwise not available."

and numbertwo already said it: my personal pick right now is Tokio Marine.

What mean by Reimbursement ?

We need to pay the medical cost by our own then only claim from insurance company?

If you admit to Panel Hospital then u entitle for GL...
then would be cashless

Hi all,

I've read thru the product brochure and found out something very misleading. I think this card is non cashless as the cashless clause is only applicable to the admission deposit only! As u may read thru the whole brocure, all the clauses say reimbursement basis meaning pay 1st then claim. I may be wrong on this, but this really caused me scratching my head.

PJusa, pls clear my doubts as u r so familiar with these GI plans. Thanks

well, if you read the website the answer is there already:

What is cashless admission?
This means that you don't have to pay deposits to the hospital if you are admitted to one of the AXA panel hospitals. We will pay, provided the nature of accident or illness is covered under the policy.

detailed in the product disclosure:

Claim Procedures

All Insured Persons will be given an AXA Healthcare Card. With this card, you have access to our panel hospitals
throughout Malaysia. We will obtain the preliminary diagnosis from Medical Report completed by your attending
physician (which may take 1 to 2 hours). It is best for you to arrange such report before hospital admission for preplanned
treatment. You may be required to make personal deposit as required by the hospital’s regulations.

After validation of your preliminary diagnosis to determine that the condition requiring treatment is a covered condition
under the policy, an initial Guarantee Letter will be issued to the hospital for your admission, subject to the benefit
limits.

Upon discharge, the hospital will provide the final diagnosis and itemised bill for us to settle the valid medical bill (which
may take 1 to 2 hours). Any ineligible or excess expenses not covered are to be settled by you.

In the circumstances that your preliminary diagnosis may not be easily ascertainable or that your condition requiring
treatment may not be covered under the policy, you are advised to pay for your own treatment first and file a claim after
discharge.

Please notify us within 30 days of any occurrences for admission to non-panel hospital, outpatient treatment or any
claim which has been settled by you. Please submit the claim form, original itemised bills, receipts and other relevant
claims documents to us for processing. For non-panel hospitals, you will be compensated on reimbursement basis.

The cashless benefit applies to hospital admissions only. Pre-hospitalization, consultations, diagnostic procedures and
post-hospitalization costs are on reimbursement basis.

You cannot make multiple claims on medical expenses.

I dont know where you got the idea that the card is pay first claim later. There are cards around (would have to look who offers it) and this will usually get you a fat discount. People who have to pay the bill first tend to think twice if they really want to spend the money .

Highlighted that caught my attention. It only says don't need to pay deposit and the table of benefits all shows reimbursement clause. Just wanting to clear my doubts as cashless cards normally shows as-charged clause.

Thanks

i really dont get the point. if you get admitted without insurance you pay a deposit first say 5k. then you get the bill and pay the balance. with the card they issue GL letter like normal, you get admited, you sign the final bill, they charge the company. you only pay the stuff not covered (if any) - like extra meals or whatnot. last time my wife was admitted, i show the card in damansara specialist, the get in touch with AXA, get the GL, she was admitted already and in her room - no cash or CC swipe of any kind. when she left, we just signed the bill and AXA paid directly and in full - didnt have to pay a single sen (total bill was around 12k). so i am pretty sure its a cashless card.

Ok, if this is the case then is a card that is worth considering, provide that one need to get a top up card to get ov the windfall for the out outpatient kidney and cancer limits.

ad official answer from AXA CS :

From: MAL-AXA-Customer-Service [mailto:customer.service@axa.com.my]
Sent: Tuesday, 29 March, 2011 10:02 AM
To: ********
Subject: FW: Smartcare Ooptimum : e-Brochure & Premium table request


Dear ********,

Thank you for your email below.

We would like to inform that the renewal is guaranteed even though there is claim made on the current year.
Thank you.


Regards,
Iris

yes we already knew that, my biggest concern was whether loading would be imposed during renewal.

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

the more i read into this the more loop hole i see to it.

the bolded part, in addition to the possiblity of what it meant that i've described a few post back, it could also mean if you made a claim in year 2001, loading will not be imposed at year 2002, but year 2003 there will be loading even if you're made no claim during 2002. notice that it stated "previous year" not "years", so essentially it is a deferred loading system.

i swear that quoted clause was not there when i download their product brochure last year. PJusa might have the policy that deos not have this clause yet cause as far as i know she bought it quite a while ago?

EDIT: also this one.

Alterations
"The Company reserves the right to amend the terms and provisions
of this Policy by giving a thirty (30) day prior notice in writing by
ordinary post to the Owner’s last known address in the Company’s
records, and such amendment will be applicable from the next
renewal of this Policy. No alteration to this Policy shall be valid
unless Authorized by the Company and such approval is endorsed
thereon. The Insurer should give thirty (30) days prior written notice
to the Policyholder according to the last recorded address for any
alterations made."

This post has been edited by rockets: Mar 29 2011, 11:45 AM

The clause was there even in the '09 brochure...



And , read the terms above on Premium guaranteed.. Most GI policy has a portfolio loading only...not individual. I don't know if you can find any policy contract that specifically says no individual loading upon renewal or something similar. In fact, the 'premium guaranteed' statement is good enuf for me to argue , if needs be!

thank you for bringing that up, guess my memory is not as good as it used to be .

I don't know about others, but AIA has loading based on claim history. i'll post the exact wording here when i get back. i think loading is still pretty common considering a big player like AIA is still doing it.

Basically there are only two cases here after reading some many policy contracts...
i) GI Policy, most if not all, usually tells us their loading will be based on portfolio loading, and no loading is based on individual past claims history.

ii) loading happens... ie. your AIA i believe is one of them..and usually it comes from LI.

agreed with numbertwo and in case you guys are interested. the alteration clause can be found in pretty much every insurance contract.

Need some advice on a topup policy to complement my existing AIA policy :
AIA HS-200, rm200 R&B, RM40000/admission, Emergency OP rm450,Lifetime limit rm400k. No OP kidney/cancer Treatment Benefits. UP to 60yo (9 more years)
Topup policy should have deductible option convertable to full policy at age 60, with 200k OP kidney/cancer Treatment Benefits.

Which of the medical plan in the market worth looking into based on my requirement? Thanks in advance.

This post has been edited by MGM: May 16 2011, 10:13 PM

why u don't want OP kidney/cancer benefit?

Old AIA policy doesn't have this benefit. I am looking for a topup policy that include this to supplement my existing policy which will expire in 9 years time.

why ur policy will expired?

ur age?

OP kidney/cancer go for limit follow annual limit such as prudential/allianz

wah old plan.... why dont u show newer plan

Just an update. Allianz med cardhas changed it's limit already. For room n board 200, the annual limit is 100k and lifetime limit 1m. Others unchanged. However the cost of insurance is hiqher by 30pc.

Hi,

Some mistake on the above table. ING Medical card do not have any Co-Insurance feature. It is "As Charged" for the kidney dialysis and also for the cancer treatment .

i used the wrong term. i've fixed it. you can check out the article in my blog here.

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Added on June 10, 2011, 9:36 pmhi ronnie,

u have the latest premium table for the revised Allianz med card? if u can share it, please do drop a mail to jutamind@gmail.com. will update my article for sharing to all.

---

Added on June 10, 2011, 9:46 pmjust got the details for manucare100 med card. will share the article once i composed it. will also include it in the comparison article as well.


This post has been edited by jutamind: Jun 10 2011, 09:46 PM

Sorry jutamind, i dont have the complete premium table for the new powerlink med card (as what u had in ur blog). However to update your table, the price for 30 yrs old non smoker Room and Board 200, annual limit 100k, lifetime limit 1m is RM414.70 instead of the old Rm336.25. Its still the lowestwith decend coverage

Hope this helps. Thanks

thanks for the info. will update accordingly.

[quote=chew_ronnie,Jun 11 2011, 11:05 PM]
Sorry jutamind, i dont have the complete premium table for the new powerlink med card (as what u had in ur blog). However to update your table, the price for 30 yrs old non smoker Room and Board 200, annual limit 100k, lifetime limit 1m is RM414.70 instead of the old Rm336.25. Its still the lowestwith decend coverage

its still the lowest coverage compared to all.

even better if u don't attach medical card, no way anyone can beat just Life + Critical Illness for Allianz. Cheap. Even selling it as MLTA, you straight away give 40% discount compared to competitors, lol.

why Allianz premium so cheap?

hard to claim?

Try hospitalized with Allianz's card, then u'll know. Haha, just joking.

Based on my experience all cards claiming procedure are the same. As long as NO fraud or non disclosure.

from my experience, allianz claim is 2 weeks max.

i even have one client who was in the hospital and got diagnosed with gastroenimitis (sp?) on the 28th day he receive the medical card. but allianz was willing to cover him even though he did not pass his 30 days cooling period.

so again, allianz claims is just like any other companies.

I own 2 allianz POWerlink plan

y u gt 2 allianz ILP?

maybe for MLTA purposes?

can we not discuss about investment linked medical card here... it is just not right to compare this with standalone medical card...in many aspects.

like it or not, investment-linked policies are the most popular, flexible and affordable in the market nowadays. so i guess there is a point for us to compare investment-linked medical riders here, even though i do recognize that stand alone med card do have their own merits.

1 for medical purpose, 1 for income replacement/MLTA etc.


Yes, there are differences in terms of their features. However, do remember that both ILP-MC and standalone MC serve the same purpose. Fair comparison and constructive opinions will be useful for us.

i think you hv been here long enough to join a few hot discussions about standalone and ILP's .. I'm trying not to generalised all these terms but to say ILP is affordable just doesn't sound right if one were to look for a medical card and nothing else.



fair comparison exists when cost + features are more or less the same... but look, ILP MC coverage most if not all is anytime way better (let say life time limit) than standalone's. And I can also tell the public that ILP-MC is cheaper (per RM1 coverage) compares to standalone's, but one has to pay a lot more to get medical coverage if his/her sole intention is to get medical insurance. So, if we are telling public consumer that this X ILP-MC has million in lifetime limit so why bother about Y's standalone which only gives 400K lifetime isn't exactly a good way to do comparo , isn't it.

I get what you mean, just that I think many forumers are still unclear about insurance and don't know the difference between ILP-MC and standalone MC. So I believe they wish to know more about both products and comparisons of both.

But you are right. Maybe this isn't the right place to discuss this as the topic title is AXA Affin MC, thus comparison shall be made between the standalone MCs.

yeap..we are certainly here to help each other to better understand the MC products. Hopefully everyone will get a better picture by joining this forum. cheers.

I need a family coverage can someone PM me please

Allianz did't do promotion like Prudential, so of course the Cost of Insurance is Lower compared to other companies. About the complaining of hard to claim, it has to depends on situation. sometime Allianz request the doctor to submit the full report but the doctor delay it. so will cause to delay in payment. I believe all the company is the same.

anyone has details about AXA Affin Life's medical card, Medical Care Plus? any agent here?

Already pm to you. I am an agent for Medical Care Plus. thank you.

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Added on February 12, 2012, 9:40 amBenefits from AXA life Medical Care Plus

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Added on February 12, 2012, 9:42 amHow much does it cost for Medical Care per annum? Please see below table



This post has been edited by humaizi77: Feb 14 2012, 07:18 AM

anyone have the pricing table for AXA SCO?

What is the different for AXA SCO and AXA life Medical Care Plus (beside the coverage for OP)?

Not enough bro .