What mean by Reimbursement ?

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

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 .

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.

why ur policy will expired?

ur age?

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

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 pm

hi 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.

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Added on June 10, 2011, 9:46 pm

just 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.

why Allianz premium so cheap?

hard to claim?