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.

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.

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

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?

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.

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.

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?

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

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!