Sep 16 2011, 10:07 AM
QUOTE(calcom21 @ Sep 16 2011, 09:22 AM)
HI All,
I have a medical card+investment link with GE for 5-6yrs. It is the old one without co-insurance and co-charges. The ting is that is has overall limit of RM300k with annual limit of RM100k. I feel that it's not sufficient and wanna upgrade to higher. Anyone can advise? if i upgrade to higher, i will have new higher limit but then with co-insurance and co-charges. But i will start again with my waiting period. Also what happen if few months into the renewal, i make a claim, will they approve? Also what happen if the doctor claimed that the sickness exist before i sign the renewal, will they revert back to my old policy or terminate my policy? I dont want to take that risk. Another option is for me to get another medical card. Prefer additional RM100 (preferable no co-insurance or co-charges or with cap).
Waiting period is only for 30 days so no biggie. If for the past 5-6 yrs you were not dignosed with any serious illness then there is no pre-existing hence u can safely convert to new policy. If u own 2 medical policies, the claim procedure is abit complicated but still okay.I have a medical card+investment link with GE for 5-6yrs. It is the old one without co-insurance and co-charges. The ting is that is has overall limit of RM300k with annual limit of RM100k. I feel that it's not sufficient and wanna upgrade to higher. Anyone can advise? if i upgrade to higher, i will have new higher limit but then with co-insurance and co-charges. But i will start again with my waiting period. Also what happen if few months into the renewal, i make a claim, will they approve? Also what happen if the doctor claimed that the sickness exist before i sign the renewal, will they revert back to my old policy or terminate my policy? I dont want to take that risk. Another option is for me to get another medical card. Prefer additional RM100 (preferable no co-insurance or co-charges or with cap).
IMO if no pre-existing and can find a superior policy, it is better to terminate and buy new
Quote
0.0157sec
0.46
6 queries
GZIP Disabled