Getting an agent to service is good at times when you have problem filing a claim or need a person who has experience in claim to appeal for you.

If you think FSM is not earning a single cent out of you, you're kind of mistaken in a way. Otherwise why would they bother to promote it ? Charity ? Plus if I am FSM, I won't need to service you, just take your money and go service urself.

However if you're trying to save all the commission and not want to pay for any service, then self service is the way.

With FSM insurance do u save 30% every year or just 1 time?

My dad is almost 65 years old, retired, no health insurance but still very healthy. I'm thinking of getting him medical card. Preferably one that comes with a savings plan. What's the cheapest most basic medical card plan around ya? Any agents pls feel free to PM me

Creating Awareness & Warnings not to be Ignored when purchasing a Medical Insurance Plan!

Do you know that nearly 90% of Malaysians are clueless on the types of policies they have bought over the years. They have been paying for the policies with assumption that it will pay them in full no matter what their claims are without understanding the underlying limitations! And most of them not even know what are they paying for. Common reason of Malaysian buying policies is mainly because the agent is their friends, family etc. and some even bought the policy based on the branding and marketing "claims" that it's the No.1 insurance company in Malaysia. Please be noted that branding of the insurance company won't help you at all! What matters the most is in your policy documents! Most people won't even bother to read the term and condition clearly but just blindly listen to the agent! Different medical plans in Malaysia have different limitation! There's no such thing as all medical insurance are the same!!

If you already have policies, please get them reviewed and I promise you will get the shock of your life!!! Make a choice to understand the limitations of your policies before its too late! Don't just sit and get quotation thru email for comparison in premium cost and investment return but sit down with financial advisor who can help you and assist you in choosing the best medical plan based on your needs, budget and how to avoid costly mistakes.

The most crucial aspect of claiming is what documented in your policy document, you need to understand the fine prints, black and white! You need to know how to avoid and save yourself from burning ship before its too late! Because health changes overnight!!!

An experienced agent would have done many hospitalisation claims for his/her clients over the years. Through the experience, one can tell what it gonna work for you & what can be the biggest financial cost of your life!!

If you have a choice to choose:

1. Which one is the smarter choice?

A) Company A pays 90% of your Medical Bills- 10% Co Insurance borne by policy holder

B) Company B pays 100% of your Medical Bills fully

2) Are you aware of the difference between Inpatient Hospitalization & Outpatient Treatment in your policy? Why is it separated in your Medical Schedule of Benefits?

3) What are the limitations in your policy Vs the Actual Cost of Hospital Bills in Malaysia

Actuaries are highly trained individuals with such intelligence to determine the risk factor before getting a plan approved by Bank Negara.
Do not just take the word of an agent verbally, but always look at the fine prints black&white, and the Cost of Insurance chart in the policy documents- understand the pros and cons clearly before you make any Costly Mistakes especially during Hospital Claim!
**Please take note- this is mainly to create awareness for malaysians to Make A Smart decision before its too late!!

Do contact me if u need in depth understanding in helping you make that WISE decision before purchasing a medical policy.
No obligation at all! You don't wanna miss this opportunity!

You'll be amazed,Yes!
Thanking you.

Felicia Christy
(016-2089869)
Financial Advisor
Buss Consulting Malaysia

Hi, there has any basic medical insurance can be suggestion. I have bought the Hong Leong Assurance term cover 10 with sum assured RM200,000. My age is 27 years old.

Whether I am still need to buy a medical insurance? This is because government hospital's facilities are quite okay and the cons is just need of waiting time.

Sorry I wouldn't know since I don't work for fsm

Hi agent. For medical insurance, is it got cover for full medical check up? If after check up found out got sickness will the full body check up be covered under the medical card?

provided it is resulted into a hospitalized, then yes.

otherwise, No

How if in one ocassion that i am very uncomfortable and paining and go to emergency room. And then i requested for full body check. But results come out ntg. Still can claim under medical insurance? Thanks

It depends on a lot of factors ie: how the doctor writes the report, how the hospital makes the claim and of course how the agent assist the client with the check in.

Just this month I had a client went for a check, he managed to claim from Allianz 🤓

wow! So if the doctor writes nothing abnormal been found then cannot claim already?

How was your client? Did he been dignosed with any sickness? Or you also duno the details of the report? Thanks

How if in one ocassion that i am very uncomfortable and paining and go to emergency room. And then i requested for full body check. But results come out ntg. Still can claim under medical insurance? Thanks

How if in one ocassion that i am very uncomfortable and paining and go to emergency room. And then i requested for full body check. But results come out ntg. Still can claim under medical insurance? Thanks

Depends on how the doctor write in the report to be presented to the claim department for claim. The situation is very subjective for me to give you an answer

So basically as long as the doctor writes any sickness then can claim already? I think the claim department wont examine the patient right and will just read the report?

So basically as long as the doctor writes any sickness then can claim already? I think the claim department wont examine the patient right and will just read the report?