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 Affordable medical insurance malaysia, Any cheap medical insurance ?

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lifebalance
post Oct 16 2017, 09:56 AM

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QUOTE(abcn1n @ Oct 15 2017, 09:34 PM)
Appreciate some enlightenment here.

Notice from the link that Xuzen gave, FSM Insurance says can save up till 30% commission [https://www.fundsupermart.com.my/insurance/product-comparison/compare/health],

but from other links and a search on the internet, reveals insurance agent earns about 70-130% in commissions from the premium paid
Eg of a link : https://forum.lowyat.net/topic/1288445/all

Thus, this would seem that FSM insurance is making some commissions too? If so, I can just walk into any of the insurance companies and save the 70-130% commission  instead of buying from FSM? If so, what's the point of buying from FSM then?

Thanks in advance
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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.
lifebalance
post Oct 16 2017, 10:11 AM

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QUOTE(MGM @ Oct 16 2017, 10:03 AM)
With FSM insurance do u save 30% every year or just 1 time?
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Sorry I wouldn't know since I don't work for fsm
lifebalance
post Jul 23 2018, 02:23 PM

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QUOTE(LamTin @ Jul 23 2018, 02:18 PM)
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?
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provided it is resulted into a hospitalized, then yes.

otherwise, No
lifebalance
post Jul 23 2018, 04:44 PM

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QUOTE(LamTin @ Jul 23 2018, 03:04 PM)
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
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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
lifebalance
post Jul 23 2018, 08:31 PM

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QUOTE(LamTin @ Jul 23 2018, 08:21 PM)
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?
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It's been made clear that body check up purely for routine purpose is not claimable, a lot of people will always want to do a full check up whenever they are sick but how many of them are really so sick until a full check up is required?

Some people little bit already say dengue or cancer or etc when it could be a small matter but being exaggerated.

Therefore an insurance company will normally not pay if the result is nothing much of an issue. Otherwise everyone would just file a claim for a full check up under the cover of "suspected xxx disease but turn out fine"
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