i) there is no co-insurance, the medical bill will be as charged
ii) 120 days waiting period except for accident
iii) after survive waiting period, if diagnosed with any disease, they will have a team to investigate at the clinics and hospitals, if they find out that is a pre-existing condition, insurer will fully refund ur premium and you will get blacklisted.
The most secure period will not be least than 2yrs....

Hope this info can answer ur questions...

Hi, thank you for ur detailed info. Please allow me to ask one more question:

I've brought my mum to General Hospital before as she has mentioned that her knee is very paint.

However, the doctor in General Hospital didn't diagnose her having GUAN JIE YAN. Just giving few medicine for her to consume. Besides, before this my mum never do any operation on the leg.

Hence, will AIA medical card will still fully cover my mum?? or AIA will make all the sickness related to leg as exclusions?

Yes will covered as she didn't diagnose with any sickness and not hospitalized.

Hi, kindly send me your email. i will contact you more further detail on the AIA insurance medical card

Hi, kindly pm me your email address. I will provide you more information on the AIA medical card

Hi, I am doing insurance for Prudential.
At the moment Prudential is providing investment-linked medical card with no annual limit as well as no co-insurance and vice versa.
It is a very flexible medical card which could be customised to suit your personal needs.

PM me for further details and I will be glad to answer your queries.

Cheers

Van u PM more detail? Include quatation n monthly premium. Thanks

What is co-insurance?

Insurance is a business of risk transference. When anyone gets insurance, he/she can choose to transfer all the risk to the insurer or shares part of the risk. There are few choices of cost sharing, namely Deductibles & co-insurance.

For deductible, there are choices of Zero Deductible (claim in full and fully borne by the insurer), Rm300, RM3K, RM10K. Most people whom are working has some sort of medical coverage with their company. Hence it makes sense for them to get a policy with highest deductible (eg, RM 10K) in order to save on the premium.

When a claim arises, the deductible will be claim under the company insurance while the medical bill is claimable from the personal insurance. But then of course, you cannot claim from both company the FULL bill. For medical insurance, it is only paid up to the bill amount (irrespective of how many medical cards you may have).

With co-insurance, if the client is admitted to the hospital, there would be a minimum co-insurance that the client is required to pay, for example minimum RM 300, maximum RM1K or 10%.

The purpose of co-insurance and deductible is to bring down the cost of insurance (commonly known as insurance charges). In short, plans without co-insurance, the premium will be slightly higher and it means the client has already paid in advance the 'co-insurance'.

Hi guys,

I have a quick question for you all. I have a close friend who is diabetic (type I), basically she's been a diabetic since she was 11 and she is now 28. As far as I know medical insurance coverage would not be extended to anyone with a preexisting condition such as hers.

What if the insured is willing to fork out any additional loading charges and accepts the fact that all related diseases with diabetes is also excluded, would she be able to obtain a medical insurance cover then ? If so can shed some light here and which company has such a policy ?

Thanks !

This post has been edited by Neoraj: Dec 5 2013, 12:41 PM

Sorry Neoraj, its a no from Prudential, even with loading or not. I do not know of any insurance company in Malaysia that is able to take up that risk.

You may need to source around for international health insurance but be prepared to pay in USD/EU for the cover.

If you found any agent/insurance company in Malaysia that says it can be accepted, please exercise extreme prejudice.

Need details about aia insurance and investment..

why AIA?

Why AIA?

dude did u just necro a 2 years thread