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 Insurance Talk V2, Anything and everything about insurance

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tonytyk
post Dec 23 2015, 12:33 PM

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QUOTE(Plastic Paper @ Dec 23 2015, 10:54 AM)
in my opinion, yes.
because i did a simple calculation by myself and realise the limit for these two treatments is important.
Kidney dialysis costs RM300 per time.
One week need to do 3 times, RM300 X 3= RM1200
One month RM1200 X 4 = RM4800
One year RM4800 X 12 = RM57600
if I could not find a kidney transplant,
I have to do kidney dialysis for the rest of my life...
Let's say 30 years..
RM57600 X 30years = RM1,728,000
So other company has lifetime limit (like RM900k+) for this.
I afraid it will be not sufficient..
So I choose GE because the kidney dialysis limit follows the annual limit of the medical card (RM1.32M) and it renew every year.
Hope this solve your question  nod.gif
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GE medical plan has no life limit now? Since when was this revised?
tonytyk
post Dec 28 2015, 06:08 PM

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QUOTE(conqu3ror @ Dec 28 2015, 05:29 PM)
Yes, Allianz Medisafe Infinite Medical plan don't have Lifetime limit and the Annual limit are from RM 850,000
Peace of mind for the heavy medical cost if anything happen in the future years.

Also there are No deductible/Co-insurance, the medical cost are as charge.

Everything in the quotation are black and white which will include in the Policy. Meaning whatever the benefit stated in, insurance company have to bind with it.
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What is the annual and life limit for Allianz outpatient kidney can cancer treatment ?
tonytyk
post Dec 29 2015, 10:09 AM

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QUOTE(qachak30 @ Dec 29 2015, 10:03 AM)
True that hence it best to make sure that the medical card has the widest network of hospitals...aiya you can't cheat the insurance guys cause once u claim from company A all other company get check with the hospital already...
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Mind to share which medical card has the widest network of hospitals?

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