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 Insurance Talk V2, Anything and everything about insurance

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tonytyk
post Oct 2 2015, 06:34 PM

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Which medical card is the most attractive in the market now?
ExpZero
post Oct 3 2015, 12:24 AM

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QUOTE(tonytyk @ Oct 2 2015, 06:34 PM)
Which medical card is the most attractive in the market now?
*
It's very depending on the personal preferences and the availability of the agent. It's like which car brand is the best, some like Toyota, some like Honda, some like Perodua etc nod.gif

However, in summary
GE/ AIA: Annual limit high, unlimited lifetime limit, no co-insurance
Prudential: med value point, after med value point 20% co-insurance, optional deductible.

There is some other fringe benefit for comparison too. However, you can't go wrong with these 3 giant companies. hmm.gif
ExpZero
post Oct 3 2015, 12:48 AM

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QUOTE(enduser @ Oct 1 2015, 11:32 AM)
Guys, can give advised for situation like this,
1. my family members, 15 yrs old & already got medical card for 2 yrs
2. met an accident while driving a motorcycle.. unfourtunately he is driving without licence
3. now received treatment at gov hospital
4. Can he use the medical card for treatment at private hospital? Dunno can use/claim using the card or not coz of driving without licence....
*
I have so far never have any client in such case but I've read the whole medical card's exclusion list and do not see any unlawful activities are excluded. nod.gif
ExpZero
post Oct 3 2015, 12:49 AM

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QUOTE(lowyat_forum @ Sep 29 2015, 04:50 PM)
Hi there, would like to get some advice here. Can anyone explain the severity with the exclusion clause of lumbosacral spine and any complications therefrom? I just wish to know what kind of disease/sickness that insurance company can deem not claimable due to this clause. Of course the obvious one are surgery related to the spine, but what are the less obvious one that we should take note of?

Reason for lumbosacral spine exclusion is because the person had bad pain, so some dr recommended to do MRI and see very very mild and slight slip disc, but no physio required, just lifestyle change, now fully recover, no more back pain, but of course insurance company don't care.
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You might can't get direct answer from the forum due to your question is too specific. You might as well talk to the doctor and they will have experience either the company will approve or not since they have previously surely help the client to claim.

However, I've one client felt and disc slipped, no surgery has been done and only physiotherapy has been done. All the MRI reports and bills are fully claimed. This example might not too relevant to your case, I hope it helps. nod.gif
randommalaysian
post Oct 3 2015, 05:28 PM

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Just got my license to sell insurance.
Very happy.
keeshan08
post Oct 4 2015, 12:01 AM

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Hi guys,
i m 24 year old,
willing to buy a medical card,
there are so many insurance company out there,
which 1 is the best medical plan to buy?
thank for help
T231H
post Oct 4 2015, 12:24 AM

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QUOTE(keeshan08 @ Oct 4 2015, 12:01 AM)
Hi guys,
i m 24 year old,
willing to buy a medical card,
there are so many insurance company out there,
which 1 is the best medical plan to buy?
thank for help
*
hmm.gif I think it will have be the one that are bought to cater for your needs and budget...
there is no one "BEST" plan that can suit everyone....
cowdy
post Oct 4 2015, 09:23 AM

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Planning to buy insurance, any agents can recommend any premium packages? preferably AIA or prudential
lifebalance
post Oct 4 2015, 12:10 PM

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QUOTE(T231H @ Oct 4 2015, 12:24 AM)
hmm.gif I think it will have be the one that are bought to cater for your needs and budget...
there is no one "BEST" plan that can suit everyone....
*
Best insurance is where the agent provides sound financial advise and catered to your needs.
MUM
post Oct 4 2015, 12:36 PM

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QUOTE(lifebalance @ Oct 4 2015, 12:10 PM)
Best insurance is where the agent provides sound financial advise and catered to your needs.
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hmm.gif insurance agent provides "Financial" advise?

prody
post Oct 4 2015, 02:52 PM

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QUOTE(keeshan08 @ Oct 4 2015, 12:01 AM)
Hi guys,
i m 24 year old,
willing to buy a medical card,
there are so many insurance company out there,
which 1 is the best medical plan to buy?
thank for help
*
Best thing to do:
1 Set your budget
2 Decide if you want pure insurance or "insurance + investment"
3 Stick to what you decided
wil-i-am
post Oct 4 2015, 05:33 PM

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Planning for healthcare costs in retirement
http://www.thestar.com.my/Business/Busines...ment/?style=biz

The table assume 10% for healthcare inflation
I like to find out whether 10% is reasonable or otherwise? hmm.gif
cherroy
post Oct 5 2015, 10:02 AM

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This is an open discussion topic, (not for selling insurance package) please do not ask for PM.

Any post with "PM me" will be deleted.

Ty.
wil-i-am
post Oct 5 2015, 05:41 PM

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Great Eastern Takaful launches i-Great Ameen plan
http://www.nst.com.my/news/2015/10/great-e...reat-ameen-plan

Anyone know how does tis plan work coz intend to subscribe for my parents?
tonytyk
post Oct 5 2015, 06:45 PM

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Am considering Standalone vs ILP Medical plan, which is better?
ExpZero
post Oct 5 2015, 08:20 PM

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QUOTE(wil-i-am @ Oct 5 2015, 05:41 PM)
Great Eastern Takaful launches i-Great Ameen plan
http://www.nst.com.my/news/2015/10/great-e...reat-ameen-plan

Anyone know how does tis plan work coz intend to subscribe for my parents?
*
This is a plan protecting life coverage only, it accepts all type of existing illnesses that the life assured have. nod.gif

QUOTE(tonytyk @ Oct 5 2015, 06:45 PM)
Am considering Standalone vs ILP Medical plan, which is better?
*
Both are different according to your needs.
1)Standalone unable to attach waiver rider, we still have to pay for the premium no matter what is happening.
2)Standalone might(depend on company) have lesser benefit.
3)Standalone do not have cash value, policy might be easier to lapse if we skipped the premium.
4)ILP have higher investment risk
5)ILP have higher initial premium.

Do your own judgement laugh.gif

tonytyk
post Oct 6 2015, 08:49 AM

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Is it generally maximum age for standalone medical plan higher than ILP?
tonytyk
post Oct 6 2015, 09:22 AM

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Currently, I have comprehensive medical coverage by company. Any individual standalone medical plan or ILP with high deductibles, and can be converted to zero deductibles later years after I left the company?
tonytyk
post Oct 6 2015, 11:25 AM

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Standalone Medical plan cannot be purchased for those above 70, is that the same for ILP?
ExpZero
post Oct 6 2015, 01:41 PM

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QUOTE(tonytyk @ Oct 6 2015, 08:49 AM)
Is it generally maximum age for standalone medical plan higher than ILP?
*
Depends on the company, generally ILP will have higher maximum age

QUOTE(tonytyk @ Oct 6 2015, 09:22 AM)
Currently, I have comprehensive medical coverage by company. Any individual standalone medical plan or ILP with high deductibles, and can be converted to zero deductibles later years after I left the company?
*
Some forumer is advising this earlier, you may check previous posts. However, GE do have a deductible plan that is very affordable at RM100/month.

QUOTE(tonytyk @ Oct 6 2015, 11:25 AM)
Standalone Medical plan cannot be purchased for those above 70, is that the same for ILP?
*
Depends on the company, generally ILP have higher entry age.

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