Which medical card is the most attractive in the market now?
Insurance Talk V2, Anything and everything about insurance
Insurance Talk V2, Anything and everything about insurance
|
Oct 2 2015, 06:34 PM
|
Senior Member
1,961 posts Joined: Nov 2011 |
Which medical card is the most attractive in the market now?
|
|
|
|
Oct 3 2015, 12:24 AM
|
Senior Member
1,522 posts Joined: Mar 2007 From: Kuala Lumpur |
QUOTE(tonytyk @ Oct 2 2015, 06:34 PM) 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 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. |
|
Oct 3 2015, 12:48 AM
|
Senior Member
1,522 posts Joined: Mar 2007 From: Kuala Lumpur |
QUOTE(enduser @ Oct 1 2015, 11:32 AM) Guys, can give advised for situation like this, 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. 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.... |
|
Oct 3 2015, 12:49 AM
|
Senior Member
1,522 posts Joined: Mar 2007 From: Kuala Lumpur |
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? 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.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. 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. |
|
Oct 3 2015, 05:28 PM
|
Junior Member
11 posts Joined: Nov 2012 |
Just got my license to sell insurance.
Very happy. |
|
Oct 4 2015, 12:01 AM
|
Newbie
3 posts Joined: Oct 2015 |
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 |
|
Oct 4 2015, 12:24 AM
|
Senior Member
5,143 posts Joined: Jan 2015 |
QUOTE(keeshan08 @ Oct 4 2015, 12:01 AM) Hi guys, I think it will have be the one that are bought to cater for your needs and budget...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 there is no one "BEST" plan that can suit everyone.... |
|
Oct 4 2015, 09:23 AM
|
Newbie
2 posts Joined: Oct 2011 |
Planning to buy insurance, any agents can recommend any premium packages? preferably AIA or prudential
|
|
|
|
Oct 4 2015, 12:10 PM
|
All Stars
10,029 posts Joined: Nov 2014 |
|
|
Oct 4 2015, 12:36 PM
|
All Stars
13,206 posts Joined: Mar 2015 |
|
|
Oct 4 2015, 02:52 PM
|
Senior Member
1,548 posts Joined: Apr 2005 |
QUOTE(keeshan08 @ Oct 4 2015, 12:01 AM) Hi guys, Best thing to do: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 1 Set your budget 2 Decide if you want pure insurance or "insurance + investment" 3 Stick to what you decided |
|
Oct 4 2015, 05:33 PM
Show posts by this member only | IPv6 | Post
#2112
|
Senior Member
10,001 posts Joined: May 2013 |
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? |
|
Oct 5 2015, 10:02 AM
|
Staff
25,759 posts Joined: Jan 2003 From: Penang |
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. |
|
Oct 5 2015, 05:41 PM
|
Senior Member
10,001 posts Joined: May 2013 |
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? |
|
|
|
Oct 5 2015, 06:45 PM
|
Senior Member
1,961 posts Joined: Nov 2011 |
Am considering Standalone vs ILP Medical plan, which is better?
|
|
Oct 5 2015, 08:20 PM
|
Senior Member
1,522 posts Joined: Mar 2007 From: Kuala Lumpur |
QUOTE(wil-i-am @ Oct 5 2015, 05:41 PM) Great Eastern Takaful launches i-Great Ameen plan This is a plan protecting life coverage only, it accepts all type of existing illnesses that the life assured have. 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? QUOTE(tonytyk @ Oct 5 2015, 06:45 PM) 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 |
|
Oct 6 2015, 08:49 AM
|
Senior Member
1,961 posts Joined: Nov 2011 |
Is it generally maximum age for standalone medical plan higher than ILP?
|
|
Oct 6 2015, 09:22 AM
|
Senior Member
1,961 posts Joined: Nov 2011 |
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?
|
|
Oct 6 2015, 11:25 AM
|
Senior Member
1,961 posts Joined: Nov 2011 |
Standalone Medical plan cannot be purchased for those above 70, is that the same for ILP?
|
|
Oct 6 2015, 01:41 PM
|
Senior Member
1,522 posts Joined: Mar 2007 From: Kuala Lumpur |
QUOTE(tonytyk @ Oct 6 2015, 08:49 AM) Depends on the company, generally ILP will have higher maximum ageQUOTE(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) Depends on the company, generally ILP have higher entry age. |
Topic ClosedOptions
|
Change to: | 0.0303sec
0.36
6 queries
GZIP Disabled
Time is now: 29th March 2024 - 04:41 AM |