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.

What is the annual and life limit for Allianz outpatient kidney can cancer treatment ?

Yes, if you were to get admitted to a non panel hospital, the medical report is not submitted directly to your insurer.

This means that the insurer has no idea as to why you were admitted for apart from the bill that you had submitted.

You will also need to get the discharge summary, itemized billing, police report (if any), medical or investigative reports such as blood test results (if any) for the claim.

That is why it is easier to get admitted to a panel hospital.

Also if you want to claim from multiple insurer (up to the maximum of the bill), you will need to CTC the supporting documents.

For the variance bill that is not paid by the first insurer, the bill submitted to the second insurer must be original.

Thanks so much! Very much appreciated  It does sound so much easier with panel hospitals. Sometimes when an incident happen we just goto the nearest hospital we can find before checking the panel list

I didn't know if someone has multiple insurers that they can claim to both? I guess that does not apply to those medical cards and more to life/critical illness type of coverages?

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...

Thanks so much! Very much appreciated  It does sound so much easier with panel hospitals. Sometimes when an incident happen we just goto the nearest hospital we can find before checking the panel list

I didn't know if someone has multiple insurers that they can claim to both? I guess that does not apply to those medical cards and more to life/critical illness type of coverages?

You can claim from both medical card, up to the maximum of the bill. For example if the Company Med Card gives you RM30K annual limit and the bill is RM50K.

You can claim RM30K from the Company Medical Card and the balance claimable from your personal medical card.