It is covered in your medical card.

Never had any clients feedback that they need to pay this except when the KPJ Hospital had a funny idea of charging clients for an additional Rm5 per bed sheet (about 3 years ago).

Imagine going to a 5 star hotel room and to your horror the bed is without bed sheet!

Of course now they had stop this ridicule charge after many people starts to protest.

Desperate agent fighting for promotion

I think they can just called up their previous agent and do the renewal without their presence. That works in my home town, so not sure if it works else where

Charge the bill so high dy still want charge for the bed sheet for another RM5....

Understand.

But I wish to understand how this Government Tax 6% calculated from Hospital Bill.
Does the Tax applicable for Hospital Services like Surgical, Medical Report, Diagnostic Test, Consultation and Treatment?

Or the Tax simply applicable to all Net Subtotal of every Bill?

May I know any type of insurance can claim for dental implant or depressed disease?

This post has been edited by tesmmo: May 23 2014, 03:55 PM

You can try BUPA and specifically request that you want dental cover.

http://www.bupa-intl.com/for-you

May I know medical card can claim for dental implant or depressed disease(such as visit psychiatrist) without involved in accident case?

Yes its covered, but the premium is not cheap. Give them an email.

Insurance is to pay for unforeseen circumstances such as Accidents. Your question seems to be framed that you foresee that you need such treatments.

In this case, your Premiums are going to be very expensive. Also, if the Insurer doubts your State of Mind, they will not want to insurer you.

no insurance company gonna cover those things directly. at most maybe it can be covered under your employee's benefit. but everything has limitations...

insurance aren't meant for such benefits, at least not one you can abuse. insurance companies ain't stupid.

This post has been edited by adele123: May 23 2014, 07:01 PM

you are asking a very weird question...

BTW, renew online la... so easy. can pay by credit card somemore...

i'm sure the insurance company has some auto debit way, via phone or online, etc... if they don't have... then i'm not too sure. anyway my point is... i think you can renew on behalf, cause just pay only, go to insurance company usually can settle. whether you earn the commission or not is another story.

if want jadi agent... then properly do it.

International insurance do cover dental, regular medical checkup and even mental disorders. But be prepared to pay in USD

Anyone can tell me which insurance company now offer the most worth it critical illness policy? They all look the same.

Thanks in advance.

Oh. Interesting.
Are they applicable to be use in Malaysia?

Dear cubalagi,

In terms of premium, all about the same. What makes the premium slightly different is they way insurance companies package the plan. If the plan offered is that 'cheap', means it pays that cheaply. Don't expect a thousand fold compensation but paying little premium. Nothing is too cheap and very good. You pay insurance thinking what you are worth.

If I were you, I will buy from a reputable, solid company.

And what do you actually mean by critical illness plan? Are you looking at a standalone critical illness plan, a term plan? Or the ones insurers are selling now 'early critical illness' coverage? You do not have a comprehensive insurance plan therefor you are now looking at another critical illness plan?.

Regards

My wife is having a baby soon and we are interested in buying insurance for our baby to safeguard his future. We are looking for more than just medical card. Is there a recommended starter kit or general comprehensive package for newborn babies? Right now we don't want to buy an education plan but focus on medical, life, CI etc. Is it better to buy when baby is young, or wait until he is older?

How much is the annual premium for this so-called comprehensive package? Is RM4,000 a year sufficient? What should I be looking for in this package? I understand insurance for adults as both my wife and I are insured, but how does insurance work for babies? Please help as I would like to plan before it is too late. I am currently paying about RM8k per year on my own insurance and RM5k for my wife. Everyone tells me that insurance is a "must have" but since I have never claimed anything before and paying quite high premium, I am wondering if it is really worth it or just burning my money. Thanks for help.

From experience & talks with insurance advisers like Roy (lurking somewhere here ) - i'd suggest go only for medical & hospitalization.
Reason:
3D (death disease disability) - for most insurers, the critical disease, by the time diagnose & get $ to try & save life... may be too late as diagnosis must be "certain stages" before can claim.
eg. cancer 3rd stage, not initial stage 1.

Another thing to consider:
IF your child stays "overseas" (incl SG & TH) for 90 days consecutively or more, better get yr child that country's medical coverage, NOT MY's coverage.
Also another learning experience for me when my child went to SG for studies.

As for amount of coverage (i dont look at the premium since it's the coverage that's important to me), personally i took:
Wanted: RM150K * (1+4% assumed inflation pa)^25 years
LESS: RM i had in emergency buffer & employer's family coverage
= Coverage per annum i bought to cover him up to post University-working life, then they can go buy their own
Papa not billionaire thus no silver or platinum spoon <feeding>

Reasons:
a. RM150K - approximate changgih-enough cancer treatment pa now
b. 4%pa - inflation assumed. Yes yes - a lot of fellows will shout inflation is higher, especially medical blah blah
FYI when my dad contracted cancer 20+ years ago, the cost *4%pa inflation till now still more than covers. Advances in medical science dont mean we have to go for cutting edge (just newly developed) that cost a bomb if the "% of higher successis" minor VS standard treatment.
c. 25 years - coz no silver or platinum spoon <feeding>

Note - dont be a sucker buying as much as U can.
Insurances are risk transference tools AT A COST. That's why we pay something called a PREMIUM.
Premium = risk's cost (if U bear yrself) +admin cost to run company +agent's commissions +shareholders' profits +CEO's big fat bonuses
Better to take just enough - then use the remaining to invest.
Dont believe me pls - just get the quotations AND ask for the total premium till 80 years old (from 0 to 80)
Look at the total premiums paid - can buy a few lives liao AND we pray we dont collect!

If my plans is aligned with my BIG BOSS' (Him) plan, i should not be needing death (yes death, not life - payout is upon DEATH), disease, disability or medical/hospitalization for my entire family by the time i retire.

Just my PoV - from one father to another
BTW, congratulations & <high five> yr child is lucky to have a father that steps up & plans before needed.
Next is studies & Uni then estate planning

PS: Not all insurers will insurer newborns - especially if complicated birth or below certain kg (ie went into Neo-natal ICU after birth). Again from experience heheh - had a normal birth + a very complicated pregnancy & pre-term experiences

This post has been edited by wongmunkeong: May 24 2014, 06:45 AM

I am looking for a stand alone critical illness plan. Not a medical card.

I dont mind paying a little more if the plan is "good", but I am not sure what "good" is when it comes to critical illness insurance. And most of the insurance companies seem to be "reputable solid company".

u should buy saving plan for ur child

Cancer if it is zero staging, it is only payable under Early CI, and not under the 36 CI Cancer definition.


Nowadays, can buy during pregnancy, and in your case the medical card will start upon birth

Of course if there is any pre-existing (for example if baby is born with hole in the heart) that will be an exclusion on the medical card.

If 'infant care' is attached, we will reimburse up to RM30K (for 2 years), see spoiler

I am a DINK. No children. I save and invest only for myself and spouse.

I guess what I am looking for is extra "income protection" (new term learned while researching this topic ) in case of a critical illness which could severly impact my future income.