Sorry, a medical card is not a must to have at any 1 time.
There's always government or semi government hospital to begin with.
If can't fund the treatment cost, there's still politician to help and Jabatan Kebajikan.

As now retirement age are 60 and if you can stay alive till 75. Any serious sickness(cancer) will take about that time to take your life.
At 60, it is considered as warga emas and can get priority treatment from government hospitals. So no need to worry much. And if not enough money, Jabatan Kebajikan is another channel.
As for continuing wasting money on insurance company, agents here are trying to retain you. But as time goes by, will your current policy able to protect you later? Nope, it won't. You need to continue top up money once every few years to stay protected. If you don't top up also not a problem and continue to pay, but when reaching 60, you may need to declare something and the premium are freaking high. have to know that, not all medical card can just add money on top of the policy. Also insurance company will use this as excuse to deny a claim when you need it.

You need to produce and give the original copy of death cert to insurance company.
And between insurance companies they have connection among each others.
So, the question is, can you get multiple original documents from authorities?
Hint for this : all the insurance agents here were avoiding answering this question directly but group bash me instead stating this is irrelevant question

This post has been edited by supersound: Mar 18 2015, 11:31 AM

I'm a victim on insurance policies that got cheated while she is the insurance agent.
Insurance agents will mislead and cheat potential buyer to buy a policy.
Just read what our policy stated and you will know.

Ask the others to check their policy or call the office direct.
Very simple only.

If think she is cheating and I'm bursting lies, then yes.

Death you can claim multiple(I made it wrong), provided you really have the money to buy from multiple companies.
As for claims that you still alive, you need to get multiple hospital certs to claim from multiple insurance companies. But to get multiple original cert from hospital, it is like asking a man to get pregnant
And don't worry on maxed out or not as you still need to pass the first process on claim which is the denial of claim, especially on critical illness. There's a lot of exclusion on this based on policies you bought. Always read and understand each line.

You no need to worry much on premium paid, now you top up by another rm90, after 5-10 years you still need to continue to top up. By the time you really need to use it, it will be more than you fork out your own using your cash.
The premium you pay will depreciate by it self once every year. Only the agent lazy to tell you on this.
My advise is, save your money your self for medical.
And for critical ilness like cancer, older policies only will pay out when you are really on critical stage(waiting to die), 1st and 2nd stage you get nothing.
This is another reason why I cut my insurance totally.

For the start, it will premium's 6%.
Next will be premium +6%.
Don't worry too much on this, you pay extra for not to getting protection

How it is being define?
Check your policy for this.
Else it will be like TPD and PD, if you lost 1 finger, it is not PD
Also same goes to getting cancer, how it being define as early, 1st till last stage.

This post has been edited by supersound: Mar 28 2015, 11:52 AM

So you are telling me that a policy are following internet's pdf file

Sorry, I only will read the hard copy of policy, not download from unknown source
Reading unknown source is same like buy a policy without reading it.

Don't worry, I already read it and it is not the same

I buy, get the policy, read and throw. Not paid a single cent.

Based on your statement, can I conclude that I'm paying for a service that I may not be getting later on?

There's no such thing of guarantee renewal to begin with.
As policies are guaranteed to depreciates over the time

You will lose out ~90% of the money.
Losing rm3000's 90% is still better that after 10 years, you lose out rm30000's 60%

Nope, just terminate and get back what ever you can.
Then start another savings account for this

Medical card will self depreciates every year, some people already mentioned this clearly that it will depreciate 5% every year.
So is better to upgrade, else she need to top up money later on to get medical attention.
Also, when doing a claim, it is subjected to insurance's company's discretion. It does not means you can claim what the policies says, so must read and understand truly the exclusions part first. And if you really understand that, you will not buy any insurance anymore
For me, I'll cancel everything and open a savings account meant for medical.

If normal sickness, go to 1klinik Malaysia.
If can't, they will refer you to GH.
rm1 only, why need to worry?