Anyone know about the new Allianz enhanced medicover?
What is the cost of insurance compared with the normal medicover?

why u take bonus then resign from ur company?

smoker premium will higher due to high risk

upgrade is better

We bought your insurance for our dad last year and after paying for a year, he was diagnosed with kidney failure and require hospitalization and fistula. We had to pay for everything first and when we asked your agent he told us we only need to wait for 2-3 weeks for the claim to come out but now he's telling us your company needs a MINIMUM 3 months to investigate before deciding if you will approve the claim or not! My question is, why do you need to investigate when initially your company already approved his policy after reviewing his body check up report which showed that he was healthy without any medical history? IF in the first place, you decided his condition was not fit to purchase the policy you wouldn't have approved it, right? Now we have to pay for everything ourselves while we wait for you to "investigate" for AT LEAST 3 months while we continue to bear for our father's dialysis treatment fee. We feel so cheated by your company!

Medical cost RM40k.

I have 2 card. 1. Allianz 2.TM deductible card RM10k

Let say use TM card, the remaining RM10k can claim from Allianz?

http://www.tokiomarine.com.my/product/medicplus.php

Faced with higher claims from rising medical costs, many insurance companies have increased their charges and premiums by up to 20%.


So which company already increase their price?

As I know the greedy prudential is the first one to increase the price.

http://www.thestar.com.my/News/Nation/2014...e-for-coverage/

ILP more flexible

other medical card u need to pay 100%.

let say allianz annual limit 65k if ur medical fee 95k.
95k-65k=30k
then total u need pay is 30k x 20% = 6k

if prudential medical card annual limit 65k if ur medical fee 95k
95k-65k=30k
then total u need pay is 30k

so need pay extra $$ to get PruAnnual Limit Waiver (PALW) for PruHealth?

mean medical card = $

PruAnnual Limit Waiver (PALW) = $

so $+$ ?

mean need buy 2 rider to get these benefit?
1.medical card
2.PruAnnual Limit Waiver (PALW)?

allianz only need buy medical card no need buy the annual limit waiver to get the same benefit with PruAnnual Limit Waiver (PALW) .

save cost

COI will increase with age band no matter pru or allianz

prudential can give u rebate if u no claim check it out

Good idea to upgrade medical card from 300 to 400?

or remain 300 medical card then buy other company medical card to mitigate the risk, incase the single company cannot claim the medical fee?

that why i'm in dilema

not sure as different insurance company have their own set of rules of claim and the strictkyness lenientlyness of claim procedure

everything must have failover plan.

medical card will fee will increase again

http://www.imoney.my/articles/malaysia-sha...surance-premium

https://my.news.yahoo.com/rising-medical-co...-024815009.html

what u mean by "Income Protection" rider?

why u buy US insurance?

u at US?