Hi all, just to share..

26 years old, my current Insurance Policy as follows:-

Premium: Previously RM150 per month (3-4years ago when I just started working), just topped up this year to RM550 per month (investment linked) after income more stable and just bought a new property.

Life/TPD: RM400k
Accident (Death/TPD): RM200k + Medical Expenses RM2k + Weekly Income RM300
Critical Illness: RM90k
Early Critical Illness Protector: RM70k
Medical Insurance: R&B RM150/day, Annual limit RM62.5k, Life Time Limit RM625k
Hospital Cash Income: R&B RM150/day, ICU RM100/day, Surgical Procedure RM2.5k per surgery

Projected Cash Value by the time I reach 54 years old: RM240k+

Note: I am also covered by my company;s medical benefits but the coverage is minimal.

Any comments would be highly appreciated.

wow, I didn't know Insurance Agent also need to study medicine, law, business admin & hospital management.

You know any agent with that capable please intro me. I think as an agent he should also provide medical service, law consultation & admin for free to his client?

I really really serious, please intro one to me. I make sure he sign a deal contract to provide these free service when I buy insurance from him/her.

I guess your bf/husband must be a superman, and just hope he still surviving by your demanding.

Allianz power link medical card
Medical fee As Charged (Subject to Reasonable and Customary Charges) and based on standard charge rate for all private hospitals based on the Private HealthCare Facilities and Services (Private Hospitals and other Private HealthCare Facilities) Regulation 2006 of Malaysia

Last time do surgery RM4k at 2006 but now already 2014, there is not Rm4k anymore for the same surgery. Now the healthcare fee is RM20k already.

So Allianz medical user need to fork out RM16k by their own pocket

Ini soalan ke cadangan?

What do you mean by this? If Allianz medical card states that the Medical fee As Charged (Subject to Reasonable and Customary Charges) and based on standard charge rate for all private hospitals based on the Private HealthCare Facilities and Services (Private Hospitals and other Private HealthCare Facilities) Regulation 2006 of Malaysia, isn't it as long as the hospital charges a TYPICAL fee for surgery / treatment (typical medical charges which will increase along the year), Allianz will reimburse fully?

Appreciate you can explain more.  Not really understand...

Is there a list of range of charges for this Private HealthCare Facilities and Services (Private Hospitals and other Private HealthCare Facilities) Regulation 2006 of Malaysia, that we all can refer to?

Thanks for the list.

There are some maximum price shown at the end of the document. Does that mean if the panel hospital charges higher than the max price shown, Allianz medical card will not reimburse us? I thought as long as it's panel hospital, the insurance company should have reviewed their prices and approve accordingly, so they charge according to the regulation.

hi i need a medical insurance with investment link  for my wife....35, non smoker, works with government...RM 3k per month....nothing fancy....just a backup as she plans to serves the government so basic health care is provided....looking for prudential...tq...