if we pay first then only claim back from 2nd insurance company via reimbursement?

Thanks sir for the feedback, appreciated.

Never know that if the total bill was RM50k and it can be separated to RM30k bill (for company ins cashless medical card claim) + RM20k bill (cash paid by insured).

i moved it 2 months back.

Combo AXA SmartCare Optimum + Tokio Marine Medic Plus.

Good for you if you already have company group medical benefit, you may choose deductible option for AXA SCO (up to 50% discount on premium for RM20k deductible) + TM medic plus for additional coverage on kidney + cancer treatment. both are yearly renewable medical card.

http://www.axa.com.my/132/en/health-insura...artcare-optimum **
http://www.tokiomarine.com/my/en/personal/...medic-plus.html

** you can get extra 15% discount if you walk into their branches for initial premium payment.

are your company group medical plan under AIA? if yes, then u can get this. the plan is quite okay

yeah because TM's deductible is RM10k, and the AIA's is RM30k. once you passed age of 60, there won't be deductible option for you hence the premium increases.

TM deductible plan is fixed at RM10k for all plans,
and AIA's deductible plan is fixed at respective plan.

Try AXA SCO, you can adjust your deductible amount, from RM7.5k to RM20k for each plan. if you are concerned that



you can always look for AXA SCO because their deductible plan can be converted to non-deductible plan once in a life time by age of 59. the Insured Person
will not be required to provide health declaration to the Company.

and the last thing, i'm a consumer. i'm not a insurance salesman.

it is definitely worth it if u know how to manage your own money, financial planning.

if i have company medical benefit, why not i choose a deductible option plan to complement it? it saves alot. if i decide to change job, and the new company doesn't provide any medical benefit, i can convert the deductible plan to a full plan (AXA SCO).

no worry

insurance 101.
insurance is meant to be protection, not investment.

better focus in 1 insurance company (easier management), but if u want to use the 2nd plan to complement the 1st plan, it works as well.
about the daily cash allowance, should be able to claim from 1 insurance company iianm. pls correct me if i was wrong.