Feb 13 2012, 10:20 PM
QUOTE(mucklampir @ Feb 12 2012, 11:35 PM)
hi maxwealth.. Thanks for clearing up few things.. Neway got some other bonus question if u dont mind..
Welcome
i) is it true ING standalone med card dont have copayment including outpatient treatment?
RM 50 self deductible only applies for hospitalization and day surgery benefits.
Others like "out ofhospital benefits" such as emergency accident outpatient treatment, Post hopitalization or day surgery follow up, Outpatient cancer kidney disalysis, no self deductible.
ii) if true then no need to upgrade to investmint link one since automatically will lost the no copayment benefit. Or can choose to stay the one without copayment even upgrading to invesment link? Can upgrade to plan 3 for higher R/B and lifetime..
Now you are in IMPLUS 2, if you need extra limit, you can choose
1) get another medical card (ILP-PRIME Mediplus), so you have 2 medical card. You can claim from ILP medical card first and the excess claim (exceed annual limit or life time limit or exceed R&B limit or ICU limit or 10% co insurance) from standalone medical card.
2) Upgrade to ILP PRIME Mediplus but the difference of ILP and standalone are, ILP has 10% co insurance yet with higher annual limit and lifetime limit.
3) Or upgrade from IMPLUS 2 to IMPLUS 3 upon policy anniversary. Subjected to approval.
iii) reason asking becoz currently have been looking around for investment link product due to some reason. But still doing the readings to understand the mechanism. Having said that, how to upgrade to ILP but keeping the med card which already enforced?
Just keep your existing medical card and get an extra medical card to top up your coverage? We don't really encourage switching medical card from one to another. Never.
by the way, what is the features of ILP that attracts you?
I am not sure i get your question or not
iv) should i dont want to upgrade to ILP and just want to upgrade the standalone med card to plan 3, is there any waiting period or other restriction await?
Yes. You can do it during POLICY ANNIVERSARY. No restart of waiting period. However, this is subjected to approval. And, if claim (small claim usually no problem, let say cancer claim) during the upgrade period, you claim for IMPLUS 2 and not IMPLUS 3 because it havent approved. Let say it is approved but claim for cancer in a very short period? This is very headache. This case will need to investigate. However, my answer is no absolute correct regarding the claim, because this is a grey area.
V) reason is the low R/8 and lifetime. Even only need to pay rm50 per admittance, but with R/B only rm180 will make me still need to pay few hundreds ringgit for the excess R/B. Nowadays very hard to find room below rm200 and very limited if any (at least based on my frens experience). So in the end even without copayment, i still need to fork own money whcih is getting worse the longer the stay. But problem reduced if i can get plan 3
thanks..
It depends on what kind of room and hospital you are looking for. Is single bed room, yes, possible RM 180 is not enough. If twin sharing, i think still possible in Klang Valley area.
p/s Already start reading this topic from 1st page to understand on the ILP things, found lots of great info discussion. And suddently found my old posting when start asking med card 6 years back ;P neway anybody knows where can i get comprehensive explanation on the ILP especially on the distribution n calculation?
You can get it from agent that know about ILP XD
Tq
I hope i answer your question Welcome
i) is it true ING standalone med card dont have copayment including outpatient treatment?
RM 50 self deductible only applies for hospitalization and day surgery benefits.
Others like "out ofhospital benefits" such as emergency accident outpatient treatment, Post hopitalization or day surgery follow up, Outpatient cancer kidney disalysis, no self deductible.
ii) if true then no need to upgrade to investmint link one since automatically will lost the no copayment benefit. Or can choose to stay the one without copayment even upgrading to invesment link? Can upgrade to plan 3 for higher R/B and lifetime..
Now you are in IMPLUS 2, if you need extra limit, you can choose
1) get another medical card (ILP-PRIME Mediplus), so you have 2 medical card. You can claim from ILP medical card first and the excess claim (exceed annual limit or life time limit or exceed R&B limit or ICU limit or 10% co insurance) from standalone medical card.
2) Upgrade to ILP PRIME Mediplus but the difference of ILP and standalone are, ILP has 10% co insurance yet with higher annual limit and lifetime limit.
3) Or upgrade from IMPLUS 2 to IMPLUS 3 upon policy anniversary. Subjected to approval.
iii) reason asking becoz currently have been looking around for investment link product due to some reason. But still doing the readings to understand the mechanism. Having said that, how to upgrade to ILP but keeping the med card which already enforced?
Just keep your existing medical card and get an extra medical card to top up your coverage? We don't really encourage switching medical card from one to another. Never.
by the way, what is the features of ILP that attracts you?
I am not sure i get your question or not
iv) should i dont want to upgrade to ILP and just want to upgrade the standalone med card to plan 3, is there any waiting period or other restriction await?
Yes. You can do it during POLICY ANNIVERSARY. No restart of waiting period. However, this is subjected to approval. And, if claim (small claim usually no problem, let say cancer claim) during the upgrade period, you claim for IMPLUS 2 and not IMPLUS 3 because it havent approved. Let say it is approved but claim for cancer in a very short period? This is very headache. This case will need to investigate. However, my answer is no absolute correct regarding the claim, because this is a grey area.
V) reason is the low R/8 and lifetime. Even only need to pay rm50 per admittance, but with R/B only rm180 will make me still need to pay few hundreds ringgit for the excess R/B. Nowadays very hard to find room below rm200 and very limited if any (at least based on my frens experience). So in the end even without copayment, i still need to fork own money whcih is getting worse the longer the stay. But problem reduced if i can get plan 3
thanks..
It depends on what kind of room and hospital you are looking for. Is single bed room, yes, possible RM 180 is not enough. If twin sharing, i think still possible in Klang Valley area.
p/s Already start reading this topic from 1st page to understand on the ILP things, found lots of great info discussion. And suddently found my old posting when start asking med card 6 years back ;P neway anybody knows where can i get comprehensive explanation on the ILP especially on the distribution n calculation?
You can get it from agent that know about ILP XD
Tq
Welcome and no problem
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