Apr 1 2012, 01:38 PM
QUOTE(blu.sockz @ Mar 15 2012, 05:52 PM)
Hi guys, i know i can find many helpful agent/non-agent from different insurance companies here. I need advice in looking for a medical card/plan.
Here's my detail:
-29, non-smoker,office worker.
-Currently already have a life-ci-tpd plan for 3 years.
-am looking for a long term card that can be attached to a plan in hope that future fund/cash could somehow help reduce the card cost in future.
-currently company provide medical card for coverage.
I've look at a few cards in general (but not in detailed) and of course each has their strength for comparison. Below are my concerns and please add on if you see fit.
ING - No co-insurance which is good but low annual and life limit coverage in comparison. Generally talking about middle range plan of RM180/RM200 where the coverage is the limit is 110,000/330,000. Do you reckon this is a low in seeing current and upcoming trend of inflation as well as medical cost?
PRU - Has co-insurance and can add premium (need to pay extra) to get hospital allowance to kind of offset it. Premium wise is of the higher range and expensive. What other benefits to it that justify its higher range premium? appreciate your points for discussion sake.
Alliance - one of the most competitive premium i would say while it gives high coverage. As noted, it mentions that the claims are mostly subject to Reasonable customary charges - how can we get more details about this clause?
Above are the only plan that i manage to get some information for comparison. And below are the other questions that I hope to get an answer from these companies:
1. if exceed room and board limit (say 200), will there be 20% co-insurance or additional charges?
2. are they guaranteed renewal? if yes, till what age limit & then subject to yearly?
3. do you see the need in topup cash to the fund (for ILP) in the later stage? as early as 50?
I think prudential new medical card would be a great choice for u then.
1. Above room n board, u pay the difference. Below the room n board, u get re-imburse. Then deductible of 300 or 0 per disability is a choice if u really want to limit the amount u opt to pay incase of admission.
2. Guaranteed renewal is good, but subject to company portfolio withdrawal. Therefore, look for non-cancellable. Whereby, company not allowed to cancel ur benefit as long as u pay premium. (best for client benefit) fair!!!
3. Topup cash for ilp is possible as inflation is getting bad to worst. We can only work harder to make sure we can afford living in future.
PM me if anyone need further details.
Regards.
That's all i have for now, thanks
Here's my detail:
-29, non-smoker,office worker.
-Currently already have a life-ci-tpd plan for 3 years.
-am looking for a long term card that can be attached to a plan in hope that future fund/cash could somehow help reduce the card cost in future.
-currently company provide medical card for coverage.
I've look at a few cards in general (but not in detailed) and of course each has their strength for comparison. Below are my concerns and please add on if you see fit.
ING - No co-insurance which is good but low annual and life limit coverage in comparison. Generally talking about middle range plan of RM180/RM200 where the coverage is the limit is 110,000/330,000. Do you reckon this is a low in seeing current and upcoming trend of inflation as well as medical cost?
PRU - Has co-insurance and can add premium (need to pay extra) to get hospital allowance to kind of offset it. Premium wise is of the higher range and expensive. What other benefits to it that justify its higher range premium? appreciate your points for discussion sake.
Alliance - one of the most competitive premium i would say while it gives high coverage. As noted, it mentions that the claims are mostly subject to Reasonable customary charges - how can we get more details about this clause?
Above are the only plan that i manage to get some information for comparison. And below are the other questions that I hope to get an answer from these companies:
1. if exceed room and board limit (say 200), will there be 20% co-insurance or additional charges?
2. are they guaranteed renewal? if yes, till what age limit & then subject to yearly?
3. do you see the need in topup cash to the fund (for ILP) in the later stage? as early as 50?
I think prudential new medical card would be a great choice for u then.
1. Above room n board, u pay the difference. Below the room n board, u get re-imburse. Then deductible of 300 or 0 per disability is a choice if u really want to limit the amount u opt to pay incase of admission.
2. Guaranteed renewal is good, but subject to company portfolio withdrawal. Therefore, look for non-cancellable. Whereby, company not allowed to cancel ur benefit as long as u pay premium. (best for client benefit) fair!!!
3. Topup cash for ilp is possible as inflation is getting bad to worst. We can only work harder to make sure we can afford living in future.
PM me if anyone need further details.
Regards.
That's all i have for now, thanks
Quote
By the way, u are right on the higher premium. My question has been answered 
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