You may ask your agent whether he has submitted MAR from your previous hospital.

Nevertheless, SOP of having benign cyst, fluid gland etc will have exclusion unless you removed it and appeal after a few years of non-recurrence with latest report.

I'd recommend you to add SME because it's cheap, what's your new agent's comment on your question regarding the daily meal?

Yeap, it's under R&B, why do you OMG?

You may check your policy,under page 5 of 14 Smart Medic. it stated
Hospital Room and Board
Reimbursement of the Reasonable and customary Charges incurred for Medically Necessary room accommodation and meals.

As my past experience in Actuarial Department, "what you paid is what you get" always true in Insurance because all the insurance company using the same life contingencies and assumption table and we need the approval from Bank Negara Malaysia before the product is launched.

The only different would be the fund performance and background of the company and the experience+responsibility+longevity of the agent servicing you.

20% up to a maximum of RM3000, You may claim this co-insurance under your PMM3.

Use SM200 first then claim the remaining under PMM3.

Yes, your medical card does come with RM3000 capping.

All the changes made will take effect for previous policy as well.

All the companies's executioner know that original only got one, imagine that they have to process ton and ton of death claim per day, they are very experience in the claim process as they knew if they are late to pay by even one day, they will get complain up to BNM level.

Verdict: Death claim is claimable in certified true copy format.

1)Medical bill is only claimable with original documents. The reason due to it is to avoid fraud(double claimant of hospital fees).

However, From Great Eastern(I'm not sure the term&condition from other company) that it's claimable from the second card if the first card is out of limit.

Well, how does it works?
When ones hospitalize for RM120,000. He is having a card with Zurich annual limit RM50,000 and Great Eastern limit RM100,000. He able to claim the first RM50,000 using Zurich medical card cashless. But, he has to prepare RM70,000 cash to pay the hospital first then only it's reimburseable by Great Eastern.

Well, why don't I use Great Eastern card first then I pay RM20,00 cash and get back RM20,000 by reimbursement from Zurich?
I'm not sure either other companies allow claim from second card. If you have claimed RM100,000 from Great Eastern but the RM20,000 is not claimable from Zurich then it's too bad.

You said insurance company only accept original medical bill?
For the above case, you or your agent have to submit Great Eastern the bill certified true copy bill by Zurich.

In Great Eastern, other company co-insurance or deductible is also claimable in Great Eastern.
Refer to the attached file page 2 for your reference with example and scenario.

2)Yes, death certificate is claimable with certified true copy by Commissioner of Oath. for all the insurance companies.

I have been in this industry for long, I'm a Great Eastern scholar and also previously work in Great Eastern as Management Trainee staff, I have been designated from Claim/Agency/Customer service/Health care services/Actuarial/Product marketing within a year. I know the processes and procedure very well.

However, I'm now a full time agent from Great Eastern, do pm me if you are interested in getting a new policy or have doubt in insurance's procedure.

This post has been edited by ExpZero: Jul 13 2013, 01:43 PM


Attached File(s)
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Sorry, it's quite hard for me to understand your statement.
yes, with payment.

No offence bro, a good friend of mine is doing Pacific, it's cheap but please read the T&C.

Hi, your Great Eastern valid within 90 days after you left Malaysia.

Haven't got any news so far for this great news, but I doubt it will happen.

Yeah, premium increase not due to Cost of Insurance, it's due to BNM tighten up the projection rule and the projection have to set aside more money in cash value. It's not a bad news afterall(compare to increase of COI), at least it "force" people to save more money.

Unless medical expenses which is reimburseable based on the receipt, all the other like Life insurance, 36 Critical Illness, PA etc are fully paid upon occurance of the specific event.

It's okay to top up your investment link to increase your life protection and treat it as MLTA. However, Investment link's insurance charges tend to increase with age. You may also option to purchase a traditional life coverage to fixed your insurance charges because the insurance charges for traditional plan is fixed at the inception date(the day you bought the policy).

The RM300-RM500 is not "admission fees". Most of the hospital require patient to set aside a deposit, it works the same like when we check in into certain hotel where they require us to set aside a few hundred as deposit to be deducted(if any).

The RM300-RM500 is refundable upon discharge after deducted all the necessary charges(if any).

Usually in Great Eastern, a medical card that inforce 2 years and above will be able to get GL almost immediately. Well, at least it never happen to my client who have bought over 2 years and still required investigation.

Personal Accident, 1 million coverage RM700++/year, 100k about RM100.

This theory works the same like term insurance.

For example age 20 buy term 30 years, premium RM1000/year, but age 20 buy term 10 years, premium RM500/year.

Mortality risk is different, you are buying the right on 70-80 years old.

This post has been edited by ExpZero: Sep 29 2013, 11:33 PM

Well, most of the policyholder would want the agent to stay as near as possible as that would make policyholder easier to consult the agent's advise when unfortunate/claim happens.

However, I do have client which is as far as Singapore, Penang and Johore, and I'm able to give them support though phone calls. If it's serious, I might visit them in their state. If it's not serious, I'll send courier service to pick up the original receipt for reimbursement. Afterall, when emergency happens, policyholder should find doctor and not agent

The most importantly is the service and the competencies of your agent. If your agent is good, he will able to help you even it's far, if he isn't good, he can't help you even he live your next door.

Most of the agent who has been in industry for more than 5 years are hardly quit the industry, due to the renewal or premium and responsibility in this business. However, it is case to case basis...

Focus on annual limit, no inner limit for kidney dialysis and cancer treatment. These are the most crucial benefit you should look into when purchasing medical card.

Yes, company will accept certified true copy from commission of oath(Persuruhjaya sumpah)/ Agency Manager.

This topic has been discussed for numerous in this thread.

No idea about the claim period comparing both original and CTC. I personally have submitted several times for my clients for several companies at the same time. The payout period is about the same from all the companies.

I believe they have the system to communicate with the authority regarding the legitimate of the death claim.