why we need a gud agents when buying insurans? doesn't our relationship just goes after we receive the medical card. anything happen we just contact the centre and no need to call through the agent. am i correct? or should keep in touch with the agent

wat? making claim also through agent? i though onli call the centre directly. then dis is absolutely a problem for me. my agent is ****

cannot submit myself ehh?

a malaysian company. the agent's name is miss *** after filled in application form and made payment, the agent just invisible till now. everytime i call her and ask the status, she said she will call be back. after 2 weeks and after 4 times promise to return my call, its never happen. fedup already then i call the centre directly. luckily she didnt makan my duit. but i dont know wether to proceed with dis kompeni. if bad agent wont affect the company's service to me, then i think its not a prob. but if i need to berurusan through the agent, then it should alarm something

pay by credit card for whole one year. cannot transfer the commision to new agent ehh?


medical card is cashless. need to make claim also eh? i thought it just like credit card, just need to swipe then everything setel. no need to claim. is it?

just want to know ur side story. do u will help all ur client when the commit to hospital? how if ur client far from u let say from other state?

the status is i'm still in the dark and she never contact me

i realise there r couple of insurance company that is onli agent to others insurance company. i mean insurance (medical card) from ambank, maa and, allianz, rhb and so on actually are under mediexpress. so is there any difference when we compare these insurance with insurance company that are on their own let say ing, aia and others? from my comparison, the benefit for insurance under mediexpress is higher but how about convenience? is it more complicated since it involve two party? and when we make a claim, actually we do it through the company we paid or directly to the mediexpress?

thanks..

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Added on February 5, 2007, 5:53 pmohhh one more thing..

if i want to terminate the policy within the waiting period, how would they refund my money? bank in directly to my bank account or give a check through my agent?



This post has been edited by mucklampir: Feb 5 2007, 05:53 PM

terminate? yeah sort of..

well seems dis topic becomes ours. hope others forumer don mind neway thanks for spend ur time for me

just for sharing..

I bought ING medical card standalone few years back. Last year they increased premium by 20%, which make me pissed off. That time i already displeased with the relatively low board rate and lifetime coverage (180 and 300k respectively). So when i was about to buy medical card for my wife n son, after shopping around i bought medical card under pruvantage. The agent told me on the co-insurance but up to 1k maximum.

I was ok with that since there is maximum copayment there plus i can get 300/day allowance after including that add-on benefit with additional rm300 per annum which i think worth it. After receiving policy, i read all the fine print and found something which quite shocking for me. The max limit of 1k only apply for hospitalization which means for prehospitalization, posthospitalization, home nursing, kidney/cancer outpatient treatment all need to fork out 10% copayment of total cost. No ceiling 1k anymore. And the best part is the allowance only cover the hospitalization. I said best part becoz earlier the agent said no need to worry on copayment since the allowance can cover that part.

Heheh felt misinformed. Then i double check my ING policy seems no copayment for all situation, only need to pay rm50 per admittance. Or is there any? AFAIK if doesn't mention in the policy that means no have. After double check also realised they have increased my lifetime limit by 10% and coverage age to 85 from 65 i think. Pruvantage only cover till 70, if want to cover more if not mistaken must take prulink which come with very expensive premium relatively. Suddently i feel great with my current med card. Heheh

but i still feel good with my wife n son's package especially the prupayor and pruparent thing which will waive the premium should something happen. If i were to choose to buy medical card for myself now i also dont know which i'll choose. Both also have own advantage..

Reason focusing on these 2 only:

- some other med card very good but has limited coverage for cancer/dialisys
- some other very good high coverage but has limited number of days of board, icu, etc..
- some other looks perfect but too expensive or attached to other package
- some have fine up to 20% of total cost if use board higher than daily coverage
- some very good, high coverage, low premium but dont have auto renewal such as sihat malaysia (still around!)
tq

This post has been edited by mucklampir: Feb 10 2012, 01:20 PM

hi maxwealth.. Thanks for clearing up few things.. Neway got some other bonus question if u dont mind..

i) is it true ING standalone med card dont have copayment including outpatient treatment?

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..

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?

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?

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..

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?

Tq

Hi Maxwealth,

i'm kind of interested with ILP due to:

i) to extend the coverage - currently my term insurance(critical+life) only cover me for 20 years with less than 15 years left which i'll be 46 by that time. i would like to extend it to maybe 70
ii) interested with the waiver thing. my critical illness cover me for 200k which could be drain later just to cover medical card for years to come (just in case)

am i correct that only ILP can provide above option? talked to my agent my term insurance can be extended but will be very expensive.

Anybody can please quote me for below requirement:

i) life - 200k
ii) tpd - 200k (cover till 60-70 age)
iii) CI - 200k (cover till 60-70 age)
iv) medical card - R@B >300, annual> 100k (cover till >80)
v) PA - 200k (cover till 60-70 age)

any good rider please try to attach (waiver, hosp allowance, etc). If possible please provide me a complete proposal package. Budget around 500/month. Details:

age - 31
sex - male
job - manufacturing at chemical industry; supervisory level
smoke - no


p/s maxwealth~ ING medical card got this magnetic line at the back mean for swipe which i've never seen at other med card. is there any additional benefit for this swipe thing? can proceed faster than other medical cards?

This post has been edited by mucklampir: Feb 16 2012, 08:12 AM

rm500/month plus minus..

Please quote me mucklampir@yahoo.com

tq..

hi V12, thanks for the clarification. after many years only i know what the layer means for..

hi Max.. thanks for the reply..



i thought the waiver provide benefit for both tpd and life when u declared got CI and cover CI and death once u declared TPD. isn't it the it works?



true.. that is the reason



yups.. that is the reason i'm looking for ILP to give thorough study whether it really can solve my difficulty and worth or not. if i want to stay with my current protection but meet my new requirement, i can increase both the sum assured and extend the years but the cost is very expensive. so now i'm comparing this cost with the ILP for long term one. i know if comparing it with current time ILP will win definitely but how will it be after many years. i've never involved with this ILP thing so all things are vague now. need to study all the ILP plan to see whether i really need it and which plan suit me most.

anyway many2 thanks for ur input. gives me a lot of different ways to think about the options and clarify many doubt.


thanks..

hi guys.. Anybody heard the new pru flexi medical card? Can choose any combination for annual limit and R/B, can opt for no co-insurance, if R/8 lower than limit then get paid for the difference, lifetime 20x annual. Any catch?

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Added on February 21, 2012, 7:36 amhi guys.. Anybody heard the new pru flexi medical card? Can choose any combination for annual limit and R/B, can opt for no co-insurance, if R/8 lower than limit then get paid for the difference, lifetime 20x annual. Any catch?

This post has been edited by mucklampir: Feb 21 2012, 07:36 AM

is the no co-insurance apply to outpatient treatment too?

if we already have big coverage for life, should we consider to have PA as well? Just for my understanding, in case we have tpd or die due to accident, the life+CI will cover also right?

if the CI cover death, will it cover death due to accident? Will it cover TPD due to accident?

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Added on February 22, 2012, 10:50 amif the CI cover death, will it cover death due to accident? Will it cover TPD due to accident?

This post has been edited by mucklampir: Feb 22 2012, 10:50 AM

for pruvantage medical card, how long does it take to claim hospital benefit (daily cash allowance)?

can't go faster?