Hi,

For AIA medical card, we have family plan which covers insured and spouse and even up to 4 children as well.
If you would like to discuss more with me, kindly send your details and inquiries to cheahyang.lim@aia-premier.com.my

Good news! All medical cards issue by AIA from 17 June 2013 onwards shall not be subject to co-insurance (except for A-Plus med plan 100). And the additional room and board whilst overseas will include Singapore and Brunei as well. Effective date shall be from the end of August onwards (actual date to be confirmed later).


Regards,
Gavin Lim from AIA Bhd.

This post has been edited by gavin_lim: Jul 27 2013, 01:59 AM

Any ideas what I can do if my agent doesn't reply to my emails? Can I just transfer and appoint somebody else without going through him?

And anyone here know any insurance that covers people who lives in strata buildings i.e. flats, apartments that also covers lift/elevator breakdown, accident etc.

1)try calling your agent . . . sometimes he is busy cant able to check the email . . . if call also didnt pick up, than you can consider finding for a new 1

2)get a personal accident plan, covers 24/7 regardsless strata building, when you are driving or on holidays
RM100K is around the region of RM160-RM200 p.a

yup singapore and brunei are consider local now

huh? means 90 days are not applied to Singapore and Brunei? which insurer has such benefit?

Hi guys, if i only buy stnd alone medical card only .but at in event i kena critical illness... Can i use my stand alone medical card for my treatment???

Only AIA give you this flexiblity

Check out HLA MajorMedi, a complimentary plan for those who already have a medical card but need MORE coverage at fraction of cost, yet keeping existing.

Wise for short term and fool in a longer term?

There is a reason for ILP/UL doing well now...

^ There is absolutely no reason for your comments to be personal, its their choice to go term.

Mo Man Tai buying investment link medical card, term medical card or even never buy. End of the day just be happy with what you have decided. But dont let your decision hunt you later back in life.

Don't get to personal as you might be the one.

What does GCP payable term mean in Insurance?

Guaranteed Cash Payment

Bos, mind if i ask, your term medical covers till age 70 or age 80?

I don't recommend anyone get up till age 70, but none of them afford to get cover up to age 80. I do consider this as one of the fact need to consider. So my answer is covers up to age of 80. How much would your insurance charges for this coverage at this age, if you don't mind sharing with me. Thanks.

freewisefly, at older age, most of us had fulfilled our responsibility as a parent, whereby the children are all grown up. Hence having a high coverage on life/critical illness after retirement (> age 60) would be a burden.

However, this is also when we lose our company coverage for medical benefits and the chances of us contracting illnesses (diabetes / blood pressure) at older age are much high as compared to when we are young.

Most of the people I had as my client is having one or the other issue at age > 50, which complicates getting a medical insurance.

You could take a look at our PRUsenior med plan, a plan designed for taking care of the huge burst of medical bill. A plan medical card, with possibly the lowest insurance charges around.

<< PRUsenior med >>

The benefit of the plan includes:-
1. Medical Claim up to Rm225K per plan
2. Death benefit (RM5K)
3. The premium is locked and it is based on ENTRY AGE and it will not go up by age.
4. Guaranteed renewal up to age 80 (next birthday)
5. High entry age (up to age 70 next birthday)
6. More relaxed underwriting, for example if someone is with hypertension, under control with meds it is also able to be accepted without loading.

The only catch is it is for in-patient it is subjected to RM3K (Plan 1) & RM 6K (Plan 2) co-insurance and 10% thereafter. For out-patient, there is a 10% co-insurance.

Thanks bro, I had few question need to be clarify. Pls assist me. Thanks
Is there any bigger room and board such as rm300-500?
Is there any limit per disability?
Is it cover internationally?
Any cash allowance during admission?

Thanks.

1. Is there any bigger room and board such as rm300-500?
No, and at the moment, we have no plans to make any increase or upgrade the plan. The tagline for this product is AFFORDABLE premium at older age. If we add this and that, the insurance charges will of course be higher :-)

However, if the client want to get admitted to a higher room, the client is required to pay the differences of the room rate. No penalty for staying in higher room.


2. Is there any limit per disability?
Once anyone had claim up to RM225K the policy will end. For example if the total bill per disability is RM 225k (one shot due to serious illness or accident), the client is required to pay

a. Rm3K minimum co-insurance
b. 10% thereafter for RM 222K = RM 22,200

Total paid by client = RM 25,200, Total paid by Prudential = RM 199,800

3. Is it cover internationally?
For medical card in Malaysia, if you stay more than 90days overseas, then it is not covered.

4. Any cash allowance during admission?
Not on PRUsenior med and the concept of getting cash during admission is seriously wrong. You end up paying for it with higher insurance charges.

PS. Eligible entry age is 45-70 next birthday

This post has been edited by roystevenung: Jul 29 2013, 10:48 PM

How much would it be at the age of 45? 65? 75?