Yee of course.

Great Question...

Why not just get a non-co-insurance policy? Save the trouble of claiming the balance from other company?

For Allianz medical card, no overall annual limit as well.

LOL perhaps you are missing the question there.
The question is, can the co-insurance incurred from 1 insurance policy, be claimed using another policy?

The answer is yes.

Uiks, am anticipating the answer to be no.

Then how does 1 claim for this?

Provide the hospital bill to 1 ins co, and then the receipt for bill paid to another ins co to claim for the 10%?

+1

This is quite common sense, the co-insurance is base on the policy, not longer partial of medical bill.

Impossible the co-insurance can be claim, unless Prudential bill the co-insurance as medical bill

Anyone can advise what is the best & affordable medical plan in the market?

I'm trying to get one, but confuse the plan they offer.

They are many medical plans even under one insurance company depending on your objective and budget. For exmaple:
1. Cost of room and board
2. Annual coverage
3. Aggregate lifetime coverage
4. Plan cover until what age
5. Number of days covered in a year during hospitalisation etc

Regards

This post has been edited by freewisefly: Nov 18 2013, 02:40 PM

Sorry I have no ideal about these thing

I never have any medical insurance before

Can be done in Great Eastern for the co-insurance from other company, I'm not sure the T&C for other companies. Perhaps you should check with respective companies's representative.

You will need to submit the claim settlement details from another insurance company.

Hi. This is where it's best to get some qualified experts to brief and explain the medical benefits. Once you are cleared, then automatically you can appreciate how much budget you are prepared to pay now and later upgrade based on your affordability at that time.

Regards.

If I would like to ask to review policy but I don't even know who is my current servicing agent because my previous agent has resigned, how do to that?

I remembered previously GE offers protection upgrade. If I have reached certain ages bracket, this will trigger for policy review and potentially a protection upgrade offer?

This post has been edited by David83: Nov 18 2013, 10:00 PM

Summoning ExpZero for GE

No need to summon anybody. Just give me input or I just call or walk in to the CS or office.

Yes, from time to time Great Eastern will send a protection upgrade letter with minimum premium increase. AFAIK, it's only for individual who having less than 50k of sum assured.

I'd like to seek advice from all insurance experts,

If someone plan to buy a medical card and in last 10 years he got a disease and recovered already.
Should he declare to the insurance agent about this? Because after 7 years, should be no record can be found at government hospital.

Please advice. Thanks

There will be no need for declaration

er.. Alex, no need to declare something which can "impact" the underwriter's assessment of the risks and whether to accept the case or not?

Based on what reasoning / legally needn't declare?
7 years? Other than 7 years for keeping records for tax & legal purposes, there are legal conditions for insurance where one doesn't have to declare?

Clarifying coz it's a contract between customer & Insurer and certain withholding of information (non-declaration) which has impact on the risk assessment or cost of coverage may come back to bite the customer. Worried neh

Please be more specific,
1)What kind of illness? accident?
2)What is the impact on that time and is there any impact to him currently?
3)Is the scar(if any) is visible physically?
4)In between the 10 years, do he seeks any medical advise from another party?
5)If it's fully recovered, why do he still afraid of declaring it?

All pre-existing illness has to declare to avoid non-claimable issue in the future. However, it's depends on your agent's experience and skill to declare and negotiate a better term with company.

FYI, if the above case is breast cancer happens 10 years ago, Mastectomy has been done and fully recovered. In future if there is a claims for example nose cancer, the doctor will definitely saw the mastectomy and once the doctor submit the claim form by mentioning mastectomy as pre-existing illness and yet the client didn't declare.............
Well, you know the Guarantee Letter will definitely decline. The second sad news will come upon discharge, the policy owner will receive another "love letter" as the policy is voided due to non-disclosure.