Depends on how frequent you are in SG

Whether in the long run you'll be staying in Singapore more or Malaysia.

Then decide to take the policy in that country

Yeap thanks for adding on the statement that one card must have insufficient amount then only you can claim balance from the other cars

E.g 100k claim

Company medical card limit 30k. Personal card 100k

Claim 30k on company first, then the balance 70k pay first and file a claim under personal card.

This post has been edited by lifebalance: Apr 24 2016, 04:08 PM

ok, why not go engage an agent then

You can only claim from 1 medical card at any point of time, you can't separate medical bill. You can only claim from the 2nd medical card should you reach above the annual limit.

In this case,

You will have to claim from the 50k medical card limit first for the 1st and 2nd hospitalization, as your per hospitalization each doesn't exceed the 50k limit, you can't utilize the 2nd card which has 20k deductible

e.g
50k limit, you've used up 30k previously for claim purpose, now another surgery cost 35k, you can claim the 20k left from your first medical card then the 15k from the 2nd card.

However if your limit on the first card is left 15k, same scenario, you can claim the remaining 15k limit, pay 5k from your own pocket, and then balance 15k claim on the 2nd card. As your 2nd card requires at least 20k to be paid as deductible first.

I can help to perform a policy review and see how you can go about it.

Hi

Premium is very subjective. The lower your premium goes there will be a drawback in how long ur policy will last especially if it's an investment link policy.

Of course I can guide you through by doing a financial health check to see how much you need to cover

since you said like this, why share "P" medical card only ?

The reason for a high annual limit now is so that the medical card will be able to handle the inflating medical cost in the future. The treatment at current time might not exceed RM1 mil. But in the next 30 - 40 years, maybe.

The insurance company are giving a good benefit right now in terms of giving such a high limit. Yet consumers complain why so high. Whereas, previously, it's just up to RM200k annual limit, they keep asking why so low.

There is no perfect line to please everyone as consumers will continue to want the best product in the market.

So instead of "best medical card", get the 1 that fits your budget instead.

Your policy book is the receipt, meaning 2 weeks later after you sign up, the agent will deliver you the policy.

Insurance will cover treatment done in other countries depending on your insurance package.

Some insurance policy you have to pay first and claim later.

This post has been edited by lifebalance: Apr 26 2016, 11:14 AM

Hi,

I don't think I can advise you on this without reading the policy book as I wasn't an agent back in 1994. Will be good to meet up and read that book for you.

was calm then and still calm right now.

sorry le I'm not into product selling. I'm more of a consultant. You should ask those that like to compare the products but end of the day become undecided.

I can't comment much without first establishing what coverage you need based on your financial standing. Unless u can provide me some info

This post has been edited by lifebalance: Apr 27 2016, 04:40 PM

Sorry just saw ur update post,

"I can't comment much without first establishing what coverage you need based on your financial standing. Unless u can provide me some info"

returns will be quite subjective, as I'm not the agent proposing the plan so I can't really determine on that, it will affect you in terms of how long your policy will last.

1. Should be fine as the room and board will increase 100% in 10 year time
2. AIA panel hospital coverage is wide enough
3. As long as you're required to stay in the hospital per day.
4. 2 times per day until 240 days. Additional 2 more time if ICU
5. Doesn't make sense to separate the quote. The cost incur is higher. This idea doesn't make sense.

1. Increases by 20% every 2 years up to maximum 100% and until 10 years. In between if got claim then reset and restart on that %. E.g 40% to 60% in between the 2 year got claim then reset to 40% and have to wait 2 years again to reach 60%.
2. I don't think the client has to worry as we will reveal to him our panel.
3. As long as there is a physician visit then it will be deducted. Otherwise if no doctor visit then there is no deduction. Applies to both
5. Nope you're wrong. Separating the quote would incur higher cost due to extra administrative fees (Rm5-6) per month x 2 if you have 2 separately policies. Meaning you are double charged in administration for the same benefit. Either your premium is higher or your cash value is lesser.

This post has been edited by lifebalance: Apr 27 2016, 09:43 PM

1. No increase
2. Like I said he's the client.
5. Wrong again. It's not on %, I've already put the cost involved in the last post which is rm5-6 per month. If it's on %, everyone's policy would have lapsed by now.

Owner of the property must buy for his own property. Not the tenant

Since you insist to ask me to recommend a medical card, I feel that AIA medical card is quite good.

Don't agree ? Get another opinion since you're asking for a recommendation. Hope it answers ur question.

This post has been edited by lifebalance: Apr 28 2016, 10:09 AM

how long ?

I normally call in also 2 min can edi