>10 mins, during lunch hr..

long time ago the agent already gone to another world..

anyway, have this sorted out at branch.. thanks everyone..

Oh wells.
I guess you're not gonna answer my question.
So much for a self proclaimed consultant 

Dear Everyone

What is the best insurance for 2016 for personal

i was looking for to medical in term of hospital , some say choose great eastern some say maa insurance , i just comparing and see which is good

Wonder staff or spouse of staff of insurance company entitled for better deal for getting the insurance from the employing  insurance company?

hey can i ask something, is there policy loan from insurance in malaysia? whats the interest rate like?

7% ! thats high, i presume interest is daily basis? whereas repayment is ad hoc basis unlike bank right?
thanks for the info! 

Just some random questions that pop up from my head, I'm currently having a medical insurance with AIA and I would like to ask:

1. If I was diagnosis with mild dengue that would not need me to be hospitalized but still required me to pay for my med, can I claim using my medical card?

2. If I accidentally fell and break my wrist and still no hospitalization required but required to put a plaster on. Will my insurance be able to pay for it?

3. This happens to one of my colleague, her wrist was diagnosis with crack and experience pain regularly and slowly becoming more serious due to long hour of sitting in front of computer and using the mouse which puts a lot of stress on her wrist. There are few remedies, one is through surgery and another is acupuncture. Her doctor recommended her acupuncture but the full treatment was more than 10k. She tried approaching her insurance company but they refuse her claim. So I was wondering does apply to AIA as well?

I've updated my comparison table as attached.

Seems like AIA has an advantage over Prudential and Allianz.

Thoughts / comments please?

Seems like investment not attractive at all.

When talking about projected returns, I always focus on conservative or realistic figures. Anyway this is medical / life insurance not really an investment vehicle for me. The returns are just to cover a portion of the monthly premiums.

I have other real investments where the returns are far better.

1. Not claimable unless there is an admission. Prior to the admission the resulting blood test results must show evidence that there is high fever. Otherwise the request for admission would be rejected.

2. You may get treated under the day surgery and it is claimable.

3. Acupuncture is not claimable as it falls under alternative treatment. Otherwise we may see claims for bomoh, sinsei and whatnot.

One of the terms and condition for the medical card is that it must be a certified Doctor and after the treatment, the patient gets well, if not better.

Thanks for the reply, for 3 question, my colleague did try that but the claim was rejected, so I hope this won't happens to AIA. 

What is policy loan?

i have heard many colleage mentioned GE Smart Extender give lifetime no limit

what is the pros and cons?
i read from here https://www.greateasternlife.com/my/en/pers...t-extender.html

why the patient cannot claim full 60k from the SE60K plan when the deducible is 60k annual?

thanks for the info

i notice there is other plan as well like 120K plan
meaning that if it is SE120K plan, have to reach 120k from original medical card only can claim from extender?

e.g.?: 130k claim in a year, 120k from original, 10k from SE120k plan? am i right?

then why peoples said it is lifetime no limit 
after that finish all the allocate limit from original medical card, then all claim from extender?

is ok, just want to understand more here

so extender just additional plan for more coverage in summary... because i keep on getting info from friend or colleague their plan is unlimited life time, i was wondering how it works

thanks anyway

Put it this way... if it has a deductible amount, in this case 60k (60k per policy year), so every year, as long as the customer bear the first 60k (whether with another medical card, or with your own money), the hospital bill willl be claimable under SE60k, and not subject to lifetime limit.

Example:

1st year hospital bill... 300k... SE60k will cover 240k
2nd year hospital bill... 3mill... cover 2,940,000
etc... etc...

No lifetime limit lo.

My point is trying to tell you, yes it's true it is no lifetime limit, BUT not as straight-forward la. i'm not supporting any insurance companies, just laying out the facts.

That's kind of complicated. Why don't just simply get a medical card that can simply throw into any hospitals and let the card settle all bills, you walk out from hospital after you being treated and not even bother to call agents for help or with any cash or with another medical card