Dear,

I totally understand. I want to point out that no annual limit, then there is a life time limit is misleading! No annual limit means unlimited annually! But there is a life time limit! Meaning annually its limited to the maximum of a lifetime limit! Which in this case its 1.5mil, 1.5 mil it self is a limit, how can there not be limit?

Dear,

The general terms of "NONE" is "NO" therefore the general understanding of none annual limit is NO ANNUAL LIMIT.

In this case Annual limit should be "Annual limit: Lifetime limit" or "Annual limit: 1.5 mil (same as lifetime limit)" and not ""NONE"

Please alter if there is any typo else the above is a misleading quotation!

Dear,

Annual is 1 year, life time is 99 years. So it is not a better plan to half no annual limit but with a lifetime limit. Misleading where annual limit falls back into life time limit (lifetime limited)

It is always better to have a high annual limit and no lifetime limit. Therefore claims can last a life time!!! Where as a lifetime limit, limits your claims in a life time!

How long do you life? No one knows, thats why life time unlimited is the advantage unless you only live for a year, which falls back to the mention limited claim 1 year (lifetime) only 1.5 mil.

Put it in a scenario, 1.5 mil medical bill in a year.

No annual limit, lifetime limit 1.5 mil
I live 30 years, how much can I claim a year? 1.5 mil, after 1.5 mil? Can I claim some more in that year, next year, next next year? Answer is no. Then bye bye for this medical plan.

High annual limit (lets say 1.5 mil), no lifetime limit
I live 30 years, how much can I claim in a year? 1.5 mil, after 1.5 mil?
Can I claim some more in that year, next year, next next year? Answer is, that year no, next year yes, next next year yes! Because there is no limit in a life time. Medical plan still continue.

Nuff said…

Dear,

You are correct but when that particular person is hospitalize don't gamble on the English dictionary for your life. Everyone knows no limit means infinity but the second clause state otherwise instead.

Dear,

It depends on what insurance coverage are you looking for.

1 Medical
2 Income replacement
3 Debt cancellation
4 Saving for retirement / for children education
5 Protection / inheritance

Also depends on what coverage you currently have…

Dear,

You are not sure how it works but yet you comment? Meaning you do not not know what you are typing!

Please do not mislead other forumers here as what you have quoted "Not sure" comment.

Based on the example:

Smart Medic Extra is a medical plan, it has an annual limit of RM90,000 (SE90k for RM90,000, SE120k for RM120,000, SE160k for RM160,000)

Smart Extender is a rider, it allows you to add this rider to existing GE medical plan. No lifetime limit.

Smart Extender Max is a rider, it allows you to add this rider on to any other medical plan in Malaysia.

Therefore there is the word "deductible"

Give a case study that some one holds an A company medical plan it has an annual limit of RM60,000. Purchase a Smart Extender Max rider from GE.

The medical bills come out to RM30,000 + RM30,000 + RM30,000 = RM90,000. That person would be able to claim the first and second RM30,000, total RM60,000 from A company medical plan. Due to its low annual limit, the third claim would not be allowed because it has exceeded its annual limit. That person need to pay the third RM30,000 by cash then reimburse back with GE's Smart Extender Max. GE will pay the third bill RM30,000. The deductible means total RM90,000 would need to deduct the first and second RM30,000, total RM60,000 then balance RM30,000 will be reimburse paid by GE.

Down the road on the same year, if there is any additional claim, that person cannot claim from A company medical plan any more because it has reached its annual limit. But able to reimburse claim from Smart Extender Max.

It is the same for some one who is holding a GE medical plan and add in Smart Extender Max rider.

Reason to have Smart Extender Max is to allowed other older medical plan (old medical plan has very low annual limit and lifetime limit) in the market to enjoy latest lifetime unlimited coverage.

Dear,

Based on your example, If you add in Smart Extender rider into Smart Medic Extra medical plan, its annual limit is RM1,200,000 not RM120,000. RM1,200,000 is refreshed annually, no lifetime limit.

Dear,

The examples above is based on your own scenario and other forumer's query. Please have a wider view. Smart Extender Max allows to ride on any other medical plan in Malaysia. I find that a plus point. The RM30,000 have to fork out due to annual limit.

Old medical plan is in fact has a low annual limit. How do you deal with it?

Dear,

Correction on your statement: 1. Medical card subject to 1,200,000 life time limit
1. Once you add in extender, no lifetime limit as i have already stated. Fully stated not half stated.

Correction on your statement: It is Smart Extender Max, not Extender
2.It allows to add on to other company medical plan including AIA thus deductible from AIA then reimburse from GE. No lifetime limit.

To answer your question.
If you do not know the difference between the two please ask wisely! Seriously.

1. Already stated Smart Extender SE120k annual limit is RM1,200,000 you wont have problem claiming the total RM350,000.

a. ANNUAL LIMIT RM1,200,000 no lifetime limit.

Dear,

Person A, buys medical plan A, from company A, 20 years ago. Has an annual limit of RM60,000. (older plans has low annual limit)

Person A warder 3 times, medical bills cost RM30,000 each. Total RM90,000.
Person A can claim first RM30,000 and second RM30,000 total RM60,000 from company A. The third RM30,000 wont be able to claim due to reason it has reached its annual limit.

If you have RM60 how do you pay for 3 items worth RM30 each, total RM90? Like it or not you got to borrow. Money dont fall from the sky.

The solution, Person A can purchase a rider from company GE. This rider is name Smart Extender Max, it allows a deductible amount (deduct RM30,000 + RM30,000 total RM60,000 from company A) (of coz deduct else can claim twice???) then what ever balance (RM30,000) reimburse claim.

Imagine this person A is 50+ years old, you expect person A to change medical plan? Chop from company A and change to other company in order to get higher annual limit and no lifetime limit? It is not advisable. Therefore the rider above comes in.

Dear,

The issue happen some time ago as their old medical plan has a low annual limit. What can you do if you own an old medical plan with low annual limit?

Get people aware of the latest medical plan with high annual limit and no life time limit. Thats all. Smart Extender Max wasnt born long ago. Its a new plan.

Dear,

Correction on your statement: 1. Medical card subject to 1,200,000 life time limit
1. Once you add in extender, no lifetime limit as i have already stated. Fully stated not half stated.
clearly you don't understand your product well, your medical card will still have life time limit subject to 1.2m
Your "Smart Extender Max" is subject to no lifetime limit with deductible on the original medical card limit

This sentence "still have life time limit subject to 1.2m" no stated by me. I already said with Smart Extender Max, annual limit is RM1,200,000, no lifetime limit.


https://www.greateasternlife.com/content/da...Max%20(Eng).pdf

Please read page 5 point number 19 clearly stated, Overall Lifetime Limit : No limit. No subject to anything as said by you.

Correction on your statement: It is Smart Extender Max, not Extender
2.It allows to add on to other company medical plan including AIA thus deductible from AIA then reimburse from GE. No lifetime limit.
- answered in 1.

To answer your question.
If you do not know the difference between the two please ask wisely! Seriously.

1. Already stated Smart Extender SE120k annual limit is RM1,200,000 you wont have problem claiming the total RM350,000.
is my question too confusing? let me rephrase it carefully for you.
a. Medical Card policy year 1/1/2016 - 31/12/2016
Customer A claim 150k on 1-Feb-2016 on the medical card.
Customer A claim again another 200k on 1-Aug-2016 on the medical card.
Since the customer has exceeded the RM120k annual limit on the first claim and claim 30k from the "Smart Extender Max"
On the 2nd claim for 200k, will Customer A have to fork out RM120k and the remaining 80k to claim from the "Smart Extender Max" since the Customer A has fully utilized the medical card annual limit on the first claim.

1. Already stated Smart Extender SE120k annual limit is RM1,200,000 you wont have problem claiming the total RM350,000.

Dear,

Kindly please answer my question.

Thank you.

Dear,

Brochure pun sudah kasi lagi mau apa? Of coz i am sure. Are you sure? After all you are not so sure right?

Dear,

Any one can apply of coz it is subject to medical condition, as it is a medical plan.

AIA can accept medical plan for people with medical condition without terms?

Dear,

Smart Extender - For existing GE medical plan or new GE medical plan owners to add in extra rider.

Smart Extender Max - For other insurance company medical plan owners in Malaysia to add in extra rider.

Both riders allow owners to enjoy high annual limit, no lifetime limit.

https://m.youtube.com/watch?v=fJIt4K9WqSA

Dear,

GE OCBC allows policy holders to enjoy annual premium return while pay monthly via (IPP, Installment Payment Plan) credit card without charges.

https://www.ocbc.com.my/personal-banking/Ca...tern-cards.html

Dear,

Yes there is co insurance but it is not recommended as even a 10% of today's medical bill is high not to mention future medical inflation. Any specific coverage you are looking at?

Dear,

We call it GSR, means you got loading. Mostly due to health condition.

Dear,

You can upgrade your current medical plan to a cashless one but it depends on your current insurance co or purchase another one from another insurance co.

One can own as many medical card from different insurance co but you can only own one medical card from one insurance co. Thus if you have 2 different cards at one time it will have to be from two different insurance co. Claim wise we have discuss here in this forum before, only one receipt is given to you thus you are able to claim from one of the two medical cards.