As consumers, we need to protect our own interests as well. Nobody in the world can guarantee us abnormally high returns, we all know it when it sounded so "fishy". When the agent gives a 13% projection, we got know for ourselves if that is right.

If we cannot take risk, then keep the money in FD and buy a traditional policy instead of an investment linked policy.

That's why I never go to private hospitals, because is a known fact they simply charge

Something like rm100-200, under A&E if using card. If own self pay, rm50-100, subjected to their discretion

It's a hospitalization card. Not a clinic card.

Only applicable through company group insurance. You can refer ur HR to me and I'll cover your company under employee benefit. Unlimited clinic claim benefit

Under AIA.

Prudential also dont have clinic card.
Most of them get it Group insurance

normally medical card is common term. Medical card is used  to hospitalisation and surgecal. When to use it are subject to doctor consultation.

For fever, flu or normal sickness, is not usable for medical card except doctor ask to go hospital for further screening or hospitalise. Example having dengue. Few days of fever n cool, then doctor will ask u go hospital.

For normal sickness, there r company provided by AA(asia assistant) and SOS. These company provide clinic card for employers. There are many packages and caption per visit.

as for  insurance companies. They do provide medical group insurance to employers. These group insurance void once u retired or leave d company.

As long as you're required to stay in the hospital then you can claim when the doctor admits you. Of course you will hope to be healthy all the time

Yup.. you got it right but make sure your doctor know how to write a good report.

Secondly, u r paying too much on your medical protect per month. mind share with me your room and board rate, and limits?

Wow.. you knw what.. whenever i heard old plans.. i will b silent. How old is old?

Anyway its ok if you can update n review it every 4 to 5 yrs. Make sure your plan can cover your desired private hospital rate. If not you surely curse your agent. I can say your room n board rate 90% same as those paying 300-400 per month.

Paying rm900, no wonder.

Commit suicide are excluded as far as I remember if they can prove it
Best way is drive a normal car, make it skidded and whack some walls. It won't be obvious.

Suicide 1 year later only can claim for new policy.

Well, better check back your policy, remember, insurance agents will only cheat and mislead to secure a business.

Yup..commit suicide need wait a year...haha

Free umbrella? Oh boi..do you know that you can ask for few hundreds dinner for that 900 per month.

One thing for sure, you will get more policies in your coming years if ur finance survive or the other way chopped off all policy like super sounds.. 

My advise not to bind medical with saving and life n others

If your plan took out medical I can guarantee your saving will be more because among insurances medical is d most expensive one. When you buy together, they will give you a so so medical protection if not you won't be able to see a positive figure in your saving.

Reward is good for people doing their job but remember one important thing is insurance is for yourself. Anything happen to you, you claim it not them. Insurance cannot be entertain or help others.

It is ok if your financial allows to help anyone, but not on medical protection because from time to time, you see news in newspaper or online media. Many ask for donations or sponsorship on medical expenses. If I not mistaken, last year BNM reported that major bankruptcy are from usage of credit card for medical bills.

Don't take insurance for saving especially medical card. The saving won't save the day if medical is under cover. All it needs one sickness to mess up the entire life and family members also drag along. Saving can't buy life.

Reward for yourself and family are much more important than to others. Nobody will look at you when you got problem. That's why always say it is better to be prepared before it come . Crossed finger hope it will never come.

Once again, insurance is for protection and not investment. No matter how many shown you how good their performance in saving or investment. To me it means, the insurance company is making money not you. I can give you a tips, check on your policy(only shown in new policy), u can request them to print for you. Their management charges for your cash is arising every year. How much would it be? That's a job for you now..go find out...you would say it is ridiculous of so much amount per year being charged vs with strictly financial institutions .

AA can help you on that. If not wrong, their office at jaya one.

Good luck on your claim, my car insurance with Etiqa when submitting the claim were the best, about 2 months waiting after submitted all the documents:thumbsup: