I have a question on excess claims

I stayed in a RM350 room under a RM300 company medical card. I was subjected to 50 per day excess charge as well as a coinsurance of 1000

I have a personal medical card of 400, what can I claim? Am I able to claim the unutilised portion since I stayed a lower room based on my personal medical card 400?

Both are Allianz cards

Because Allianz is going for volume, it's the only one with huge growth last year

What was ur aia coverage like? Standalone ?

I really hate it when insurance agents hard sell their product to the point of miss-selling instead of educating prospects.

As for why these coverages aren't offered here, I would say that our insurance market is still not matured enough hence we only have the usual basic coverages.. Some other countries offer vision, dental and even phone insurance.

I think these are loss making insurance that matured markets use to lure clients hoping that they get other products. Well just my two cents