Hi All,

I'm looking for medical insurance for 2 person. Below the summary info:

A:
Male, married, no kids
non-smoker, 34 yrs old
Electronic engineer (IT industry, work in office)
Annual income ~80K
Holds a medical card from AIA, but looking for top up on medical coverage.
Checked with AIA, my AIA plan is very old policy, and couldn't increase the coverage

B:
Female, married, no kids
non-smoker, 35 yrs old
Electronic engineer (IT industry, work in office)
Annual income ~75k
Holds a medical card from GE, but looking for top up on medical coverage

Any medical insurance allow to claim Chemotherapy if not admitted? For how many terms?

Hope to get some recommendation. Thanks

In regards to your question about Chemotherapy, you can refer to the product disclosure for Out-patient cancer treatment.

Best,
Jiansheng

1) may consider to increase existing coverage with GE before jumping into a new one.

2) as the previous person mentioned, most (i dare not say all) medical card out there will have a benefit that covers Out-Patient Cancer Treatment. Not heard of any limitation by duration specifically for cancer treatment. it usually follows the expiry of the medical itself. Of course, there will be t&c such as not covering existing illness, etc, but that applies to the medical card in general anyway.

Some companies have a separate limit for cancer treatment, some will allow you to claim but subject to the limit of the medical card itself. Some may even cover the consultation cost, test and also medications.

Hi,

You may upgrade your old plan if it's already phased out. Older plans and newer plans has it's pros and cons such as definition in a claim. However, due to the annual and lifetime limit is so low in an older plan, you may want to consider to upgrade to a new one if it's not worth paying such a high cost of insurance for a low annual amount of coverage. Unless you don't mind to maintain the old and new medical card.

Chemotherapy depends on whether the treatment done by the doctor is on a daycare basis where you need not to be admitted or you will need to admitted into the hospital to perform the chemotherapy. Both are claimable under AIA. Not sure about other companies.

This post has been edited by ckdenion: Apr 14 2017, 03:22 PM

To answer your question, for Cancer Treatment, unless the Doctor is able to justify that the treatment can be done as an inpatient it will be treated as an outpatient, not require to be admitted.

For Prudential, if the chemotheraphy can be pre-planned (example next week or two weeks later) then one may request the Doctor to fill up a form to request from Prudential a GL.

Hello,

I would just like to ask if let say now I have an insurance package with company A but I want to change to company B, if I sign up with company B do I have to start over again need to wait 120 day must not get sick bcs they won't cover you for the first 120 days???

Yes you will have to wait another 120 days. What's the reason you plan to change company?

Yes the waiting period will start all over again

yeap. make sure ur medical insurance with Company A is active for another year ya. don't cancel the plan even after 120 days just in case.

thanks

有谁是 Allianz, Axa Affin, Pacific, 和 MCIS 保险 Agent 吗?

This post has been edited by Dannyhjw: Apr 21 2017, 09:24 AM

Reporting in. How can I help You?

What are you looking for?

Hi , How could I assist you?

hello, mr Roy or any prudential agent out there, i got a question.. ive got prulink insurance from prudential of course since 2012.. the thing is.. i dont feel that my coverage is enough for the upcoming 10-30 years. let me break it down:

1. CI and TPD = 10 k
2. Anual limit = 200 k
3. Lifetime limit =4 mill

the thing that got me worried is, when i checked the finer prints, it says even though chemo and dialysis is covered, IT DOES NOT INCLUDE take home drugs, consultation and tests. Logically speaking the things that are not covered is kind expensive even now.

here are the questions:
1.I called pru hotline and they said i can only upgrade my CI and nothing else. they said they stopped selling the product already

2. However I am interested in getting a new policy like the new prulinkone (where there is no yearly limit and i can use up to 1 mill, does it cover everything during chemo and dialysis though?)

3. I asked my agent and he advised me to buy additional policy when im financially ready.. though im not keen on that as it will cost me more money, im not really well off

4.If i do change policy within the same company (prudential), will all my investment go to waste and i have to start all over again? Cuz in my review, i only start good positive cash value after 4-6 years paying insurance..

hmm i dont know what to do any advice?

yes, i know i can inrease my CI to 200 k (so i can use that money to cover the take home drugs etc) which will shoot my premiums to RM 270 per month.. but the thing is newer products by prudential are essentially a lot better with cheaper cost.. kinda anooyed TBH

This post has been edited by arilrifter: Apr 21 2017, 11:26 PM

additional info, just in case u find it helpful.. ive already admitted twice, once for some mild infection, and second one for sinusitus.. total claim around 19 k.. my monthly premium as of now rm 179.. will it affect anything.. I am already paying for 2 additional medical card for my wife. RM 79 premium zurich takaful standalone.. and a recently purchased PRUBSN with RM 270 preium monthly.. will cancel the zurich in 6 month maybe.. so asyou can see.. kinda drowning with medical coverage.. only i feel that my own coverage will be inadequate

This post has been edited by arilrifter: Apr 21 2017, 11:22 PM

You don't have to purposely buy another Policy.

Just speak to your current agent to get the necessary upgrade and atleast if you get any loading, exclusion or rejection for your previous 2 claims, at least you're still covered medically based on your current medical benefits.

This post has been edited by lifebalance: Apr 22 2017, 10:53 AM

You should go to a branch with (or without) your agent to inquire on the upgrade options.

Usually what I do with my investment-linked portfolio is this:
I propose to them to upgrade on medical coverage, and how much additional it will cost them.
They answer a series of health questionnaire and submit it for underwriting.
This is usually possible with an investment-linked policy.

Relevant to your case there should be a medical examination where you go to a panel clinic to do a medical exam.
The report from that medical exam will be sent directly to the company.
Depending on the medical report from that exam, the company will either 1) approve, 2) approve with loading, 3) approve with exclusion, 4) decline.