Hi,

Yes, your current medical card annual limit is very low, wouldn't be able to cope with the constant rising on medical cost. Advice you to look into some other alternative to complement with you existing.

just for your information, HLA do actually offers medical card with low deductible. With deductible selection, you may also save on the insurance charges. You may refer to the link for more info.
https://www.hla.com.my/CMS/Product-Services...uct=72&Sub=1144

Hope this helps.

not definitely must buy from top 3 companies. as long as u r comfortable with the insurance company that you wanna buy with and most importantly the agent that you trust the most!

I bought standalone medical card before with AX_ , and offer me deductible option.

My case:
My company provide GHS cover up to RM20k. And I buy another standalone medical card AX_ and accept the deductible option, which is first RM20k will cover by my company and afterward will cover by AX_. The problem is AX_ did't provide me "Insurance Card" I have to pay first if anything happen and exceeded RM20k. My agent didn't tell me in advance. I like...

Please double check before you commit this so call deductible option, just sharing
Haha. I know just kidding 

But then again, no one can guarantee you will be working for the same company till you retire, nor can the company guarantee that they will be using the same insurer the next year.

HTH

I bought standalone medical card before with AX_ , and offer me deductible option.

My case:
My company provide GHS cover up to RM20k. And I buy another standalone medical card AX_ and accept the deductible option, which is first RM20k will cover by my company and afterward will cover by AX_. The problem is AX_ did't provide me "Insurance Card" I have to pay first if anything happen and exceeded RM20k. My agent didn't tell me in advance. I like...

Please double check before you commit this so call deductible option, just sharing
Haha. I know just kidding 

100% agree on this statement.
I have terminated the AX_ policy after the period expired as it is standalone and renew yearly.
Medical expenses is unpredictable and expensive, RM20k GHS provided by my company actually is nothing. Thus I have opted for proper coverage and High Annual Limit insurance policy.
I'm not saying that AX_ is not good, I just too lazy to read the T&C at that time when I sign the policy,  I made a big mistake.

Just sharing. Cheer.

100% agree on this statement.
I have terminated the AX_ policy after the period expired as it is standalone and renew yearly.
Medical expenses is unpredictable and expensive, RM20k GHS provided by my company actually is nothing. Thus I have opted for proper coverage and High Annual Limit insurance policy.
I'm not saying that AX_ is not good, I just too lazy to read the T&C at that time when I sign the policy,  I made a big mistake.

Just sharing. Cheer.

I have life insurance (ILP) + CI rider under etiqa for over 3 years already and the only annual statement I received was total premium I had paid for the whole year. There is no details on how much premium is for life, how much premium is for CI rider(to claim tax under medical 3k) or dividend(if any).
Is this the normal practice?
I don't even know if it was a good investment.

I bought standalone medical card before with AX_ , and offer me deductible option.

My case:
My company provide GHS cover up to RM20k. And I buy another standalone medical card AX_ and accept the deductible option, which is first RM20k will cover by my company and afterward will cover by AX_. The problem is AX_ did't provide me "Insurance Card" I have to pay first if anything happen and exceeded RM20k. My agent didn't tell me in advance. I like...

Please double check before you commit this so call deductible option, just sharing
Haha. I know just kidding 

But then again, no one can guarantee you will be working for the same company till you retire, nor can the company guarantee that they will be using the same insurer the next year.

When you get a plan with high deductible, it would be better if you can standby the deductible amount (Rm20k)  if the amount being claim is much more than the deductible amount.

For example, if the amount being claim is Rm60k, pay the Rm20k deductible in cash and use the medical card GL for the remaining Rm40k. After discharge, claim the Rm20k from your company insurance.

However, if the amount being claim is Rm25k, just pay the Rm5k and then settle the bill with Ax_

HTH

I have life insurance (ILP) + CI rider under etiqa for over 3 years already and the only annual statement I received was total premium I had paid for the whole year. There is no details on how much premium is for life, how much premium is for CI rider(to claim tax under medical 3k) or dividend(if any).
Is this the normal practice?
I don't even know if it was a good investment.

What are the plans available for people suffering from rheumatoid arthritis? Basic medication and treatment will be covered? And most importantly, how much is the payment a month?

Hi, is there any insurance plan that covers the full spectrum of outpatient treatment? I know most covers cancer dengue etc but I'm referring to all outpatient treatment that does not require hospitalisation.

yup, true, as i said as a muslim the source of the investment is better for takaful as the source is halal..

hmm, true about faraid.. but for my policy I've already stated who will recieve the money.. so i guess faraid would not be a problem? the same process goes to my wife prubsn.. she also named her own choice of nominee..

" I don't see there is any better coverage" ?? umm i meant that from the tons of quotes ive recieved on insurance products offered to me... i see that conventional insurance offers more in terms of annual limit, c.i and death.. the reason i chose prubsn takaful, simply because the agent that met me was more educated and convinced me he knows what he is doing.. dont get me wrong, there's a ton of agents that i met online that were excellent.. however the problem was they were mostly based in KL and im based in penang.. prefer agent easy to reach if anything happens

Evening to all,

How to write a good cancellation letter? Want to cancel one of the life insurance, 2 months only arrive the policy, dissapointed.

Thank You.

I don't know if that's a good reason to cancel but perhaps you can consult your agent on this matter or walk in to the branch.

For your info, you have 2 weeks to go through the policy and make sure everything is in order. The 2 weeks starts from the day you sign a Policy Acknowledgement Slip.

Best,
Jiansheng

Evening to all,

How to write a good cancellation letter? Want to cancel one of the life insurance, 2 months only arrive the policy, dissapointed.

Thank You.

What makes me    is that AXA/Affin Insurance have the audacity to charge one of my card for 2 months when I haven't even received the policy. Will call them tomorrow.

Never again will I register via phone, oh well lesson learnt.

Don't get me wrong tho, Affin bank is quite a good bank, have a few FDs there, good rate if you manage to nego.

You may request for a free-look policy refund of premium since you only received the policy recently as the free look period will only start upon receiving the physical policy and signing the acknowledgement of the receipt in receiving your policy on hand.

Something like this?  :confused:

I have life insurance (ILP) + CI rider under etiqa for over 3 years already and the only annual statement I received was total premium I had paid for the whole year. There is no details on how much premium is for life, how much premium is for CI rider(to claim tax under medical 3k) or dividend(if any).
Is this the normal practice?
I don't even know if it was a good investment.

Evening to all,

How to write a good cancellation letter? Want to cancel one of the life insurance, 2 months only arrive the policy, dissapointed.

Thank You.