A question on Room & Board entitlement pls. If my insurance covers for RM100, if i stayed in a higher-priced room, do I get the RM100 (meaning, i just pay the difference) or can only take RM100 room oni?

There are stipulations regarding to this. For some older policies, if you go above your room limit, your will have to pay 20% co-insurance (and without limit on this co-insurance) on your total medical bill

Other companies have no issues with you going over the limit, you would just have to pay the difference between your RM100 and the actual cost of the room each night.

Best you contact your agent to have a review. RM100 is barely sufficient to cover even for a quad-sharing room in private hospitals.

Thx for the reply. Alright, say I have two insurance plans (1 company, or personal), and both mentioned R&B to be at 100. Say the room I took is 150, possible to charge the difference (in this case 50) to of of the insurance?

I can only speak for Prudential and PruBSN Takaful for a more accurate answer, please check your policy and have your agent explain the terms and conditions

In general, yes, you can claim the balance from your personal medical card company. But you would have to pay on your own first (to be discharged), then take the original copies of the receipt, discharge summary and/or medical report to the branch to claim the differences up to your limit.

The same goes if you exhausted the annual limit of your company medical card, Prudential/PruBSN will pay the balance upon proper documents.

most medical insurance now, when you opt for a higher R&B than your medical R&B entitlement, you top up the difference.

the extra you pay upon discharged, after that only file the claims with another insurance's company medical plan.

Any comment on this Manulife Prime? Any manulife insurance agent here can explain?

Feature:
https://www.manulife.com.my/Products-and-Se...-ManuLink-Prime

Brochure:
https://www.manulife.com.my/servlet/servlet...6F00002DuTDQUA3

It looks competitive as it covers the whole family, i.e. parents and the children.

a) With Full allocation on Insurance Premium paid from Policy Year 1 onwards, what does the agent earns and why bother to sell this plan?

b) For any covered critical illness event, the Insurance Premium will be waived up to 10th policy year. If only get CI after 10th year, what is the point of this 10 years waiver only?

Buy a new one from prudential, should be better price and coverage. Give up your AIA and get the surrender value

Curious,.... can medical cards be used in Government Hospitals? (When I search for their panel list, it doesn't have the Government Hospitals listed...)

Medical card is mainly designed for private hospital. But of course can use in GH, with pay and claim. And the waiting report done in GH may take around 1~2 months time.

Pay first then file back claim

hope my friend here zhengdek can help you and give you insight!

reimbursement basis.

Gov hospital are normally not panel as majority who goes there are those without medical card. But insurance company do pay out allowance if you were to admit to GH.

Any specific reason you want to be admitted to a GH except for referral by doctors ?

that's additional benefit offer by company. we can get premium waiver for whole life at our cost.

This post has been edited by zhengdek: Dec 15 2018, 12:57 PM

Hi, is early CI important?
The reason I'm asking is because Prudential new ILP plan Pruwith you can't add that rider .

N thinking about this factor ....

if you need a sum of cash in that scenario, then it is important to you. for comprehensive CI coverage, i will recommend you to get a dedicated plan that serves that purpose (if budget allows)

Thanks zhengdek, have further questions but will PM u instead.

It’s always a plus point to get additional rider, question is do you need it with the limited budget ?

Hi guys, how to acquire past medical records that have been disposed by the hospital?

SJMC already disposed my records because I did not visit their hospital anymore for 7 consecutive years

now I need those records on my surgery to process for an application on life insurance

can try to request doctor to reproduce a written report. if really cannot, write a letter to the life insurance company stated that hospital no longer has the report anymore.

Hi guys,have a question here .
3 years ago I had bought a small insurance premium from Etiqa under a friend as an agent but recently found out he has jump ship to another insurance company.
So what should I do next if I’m unabke to contact him and if I want to terminate this coverage, would it be worth it to do so?