hi, maybe you can choose to upgrade your GE medical card to lifetime unlimited so you no need to hold two cards and less worries on insufficient medical limit. You may check with your agent on it

Yup, that's I suggested to upgrade Great Eastern Medical Card with min annual limit RM990,000 with lifetime Unlimited, as he holds existing GE medical card now. As someone said, no point to holding two cards if a person is currently healthy. Unless have some conditions to hold two. Select the right one and upgrade it.

May I know what plan you bought in 2009? Is it a traditional critical illness plan where protection will keep increasing?

I also agreed that to combined together to one card rather than separate to two cards, unless you have previous medical history, where there will be exclusion if upgrade or buy new card, or else better use one card with high coverage. How is your BMI now?

Yes, there is definitely have a better and higher coverage on annual limit and lifetime limit. However, the premium will be higher compares to the card currently you hold. As people said, insurance always is you get what you pay for.. most important is depends on what you concern on and what is your budget.

Yes, our great Eastern do have standalone medical card where the annual limit is RM990,000 with lifetime no limit, coverage until age 99. If you look for lower coverage but higher than your current one, we do have too. Also lifetime no limit. May I know your age, gender and occupation?

This post has been edited by ChloeKhar: Oct 14 2017, 04:24 PM

Yes, personal accident is mainly covered for injury or permanent loss of body parts caused by accidents. If hospitalization due to illness, it will be not covered.

Just for information, diabetes persons will not accepted to buy personal accidents as I have checked with few companies.. although personal accident is covered on event due to accident cause.

Yup, you may not buy now provided
I. you stay in the same company until old age..
II. or if you leave the company, make sure get the new company provide staff medical benefit as well, with your healthy condition.
III. Your staff medical insurance is enuf coverage in case there is a claim, or else, you need to standby money for support the balance shortfall..
IV. Company policy has no change, that to cancel the medical benefits.

Now my friend unfortunately has diabetes at age 38, no medical card, rely on company medical insurance, she can't leave the company, otherwise she will have no medical coverage at all in future therefore if have budget, better consider at least a standalone medical card for ur own.

Both have different point of view. Both benefits are same.

For standalone, you can enjoy the lower initial premium, however along the years, age increasing, the yearly premium will cost few thousand or even ten plus thousands to enjoy the single card benefit. Make sure when old age, you have enough money to pay it, especially illness cause the loss of earning power.

For investment link medical card, you are paying higher premium initially. Along the years, insurance change for medical card will also increased. You may remain the premium amount as they utilize the cash value to cover extra increments of charges. Of course, the premium may need top up if the cash value not enough to cover anymore. The rider attached Waiver Premium is what I most preferred for investment link med card. I can enjoy medical card benefit even that time I have loss my capability to work, no worry of premium.

Last, still depends on the person's financial condition and preference

but usually cancer treatment and kidney dialysis treatment can be done outpatient

You need to fill up a form and you can get from your agent.

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.