Hi , How could I assist you?

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.

This post has been edited by marilyntan: May 2 2017, 01:54 PM

Yes, agreed with you that it would be best to read up the terms and conditions when u purchase insurance.

Currently be it standalone or with deductible, i believe most insurers do provide medical card.

I do agreed with what Roy have to say. Maybe u can opt for a medical card that provides a deductible during your working period (eg till age 60) and after 60, you will have no RM 0 deductible in order for you to claim full benefits from your medical card when u retire. U can save up hefty of insurance charges from there.


Normally all the insurance company will show the portion clearly on each policy u bought. Maybe u can check with the respective company or get your agent to check for you.

This post has been edited by marilyntan: May 3 2017, 05:31 PM

Hi there

to answer to your question,
1. HLA does cover Junior CI care on Severe Autism . The coverage covers the severe form of Autism Spectrum Disorder. Kindly refer to the product page for your info
https://www.hla.com.my/CMS/Product-Services...uct=738&Sub=950

2. Depending on your budgets as Traditional product may be cheap at the young age but the premium will increase at every 5 years capped. The older you gets the more expensive the premium would be.
However, if you have budget and wish to lock a level premium, i would highly recommend you to go with investment Link product (ILP).

3. I believe our brother Life Balance has replied you.

Thanks.

Hi,

HLA medical does not have co insurance for medical. And its guaranteed renewal in ILP as this offers only ILP.
For more info-https://www.hla.com.my/CMS/Product-Services/Insurance-Solutions/Insurance-Solutions-Details.aspx?Product=72&Sub=1144

HLA offers Million ++ Annual Limit (min RM 1.12mil) and Unlimited Lifetime Limit.


Hope this helps.

Thanks

For standard Critical Illnesses (CI) offered by any insurance company, upon claim of any of the illnesses, the coverage will be ceased. However, in the market today, CI does offers compensation based on stages of claims/ severity. Kindly refer to the link for more info. https://www.hla.com.my/CMS/Product-Services...uct=738&Sub=948

Hope the information above helps ya.

Yes, HLA Medishield & Million Extra Medical Card covers all the above as well.

HLA have this as well. We covers for pregnancy benefits and here's the info for your further info.
Kindly refer to the link for more info ya.https://www.hla.com.my/CMS/Product-Services/Insurance-Solutions/Insurance-Solutions-Details.aspx?Product=738&Sub=951
This is a add on rider from LadyShield and once baby is born, medical card could be added along.

Hope this helps.