In the situation of follow up on physiotherapy or GL declined. If you know the process and experience in doing claiming then should be no problem. How about those who are not an agent?. Question to ponder. You may have some up lots of commission tat earned by agent but the process of claiming need to be self service later.

30% rebate on 1st year only or yearly ?

May I know wat package are u referring to ? Stand-Alone ?

Those agent's commission is same yearly or decreasing % till it reaches 0% after a few years?

why necro 4 years thread?

Reasonable and Customary Charges generally means what is the standard treatment for the same condition.
If you're admitted for appendicectomy and the doctor ordered brain MRI without any indication then this will likely be flagged out and queried by the insurance claims assessor.

After I have key in the details and a few companies quote have been given. I'm sure the showed premium is after discounted premium. Then I checked on my own product, eventually is cheaper than what's offer in this fundsuper mart.

Maybe cheap for younger age but not older age. Also to take note, their limit max at RM250K annually.

on that,...
looking at this statement,...

3. How do I receive the commission rebate?
We will rebate 30% off the total commission with respect to your insurance policy to you.

The commission rebate will be accrued and paid out to you after each anniversary year of your insurance policy. Only insurance policies where premiums are paid for in cash mode (cheque or GIRO inclusive) will be eligible for commission rebate.

In addition to the unlikely event that you terminate your policy prematurely before the policy anniversary year, FSM INSURANCE may not rebate the commission to you in view of any commission clawbacks imposed upon us by the insurers, if any.
https://www.fsmone.com.my/support/frequentl...tUniqueKey=2529

thus i think the insurance quotation quoted is BEFORE the discounted premium

FSM don't have AIA selection?

I think they don’t include post-hospitalisation drugs / medical prescription?

U guys can also look into rhb medisure supreme plan

hi,

in case you are unaware of lonpac insurance company background, its a whole subsidiary company of lpi capital and the chairman of the company is non other than tan sri dato’ sri dr. teh hong piow, also the owner and founder of public bank berhad

Yes, like me invest in public mutual got FREE insurance. The FREE insurance under Lonpac or Takaful. all are under tan sri dato’ sri dr. teh hong piow, public bank founder

What is the main difference between this LONPAC vs other AIA or MSIG insurance medical card?

Lonpac are like an underdog, they are not as famous as the common ones out there. But their medical policy is by far very affordable. I did a top-up medical recently (to my existing Prudential) and I get a very high coverage for affordable premium. Well, not sure about the claiming process.. but I guess will never know until it happens. I'm sure as they grow, service will get better. Perhaps eventually when one day become Top-10, then u have no worries about it! If you on budget, can consider this company.

u just bought thru their website or thru agent?

I don't think can buy from website. Have to buy via agent.

Can direct buy from Lonpac office and have rebate.

Im interested MediSecure Centurial.

Hi folks, May I know what is the difference between MediSecure vs MediSecure Centurial vs MediSecure Plus 2015 ?

More or less the same. Just different in terms of annual limit, deductible. TBH I will skipped them cause very low limit. Better to go with medisavers also lonpac.

You can check their brochure for more info.

This post has been edited by Ramjade: May 19 2023, 11:18 PM