Hi, good day. I am interested in buying the medical card from lonpac insurance company. Mind to know anyone here selling or know someone selling lonpac insurance? is there any reviews from this company? thanks!

From my time in this section of the forum I've yet to see a LonPac agent that is promoting their medical card 😂

I'd think you can just walk in to any of their branches and they will sort you out.

Best,
Jiansheng

Why choose an insurance company that nobody hears of when there's so many reputable companies like prudential....well minus the sales oriented agents

Uh never heard before XD

Troll?

MXM aka pathlab sell lonpac insurance

okok, thanks for ur reply. yup wil try call them.

haha, budget problem. n yea, dun like the too sales orienated company, whereby when come to claim part very diff

This post has been edited by ohchin: Feb 28 2017, 08:46 AM

Hi Soulmad. mind to know did u heard anyone using tat before? or did u bought tat? Anyway, really thanks lots for ur reply! Appreciated ur help so much!

This post has been edited by ohchin: Feb 28 2017, 08:58 AM

if you got budget problem go for this

https://www.fundsupermart.com.my/insurance/

you still purchase insurance under major insurance companies but minus the agent fees. I'm getting 30% commision from agent fees back to me in a year. I think this is the future where you can buy insurance online without the need to go through agents and best of all you go to pick what you want, what you need not what agents think you should get

oh, thanks for ur help~! anyway u using prudential medical card? or mind know which brand ya? so that website is reliable rite since u got 30% bc? sorry cz never heard of this website before. i am dummy in this

there's a thread over in finance about it. it's a unit trust provider that spans from Hong Kong, Singapore, India and Malaysia. ta subsidiary under iFast Corp based in Singapore. very legit.

I used to have Prudential medical. twas paying 250 for medical and I informed my agent I want to increase my coverage she go sign me up for a investment linked plan that shot up my premium to 350 a month. that pissed me off because I was still under covered.

so I got upset. surrendered my policy and straight away got a medical plan for 250 myr a month and am now covered up to 1.5 million for medical fees under MCIS. go over to the about tab on the left side and you will see why this is better

oh wow sounds like not bad if can get back 30%!! really lots!! yea really dun like agent who like to simply upgrade the plan =.= ok, i will check it out then~ thanks ya for ur recommendation!

Yeap getting 6k from agent fees. now you know how much they get from our insurance and they do jack shit accept calling us to upgrade premiums.

Don't worry. I'm one of the LONPAC medical card buyer.
What they offer is far more worthy than other competitor.

If you need a contact, i can advise you an agent .

Please pm me

Personally being a lonpac agent, lonpac's medisecure is actually sufficient is you are low on budget as the premium is much lower than other competitors. If you need any questions do PM me.

Hi Bryan, yes, indeed lower than others, but jz wonder on the claim part. ok, i will pm u.

how to calculate the agent fees???
you get straightaway???

The agent commission for life agents are very different compared to general insurance agents. So don't be deceived. I believe funds super mart takes out the agent and handles everything in an online environment.

You could give it a try.

when go hospital，just call lonpac telephone?????no agent means no after sales swrvice?

Actually most of the insurance company engages third party administrators like Asia Assistance to handle their clients hospital admissions. As long as you are covered they can trace in through their System. Just show them your medical card, they will assist you on the process.

you are lonpac car insurance agent?
or general insurance?


i want to buy lonpac medical

https://www.fundsupermart.com.my/insurance/

hi,bro,only 5 company in fundsupermart


no lonpac leh

I want to buy lonpac.may you give me details?

what company and medical plan you buy???/

only lonpac have unlimited icu room

before buying remember to check how vast is lonpac coverage. how many panel hospitals near you. can it cover you internationally and so on and so forth. sure you get unlimited icu but only covers Putrajaya hospital while you stay in Klang sure gg. make sure it's accepted everywhere before buying.

I got MCIS because the medical coverage is better than Prudential

Lonpac is a general insurance company, we deal with all types of general insurance. their Medisecure Centurial and Plus is under hospitalization and surgical insurance . I have to say if you are comparing the annual limits of each insurance company, Lonpac has one of the lowest because they have not updated their plan since 2015. If you are referring to Unlimited ICU room days, it is depended on the annual limit you have so lets just say you have a RM 500,000 Annual Limit, once all your medical expenses have used up this limit then the policy is no longer in forced.

Other plans seperate the medical cost and room and board, so do take note on that.

The only thing that Lonpac is good for is their increasing annual limit every 5 years, if you plan to stick with a plan for a long time.

I also plan to extend my coverage with standalone medical as it provide higher coverage.

I am looking into MCIS as it does provide very high coverage compare to LonPac.

I see some of the item with As Charged, subject to Reasonable & Customary Charges in one of their quote.

How and in what circumstances the item will be place under “Subject to Reasonable & Customary Charges”

This is very subjective. Anyone could please spell out the condition in full detail?

This seem to be like provide the coverage yet holding back???

I did not buy Lonpac Insurance but if you are talking about after sales service, i think i share my experience:-

My mum previously was admitted to the hospital. I show the medical card to the hospital then they do the claiming for my mum. During that time, no agent is involved.

Its direct between me and the hospital. So I think not so much of a concern when there is a need to claim.

This post has been edited by smartinvestor01: Oct 28 2017, 06:08 PM

where is your agent????

but can claim fast right??
Lonpac is public bank group company,customer service should good

What coverage +???

When moments are critical, I just show the medical card.. That time, my mum is using Prudential by the way..

Then, full stop.. The agent only contacted us to see if we need help..

We managed to settle everything on our own..

This post has been edited by smartinvestor01: Oct 31 2017, 06:19 PM

So claim ok???call customer service?

The hospital somehow directly called the insurance company for further verification after i show the medical card..

The next day, the Letter of Guarantee was issued to the insurance company, and my mum got discharge.

Settled everything..

Hi All,

I'm currently also in the midst of choosing a medical plan, lonpac is one of my shortlisted plan.
As most of other has highlighted the point about the claim procedure, which think should be quite direct if we are admitted to hospital, if the medical card is recognized by the hospital it should be no problem to settle thefor medical bill.
However, how about those follow up (before & after hospitalization) medical & doctor consultation claim? Especially if we don't purchase the policy through the insurance agent, how should the claim make? Is it complicated to do the claim? Anyone with experience can advice?

I'm personally is an insurance agent. When come to claim, i would say quite complicated. Agent has said complicated how about customer? I been dealing a claim and i run to hospital few times and make sure all the receipts and forms and lab report are completed. If buying directly from insurance company then just prepared to do the claim by ur own and run up & down when still sick.

Nicely done agent

mind telling us why for cashless medical plan the claim still complicated?

same experience here
no need agent for my case

it's not really that complicated if you know the process. Just need experience

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